I have reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Chadwicks® credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respondto...
your concerns.We understand from your complaint that Comenity Bank processed an inquiry to your creditbureau report on February 11, 2015. You state you have never done business with our company,and you would like this account removed from your credit bureau report.In the interest of customer service, Comenity Bank will honor your request to remove the accountfrom your credit-reporting history. Notification was sent to the national credit-reporting agencieswith instructions to delete the Chadwicks® account, in its entirety, from your credit report. Pleaseallow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you lost your job near the end of November and you contacted the Bank and enrolled in a plan that would cover you should this happen. You indicate that you tried to pay and you are receiving calls 6-8 times a day. You state that you were offered a Hardship program of $10.00 on February 18, 2016. You also state that you made the payments for 6 months and later received a letter stating you still owed the Bank money. You are requesting the Bank not contact you again regarding these charges, you want your credit file to show a positive reporting, and the account to be credited of the balance. Please be assured that “do not call” has been placed on the telephone number ending in [redacted] The calls should have stopped by now. After a thorough review of the account, our records indicate that you enrolled in our Hardship program on February 23, 2016. What this means is for 12 months, the annual percentage rate would be reduced to 10%, the late fees would be suspended while enrolled in the program, and your payment would be reduced to 2% of your balance or $10.00, whichever is greater. Additionally, if these terms are not met the account would revert back to the original terms disclosed in the Credit Card Agreement. On August 23, 2016, a letter was sent to you advising you that in addition to the special terms while in this program, if you failed to make two consecutive minimum payments in a timely manner or were late on any three payments by the payment due date, your account would revert to the original terms. As the terms were not met, you did not successfully complete the Hardship Program and the account was reverted back to the original terms as disclosed in your Credit Card Agreement. Enclosed is a copy of this letter for your records. As of the date of this letter, the balance on the account is $391.03 with a minimum payment of $45.00 due on October 16, 2016, and the account is two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the credit-reporting agencies as an unpaid debt. The Bank find this balance to be valid. Please be advised, if you would like to discuss or set up suitable payment arrangements, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####). We have verified we are reporting the account correctly to the credit-reporting agencies. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity. 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 about your account, please contact our Payment Solutions team at the telephone number provided. The will be happy to assist you. Sincerely, Renee S[redacted]
Dear Ms. [redacted]: We received your additional inquiry in reference to the above mentioned credit card account. As the bank that issues Peebles credit card accounts, we are here to assist with all account-related concerns. Your correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from the correspondence, you previously requested validation of debt for the account, and you believe your Peebles accounts is reporting incorrectly as written off on your credit report. Please note, Bank records indicate the situation referenced in your complaint was already received with the complaint you submitted to the State of Delaware, Office of the State Bank Commissioner. This matter has been investigated and a response was previously issued on September 1, 2016, explaining our finds. We have enclosed a copy of our previous response for your records. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues Venus credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded to my attention for...
review, and I appreciate this opportunity to assist you. I understand your concerns regarding the delinquency reported to you credit bureau report for the months of August and September 2016. I also understand you are requesting to have your credit report updated due to not receiving your billing statement. The address on file is [redacted] and has been established on the account since May 13, 2016, when your account was opened. This address has been confirmed by the credit reporting agencies, as well as your complaint sent to the Revdex.com. We do not have record of mail ever being returned as undeliverable from the United States Postal Service. Bank records indicate a billing statement was issued on May 23, 2016, with a balance of $218.00, and a minimum payment of $27.00, due by June 18, 2016. A payment of $27.00 was received on June 22, 2016. Please be advised, the due date on your account is the 18th of every month. Additional billing statements were issued on June 22, 2016, July 23, 2016, and August 23, 2016; however, no payments were received by the specified due date. Enclosed please find copies of the billing statements for your records. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank finds no errors in its reporting of the Venus credit card account to the credit bureaus. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W[redacted], Compliance Dept. – Consumer Responses
Ipribnlem is uve been in cintact with themnon the phone. I havent gitten anywheres and I am asking that all late fees be removed from...
the last yr and to be and adt and compromiae I half would be sufficient I guess even though im not at fault. On all 3 accounts bealls outlet, bealls fl, and boscovs. Seco d again asked numeroust imes to have date move. I receive bills late and think ok they finally changed date but no its still same date but they are mailing thehe bills late to make it look good and make mone yoff the late fees. Im trying to compromise here but they just want to get on the phone and dok nothing. As an adult and to be professional one more try I guess. But wohats the point when they can just do whats roght from herw
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assistyou with account-related questions. Your complaint was forwarded to my attention, and...
I appreciatethe opportunity to respond to your concerns.We understand your concerns regarding the payment and the late fee to your VICTORIA’S SECRETaccount, we apologize for any frustration or inconvenience this matter may have caused you.After a thorough review of your account, our records indicate the payment due date on yourVICTORIA’S SECRET account is the 6th of every month. Please keep in mind, when payments arenot received, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee and finance charge, as explained in the Credit Card Agreement.Please be assured that Comenity Bank processes payments the date in which they are received; notthe date that is written on the date line of the check. Your payment of $80.00 was written out forNovember 6, 2016, and processed by Comenity Bank on November 11, 2016, per the enclosed copyof the check. As the payment was received after the payment due date, the account was assessed alate fee of $37.00. Additionally, the account number written on the bottom of the check was “lined” outand re-written at the top of the check, but did not hinder the processing of the payment.Although there are no Bank errors, in the interest of customer service, we issued credits totaling$37.13, for the previously assessed late fee and finance charge associated with the amount of the latefee. The credits will reflect on your December 2016 billing statement.We hope you find this information to be helpful. Should you have any further questions, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,Shawnda Y[redacted]
I have 4 pages of calls from Comenity showing that they still continued to call even after the Cease call from myself to them was made on 9//12/16 They continued to call all the way up to October 5th when the payment that WAS SCHEDULED thru Full Beauty website was made. So Comenity broke the Cease...
all calls request from myself and lied to the Revdex.com directly stating that no other calls were made. Please see the attached and the numerouse times a day that they called my house, NEVER leaving a message and just hanging up.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. But I shouldn't have to wait two billing cycles to get my $25 fee that they charged me back onto my account, as they had no problem within a matter of days putting it on there! So I find that a little silly,,but ok..I will check my statements, and hope that it does get refunded back.
Regards, [redacted]
Dear Jean S. M[redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you repeatedly called...
and asked for your pay off amount and for your credit card to be closed. The representative took your payment and confirmed the account was paid in full. However, the following three months you continued to receive a bill and each time you called you were told it was paid in full and closed. You now have paid $127.00 for your $30.00 jeans. You state there is a "late payment" on your perfect credit. You would like to get your $90.00 back. We have reviewed the concerns in your correspondence, and would like to provide you with the following information. Your original purchase was $59.32 on February 3, 2017. When no payment was made, the account was assessed a late fee, finance charge and an Account Assure fee. On May 5, 2017, you contacted the Bank and spoke with a Bank representative. You were advised a payment of $59.22 would satisfy your responsibility to the account, and were told the fees would be credited to remove the remaining balance. Unfortunately, proper adjustments were not made, which resulted in an additional billing statement being issued. You again contacted the Bank regarding the statement. You were told the balance of $9.01 would be removed from the account; however, it was not, and another billing statement was issued. You contacted the Bank and the representative removed the remaining balance. However, because proper account maintenance was not completed, a minimum finance charge of $1.00 was added to the account, along with a $0.01 Account Assure charge. A billing statement for $1.01 was issued and we received your payment of $1.01 on August 11, 2017. We apologize the account adjustments were not completed as promised. We are committed to providing the best customer service and are disappointed when this standard is not met. Please be assured management has been made aware of the situation so additional coaching can be provided to our associates. Please be advised we have accepted your payment of $59.22 as payment in full for your purchase of $59.32. A refund check of $1.01 has been issued to refund the payment the Bank received on August 11, 2017. This check should arrive in 7-10 business days in a separate mailing. Our records show your Avenue credit card account was closed on May 30, 2017, and reported to the national credit reporting agencies as “closed at customer’s request.” We have updated our records and have notified the credit reporting agencies to remove the delinquencies that were reported. This change should be reflected on your credit file within the next 45 business days. e hav e up date d o ur r eco rds a nd have notifi ed th e cr edit rep ortin g a gencie s of the c han ges t hat need to b e m ade to yo ur c redi t re por t. T his ch ang e sho uld b e r eflect ed o n yo ur c redit file withi n th e nex t 45 bu siness days. 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, Alyson F[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated February 2, 2018.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,Tionna M[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Jessica London® credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you ordered merchandise from Jessica London lastMarch. You received two credit cards, and you were confused as you only requested one card.You attempted to register both credit card numbers online to pay your bill, but it only acceptedone credit card, which you paid. You state you spoke with someone at Jessica London whoadvised that your balance, minus the fees, would be $21.50, which you have been trying to pay,but you state you have been refused. You are stating you will send a money order for $21.50.You want the remaining balance on the second account cleared, and your credit report updated.Please note Comenity Bank and Jessica London are two separate entities. The Bank issues andis responsible for addressing questions related to your credit card account. Jessica London isresponsible for handling matters related to sales, merchandise processing, returns and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandise. If merchandise is returned within 90 days, Jessica Londonwill refund the cost of the merchandise, but shipping and handling charges are not refundable. Ifyou use the Customer Return Label for your return, Jessica London will charge your account$7.50 when processing your return. Jessica London‘s return policy states:Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed ordefective merchandise may be returned within 90 days. We are happy to send you a new size,color or style or issue a refund for the purchase price (excluding shipping and handling charges).For returns made after 90 days, we will issue a gift card equal to the purchase price (less shippingand handling charges) that can be used toward a future purchase.Bank records indicate the Jessica London® account ending in 2538 was opened on March 8,2016, in the name of [redacted]. The last purchase of $84.95 was made on April 28,2016, and the last payment of $84.95 was received on June 6, 2016.The Jessica London® account ending in 9171 was opened on March 6, 2016, in the name of[redacted]. The last purchase of $51.98 was charged to the account on June 13, 2016,and the last payment of $21.50 was received on December 5, 2016. This account was apreapproval acceptance that was processed when you placed an order, which posted to youraccount on March 10, 2016. This account was closed, written off, and reported to the nationalcredit-reporting agencies as an unpaid debt of $282.35, on November 20, 2016.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement (CCA). I have enclosed copies of the billingstatements which show the account activity that comprised the balance on the accounts.After researching the accounts, the Bank finds the remaining balance on the account ending in[redacted] to be valid; as such, we respectfully decline your request to remove the balance.Comenity Bank is required by law to report factual data to the credit-reporting agencies with regardto account activity. At this time, Comenity Bank finds no errors in its reporting of your credit cardaccounts to the credit bureaus. Delinquent accounts typically will report for seven years from thedate the account first became delinquent.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear [redacted]:Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention,...
and I appreciate theopportunity to assist you.Your complaint states that your due date is on the 19th of each month and you have a direct withdrawalfrom your bank account; however, your payments are posted a day or two after the due date causing latefees to be assessed to your account. You are requesting that the late fees be waived. I understand yourconcerns and apologize for any inconvenience this may have caused.After reviewing your account, our records indicate that your due date is on the 19th of each month. Pleasebe advised that for the months of May 2015, July 2015, August 2015, October 2015, and November 2015,a late fee was assessed to your account because your payments were received after your due date.Although the Bank did not find any billing errors, in the interest of customer service, a total credit of$130.00 was previously issued to your account for the late fees that were assessed to your account forthe months of May 2015, July 2015, August 2015, and November 2015, and we are unwilling to issue anyadditional credits to your account.To avoid future late fees, you can schedule a payment online to be applied the same day as long as yousubmit the payment by 11:00 p.m. ET on your due date. If it is submitted after 11:00 p.m. ET, yourpayment will be applied the following business day. However, please be aware that you can alsoschedule your payment(s) 30 days in advance online.Additionally, payments can be sent by mail. If sending by mail, we encourage you to send the payment,along with the payment coupon, in the envelope that came with your billing statement. We recommendallowing a week for the payment to arrive.As of the date of this letter, the balance on your account is $15,281.22. Your next minimum payment of$891.00 is due on January 19, 2016.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. [redacted], (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with yourconcerns.Your correspondence indicates you have been receiving numerous calls a day...
from the Bank, and whenyou return the call, you are asked to verify personal information. You consider this harassment and requestthe calls to stop.This letter is for informational purposes to respond to your correspondence and is not an attempt to collecton this balance. We understand your concern with providing your personal information. To ensure weprotect customer privacy, we will not release account information unless we verify the customer’s identity.We apologize for any frustration; however, please be assured this practice is designed to keep yourpersonal information safe.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation, and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status.The calls you were receiving were attempts by the Bank to contact you to resolve this matter before theaccount was sold to another creditor. Your account was charged off on October 15, 2017, due tononpayment, and was sold to [redacted] Credit on October 27, 2017.Since the Bank no longer owns your Buckle account, you should not receive any additional phone callsfrom us regarding this account. If you have any additional questions regarding this account please contact[redacted] Credit at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11944358, and find the resolution is satisfactory to me. It is unfortunate [redacted] wasn't able to correct this when I first inquired. I found the CEO's office very helpful.
Regards,
[redacted]
Dear Ms. [redacted]Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Goody’s credit card accounts, we are here to assist with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, your Goody’s credit card account reflects a high balance of $235.00 on your credit bureau report. However, you have documented receipts confirming your Goody’s account was paid in full on December 31, 2015.Please be advised the Bank has reviewed the concerns in your complaint, and we are happy to share our findings with you.Bank records indicate the Goody’s account was opened on December 2, 2014. The last payment of $44.91, posted to the account on January 29, 2016, and the account has had a zero balance since that date.Please understand, the high balance shown on your credit bureau report is a reporting of the highest balance that has ever been owed on your account; it is a separate reporting from the current balance owed on the account. We apologize for the frustration or confusion this matter may have caused. Please be advised that Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank is accurately reporting your Goody’s credit card account with a zero balance, and finds no errors in its reporting to the credit bureaus.Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. That being that they remove all late charges and interest and take me out of the credit bureau and I make the 34.00 payment in July 10th and continue my credit with them if this is how I understood it
[redacted]
community bank was given false information. I was completely dissastified with the fact that they said I was satisfied and fully aware of terms and conditions, I am unable to access information via the web site,the fulfillment web page is invalid for details,
Regards, [redacted]
Dear Ms. [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account(s). Comenity Bank issues Victoria’s Secret Angel/PINK credit card accounts, and we are here to help answer 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 had a fraudulent charge of $190.00 applied to your account in December 2014. You filed a fraud claim and were to receive a form in the mail. You state that during the investigation you were asked to make payment. You also state that the account was reported late to the credit bureaus and you were charged multiple late fees. As you were upset with this matter, you paid the account in full and asked for the account to be closed. After getting notice that you were not responsible for the charge, you state that you requested a refund for paying the charge. However, you were advised that since you paid the amount, you assumed liability for the fraudulent charge and would not receive your money back. We have reviewed our records and we sincerely apologize for any frustration or inconvenience this matter has caused you. Bank records indicate that there were three attempts to send you the Statement of Fraud and Forgery (SOFF) when you filed the fraud claim on the $190.00 charge that was applied to your account on December 6, 2014. The account was noted that the SOFF was sent; however, until the SOFF is returned, an actual fraud case is not established. Additionally, as you had other charges totaling $115.81, you were still responsible to pay for those charges. Once the SOFF was received, the Bank’s Account Protection team opened a fraud case, case #[redacted], and [redacted] was the investigator assigned to the case. A fraud case can take up to 90 days for completion, during which time, the customer is not responsible to make payment for the fraudulent amount, and the credit bureau is notified of the pending dispute case. On April 9, 2015, Account Protection finalized the fraud case and concluded that you were not responsible for the charge. As such, the account was closed as a “Fraud Write-Off”, and a new Victoria’s Secret Angel account was established for you. Additionally, you were sent a confirmation letter, dated, April 10, 2015. As you did not make a payment towards the owed balance, less the fraud charge, your account was charged a late fee and finance charge. However, your account was not reported delinquent during this time. In the interest of customer service, we issued credits totaling $32.17, to refund the previous fees assessed. Also, as the Bank concluded you were not responsible for the charge, we have requested you be sent a refund. The refund amount which includes credit of the bank fees totals $222.17. You will receive the refund separately by check in 7-10 days. Please be assured that both accounts referenced above are closed and no further purchases can be made to the accounts. If you wish to reapply in the future, you can do so at the store, or you may apply online. Again, we apologize for any inconvenience this matter may have caused you, and we hope this information is helpful. Should you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
I have reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Chadwicks® credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respondto...
your concerns.We understand from your complaint that Comenity Bank processed an inquiry to your creditbureau report on February 11, 2015. You state you have never done business with our company,and you would like this account removed from your credit bureau report.In the interest of customer service, Comenity Bank will honor your request to remove the accountfrom your credit-reporting history. Notification was sent to the national credit-reporting agencieswith instructions to delete the Chadwicks® account, in its entirety, from your credit report. Pleaseallow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you lost your job near the end of November and you contacted the Bank and enrolled in a plan that would cover you should this happen. You indicate that you tried to pay and you are receiving calls 6-8 times a day. You state that you were offered a Hardship program of $10.00 on February 18, 2016. You also state that you made the payments for 6 months and later received a letter stating you still owed the Bank money. You are requesting the Bank not contact you again regarding these charges, you want your credit file to show a positive reporting, and the account to be credited of the balance. Please be assured that “do not call” has been placed on the telephone number ending in [redacted] The calls should have stopped by now. After a thorough review of the account, our records indicate that you enrolled in our Hardship program on February 23, 2016. What this means is for 12 months, the annual percentage rate would be reduced to 10%, the late fees would be suspended while enrolled in the program, and your payment would be reduced to 2% of your balance or $10.00, whichever is greater. Additionally, if these terms are not met the account would revert back to the original terms disclosed in the Credit Card Agreement. On August 23, 2016, a letter was sent to you advising you that in addition to the special terms while in this program, if you failed to make two consecutive minimum payments in a timely manner or were late on any three payments by the payment due date, your account would revert to the original terms. As the terms were not met, you did not successfully complete the Hardship Program and the account was reverted back to the original terms as disclosed in your Credit Card Agreement. Enclosed is a copy of this letter for your records. As of the date of this letter, the balance on the account is $391.03 with a minimum payment of $45.00 due on October 16, 2016, and the account is two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the credit-reporting agencies as an unpaid debt. The Bank find this balance to be valid. Please be advised, if you would like to discuss or set up suitable payment arrangements, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####). We have verified we are reporting the account correctly to the credit-reporting agencies. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity. 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 about your account, please contact our Payment Solutions team at the telephone number provided. The will be happy to assist you. Sincerely, Renee S[redacted]
Dear Ms. [redacted]: We received your additional inquiry in reference to the above mentioned credit card account. As the bank that issues Peebles credit card accounts, we are here to assist with all account-related concerns. Your correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from the correspondence, you previously requested validation of debt for the account, and you believe your Peebles accounts is reporting incorrectly as written off on your credit report. Please note, Bank records indicate the situation referenced in your complaint was already received with the complaint you submitted to the State of Delaware, Office of the State Bank Commissioner. This matter has been investigated and a response was previously issued on September 1, 2016, explaining our finds. We have enclosed a copy of our previous response for your records. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues Venus credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded to my attention for...
review, and I appreciate this opportunity to assist you. I understand your concerns regarding the delinquency reported to you credit bureau report for the months of August and September 2016. I also understand you are requesting to have your credit report updated due to not receiving your billing statement. The address on file is [redacted] and has been established on the account since May 13, 2016, when your account was opened. This address has been confirmed by the credit reporting agencies, as well as your complaint sent to the Revdex.com. We do not have record of mail ever being returned as undeliverable from the United States Postal Service. Bank records indicate a billing statement was issued on May 23, 2016, with a balance of $218.00, and a minimum payment of $27.00, due by June 18, 2016. A payment of $27.00 was received on June 22, 2016. Please be advised, the due date on your account is the 18th of every month. Additional billing statements were issued on June 22, 2016, July 23, 2016, and August 23, 2016; however, no payments were received by the specified due date. Enclosed please find copies of the billing statements for your records. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank finds no errors in its reporting of the Venus credit card account to the credit bureaus. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W[redacted], Compliance Dept. – Consumer Responses
Ipribnlem is uve been in cintact with themnon the phone. I havent gitten anywheres and I am asking that all late fees be removed from...
the last yr and to be and adt and compromiae I half would be sufficient I guess even though im not at fault. On all 3 accounts bealls outlet, bealls fl, and boscovs. Seco d again asked numeroust imes to have date move. I receive bills late and think ok they finally changed date but no its still same date but they are mailing thehe bills late to make it look good and make mone yoff the late fees. Im trying to compromise here but they just want to get on the phone and dok nothing. As an adult and to be professional one more try I guess. But wohats the point when they can just do whats roght from herw
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assistyou with account-related questions. Your complaint was forwarded to my attention, and...
I appreciatethe opportunity to respond to your concerns.We understand your concerns regarding the payment and the late fee to your VICTORIA’S SECRETaccount, we apologize for any frustration or inconvenience this matter may have caused you.After a thorough review of your account, our records indicate the payment due date on yourVICTORIA’S SECRET account is the 6th of every month. Please keep in mind, when payments arenot received, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee and finance charge, as explained in the Credit Card Agreement.Please be assured that Comenity Bank processes payments the date in which they are received; notthe date that is written on the date line of the check. Your payment of $80.00 was written out forNovember 6, 2016, and processed by Comenity Bank on November 11, 2016, per the enclosed copyof the check. As the payment was received after the payment due date, the account was assessed alate fee of $37.00. Additionally, the account number written on the bottom of the check was “lined” outand re-written at the top of the check, but did not hinder the processing of the payment.Although there are no Bank errors, in the interest of customer service, we issued credits totaling$37.13, for the previously assessed late fee and finance charge associated with the amount of the latefee. The credits will reflect on your December 2016 billing statement.We hope you find this information to be helpful. Should you have any further questions, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,Shawnda Y[redacted]
I have 4 pages of calls from Comenity showing that they still continued to call even after the Cease call from myself to them was made on 9//12/16 They continued to call all the way up to October 5th when the payment that WAS SCHEDULED thru Full Beauty website was made. So Comenity broke the Cease...
all calls request from myself and lied to the Revdex.com directly stating that no other calls were made. Please see the attached and the numerouse times a day that they called my house, NEVER leaving a message and just hanging up.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. But I shouldn't have to wait two billing cycles to get my $25 fee that they charged me back onto my account, as they had no problem within a matter of days putting it on there! So I find that a little silly,,but ok..I will check my statements, and hope that it does get refunded back.
Regards, [redacted]
Dear Jean S. M[redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you repeatedly called...
and asked for your pay off amount and for your credit card to be closed. The representative took your payment and confirmed the account was paid in full. However, the following three months you continued to receive a bill and each time you called you were told it was paid in full and closed. You now have paid $127.00 for your $30.00 jeans. You state there is a "late payment" on your perfect credit. You would like to get your $90.00 back. We have reviewed the concerns in your correspondence, and would like to provide you with the following information. Your original purchase was $59.32 on February 3, 2017. When no payment was made, the account was assessed a late fee, finance charge and an Account Assure fee. On May 5, 2017, you contacted the Bank and spoke with a Bank representative. You were advised a payment of $59.22 would satisfy your responsibility to the account, and were told the fees would be credited to remove the remaining balance. Unfortunately, proper adjustments were not made, which resulted in an additional billing statement being issued. You again contacted the Bank regarding the statement. You were told the balance of $9.01 would be removed from the account; however, it was not, and another billing statement was issued. You contacted the Bank and the representative removed the remaining balance. However, because proper account maintenance was not completed, a minimum finance charge of $1.00 was added to the account, along with a $0.01 Account Assure charge. A billing statement for $1.01 was issued and we received your payment of $1.01 on August 11, 2017. We apologize the account adjustments were not completed as promised. We are committed to providing the best customer service and are disappointed when this standard is not met. Please be assured management has been made aware of the situation so additional coaching can be provided to our associates. Please be advised we have accepted your payment of $59.22 as payment in full for your purchase of $59.32. A refund check of $1.01 has been issued to refund the payment the Bank received on August 11, 2017. This check should arrive in 7-10 business days in a separate mailing. Our records show your Avenue credit card account was closed on May 30, 2017, and reported to the national credit reporting agencies as “closed at customer’s request.” We have updated our records and have notified the credit reporting agencies to remove the delinquencies that were reported. This change should be reflected on your credit file within the next 45 business days. e hav e up date d o ur r eco rds a nd have notifi ed th e cr edit rep ortin g a gencie s of the c han ges t hat need to b e m ade to yo ur c redi t re por t. T his ch ang e sho uld b e r eflect ed o n yo ur c redit file withi n th e nex t 45 bu siness days. 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, Alyson F[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated February 2, 2018.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,Tionna M[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com
no resolution was gives and I'm still dissatisfied with the out and the Finacial institution not considering my medical issues.
Regards, [redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Jessica London® credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you ordered merchandise from Jessica London lastMarch. You received two credit cards, and you were confused as you only requested one card.You attempted to register both credit card numbers online to pay your bill, but it only acceptedone credit card, which you paid. You state you spoke with someone at Jessica London whoadvised that your balance, minus the fees, would be $21.50, which you have been trying to pay,but you state you have been refused. You are stating you will send a money order for $21.50.You want the remaining balance on the second account cleared, and your credit report updated.Please note Comenity Bank and Jessica London are two separate entities. The Bank issues andis responsible for addressing questions related to your credit card account. Jessica London isresponsible for handling matters related to sales, merchandise processing, returns and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandise. If merchandise is returned within 90 days, Jessica Londonwill refund the cost of the merchandise, but shipping and handling charges are not refundable. Ifyou use the Customer Return Label for your return, Jessica London will charge your account$7.50 when processing your return. Jessica London‘s return policy states:Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed ordefective merchandise may be returned within 90 days. We are happy to send you a new size,color or style or issue a refund for the purchase price (excluding shipping and handling charges).For returns made after 90 days, we will issue a gift card equal to the purchase price (less shippingand handling charges) that can be used toward a future purchase.Bank records indicate the Jessica London® account ending in 2538 was opened on March 8,2016, in the name of [redacted]. The last purchase of $84.95 was made on April 28,2016, and the last payment of $84.95 was received on June 6, 2016.The Jessica London® account ending in 9171 was opened on March 6, 2016, in the name of[redacted]. The last purchase of $51.98 was charged to the account on June 13, 2016,and the last payment of $21.50 was received on December 5, 2016. This account was apreapproval acceptance that was processed when you placed an order, which posted to youraccount on March 10, 2016. This account was closed, written off, and reported to the nationalcredit-reporting agencies as an unpaid debt of $282.35, on November 20, 2016.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement (CCA). I have enclosed copies of the billingstatements which show the account activity that comprised the balance on the accounts.After researching the accounts, the Bank finds the remaining balance on the account ending in[redacted] to be valid; as such, we respectfully decline your request to remove the balance.Comenity Bank is required by law to report factual data to the credit-reporting agencies with regardto account activity. At this time, Comenity Bank finds no errors in its reporting of your credit cardaccounts to the credit bureaus. Delinquent accounts typically will report for seven years from thedate the account first became delinquent.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear [redacted]:Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention,...
and I appreciate theopportunity to assist you.Your complaint states that your due date is on the 19th of each month and you have a direct withdrawalfrom your bank account; however, your payments are posted a day or two after the due date causing latefees to be assessed to your account. You are requesting that the late fees be waived. I understand yourconcerns and apologize for any inconvenience this may have caused.After reviewing your account, our records indicate that your due date is on the 19th of each month. Pleasebe advised that for the months of May 2015, July 2015, August 2015, October 2015, and November 2015,a late fee was assessed to your account because your payments were received after your due date.Although the Bank did not find any billing errors, in the interest of customer service, a total credit of$130.00 was previously issued to your account for the late fees that were assessed to your account forthe months of May 2015, July 2015, August 2015, and November 2015, and we are unwilling to issue anyadditional credits to your account.To avoid future late fees, you can schedule a payment online to be applied the same day as long as yousubmit the payment by 11:00 p.m. ET on your due date. If it is submitted after 11:00 p.m. ET, yourpayment will be applied the following business day. However, please be aware that you can alsoschedule your payment(s) 30 days in advance online.Additionally, payments can be sent by mail. If sending by mail, we encourage you to send the payment,along with the payment coupon, in the envelope that came with your billing statement. We recommendallowing a week for the payment to arrive.As of the date of this letter, the balance on your account is $15,281.22. Your next minimum payment of$891.00 is due on January 19, 2016.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. [redacted], (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with yourconcerns.Your correspondence indicates you have been receiving numerous calls a day...
from the Bank, and whenyou return the call, you are asked to verify personal information. You consider this harassment and requestthe calls to stop.This letter is for informational purposes to respond to your correspondence and is not an attempt to collecton this balance. We understand your concern with providing your personal information. To ensure weprotect customer privacy, we will not release account information unless we verify the customer’s identity.We apologize for any frustration; however, please be assured this practice is designed to keep yourpersonal information safe.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation, and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status.The calls you were receiving were attempts by the Bank to contact you to resolve this matter before theaccount was sold to another creditor. Your account was charged off on October 15, 2017, due tononpayment, and was sold to [redacted] Credit on October 27, 2017.Since the Bank no longer owns your Buckle account, you should not receive any additional phone callsfrom us regarding this account. If you have any additional questions regarding this account please contact[redacted] Credit at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11944358, and find the resolution is satisfactory to me. It is unfortunate [redacted] wasn't able to correct this when I first inquired. I found the CEO's office very helpful.
Regards,
[redacted]
Dear Ms. [redacted]Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Goody’s credit card accounts, we are here to assist with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, your Goody’s credit card account reflects a high balance of $235.00 on your credit bureau report. However, you have documented receipts confirming your Goody’s account was paid in full on December 31, 2015.Please be advised the Bank has reviewed the concerns in your complaint, and we are happy to share our findings with you.Bank records indicate the Goody’s account was opened on December 2, 2014. The last payment of $44.91, posted to the account on January 29, 2016, and the account has had a zero balance since that date.Please understand, the high balance shown on your credit bureau report is a reporting of the highest balance that has ever been owed on your account; it is a separate reporting from the current balance owed on the account. We apologize for the frustration or confusion this matter may have caused. Please be advised that Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank is accurately reporting your Goody’s credit card account with a zero balance, and finds no errors in its reporting to the credit bureaus.Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. That being that they remove all late charges and interest and take me out of the credit bureau and I make the 34.00 payment in July 10th and continue my credit with them if this is how I understood it
[redacted]
community bank was given false information. I was completely dissastified with the fact that they said I was satisfied and fully aware of terms and conditions, I am unable to access information via the web site,the fulfillment web page is invalid for details,
Regards, [redacted]
Dear Ms. [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account(s). Comenity Bank issues Victoria’s Secret Angel/PINK credit card accounts, and we are here to help answer 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 had a fraudulent charge of $190.00 applied to your account in December 2014. You filed a fraud claim and were to receive a form in the mail. You state that during the investigation you were asked to make payment. You also state that the account was reported late to the credit bureaus and you were charged multiple late fees. As you were upset with this matter, you paid the account in full and asked for the account to be closed. After getting notice that you were not responsible for the charge, you state that you requested a refund for paying the charge. However, you were advised that since you paid the amount, you assumed liability for the fraudulent charge and would not receive your money back. We have reviewed our records and we sincerely apologize for any frustration or inconvenience this matter has caused you. Bank records indicate that there were three attempts to send you the Statement of Fraud and Forgery (SOFF) when you filed the fraud claim on the $190.00 charge that was applied to your account on December 6, 2014. The account was noted that the SOFF was sent; however, until the SOFF is returned, an actual fraud case is not established. Additionally, as you had other charges totaling $115.81, you were still responsible to pay for those charges. Once the SOFF was received, the Bank’s Account Protection team opened a fraud case, case #[redacted], and [redacted] was the investigator assigned to the case. A fraud case can take up to 90 days for completion, during which time, the customer is not responsible to make payment for the fraudulent amount, and the credit bureau is notified of the pending dispute case. On April 9, 2015, Account Protection finalized the fraud case and concluded that you were not responsible for the charge. As such, the account was closed as a “Fraud Write-Off”, and a new Victoria’s Secret Angel account was established for you. Additionally, you were sent a confirmation letter, dated, April 10, 2015. As you did not make a payment towards the owed balance, less the fraud charge, your account was charged a late fee and finance charge. However, your account was not reported delinquent during this time. In the interest of customer service, we issued credits totaling $32.17, to refund the previous fees assessed. Also, as the Bank concluded you were not responsible for the charge, we have requested you be sent a refund. The refund amount which includes credit of the bank fees totals $222.17. You will receive the refund separately by check in 7-10 days. Please be assured that both accounts referenced above are closed and no further purchases can be made to the accounts. If you wish to reapply in the future, you can do so at the store, or you may apply online. Again, we apologize for any inconvenience this matter may have caused you, and we hope this information is helpful. Should you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist