Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues west elm credit card accounts, and we respond to 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 applied for a west elm credit card account in May of 2015 and you have not received a west elm credit card and you have never made any purchases on the west elm account. We also understand that you have disputed the charges and a new west elm account was established and the purchases were transferred to the new account. You are requesting the Bank remove the information from your credit report, and stop contacting you. I apologize for any inconvenience this matter may have caused you. Our records indicate that we received a similar complaint that was filed with the CFPB (Consumer Financial Protection Bureau) on August 9, 2015. We have enclosed our response for your records. On October 30, 2015, your west elm account ending in [redacted] was closed, and your west elm account ending in [redacted] was established and a credit card was sent to the address listed above. The bank has no record of receiving the credit card back as undeliverable. Your account ending in [redacted] has a balance of $3,980.47. As advised in our previous correspondence the Bank considers the balance on this account to be valid. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted] Tell us why here...
Dear Ms. [redacted]Thank you for the recent complaint, addressed to the Revdex.com, regarding theabove-noted matter. Comenity Bank issues various credit card accounts and we are here toanswer all account-related questions. Your correspondence was forwarded to my attention forreview and I...
appreciate this opportunity to assist you with your concerns.We understand your concerns as explained in the complaint and we appreciate the opportunityto address those concerns.Please understand that current privacy laws prohibit us from providing application information toanyone other than the applicant. So that we may further assist in this matter, we have sent aletter directly to [redacted]h.I apologize for the frustration or inconvenience that you have experienced regarding this matter.Should [redacted]h have any fulfher questions, please have her contact me directly at###-###-####, ext. [redacted] (TDD/TTY ###-###-####)- I will be happy to assist.[redacted] [redacted]
February 23, 2017[redacted]
[redacted]
[redacted]RE: The [redacted] Credit Card Account Ending In [redacted] Revdex.com Complaint ID #[redacted] Dear [redacted]:Comenity Bank has received your correspondence...
regarding the above-referenced account. Comenity Bank issues the The [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, address to the Revdex.com, that you called Comenity Bank regarding a payment and late fee. You state that while speaking to the representative you were advised that your payment was received after the due date and the account was assessed a late fee. At that time the representative advised the late fee would be credited to your account as a courtesy. Additionally, you state that the representative never mentioned that you had a payment due, and stated that you were fine. You noticed that you have been assessed a second late fee. You are requesting credit be issued for the second late fee.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.After a thorough review of the account, our records indicate that a statement was issued to you December 18, 2016, with a balance of $46.84 and a minimum payment of $27.00 due on January 13, 2017. As no payment was received by the due date a late fee of $27.00 was assessed to the account per the Credit Card Agreement. On January 18, 2017, a statement was issued to you with a balance of $76.42 with a minimum payment of $27.00 on February 13, 2017. As no payment was received by the due date another late fee of $27.00 was assessed to the account.On February 15, 2017, a statement was issued to you with a balance of $77.93 with a minimum payment of $32.00 due on March 13, 2017. Enclosed are the statements mentioned above for you review.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.Please be advised that on February 13, 2017, credit was issued for a late fee of $27.00, the Bank is unwilling to credit another late fee at this time. The Bank finds this fee to be valid. On February 21, 2017, a payment of $77.93 was applied to the account. As of the date of this letter, the account balance is zero.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, [redacted]
[redacted] [redacted] [redacted]
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues TigerDirect 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 after opening the above-referenced account, you purchased insurance on the account, and that if something happens that you could not make your payments then the insurance could provide coverage. You also indicate in March 2015 you lost your income. At that time you placed a call requesting to use the insurance coverage, and you state you were told that there was nothing that could be done regarding this matter. You are requesting that the insurance coverage is honored. I am happy to share my findings with you. I attempted to find the call in question regarding the conversation regarding the insurance, unfortunately there were no calls in our system regarding this conversation. After a thorough review of the account, our records indicate that the above-referenced account was enrolled in Account Assure on September 21, 2014, and was cancelled on June 22, 2015. We reached out to [redacted], the program administrator of Account Assure regarding this matter and we were assured that you were covered for this period of time. Additionally, we were assured that they have not received any calls regarding this matter. Please contact [redacted] at ###-###-#### directly to determine if you are eligible for a benefit. 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 your account, please contact [redacted] at the telephone number provided. They will be happy to assist you. Sincerely, Renee S[redacted]
1. It took the bank 3 months to send me the paper bill. 2. As soon as I made the Revdex.com complaint, not only I received my bill but also the coupons which was not done previously.3. Yes the statement is available online but if the customer is not happy and is requesting a paperbill over and over again, it is bank's dunty to comply with the request, which apparently was not taken care of4. As I mentioned earlier, bank is very smart on blaming stuff on the postsl service. This shows that the customer i.e me is a liar and I refuse to take that tag.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]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues EXPRESS, J.Crew, NEW YORK & COMPANY and VICTORIA’S SECRET credit card accounts, and we are here to help with your...
account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you opened an EXPRESS, NEW YORK & COMPANY and VICTORIA’S SECRET account with Comenity Bank. You state that after making purchases, you were sent a letter regarding suspicious activity and all three accounts, as well as the J.Crew account, were closed. You state that you offered the information that was requested, but were unable to send in the documentation due to a family emergency. You state you were advised that nothing could be done. At this time you request that the accounts are reinstated, or that the accounts are removed from your credit report. I am happy to share my findings. Bank records indicate that the above-referenced accounts were opened in March 2016. On June 14, 2016, letters were sent advising that there was potential security concerns and or/irregular credit card transactions and the accounts were suspended for purchases, until an investigation was completed. At this time you were advised to send in identification documents. Due to not receiving the requested information within 45 days, the accounts were permanently closed. Please be advised the accounts cannot be reopened. Due to no Bank errors, we are unwilling to remove the accounts from your credit bureau report. We hope this information is helpful. Should you have any further questions or concerns, please contact our Account Protection (Fraud) department at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you. Sincerely, Kaija M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been unable to make a payment since November 3, 2017, due...
to loss of employment. You indicate your intention of paying off the debt, and request the Bank consider adjusting some of the late fees and finance charges that have been assessed. You also indicate you did not receive rewards available to Torrid cardholders, such as a discount on the first purchase.Thank you for contacting us to assist you with this account. Unfortunately, the account is ineligible for late fee and/or finance charge credits at this time. However, we want to share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at (800) 388-2227.Regarding your concern about the benefits applied on previous purchases, please note Comenity Bank and Torrid are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Torrid is responsible for handling matters related to sales, merchandise processing, returns and shipping. For information and questions regarding the Torrid INSIDER Rewards program, refer to www.torrid.com/insider or call (877) 998-6774.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
The letter written by "Ashley H[redacted]" of Pottery Barn stated that my 12 month promotional plan expires on 6/4/2016, the same day I made the transaction a year prior. Since I did not get my first bill until July with a due date of July 28, 2015, my 12-month promo plan should not be expire until July 28, 2016. Basically what she is saying that my first payment was due before I received the delivery with the invoice; therefore, making it a 11-month promo plan not a 12-month. I spoke with her via telephone and she stated that "is how their 12-month promotional plan works." I asked for her to send me a copy of my agreement and in the 27 page agreement she sent via pdf e-mail states:<How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.> This is on the first page. One page 8 of 27 under C. Learning under the third bullet states: <If a promotional credit plan is offered at the time your open your Account, this Agreement will include information about the terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.> In the duration I've been with this account I never received an "attachment of insert". In the response letter by "Ashley Hughes" she states that my plan was initially transferred on 7/3/15 making the due date 7/28/15 (according to the language in the agreement) before it was inexplicably changed on 8/3/15. Since I have no documentation that states the terms of the 12 month deferment program, I can only go by what the customer service representatives say on the phone. Because of my experience with the customer service reps have been less than transparent, I am not confident what they say will be delivered. Also, as mentioned before, I have never received an August statement. I would appreciate your assistance in helping me in this matter.
Regards,[redacted]
Dear Ms. [redacted]Comenity Bank has received your recent complaint regarding the account noted above.Comenity Bank previously issued Fashion Bug credit cards and we are here to help with youraccount-related questions and concerns. Your complaint, addressed to the Better BusinessBureau, was forwarded...
to my attention and I appreciate the opportunity to assist you.I understand from your complaint, that you began experiencing financial difficulties in 2009 dueto loss of employment, and were unable to make monthly payments on the Fashion Bug creditcard account. Instead of filing Bankruptcy, you selected to secure a settlement payment of$500.00, and Comenity Bank accepted your settlement proposal in March 2010.You state that after the account was settled in 2010, Comenity Bank continued to report theclosure of the Fashion Bug credit card account three (3) times to Equifax. Also, per yourcomplaint, the Bank has reported 43 delinquencies starting from 2012. You contacted Equifaxdirectly in May of 2015, and they agreed to remove the delinquencies from your credit bureaureport; however, on June 26, 201 5 Comenity Bank, again, reported your account as delinquentwhich has had a negative impact on your credit.You are requesting Comenity Bank update and report accurately, the following information tothe credit reporting agencies:Account open dateAccount settlement dateAccount closed dateFinal payment received and amountActual payments missed, and dates reflecting July, 2009 through December, 2009Please note, the account was written- off on December 23, 2009. The last payment of $451.20was posted to the above mentioned account of March 4, 2010, and the account was "ClosedSettlement" on April 15, 2010.I understand your concerns regarding the reporting of the Fashion Bug account on your creditbureau file, and I apologize for any frustration or inconvenience you have experienced as aresult of this matter.Please be assured that Comenity Bank has issued notification to the national credit-reportingagencies with instructions to update the payment history for the Fashion Bug credit cardaccount. Please allow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
the 15 % discount which was originally offered as a shipping discounted, when I called to inquire about my purchase it could not be located , the only purchase they could find was my original one , I can't believe your company is so negligent and has so little regard for your consumers, case in point I had someone else do the email and they received the 15% link immediately, instead of saying a mistake was made , you continue to grandstand, so now I have had curtains for over two months sitting in my hall as I recently found out the rods were not coming, so no I never received the 15% discount and at this point I no longer wish to do any further business with your company , I wish to send back your. Unopened curtains at your expense , send back the 50 reward dollars. From my purchase and close this chapter in my life, in return I will not post. Anything negative about your business practices
Dear E[redacted] We received your complaint, submitted to theRevdex.com, regarding the above-referenced account. Comenity Bank issues Express credit cardaccounts, and we are here to help with your account-related questions. I appreciate this opportunity to...
assistyou. We understand from your complaint that theExpress account is reporting 30 days late on your credit file. Additionally, the late payments are due toonline login issues. You are requestingthe Bank remove the late payments from your credit report. I am happy to share my findings with you. Bank records indicate a billing statement forthe Express account was issued via email on September 17, 2014, which reflecteda balance of $87.87 with a minimum payment of $25.00 due by October 13, 2014. A statement was issued via email on October18, 2014, which reflected a balance of $114.86 with a minimum payment of $30.00,due by November 13, 2014. Due tonon-receipt of payment, the account was reported as two billing statements pastdue to the credit-reporting agencies. Although, the Bank finds no error, in theinterest of customer service, instructions were sent to the nationalcredit-reporting agencies to delete the derogatory reporting for December 2014,for the above mentioned account. Pleaseallow the credit reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any further questions orconcerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I would be happy to assist you. Sincerely, Kaija M[redacted]
I am rejecting this response because: the response I received from the business misinterpreted my complaint and therefore it cannot be resolved satisfactorily. In my complaint I stated that I have a balance at comenity bank yet to be paid off for services I did not receive. That balance is active with them since I still receive monthly statements to my email and have been paying it off on time monthly. In their response they state the account had been turned over to a debt collector which if true I was never aware of and my credit has not yet been impacted negatively. I will be contacting Jenny W[redacted] the consumer relations specialist to try to explain my complaint more clearly and see what can be done. Thank you.
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]
I am rejecting this response because: there was no specific month and/or date stating when it'll be current on the last letter sent to me. I understand that it'll take 45 days from the first complaint which was on April 28, 2017 to show current on my credit report. However, I want to make sure that the letter states the month that it should show current which was January, 2017. Thank you!
Regards,
[redacted]
I do not agree with this at all. This $480.00 charge is a surprise. I was told I would be refunded 100% if not completely satisfied by Mr. Justin Stewart at Miracle Ear in Shreveport/Bossier City, La.I don't feel that I owe $480.00 considering the emotional distress and expenses of the trip to try to get them adjusted. Never worked. I am 100% dissatisfied with the product. That is why I returned them within the time alloted.Thank you for your time and consideration.[redacted]
(1) It addressed nothing I requested, not even a fax or email address;(2) It was disjunctive and obviously written by a non-native speaker of English, almost bot-like boilerplate. It makes me question whether I was even understood. Please escalate my complaint, addressing it to President's Office, Comenity Bank.
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 correspondence regarding the above-referencedaccount. Comenity Bank issues the Bergner’s credit card. We are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the amountof $100.00. You state that you have contacted the Bank multiple times in regards to the refundcheck that you never received. Furthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following information. OnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $101.56. On September 27, 2016, we mailed a check to your attention to the followingaddress; 2217 South Koke Mill Road, Springfield, IL 62711, which was the address on youraccount at the time. The check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement line. We have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – C
We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues BrylaneHome® credit card accounts, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your concerns.We understand...
from your complaint that you received a bill for $575.00 and paid via money order. Onceyou realized your credit limit was only $300.00, you contacted the bank so that we could look into it. Youlater received a check for $575.00 and, thinking it was your refund, cashed the check. You then receivedanother bill for $575.00 and contacted the Bank. We advised that the refund check was an error. Youdisputed this with the Bank and we requested that you provide us with proof of the payment, which you nolonger have. You believe you do not owe this money and would like it to be dismissed; however, ifnecessary, you are willing to pay the $575.00 without the interest. You are also requesting this informationbe removed from your credit bureau report.On your May 2, 2015, billing statement, we credited your account for $575.00, which created a creditbalance. As a result, a refund check for this amount was sent to you on June 4, 2015. We later discoveredthat the payment you were originally given credit for should have been applied to another account. Tocorrect this mistake, we debited your credit card account for $575.00, which is the amount of the refundcheck you received.If a payment of $575.00 is received within 90 days of the receipt of this letter, the Bank would be willing todelete this account, in its entirety, from your credit bureau report. Enclosed are the copies of your billingstatements for your records. You may mail your payments to the remittance address, or call me at thenumber below to pay by telephone, with a personal bank account or debit card.I hope this information is helpful. If you have any further questions regarding your accounts, please contactme at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda RayConsumer Relations SpecialistCC: Revdex.com
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues west elm credit card accounts, and we respond to 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 applied for a west elm credit card account in May of 2015 and you have not received a west elm credit card and you have never made any purchases on the west elm account. We also understand that you have disputed the charges and a new west elm account was established and the purchases were transferred to the new account. You are requesting the Bank remove the information from your credit report, and stop contacting you. I apologize for any inconvenience this matter may have caused you. Our records indicate that we received a similar complaint that was filed with the CFPB (Consumer Financial Protection Bureau) on August 9, 2015. We have enclosed our response for your records. On October 30, 2015, your west elm account ending in [redacted] was closed, and your west elm account ending in [redacted] was established and a credit card was sent to the address listed above. The bank has no record of receiving the credit card back as undeliverable. Your account ending in [redacted] has a balance of $3,980.47. As advised in our previous correspondence the Bank considers the balance on this account to be valid. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted] Tell us why here...
Dear Ms. [redacted]Thank you for the recent complaint, addressed to the Revdex.com, regarding theabove-noted matter. Comenity Bank issues various credit card accounts and we are here toanswer all account-related questions. Your correspondence was forwarded to my attention forreview and I...
appreciate this opportunity to assist you with your concerns.We understand your concerns as explained in the complaint and we appreciate the opportunityto address those concerns.Please understand that current privacy laws prohibit us from providing application information toanyone other than the applicant. So that we may further assist in this matter, we have sent aletter directly to [redacted]h.I apologize for the frustration or inconvenience that you have experienced regarding this matter.Should [redacted]h have any fulfher questions, please have her contact me directly at###-###-####, ext. [redacted] (TDD/TTY ###-###-####)- I will be happy to assist.[redacted] [redacted]
February 23, 2017[redacted]
[redacted]
[redacted]RE: The [redacted] Credit Card Account Ending In [redacted] Revdex.com Complaint ID #[redacted] Dear [redacted]:Comenity Bank has received your correspondence...
regarding the above-referenced account. Comenity Bank issues the The [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, address to the Revdex.com, that you called Comenity Bank regarding a payment and late fee. You state that while speaking to the representative you were advised that your payment was received after the due date and the account was assessed a late fee. At that time the representative advised the late fee would be credited to your account as a courtesy. Additionally, you state that the representative never mentioned that you had a payment due, and stated that you were fine. You noticed that you have been assessed a second late fee. You are requesting credit be issued for the second late fee.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.After a thorough review of the account, our records indicate that a statement was issued to you December 18, 2016, with a balance of $46.84 and a minimum payment of $27.00 due on January 13, 2017. As no payment was received by the due date a late fee of $27.00 was assessed to the account per the Credit Card Agreement. On January 18, 2017, a statement was issued to you with a balance of $76.42 with a minimum payment of $27.00 on February 13, 2017. As no payment was received by the due date another late fee of $27.00 was assessed to the account.On February 15, 2017, a statement was issued to you with a balance of $77.93 with a minimum payment of $32.00 due on March 13, 2017. Enclosed are the statements mentioned above for you review.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.Please be advised that on February 13, 2017, credit was issued for a late fee of $27.00, the Bank is unwilling to credit another late fee at this time. The Bank finds this fee to be valid. On February 21, 2017, a payment of $77.93 was applied to the account. As of the date of this letter, the account balance is zero.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, [redacted]
[redacted] [redacted] [redacted]
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues TigerDirect 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 after opening the above-referenced account, you purchased insurance on the account, and that if something happens that you could not make your payments then the insurance could provide coverage. You also indicate in March 2015 you lost your income. At that time you placed a call requesting to use the insurance coverage, and you state you were told that there was nothing that could be done regarding this matter. You are requesting that the insurance coverage is honored. I am happy to share my findings with you. I attempted to find the call in question regarding the conversation regarding the insurance, unfortunately there were no calls in our system regarding this conversation. After a thorough review of the account, our records indicate that the above-referenced account was enrolled in Account Assure on September 21, 2014, and was cancelled on June 22, 2015. We reached out to [redacted], the program administrator of Account Assure regarding this matter and we were assured that you were covered for this period of time. Additionally, we were assured that they have not received any calls regarding this matter. Please contact [redacted] at ###-###-#### directly to determine if you are eligible for a benefit. 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 your account, please contact [redacted] at the telephone number provided. They will be happy to assist you. Sincerely, Renee S[redacted]
1. It took the bank 3 months to send me the paper bill. 2. As soon as I made the Revdex.com complaint, not only I received my bill but also the coupons which was not done previously.3. Yes the statement is available online but if the customer is not happy and is requesting a paperbill over and over again, it is bank's dunty to comply with the request, which apparently was not taken care of4. As I mentioned earlier, bank is very smart on blaming stuff on the postsl service. This shows that the customer i.e me is a liar and I refuse to take that tag.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]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues EXPRESS, J.Crew, NEW YORK & COMPANY and VICTORIA’S SECRET credit card accounts, and we are here to help with your...
account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you opened an EXPRESS, NEW YORK & COMPANY and VICTORIA’S SECRET account with Comenity Bank. You state that after making purchases, you were sent a letter regarding suspicious activity and all three accounts, as well as the J.Crew account, were closed. You state that you offered the information that was requested, but were unable to send in the documentation due to a family emergency. You state you were advised that nothing could be done. At this time you request that the accounts are reinstated, or that the accounts are removed from your credit report. I am happy to share my findings. Bank records indicate that the above-referenced accounts were opened in March 2016. On June 14, 2016, letters were sent advising that there was potential security concerns and or/irregular credit card transactions and the accounts were suspended for purchases, until an investigation was completed. At this time you were advised to send in identification documents. Due to not receiving the requested information within 45 days, the accounts were permanently closed. Please be advised the accounts cannot be reopened. Due to no Bank errors, we are unwilling to remove the accounts from your credit bureau report. We hope this information is helpful. Should you have any further questions or concerns, please contact our Account Protection (Fraud) department at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you. Sincerely, Kaija M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been unable to make a payment since November 3, 2017, due...
to loss of employment. You indicate your intention of paying off the debt, and request the Bank consider adjusting some of the late fees and finance charges that have been assessed. You also indicate you did not receive rewards available to Torrid cardholders, such as a discount on the first purchase.Thank you for contacting us to assist you with this account. Unfortunately, the account is ineligible for late fee and/or finance charge credits at this time. However, we want to share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at (800) 388-2227.Regarding your concern about the benefits applied on previous purchases, please note Comenity Bank and Torrid are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Torrid is responsible for handling matters related to sales, merchandise processing, returns and shipping. For information and questions regarding the Torrid INSIDER Rewards program, refer to www.torrid.com/insider or call (877) 998-6774.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
The letter written by "Ashley H[redacted]" of Pottery Barn stated that my 12 month promotional plan expires on 6/4/2016, the same day I made the transaction a year prior. Since I did not get my first bill until July with a due date of July 28, 2015, my 12-month promo plan should not be expire until July 28, 2016. Basically what she is saying that my first payment was due before I received the delivery with the invoice; therefore, making it a 11-month promo plan not a 12-month. I spoke with her via telephone and she stated that "is how their 12-month promotional plan works." I asked for her to send me a copy of my agreement and in the 27 page agreement she sent via pdf e-mail states:<How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.> This is on the first page. One page 8 of 27 under C. Learning under the third bullet states: <If a promotional credit plan is offered at the time your open your Account, this Agreement will include information about the terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.> In the duration I've been with this account I never received an "attachment of insert". In the response letter by "Ashley Hughes" she states that my plan was initially transferred on 7/3/15 making the due date 7/28/15 (according to the language in the agreement) before it was inexplicably changed on 8/3/15. Since I have no documentation that states the terms of the 12 month deferment program, I can only go by what the customer service representatives say on the phone. Because of my experience with the customer service reps have been less than transparent, I am not confident what they say will be delivered. Also, as mentioned before, I have never received an August statement. I would appreciate your assistance in helping me in this matter.
Regards,[redacted]
Dear Ms. [redacted]Comenity Bank has received your recent complaint regarding the account noted above.Comenity Bank previously issued Fashion Bug credit cards and we are here to help with youraccount-related questions and concerns. Your complaint, addressed to the Better BusinessBureau, was forwarded...
to my attention and I appreciate the opportunity to assist you.I understand from your complaint, that you began experiencing financial difficulties in 2009 dueto loss of employment, and were unable to make monthly payments on the Fashion Bug creditcard account. Instead of filing Bankruptcy, you selected to secure a settlement payment of$500.00, and Comenity Bank accepted your settlement proposal in March 2010.You state that after the account was settled in 2010, Comenity Bank continued to report theclosure of the Fashion Bug credit card account three (3) times to Equifax. Also, per yourcomplaint, the Bank has reported 43 delinquencies starting from 2012. You contacted Equifaxdirectly in May of 2015, and they agreed to remove the delinquencies from your credit bureaureport; however, on June 26, 201 5 Comenity Bank, again, reported your account as delinquentwhich has had a negative impact on your credit.You are requesting Comenity Bank update and report accurately, the following information tothe credit reporting agencies:Account open dateAccount settlement dateAccount closed dateFinal payment received and amountActual payments missed, and dates reflecting July, 2009 through December, 2009Please note, the account was written- off on December 23, 2009. The last payment of $451.20was posted to the above mentioned account of March 4, 2010, and the account was "ClosedSettlement" on April 15, 2010.I understand your concerns regarding the reporting of the Fashion Bug account on your creditbureau file, and I apologize for any frustration or inconvenience you have experienced as aresult of this matter.Please be assured that Comenity Bank has issued notification to the national credit-reportingagencies with instructions to update the payment history for the Fashion Bug credit cardaccount. Please allow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
the 15 % discount which was originally offered as a shipping discounted, when I called to inquire about my purchase it could not be located , the only purchase they could find was my original one , I can't believe your company is so negligent and has so little regard for your consumers, case in point I had someone else do the email and they received the 15% link immediately, instead of saying a mistake was made , you continue to grandstand, so now I have had curtains for over two months sitting in my hall as I recently found out the rods were not coming, so no I never received the 15% discount and at this point I no longer wish to do any further business with your company , I wish to send back your. Unopened curtains at your expense , send back the 50 reward dollars. From my purchase and close this chapter in my life, in return I will not post. Anything negative about your business practices
Dear E[redacted] We received your complaint, submitted to theRevdex.com, regarding the above-referenced account. Comenity Bank issues Express credit cardaccounts, and we are here to help with your account-related questions. I appreciate this opportunity to...
assistyou. We understand from your complaint that theExpress account is reporting 30 days late on your credit file. Additionally, the late payments are due toonline login issues. You are requestingthe Bank remove the late payments from your credit report. I am happy to share my findings with you. Bank records indicate a billing statement forthe Express account was issued via email on September 17, 2014, which reflecteda balance of $87.87 with a minimum payment of $25.00 due by October 13, 2014. A statement was issued via email on October18, 2014, which reflected a balance of $114.86 with a minimum payment of $30.00,due by November 13, 2014. Due tonon-receipt of payment, the account was reported as two billing statements pastdue to the credit-reporting agencies. Although, the Bank finds no error, in theinterest of customer service, instructions were sent to the nationalcredit-reporting agencies to delete the derogatory reporting for December 2014,for the above mentioned account. Pleaseallow the credit reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any further questions orconcerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I would be happy to assist you. Sincerely, Kaija M[redacted]
I am rejecting this response because: the response I received from the business misinterpreted my complaint and therefore it cannot be resolved satisfactorily. In my complaint I stated that I have a balance at comenity bank yet to be paid off for services I did not receive. That balance is active with them since I still receive monthly statements to my email and have been paying it off on time monthly. In their response they state the account had been turned over to a debt collector which if true I was never aware of and my credit has not yet been impacted negatively. I will be contacting Jenny W[redacted] the consumer relations specialist to try to explain my complaint more clearly and see what can be done. Thank you.
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]
I am rejecting this response because: there was no specific month and/or date stating when it'll be current on the last letter sent to me. I understand that it'll take 45 days from the first complaint which was on April 28, 2017 to show current on my credit report. However, I want to make sure that the letter states the month that it should show current which was January, 2017. Thank you!
Regards,
[redacted]
I do not agree with this at all. This $480.00 charge is a surprise. I was told I would be refunded 100% if not completely satisfied by Mr. Justin Stewart at Miracle Ear in Shreveport/Bossier City, La.I don't feel that I owe $480.00 considering the emotional distress and expenses of the trip to try to get them adjusted. Never worked. I am 100% dissatisfied with the product. That is why I returned them within the time alloted.Thank you for your time and consideration.[redacted]
(1) It addressed nothing I requested, not even a fax or email address;(2) It was disjunctive and obviously written by a non-native speaker of English, almost bot-like boilerplate. It makes me question whether I was even understood. Please escalate my complaint, addressing it to President's Office, Comenity Bank.
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 correspondence regarding the above-referencedaccount. Comenity Bank issues the Bergner’s credit card. We are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the amountof $100.00. You state that you have contacted the Bank multiple times in regards to the refundcheck that you never received. Furthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following information. OnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $101.56. On September 27, 2016, we mailed a check to your attention to the followingaddress; 2217 South Koke Mill Road, Springfield, IL 62711, which was the address on youraccount at the time. The check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement line. We have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – C
We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues BrylaneHome® credit card accounts, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your concerns.We understand...
from your complaint that you received a bill for $575.00 and paid via money order. Onceyou realized your credit limit was only $300.00, you contacted the bank so that we could look into it. Youlater received a check for $575.00 and, thinking it was your refund, cashed the check. You then receivedanother bill for $575.00 and contacted the Bank. We advised that the refund check was an error. Youdisputed this with the Bank and we requested that you provide us with proof of the payment, which you nolonger have. You believe you do not owe this money and would like it to be dismissed; however, ifnecessary, you are willing to pay the $575.00 without the interest. You are also requesting this informationbe removed from your credit bureau report.On your May 2, 2015, billing statement, we credited your account for $575.00, which created a creditbalance. As a result, a refund check for this amount was sent to you on June 4, 2015. We later discoveredthat the payment you were originally given credit for should have been applied to another account. Tocorrect this mistake, we debited your credit card account for $575.00, which is the amount of the refundcheck you received.If a payment of $575.00 is received within 90 days of the receipt of this letter, the Bank would be willing todelete this account, in its entirety, from your credit bureau report. Enclosed are the copies of your billingstatements for your records. You may mail your payments to the remittance address, or call me at thenumber below to pay by telephone, with a personal bank account or debit card.I hope this information is helpful. If you have any further questions regarding your accounts, please contactme at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda RayConsumer Relations SpecialistCC: Revdex.com