We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. As the bank that issues HSN credit card accounts, Comenity Capital Bank ishere to help with your account-related concerns. Your complaint was forwarded to my attention,and I appreciate the...
opportunity to assist you.I understand from the complaint that personal information regarding debt that you owe was beingprovided to unauthorized people on phone numbers that are not yours. You state that the Bankonly has permission to contact you at your phone number.Please be advised, when our records show an account as delinquent, we will make attempts tocontact the customer regarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to a current status. Dueto potential negative ramifications for our customers if an account remains delinquent, we maycall until our attempt to communicate is successful.The telephone calls placed to the telephone numbers ending in 0409 and 7010 were attempts bythe Bank to contact you on the above-referenced account regarding a business matter. The Bankhas honored your request to cease all phone calls to the telephone numbers ending in 0409 and7010.As of the date of this letter, your HSN account has an outstanding balance of $1,532.62, with aminimum payment of $464.00 due by September 12, 2016. The account is six billing cycles pastdue. If an account exceeds six consecutive billing cycles past due, the account will be written off,and reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. Your client 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 withspecial terms in order to help bring the account current. If you or Ms. Linder are interested inobtaining information on whether she qualifies for one of these programs, please call (800) 888-9265.Also, customers who are experiencing financial difficulties 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 requirement, andcould include all of Ms. Linder’s creditors. We support and participate in the programs providedby CCCS agencies. Should you or Ms. Linder wish to obtain information regarding their programs, and for a member agency located near her, please contact the National Foundation for CreditCounseling at (800) 388-2227.We value you as a customer, and appreciate the time you spent notifying us of your concerns.Should you have any further questions, please contact the Consumer Relations Department at 1-800-675-5685 (TDD/TTY 1-888-819-1918). I will be happy to assist you.Sincerely,Ashley R[redacted]Consumer Relations SpecialistCC: Revdex.com
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. We understand your...
concerns as expressed in the correspondence. You state that when applying for alternate credit cards, you had a computer glitch that prevented you from canceling credit application(s). You also state that five hard inquiries were made to your credit report but we removed two of them, and you still have three showing. You are asking for the removal of the two inquiries and you state that customer service was rude and unhelpful. We reviewed our records and applicable telephone calls. We apologize if you felt the service received was less than satisfactory. Comenity Capital Bank strives to provide world-class service. It is never the Bank’s intention to cause a customer a hardship. We agree that during one call you were advised that we would update our information and the associate would send you a letter by email to confirm this. We apologize for the information you were provided, as this was not correct. Please be assured that we have taken the steps to coach our associate. The request that was submitted to have the credit inquiries removed from your credit file was denied and you were sent a letter, dated February 15, 2017. Enclosed is a copy of the letter for your records. Our records indicate that you applied for an Overstock Store account on December 12, 2012, and this account was not approved. The Bank is unwilling to request the deletion of the above mentioned credit inquiry as you did apply for the credit card account. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]Compliance Dept. – Consumer Responses
We received your complaint regarding the
above-referenced account. Comenity Bank
issues Peebles credit cards, and we are here to help answer 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 feel
you are being harassed with telephone calls regarding payment due on the
account.Please note, when the Bank’s records show an
account as delinquent, the Bank will make attempts to contact you regarding the
status of the account. Many times a
payment is overlooked by the customer, and a reminder call is helpful to bring
the account back to a current status.
Due to potential negative ramifications for our customers if an account
remains delinquent, Comenity Bank may call you until our attempts to
communicate are successful. Bank records indicate your Peebles credit
card account is two billing periods past due.
Please note, should an account exceed six consecutive billing periods
past due, the account would be permanently closed and written off, due to
non-payment, and reported to the national credit reporting agencies as an
unpaid debt. Customers who are experiencing financial
difficulties are urged to contact a non-profit Consumer Credit Counseling
Service (CCCS), organization for assistance.
Their programs can provide options such as reducing the interest rate
and the minimum payment requirement, and could include all of your
creditors. We support and participate in
the programs provided by CCCS agencies.
Should you wish to obtain information regarding their programs and for a
member agency located near you, please contact the National Foundation for
Credit Counseling at ###-###-####.Furthermore, the Bank
has noted your account to ensure that you are no longer called on the telephone
numbers ending in [redacted], and [redacted], per your request. If you would like to discuss payment options,
please contact our Payment Solutions team at ###-###-####.I hope the information I provided is
helpful. Should you have any further
questions or concerns about the account, please contact me at
###-###-####. I would be happy to
assist you. Sincerely,
hat's not was I was told at all and they are not being truthful when they say they do not offer any balance transfers at this time.. You have no real reason to deny me a balance transfer just like anyone else. My wife just recieved a balance transfer offer from you with 0% interest on her card. (Which I attached with this email.) Why would I have to wait until April as your last phone agent told me... Why would I be penalized for jumping through all your hoops just to be denied a normal function with your credit card.
Regards, [redacted]
Dear Ms. [redacted]We have received your complaint regarding your maurices credit card account. Please beassured, we are here to help with your concerns. Your complaint, addressed to the BetterBusiness Bureau, was forwarded to my attention and we appreciate the opportunity to assistyou.We understand...
from your complaint that starting in July 2015, you scheduled online paymentswhich were returned by [redacted] referencing the account numberprovided is invalid. As a result of this matter, your maurices credit card account has incurredfees totaling $91.00. You contacted Comenity Bank to have this matter rectified, by providingand verifying your checking account information; however, this matter continued and youraccount was assessed additional Bank fees. In addition, you state your maurices account wasrefunded for two of the three Bank fees assessed. On November 17, 2015, you filed a customercomplaint in regard to this matter, and you are currently waiting to receive a follow-up call withfeedback on this matter.You are requesting Comenity Bank refund all Bank fees pertaining to this matter, and not toreport delinquencies to the credit-reporting agencies.We apologize for any frustration this matter may have caused you. Please be assured, the Bankhas conducted a thorough investigation into your maurices credit card account, which includedreviewing your maurices payment history as well as reviewing applicable phone conversationspertaining to this matter, and we would like to share our findings.In July 201 5, a new bank routing number ending in [redacted] and checking account number endingin [redacted], was used to make payment to your maurices credit card account. Bank recordsindicate an online payment of $25.00 posted to your maurices account on July 8, 2015, andwas returned on July 13, 2015. An additional online payment of $31.OO posted on August 112015, and was returned on August 14, 2015. Lastly, a payment of $60.00 posted on November07, 2015, and was returned on November 12, 2015. Please note, all the above referencedpayments utilized the new checking account information and were returned as invalid bankaccount numberlunable to locate. Additionally, Bank records indicate that the first two returnedpayments were scheduled online through our online Account Center. The $60.00 payment wasscheduled over the phone with a Bank representative. Please be assured that we havereviewed this call and we find that our representative asked if you wanted to use the informationon file from your previous payments and she provided the last four digits of the account numberand the financial institution name. You confirmed this information was correct and asked her toschedule a $60.00 payment.In the interest of customer service, I contacted [redacted] at ###-###-####, and spoke with a bank representative who advised that you will need to contact thebank directly to verify your routing and checking account numbers. Per the [redacted] representative, checking account numbers consist of ten digits not eightdigits as listed on the returned payments.Please be advised that the fees assessed to the account as a result of this matter are valid.However, in the interest of customer service, the Bank credited a $31.00 returned payment feeon August 18, 2015, and removed the 30-day delinquency that was reported for August 2015.Due to the continued returned payment matter, the account was again reported as 30-days pastdue in November 2015. Please be assured, as an additional courtesy to you, we have removedthe delinquency and credited the $31.00 late fee that was assessed on November 11, 2015.This credit will appear on your next billing statement. Please allow 45 days for the creditreportingagencies to update your credit report.I hope you find this information to be helpful. Should you have any further questions orconcerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
Dear Mr. [redacted] We have received your additional complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you are disputing the balance of $275.52 as you state this merchandise was returned. You are requesting a full refund in the amount of $275.52. I am happy to share my findings. Bank records indicate that we responded to you, with all available enclosures, on October 22, 2015, November 12, 2015, and November 16, 2015. Please refer to our previous correspondence. As indicated in the previous response dated October 22, 2015, the Bank contacted Eddie Bauer regarding the merchandise return and we were advised that when Eddie Bauer received the small package, the package was filled with sand or cat litter. Because we are the issuer of the Eddie Bauer® credit card, we must rely on the information provided to us by Eddie Bauer. Eddie Bauer has not applied a credit to the account, as they state the merchandise was not returned. Additionally, as indicated in the previous response, please understand that Comenity Bank and Eddie Bauer are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Eddie Bauer is responsible for handling matters related to sales, merchandise processing, returns and shipping. To discuss the matter regarding your return, please contact them directly at ###-###-####. 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 the returned merchandise credit, please contact Eddie Bauer directly at the telephone number provided. They will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
January 16, 2017[redacted]RE: [redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced credit cardaccount....
Comenity Bank issues the [redacted] credit cards. We are here to answer yourquestions and assist with your concerns.Your complaint states that you were previously enrolled in the Hardship Program. On December16, 2016, you got a rude and professional call from the Bank about a past due payment. Youwere advised that you were terminated from the program, and are not eligible to enroll for a year.You claim that you were not notified of the termination, and that you explained you would pay$200.00 on December 24, 2016, to catch up the payments, as you typically paid $70.00 monthlyon the program. You also need to remain on the 10% interest rate. You state that you wereadvised that the program is federally regulated, that we could not place you back on the program,and you were asked to pay $81.00 to bring the account current. You believe the Bank wascounting on you to fail the program and charge you 27% interest versus 10%. You requested tohave your account notated with your complaint, but you were advised that there was no room towrite out the complaint, and you could write a letter to customer care. You want a lower interestrate since you were not informed about being removed from the program.After a thorough review of your account, I am happy to explain our findings.Bank records indicate that due to the loss of employment hours and income, you enrolled into theSix-Month Hardship Program on April 15, 2016. One of the conditions of the program was thatthe Annual Percentage Rate would be lowered to 10% during the program, and if you missed twoconsecutive or three total payments, your account would revert back to the original termsdisclosed in the Credit Card Agreement.On October 13, 2016, the Bank sent a letter advising that special terms were provided to youduring the program, and that the account would revert to the original terms if you failed to makethe payments, as explained in the initial agreement. In this letter, we advised you that the accountwas past due and you were in danger of not fulfilling your agreement due to the missedpayment(s), and we needed you to bring the account current immediately.As the Bank did not hear from you, and the account payments were missed for the Novemberand December 2016 due dates, the account was removed from the Hardship Program. A letter,notifying you of the termination was sent on December 12, 2016.Enclosed are copies of the letters mentioned above for your records.Please understand that your account is not currently eligible to be re-enrolled into the program.Also, the interest rate is currently 27.24%, which is the best rate for your credit card account atthis time.Furthermore, the Bank reviewed the applicable telephone calls. We apologize that you felt thetreatment you received was less than satisfactory. Comenity Bank strives to provide world-classservice, and we are disappointed when this does not occur. It is never our intention to cause acustomer a hardship.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at [redacted].Sincerely,[redacted] [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint,...
addressed to the Revdex.com, on behalf of your wife. Your state that you called the Bank to request that a late fee of $27.00 be removed from you wife’s account. You state during the conversation with the Bank you were advised that the Bank was unable to speak to you regarding this account due to you were not the accountholder on the account. At that time you advised that your wife was busy working and could not make the call. You requested to speak to a supervisor and was transferred at that time. During this conversation you were also told that due to you were not the accountholder on the account the Bank was unable to discuss the account with you and again was advised to have the accountholder reach out to the Bank to discuss the account. Please be advised that the Bank is unable to speak to you or make any changes on the account as you are not the primary accountholder. Please have your wife contact the Bank to discuss the account or request the late fee removal. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
In your response, you indicated that both payments were returned because an incorrect account number was entered. Who entered the incorrect number? Your representatives. You never admitted fault nor offered any way to express your efforts to retain me as a customer.
Regards, [redacted]
Dear Mr[redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues HealthiPland credit accounts, and we are here to assistyou with all account-related questions. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you purchased a set of hearing aids from Miracle Ear with a 30-day money back guarantee. You state that you returned the hearing aids on the 28th day of the trialperiod, and at that time, you received a refund sheet with a serial number for the return. We furtherunderstand that the returned credit has not been applied to your HeaYhiPlan@ credit account. You wouldlike the credit to be applied to the account with no delinquencies reporled to the credit bureaus.Please note that Comenity Capital Bank and Miracle Ear are two separate entities. The Bank isresponsible for addressing questions related to the credit card account, while Miracle Ear is responsiblefor handling matters related to sales, merchandise processing, and returns.On your behalf, we contacted Miracle Ear, and their records indicate that a credit, in the amount of$3,930.00, was issued to the above-noted account on January 18, 2016, for the returned merchandise.Please note, as outlined in the Purchase Agreement, under the section titled 30-Day Money Back TrialPeriod, it states in the event of any cancellation and/or return, the merchant will retain a sum equal to15% of the invoiced purchase price. According to Miracle Ear, this fee of $480.00 is based on the lastpair of hearing aids purchased. Enclosed, please find a copy of the Purchase Agreement, and PurchaseSummary, for your review.Although there were no billing errors on behalf of the Bank, we have issued credits totaling $145.23 forthe previoGsly assessed finance charges and late fees. As of the date of this letter, the account balanceis $480.00.Comenity Capital Bank reports the same information to each of the national credit-reporting agencies. Arecent review of the information reporting in regard to your HealthiPlanQ account did indicate adiscrepancy. Please be assured that the credit-reporting agencies have been notified of the changes thatneed to be made. Please allow 45 days for the agencies to update their records.We hope you have found this information helphh. If you have any further questions, please contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Diamond L[redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Crate&Barrel 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 when you went to visit your daughter in Brooklyn in August of 2015, you visited a Crate&Barrel store and an account was established using your daughter’s address as you live in France; however, the incorrect address was entered and you did not receive your billing statements. You state you contacted the Bank in January and agreed to settle the balance with a payment of $233.85, with the understanding that the $59.00 in fees would be removed. However, additional fees continued to accrue and additional billing statements were sent to your daughter’s address. You are requesting that the Bank honor the January 7, 2016, settlement of $233.85, which has already been paid. Additionally, you request that we clear the balance, and close the account completely from your credit history. We apologize for any inconvenience this matter may have caused you. Our records indicate that when the account was opened on August 11, 2015, the address in our records did not have the apartment number. Please be assured that the address was updated in our records with the apartment number on October 19, 2015. We have enclosed copies of your statements for your review. The balance of $233.83 was billed on November 7, 2015, and was due by December 3, 2015. As no payment was received by the due date, a late fee and finance charge were assessed to the account in accordance with the Credit Card Agreement. Your payment of $233.83 was received on January 15, 2016. Please be assured that the Bank is not holding you responsible for the remaining balance, and credits totaling $304.02 have been applied to your account, to remove the previously assessed late fees and finance charges. Please be advised that with this adjustment the balance on your account is now zero. Per your request, we have closed your account. Additionally, we have sent notification to the national credit-reporting agencies to remove the negative payment information reported regarding the Crate&Barrel credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Ashley H[redacted] Consumer Relations Specialist CC: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the DSW Rewards Visa credit card. We are here to answer yourquestions 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 a copy of our response dated September 28, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Better Business
April 26, 2017Jesus Perez3410 Nash StreetRiverside, CA 92501-1409RE: Victoria’s Secret Angel Credit Card Account Ending In 4683Wayfair Card Credit Card Account Ending In 2804Revdex.com Complaint ID #12110309Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accounts. We are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.com regarding this matter. As previously stated, the Bank is unable to reopen the accounts based on the information provided, as such, you would need to reapply. Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]_____________________________________________________________________...⇄ 21, 2017[redacted]Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit cardaccounts. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you applied for a Victoria’s Secret Angel and aWayfair Card account and you were approved. However, you later received a letter from the Bankasking for documentation, which you sent. After receipt of your documentation, your accountswere closed, and you were advised the accounts could not be reopened. You are requesting thatthe accounts be reopened. We understand your concerns and apologize for any frustration orinconvenience this matter may have caused you.Bank records indicate that based on the information you provided, the accounts were permanentlyclosed. We regret that we are unable to reopen your accounts; however, you may reapply.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the accounts, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concerns. I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you placed an order online and redeemed rewardcertificates, but the website went down before your order was completed. You called thecatalog's customer service department and they confirmed that the order never went through.but the rewards that were entered in this order are showing that they were redeemed. You wereadvised to contact Comenity Bank to look into the problem. You would like. your rewardsreissued, so you can use them.After researching the account, we have issued point credits that will result in the issuance ofrewards certificates as shown below. Please be advised, these certificates will be available inthe next 4-6 weeks.9 $10.00 in rewards on the ByrlaneHometD account- $10.00 in rewards on the Woman Withinn account $20.00 in rewards on the Full Beauty account.I hope that this information is helpful. Should you have any further questions regarding youraccounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist youSincerely,[redacted]Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® credit card account. Comenity Bank issues fullbeauty® credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. We understand from the complaint that you ordered three items and returned all items. You ordered another item and paid for it in full. You dispute fees that the Bank has assessed to your account.. We have reviewed the issues in your complaint, and 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. Our records indicate a purchase of $59.96 was made on April 1, 2016. Your April billing statement showed a minimum payment of $20.00 was due by May 11, 2016. We did not receive payment by the due date and the account was assessed a late fee of $20.00 and a finance charge of $2.00. On May 24, 2016, your account was credited $44.98 for a return. On May 31, 2016, the account was charged $42.98 for a purchase. When we do not receive a return for the full balance or the minimum payment due, the Bank will assess fees. On June 11, 2016, the account was assessed a late fee of $25.00. A finance charge of $2.00 was assessed when the June billing statement was mailed. Per your request, we removed the $25.00 late fee as a courtesy. Because payment was not received by the July due date a late fee of $30.00 and a finance charge of $2.52 were assessed. On July 27, 2016, we received a payment of $42.98. On August 1 and August 2, 2016, the account was given credit adjustments totaling $12.98. The August billing statement reflects a finance charge of $2.00 and a balance of $60.52 and a minimum payment of $20.00 due by September 11, 2016. In the interest of customer service we removed finance charges totaling $4.52 on August 22, 2016. On September 26, 2016, a credit adjustment of $9.99 was made. We received no further credits or payments and the account continued to be assessed late fees and finance charges. Our records show that you made multiple attempts to resolve this matter with our Customer Care team. As a courtesy, we have now removed all fees, creating a zero balance on the fullbeauty® account. The late status on the account resulted in the account being reported as past due to the national credit-reporting agencies. In addition, the credit limit had been lowered. Please be assured that we have contacted the national credit-reporting agencies with instructions to remove the derogatory information that was reported as a result of this issue. We have also reinstated the credit limit to $510.00 Please accept our sincere apology for any inconvenience you experienced. We hope you find this information helpful and that you will continue to shop with fullbeauty. Should you have any further questions or concerns, please contact me at ###-###-####). I will be happy to assist you. Sincerely, Gail M[redacted] Compliance Dept. – Consumer Responses
I [redacted] is responding to ID [redacted] against Comenity Bank, I talk to them on the phone regarding the late fee that thy had been charging me with. So thy decided to stop the late fee and gave me a new due date. I apprecaite the help that you has given me. Thank you very much.[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 Mr. [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 Imports® creditcard accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and...
I appreciate the opportunity to respond to your concerns. We understand your concerns as noted in thecorrespondence that you were not receiving your billing statements due to anissue with your name and would like to have the negative reporting removed fromyour credit report. We apologize for theinconvenience and frustration you may have experienced due to this situation. Our records indicate that the Pier 1 Imports®account was opened on March 22, 2014, in the name of [redacted] withthe address listed above. Bank records indicate a billing statement wasissued on March 23, 2015, which reflected a balance of $2,462.35 with a minimumpayment of $123.00 due by April 18, 2014. A statement was issued on April 22, 2014, which reflected a balance of $2,692.31with a minimum payment of $258.00, due by May 18, 2014. Due to non-receipt of payment, late fees andfinance charges were assessed to the account in accordance to the Credit CardAgreement. In addition, we have no recordof the billing statements being undeliverable. On May 26, 2014, a credit of $60.00 wasapplied to your account to reverse the previously assessed late fees, and yourname was corrected on the account. Apayment of $2,669.87 was applied to your account on June 12, 2014, leaving theremaining balance of $99.51. As nofurther payments were received, late fees and finance charges continued to beassessed to the account. On October 29,2014, a credit for $239.54 was applied to your account removing the previouslyassessed finance charges and late fees, leaving a zero balance. In the interest of customer service,instructions were sent to the national credit-reporting agencies to delete thederogatory reporting for the above mentioned account. Please allow the credit reporting agencies 45days to update their records. We hope this information is helpful. Should you have any other questions orconcerns 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]
Dear Ms. [redacted] Thank you for your recent complaint regarding the account noted above. Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concerns. Your complaint, addressed to the Better Business...
Bureau, was forwarded to my attention and I appreciate the opportunity to assist you. I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase. You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase. Immediately after the sale, you wanted to pay the credit card off utilizing a gift card. You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment. You are requesting to use your gift card to pay for purchases and receive cash back on the item. I have reviewed you complaint, and would like to share my findings . Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose a payment method that's right for you: In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account today. Online payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Same day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representative. A fee applies to same-day payments made with the representative. In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificates. You may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars. I hope you find this information to be helpful. Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. As the bank that issues HSN credit card accounts, Comenity Capital Bank ishere to help with your account-related concerns. Your complaint was forwarded to my attention,and I appreciate the...
opportunity to assist you.I understand from the complaint that personal information regarding debt that you owe was beingprovided to unauthorized people on phone numbers that are not yours. You state that the Bankonly has permission to contact you at your phone number.Please be advised, when our records show an account as delinquent, we will make attempts tocontact the customer regarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to a current status. Dueto potential negative ramifications for our customers if an account remains delinquent, we maycall until our attempt to communicate is successful.The telephone calls placed to the telephone numbers ending in 0409 and 7010 were attempts bythe Bank to contact you on the above-referenced account regarding a business matter. The Bankhas honored your request to cease all phone calls to the telephone numbers ending in 0409 and7010.As of the date of this letter, your HSN account has an outstanding balance of $1,532.62, with aminimum payment of $464.00 due by September 12, 2016. The account is six billing cycles pastdue. If an account exceeds six consecutive billing cycles past due, the account will be written off,and reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. Your client 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 withspecial terms in order to help bring the account current. If you or Ms. Linder are interested inobtaining information on whether she qualifies for one of these programs, please call (800) 888-9265.Also, customers who are experiencing financial difficulties 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 requirement, andcould include all of Ms. Linder’s creditors. We support and participate in the programs providedby CCCS agencies. Should you or Ms. Linder wish to obtain information regarding their programs, and for a member agency located near her, please contact the National Foundation for CreditCounseling at (800) 388-2227.We value you as a customer, and appreciate the time you spent notifying us of your concerns.Should you have any further questions, please contact the Consumer Relations Department at 1-800-675-5685 (TDD/TTY 1-888-819-1918). I will be happy to assist you.Sincerely,Ashley R[redacted]Consumer Relations SpecialistCC: Revdex.com
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. We understand your...
concerns as expressed in the correspondence. You state that when applying for alternate credit cards, you had a computer glitch that prevented you from canceling credit application(s). You also state that five hard inquiries were made to your credit report but we removed two of them, and you still have three showing. You are asking for the removal of the two inquiries and you state that customer service was rude and unhelpful. We reviewed our records and applicable telephone calls. We apologize if you felt the service received was less than satisfactory. Comenity Capital Bank strives to provide world-class service. It is never the Bank’s intention to cause a customer a hardship. We agree that during one call you were advised that we would update our information and the associate would send you a letter by email to confirm this. We apologize for the information you were provided, as this was not correct. Please be assured that we have taken the steps to coach our associate. The request that was submitted to have the credit inquiries removed from your credit file was denied and you were sent a letter, dated February 15, 2017. Enclosed is a copy of the letter for your records. Our records indicate that you applied for an Overstock Store account on December 12, 2012, and this account was not approved. The Bank is unwilling to request the deletion of the above mentioned credit inquiry as you did apply for the credit card account. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]Compliance Dept. – Consumer Responses
We received your complaint regarding the
above-referenced account. Comenity Bank
issues Peebles credit cards, and we are here to help answer 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 feel
you are being harassed with telephone calls regarding payment due on the
account.Please note, when the Bank’s records show an
account as delinquent, the Bank will make attempts to contact you regarding the
status of the account. Many times a
payment is overlooked by the customer, and a reminder call is helpful to bring
the account back to a current status.
Due to potential negative ramifications for our customers if an account
remains delinquent, Comenity Bank may call you until our attempts to
communicate are successful. Bank records indicate your Peebles credit
card account is two billing periods past due.
Please note, should an account exceed six consecutive billing periods
past due, the account would be permanently closed and written off, due to
non-payment, and reported to the national credit reporting agencies as an
unpaid debt. Customers who are experiencing financial
difficulties are urged to contact a non-profit Consumer Credit Counseling
Service (CCCS), organization for assistance.
Their programs can provide options such as reducing the interest rate
and the minimum payment requirement, and could include all of your
creditors. We support and participate in
the programs provided by CCCS agencies.
Should you wish to obtain information regarding their programs and for a
member agency located near you, please contact the National Foundation for
Credit Counseling at ###-###-####.Furthermore, the Bank
has noted your account to ensure that you are no longer called on the telephone
numbers ending in [redacted], and [redacted], per your request. If you would like to discuss payment options,
please contact our Payment Solutions team at ###-###-####.I hope the information I provided is
helpful. Should you have any further
questions or concerns about the account, please contact me at
###-###-####. I would be happy to
assist you. Sincerely,
hat's not was I was told at all and they are not being truthful when they say they do not offer any balance transfers at this time.. You have no real reason to deny me a balance transfer just like anyone else. My wife just recieved a balance transfer offer from you with 0% interest on her card. (Which I attached with this email.) Why would I have to wait until April as your last phone agent told me... Why would I be penalized for jumping through all your hoops just to be denied a normal function with your credit card.
Regards, [redacted]
Dear Ms. [redacted]We have received your complaint regarding your maurices credit card account. Please beassured, we are here to help with your concerns. Your complaint, addressed to the BetterBusiness Bureau, was forwarded to my attention and we appreciate the opportunity to assistyou.We understand...
from your complaint that starting in July 2015, you scheduled online paymentswhich were returned by [redacted] referencing the account numberprovided is invalid. As a result of this matter, your maurices credit card account has incurredfees totaling $91.00. You contacted Comenity Bank to have this matter rectified, by providingand verifying your checking account information; however, this matter continued and youraccount was assessed additional Bank fees. In addition, you state your maurices account wasrefunded for two of the three Bank fees assessed. On November 17, 2015, you filed a customercomplaint in regard to this matter, and you are currently waiting to receive a follow-up call withfeedback on this matter.You are requesting Comenity Bank refund all Bank fees pertaining to this matter, and not toreport delinquencies to the credit-reporting agencies.We apologize for any frustration this matter may have caused you. Please be assured, the Bankhas conducted a thorough investigation into your maurices credit card account, which includedreviewing your maurices payment history as well as reviewing applicable phone conversationspertaining to this matter, and we would like to share our findings.In July 201 5, a new bank routing number ending in [redacted] and checking account number endingin [redacted], was used to make payment to your maurices credit card account. Bank recordsindicate an online payment of $25.00 posted to your maurices account on July 8, 2015, andwas returned on July 13, 2015. An additional online payment of $31.OO posted on August 112015, and was returned on August 14, 2015. Lastly, a payment of $60.00 posted on November07, 2015, and was returned on November 12, 2015. Please note, all the above referencedpayments utilized the new checking account information and were returned as invalid bankaccount numberlunable to locate. Additionally, Bank records indicate that the first two returnedpayments were scheduled online through our online Account Center. The $60.00 payment wasscheduled over the phone with a Bank representative. Please be assured that we havereviewed this call and we find that our representative asked if you wanted to use the informationon file from your previous payments and she provided the last four digits of the account numberand the financial institution name. You confirmed this information was correct and asked her toschedule a $60.00 payment.In the interest of customer service, I contacted [redacted] at ###-###-####, and spoke with a bank representative who advised that you will need to contact thebank directly to verify your routing and checking account numbers. Per the [redacted] representative, checking account numbers consist of ten digits not eightdigits as listed on the returned payments.Please be advised that the fees assessed to the account as a result of this matter are valid.However, in the interest of customer service, the Bank credited a $31.00 returned payment feeon August 18, 2015, and removed the 30-day delinquency that was reported for August 2015.Due to the continued returned payment matter, the account was again reported as 30-days pastdue in November 2015. Please be assured, as an additional courtesy to you, we have removedthe delinquency and credited the $31.00 late fee that was assessed on November 11, 2015.This credit will appear on your next billing statement. Please allow 45 days for the creditreportingagencies to update your credit report.I hope you find this information to be helpful. Should you have any further questions orconcerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
Dear Mr. [redacted] We have received your additional complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you are disputing the balance of $275.52 as you state this merchandise was returned. You are requesting a full refund in the amount of $275.52. I am happy to share my findings. Bank records indicate that we responded to you, with all available enclosures, on October 22, 2015, November 12, 2015, and November 16, 2015. Please refer to our previous correspondence. As indicated in the previous response dated October 22, 2015, the Bank contacted Eddie Bauer regarding the merchandise return and we were advised that when Eddie Bauer received the small package, the package was filled with sand or cat litter. Because we are the issuer of the Eddie Bauer® credit card, we must rely on the information provided to us by Eddie Bauer. Eddie Bauer has not applied a credit to the account, as they state the merchandise was not returned. Additionally, as indicated in the previous response, please understand that Comenity Bank and Eddie Bauer are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Eddie Bauer is responsible for handling matters related to sales, merchandise processing, returns and shipping. To discuss the matter regarding your return, please contact them directly at ###-###-####. 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 the returned merchandise credit, please contact Eddie Bauer directly at the telephone number provided. They will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
January 16, 2017[redacted]RE: [redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced credit cardaccount....
Comenity Bank issues the [redacted] credit cards. We are here to answer yourquestions and assist with your concerns.Your complaint states that you were previously enrolled in the Hardship Program. On December16, 2016, you got a rude and professional call from the Bank about a past due payment. Youwere advised that you were terminated from the program, and are not eligible to enroll for a year.You claim that you were not notified of the termination, and that you explained you would pay$200.00 on December 24, 2016, to catch up the payments, as you typically paid $70.00 monthlyon the program. You also need to remain on the 10% interest rate. You state that you wereadvised that the program is federally regulated, that we could not place you back on the program,and you were asked to pay $81.00 to bring the account current. You believe the Bank wascounting on you to fail the program and charge you 27% interest versus 10%. You requested tohave your account notated with your complaint, but you were advised that there was no room towrite out the complaint, and you could write a letter to customer care. You want a lower interestrate since you were not informed about being removed from the program.After a thorough review of your account, I am happy to explain our findings.Bank records indicate that due to the loss of employment hours and income, you enrolled into theSix-Month Hardship Program on April 15, 2016. One of the conditions of the program was thatthe Annual Percentage Rate would be lowered to 10% during the program, and if you missed twoconsecutive or three total payments, your account would revert back to the original termsdisclosed in the Credit Card Agreement.On October 13, 2016, the Bank sent a letter advising that special terms were provided to youduring the program, and that the account would revert to the original terms if you failed to makethe payments, as explained in the initial agreement. In this letter, we advised you that the accountwas past due and you were in danger of not fulfilling your agreement due to the missedpayment(s), and we needed you to bring the account current immediately.As the Bank did not hear from you, and the account payments were missed for the Novemberand December 2016 due dates, the account was removed from the Hardship Program. A letter,notifying you of the termination was sent on December 12, 2016.Enclosed are copies of the letters mentioned above for your records.Please understand that your account is not currently eligible to be re-enrolled into the program.Also, the interest rate is currently 27.24%, which is the best rate for your credit card account atthis time.Furthermore, the Bank reviewed the applicable telephone calls. We apologize that you felt thetreatment you received was less than satisfactory. Comenity Bank strives to provide world-classservice, and we are disappointed when this does not occur. It is never our intention to cause acustomer a hardship.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at [redacted].Sincerely,[redacted] [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint,...
addressed to the Revdex.com, on behalf of your wife. Your state that you called the Bank to request that a late fee of $27.00 be removed from you wife’s account. You state during the conversation with the Bank you were advised that the Bank was unable to speak to you regarding this account due to you were not the accountholder on the account. At that time you advised that your wife was busy working and could not make the call. You requested to speak to a supervisor and was transferred at that time. During this conversation you were also told that due to you were not the accountholder on the account the Bank was unable to discuss the account with you and again was advised to have the accountholder reach out to the Bank to discuss the account. Please be advised that the Bank is unable to speak to you or make any changes on the account as you are not the primary accountholder. Please have your wife contact the Bank to discuss the account or request the late fee removal. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
In your response, you indicated that both payments were returned because an incorrect account number was entered. Who entered the incorrect number? Your representatives. You never admitted fault nor offered any way to express your efforts to retain me as a customer.
Regards, [redacted]
Dear Mr[redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues HealthiPland credit accounts, and we are here to assistyou with all account-related questions. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you purchased a set of hearing aids from Miracle Ear with a 30-day money back guarantee. You state that you returned the hearing aids on the 28th day of the trialperiod, and at that time, you received a refund sheet with a serial number for the return. We furtherunderstand that the returned credit has not been applied to your HeaYhiPlan@ credit account. You wouldlike the credit to be applied to the account with no delinquencies reporled to the credit bureaus.Please note that Comenity Capital Bank and Miracle Ear are two separate entities. The Bank isresponsible for addressing questions related to the credit card account, while Miracle Ear is responsiblefor handling matters related to sales, merchandise processing, and returns.On your behalf, we contacted Miracle Ear, and their records indicate that a credit, in the amount of$3,930.00, was issued to the above-noted account on January 18, 2016, for the returned merchandise.Please note, as outlined in the Purchase Agreement, under the section titled 30-Day Money Back TrialPeriod, it states in the event of any cancellation and/or return, the merchant will retain a sum equal to15% of the invoiced purchase price. According to Miracle Ear, this fee of $480.00 is based on the lastpair of hearing aids purchased. Enclosed, please find a copy of the Purchase Agreement, and PurchaseSummary, for your review.Although there were no billing errors on behalf of the Bank, we have issued credits totaling $145.23 forthe previoGsly assessed finance charges and late fees. As of the date of this letter, the account balanceis $480.00.Comenity Capital Bank reports the same information to each of the national credit-reporting agencies. Arecent review of the information reporting in regard to your HealthiPlanQ account did indicate adiscrepancy. Please be assured that the credit-reporting agencies have been notified of the changes thatneed to be made. Please allow 45 days for the agencies to update their records.We hope you have found this information helphh. If you have any further questions, please contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Diamond L[redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Crate&Barrel 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 when you went to visit your daughter in Brooklyn in August of 2015, you visited a Crate&Barrel store and an account was established using your daughter’s address as you live in France; however, the incorrect address was entered and you did not receive your billing statements. You state you contacted the Bank in January and agreed to settle the balance with a payment of $233.85, with the understanding that the $59.00 in fees would be removed. However, additional fees continued to accrue and additional billing statements were sent to your daughter’s address. You are requesting that the Bank honor the January 7, 2016, settlement of $233.85, which has already been paid. Additionally, you request that we clear the balance, and close the account completely from your credit history. We apologize for any inconvenience this matter may have caused you. Our records indicate that when the account was opened on August 11, 2015, the address in our records did not have the apartment number. Please be assured that the address was updated in our records with the apartment number on October 19, 2015. We have enclosed copies of your statements for your review. The balance of $233.83 was billed on November 7, 2015, and was due by December 3, 2015. As no payment was received by the due date, a late fee and finance charge were assessed to the account in accordance with the Credit Card Agreement. Your payment of $233.83 was received on January 15, 2016. Please be assured that the Bank is not holding you responsible for the remaining balance, and credits totaling $304.02 have been applied to your account, to remove the previously assessed late fees and finance charges. Please be advised that with this adjustment the balance on your account is now zero. Per your request, we have closed your account. Additionally, we have sent notification to the national credit-reporting agencies to remove the negative payment information reported regarding the Crate&Barrel credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Ashley H[redacted] Consumer Relations Specialist CC: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the DSW Rewards Visa credit card. We are here to answer yourquestions 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 a copy of our response dated September 28, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Better Business
I still paid last months payment on time and feel I should get a re-imbursement for the late fee I was charged when I wasn't late!
thanks, [redacted]
April 26, 2017Jesus Perez3410 Nash StreetRiverside, CA 92501-1409RE: Victoria’s Secret Angel Credit Card Account Ending In 4683Wayfair Card Credit Card Account Ending In 2804Revdex.com Complaint ID #12110309Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accounts. We are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.com regarding this matter. As previously stated, the Bank is unable to reopen the accounts based on the information provided, as such, you would need to reapply. Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]_____________________________________________________________________...⇄ 21, 2017[redacted]Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit cardaccounts. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you applied for a Victoria’s Secret Angel and aWayfair Card account and you were approved. However, you later received a letter from the Bankasking for documentation, which you sent. After receipt of your documentation, your accountswere closed, and you were advised the accounts could not be reopened. You are requesting thatthe accounts be reopened. We understand your concerns and apologize for any frustration orinconvenience this matter may have caused you.Bank records indicate that based on the information you provided, the accounts were permanentlyclosed. We regret that we are unable to reopen your accounts; however, you may reapply.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the accounts, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concerns. I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you placed an order online and redeemed rewardcertificates, but the website went down before your order was completed. You called thecatalog's customer service department and they confirmed that the order never went through.but the rewards that were entered in this order are showing that they were redeemed. You wereadvised to contact Comenity Bank to look into the problem. You would like. your rewardsreissued, so you can use them.After researching the account, we have issued point credits that will result in the issuance ofrewards certificates as shown below. Please be advised, these certificates will be available inthe next 4-6 weeks.9 $10.00 in rewards on the ByrlaneHometD account- $10.00 in rewards on the Woman Withinn account $20.00 in rewards on the Full Beauty account.I hope that this information is helpful. Should you have any further questions regarding youraccounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist youSincerely,[redacted]Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® credit card account. Comenity Bank issues fullbeauty® credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. We understand from the complaint that you ordered three items and returned all items. You ordered another item and paid for it in full. You dispute fees that the Bank has assessed to your account.. We have reviewed the issues in your complaint, and 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. Our records indicate a purchase of $59.96 was made on April 1, 2016. Your April billing statement showed a minimum payment of $20.00 was due by May 11, 2016. We did not receive payment by the due date and the account was assessed a late fee of $20.00 and a finance charge of $2.00. On May 24, 2016, your account was credited $44.98 for a return. On May 31, 2016, the account was charged $42.98 for a purchase. When we do not receive a return for the full balance or the minimum payment due, the Bank will assess fees. On June 11, 2016, the account was assessed a late fee of $25.00. A finance charge of $2.00 was assessed when the June billing statement was mailed. Per your request, we removed the $25.00 late fee as a courtesy. Because payment was not received by the July due date a late fee of $30.00 and a finance charge of $2.52 were assessed. On July 27, 2016, we received a payment of $42.98. On August 1 and August 2, 2016, the account was given credit adjustments totaling $12.98. The August billing statement reflects a finance charge of $2.00 and a balance of $60.52 and a minimum payment of $20.00 due by September 11, 2016. In the interest of customer service we removed finance charges totaling $4.52 on August 22, 2016. On September 26, 2016, a credit adjustment of $9.99 was made. We received no further credits or payments and the account continued to be assessed late fees and finance charges. Our records show that you made multiple attempts to resolve this matter with our Customer Care team. As a courtesy, we have now removed all fees, creating a zero balance on the fullbeauty® account. The late status on the account resulted in the account being reported as past due to the national credit-reporting agencies. In addition, the credit limit had been lowered. Please be assured that we have contacted the national credit-reporting agencies with instructions to remove the derogatory information that was reported as a result of this issue. We have also reinstated the credit limit to $510.00 Please accept our sincere apology for any inconvenience you experienced. We hope you find this information helpful and that you will continue to shop with fullbeauty. Should you have any further questions or concerns, please contact me at ###-###-####). I will be happy to assist you. Sincerely, Gail M[redacted] Compliance Dept. – Consumer Responses
I [redacted] is responding to ID [redacted] against Comenity Bank, I talk to them on the phone regarding the late fee that thy had been charging me with. So thy decided to stop the late fee and gave me a new due date. I apprecaite the help that you has given me. Thank you very much.[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 Mr. [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 Imports® creditcard accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and...
I appreciate the opportunity to respond to your concerns. We understand your concerns as noted in thecorrespondence that you were not receiving your billing statements due to anissue with your name and would like to have the negative reporting removed fromyour credit report. We apologize for theinconvenience and frustration you may have experienced due to this situation. Our records indicate that the Pier 1 Imports®account was opened on March 22, 2014, in the name of [redacted] withthe address listed above. Bank records indicate a billing statement wasissued on March 23, 2015, which reflected a balance of $2,462.35 with a minimumpayment of $123.00 due by April 18, 2014. A statement was issued on April 22, 2014, which reflected a balance of $2,692.31with a minimum payment of $258.00, due by May 18, 2014. Due to non-receipt of payment, late fees andfinance charges were assessed to the account in accordance to the Credit CardAgreement. In addition, we have no recordof the billing statements being undeliverable. On May 26, 2014, a credit of $60.00 wasapplied to your account to reverse the previously assessed late fees, and yourname was corrected on the account. Apayment of $2,669.87 was applied to your account on June 12, 2014, leaving theremaining balance of $99.51. As nofurther payments were received, late fees and finance charges continued to beassessed to the account. On October 29,2014, a credit for $239.54 was applied to your account removing the previouslyassessed finance charges and late fees, leaving a zero balance. In the interest of customer service,instructions were sent to the national credit-reporting agencies to delete thederogatory reporting for the above mentioned account. Please allow the credit reporting agencies 45days to update their records. We hope this information is helpful. Should you have any other questions orconcerns 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]
Dear Ms. [redacted] Thank you for your recent complaint regarding the account noted above. Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concerns. Your complaint, addressed to the Better Business...
Bureau, was forwarded to my attention and I appreciate the opportunity to assist you. I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase. You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase. Immediately after the sale, you wanted to pay the credit card off utilizing a gift card. You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment. You are requesting to use your gift card to pay for purchases and receive cash back on the item. I have reviewed you complaint, and would like to share my findings . Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose a payment method that's right for you: In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account today. Online payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Same day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representative. A fee applies to same-day payments made with the representative. In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificates. You may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars. I hope you find this information to be helpful. Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]