Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband 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 Revdex.com regarding this same matter. Please find enclosed a copy of our response dated July 13, 2017. As stated in the previous response the Bank has confirmation from [redacted] that the refund was completed on May 21, 2015, Please contact [redacted] at the telephone number located on the back of the credit card for assistance in this matter. 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] Renee S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
RE: Eddie Bauer Credit Card Account Revdex.com Complaint ID #[redacted] Dear [redacted]: Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this...
matter. Unfortunately, we are unable to locate the account you are referencing in your correspondence based on the information provided. In order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. THANK YOU SO VERY MUCH Renee S[redacted] for your detailed response. I am confident that you will handle this. Again, THANK YOU!!!!!
Regards, [redacted] And [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Talbots credit card. We are here to answer your questions and assist with your concerns. You state you made a charge on your Talbots...
card in December of 2016. You further state when you spoke with a Talbots representative, you were advised that you had two accounts; as such, you closed out one of the accounts. When you received your statement, you accidentally made your electronic payment to the closed account. Although you were told this matter was going to be taken care of when you spoke with representatives of the Bank, the problem has not been rectified. You continued to receive statements with assessed interest and penalties, and you have been called numerous times by the Bank regarding the balance. You are requesting to have the calls stopped, your credit fixed, and your account adjusted. You are also requesting to be called and notified that you owe no money. We sincerely apologize for any frustration or inconvenience this matter may have caused you. I have reviewed your accounts, and I am happy to share my findings. Our records indicate the Talbots account ending in [redacted] was opened on November 19, 2011. On March 12, 2014, the account was closed, at your request. Our records indicate the Talbots account ending in [redacted] opened on August 27, 2014. On November 21, 2016, a billing statement was issued reflecting a balance of $175.30 and a minimum payment of $27.00 due by December 17, 2016. On December 16, 2016, a payment of $175.30 posted to the Talbots account ending in [redacted]. Thank you for speaking with me on April 13, 2017. As a follow up to our conversation, please be advised, we have transferred the payment of $175.30 from the Talbots account ending in [redacted] to the Talbots account ending in [redacted]. Also, in the interest of customer service, the Bank has issued credits totaling $17.89 to the Talbots account ending in [redacted], to remove the previously assessed late fees and finance charges. Please be assured, on April 13, 2017, the Talbots account ending in [redacted] was closed, at your request. The account balance, as of today’s date, is zero. Notification was sent to the credit reporting-agencies, regarding the Talbots account ending in [redacted], to remove the negative payment information. This update should appear on your credit file within the next 45 calendar days. Based upon your complaint, the Bank reviewed the applicable phone conversations and billing disputes. Matters of this nature are referred to management so additional coaching/training can be provided to our associates. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. 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, Laura R[redacted]
when I originally called Avenue about the issue with the credit card I was told that the account closed which is why I put absolutely no thought into the account until I received a statement last week, the first statement that I've received in over a year. I am not willing to pay a company over 370 in charges when my original was 120ish and paid off in full. I will continue to fight this and don't accept your suggestion of hardship plans I don't owe 370 in late fees.
Regards,[redacted]
Dear Ms. [redacted]:We received your complaint, addressed to the Revdex.com. regarding me account referencedabove. Comenity Bank issues Full Beauty credit card accounts, and we are here to assist you with allaccount-related questions or concerns. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you are disputing two charges on your Full Beauty account.You state that, even though your account was closed in August 2015, two orders have been processed tothe account, that are not your own. You further state Full Beauty refuses to communicate with you viatheir secure message center, and you do not want to speak on the telephone as you would have no wayto document the call. You would like the charges removed from your account.Please find the detailed account history below. I have enclosed a capy of the billing statements whichshow the account activity that comprised the account balance.Please understand that Comenity Bank and Full Beauty are two separate entities. Comenity Bank isresponsible for addressing questions related to Full Beauty credit card accounts, while Full Beauty isresponsible for handling matters related In sales, merchandise processing, returns, shipping, andmerchandise quality.Please also understand that BrylaneHomeO. Jessica London@, KingSie@, Roaman's@, Full Beauty, andWoman Withim allow cross shopping. This means that items ordered from one retailer may be dargedto any of the listed credit cards. For instance, a Woman Within catalog purchase may be charged to theFull Beauty credit card account and vice versa.I have spoken to Full Beauty on your behalf, and they verified your order details. Your charges wereprocessed on a 90-day deferred payment plan. Itemspurchased on a deferred billing plan are not addedto your credit card account balance until the prnmotional time period is complete. Deferred purchasesthat are returned during the deferment period will have he charge and credit processed at the time ofreturn, which may result in charges to your credit card prior to the expiration of the 90 day deferment.Catalog Clistomer Senrice was not contacted prior to the 85'"ay following the shipment of your purchaseto provide an alternate payment method. Therefore, your purchases were charged to the Full Beautyaccount which was provided when you submitted your orders. Comenity Bank will allow deferredpurchases to be charged to a closed account, as long as the purchases were made prior to date theaccount was closed.Our research shows these are Me following transactions that were posted to your Full Beauty account:I have reviewed your account as well as the applicable billing statements, and the Bank is able to confirmthat the charges applied to your credit card account correspond with the catalog's order infomlation.You are a valued customer, and w sincerery apologize for any frustration and inwnvenience this mattermay have caused you. Should you have any further questions or concerns, please do not hesitate tocontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,Amanda R[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted]. In spite of the extensive length of time it took to get an answer, and the fact that they suggest I return to the store of purchase for more info (they could not provide any insight and directed me to Customer Service in the first place), I am relieved to finally have an answer. [redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Little Switzerland 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 you have concerns regarding the $25.00 late fee assessed to the account on September 28, 2015. The subsequent finance charges that were assessed in the amount of $2.00; and that you would like the fees removed. I apologize for any inconvenience this matter may have caused you. Our records indicate that on September 2, 2015, a billing statement was issued with a payment of $66.00 due by September 28, 2015. As no payment was received, a late fee of $25.00 was assessed to your account, in accordance with the Credit Card Agreement (CCA). A copy of the CCA is enclosed for your review. Our records further indicate that your payment of $600.00 was scheduled on September 30, 2015, after the billing statement due date. In the interest of customer service, we have removed the late fee of $25.00 and the finance charges in the amount of $2.00. Please be advised that any additional fees assessed to the account would be applied to the revolving balance and will be subject to finance charges. 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-[redacted], ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you.
Now they are telling me I still owe them 12.50 when I spoke to them on the phone and payed the balance off with all the fees on 10/5 for the amount of 150.39 and double checked with my bank the amount went through on October 6 for 150.39. I do now owe anything else I spoke to a manager on 10/5 and payed off my card and was told my account would be closed. So even after I complained about all these extra fees they were charging me for my 110.00 bill that I got an original email saying it was payed but, my account number was off they are still looking for me no thanks Ive page 40.39 over my original 110 and will never shop Victorias secret again because of the way they treated me. My account should be closed with them I will be checking today if not I will call and speak to there manager again.
Regards,
Barbara G[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Limited 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 did not receive your billing statements for the months of October 2013, November 2013 and December 2013. You are requesting that the negative payment information be removed from your credit report. I am happy to share my findings with you. Please be assured that Comenity Bank has submitted a request to remove the negative credit reporting for the months of October 2014, November 2014 and December 2014. Please allow up to 45 days for the credit-reporting agencies to update their records. We value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, 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. Your complaint states that you paid the account in full under the agreement of a settlement, and the account or negative entries were to be removed from your credit file. You are requesting a confirmation letter of removal or deletion, and if not, you plan on taking legal action. After reviewing your account information with the Bank and at the credit bureaus, here is what we have noted. • The last purchase of $34.56 was charged to your account on June 7, 2012. • The last billing statement, issued on December 25, 2012, reflected a balance of $245.06. • The last payment on your account was in the amount of $0.00. • The account wrote-off due to non-payment on January 25, 2013, with a write-off balance of $250.31. • The Bank then sold the account to Portfolio Recovery on May 21, 2014. When an account is sold to another entity, the outstanding balance on the credit bureau reporting from the former creditor becomes zero. Since your account was sold, your credit report reflects a zero balance owed to Comenity Bank as of the date of the account transfer. Your account will continue to show that it was “charged-off” even after the balance is adjusted to $0.00 since this reflects that the account balance was not paid to the Bank. Also, the date an account is sold does not affect the length of time for which the debt is reported to the credit reporting agencies. Delinquent account typically will report for seven years from the date the account first became delinquent (not from the date of sale or date of last activity). Please be advised that Comenity Bank has no record of you settling the account balance prior to the account being transferred to Portfolio Recovery. If you believe that you settled the account balance with Comenity Bank prior to the transfer, we would need documentation from you, which can be mailed to my attention to the address listed above, or faxed to my attention at ###-###-####. If your settlement of the account was with Portfolio Recovery, we encourage you to contact them directly at ###-###-####, to discuss the information that is being reported to your credit file. We hope this information is helpful. If you have further questions or concerns regarding the account, please contact Portfolio Recovery at the number provided. Sincerely, Shawnda Y[redacted] [redacted]
Dear Mr. [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...
appreciate the opportunity to assist you.I understand from your complaint, that you are receiving numerous calls from Comenity Bank inreference to your Lane Bryant Retail credit card account. You state that you have retainedChristian Debt Counseling service, who is issuing monthly payment installments to ComenityBank, and you are requesting that Comenity Bank stop calling you. We apologize for anyfrustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank has reviewed your account, and Bank records do notindicate that this account is being managed by a debt counseling company. If you would like toenroll your account in our debt management program, please contact them at:Comenity BankPO Box 1 82 1 24Columbus, OH 43218-2124###-###-####The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program. Thisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account current. If you are interested in obtaining information on whether you qualifyfor this program, please call ###-###-#### (TDD/TTY ###-###-####).Regarding the phone calls you have been receiving; please be advised that when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regardingthe status of the account. Many times a payment is overlooked by the customer, and areminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent, Cornenity Bank may call youuntil our attempt to communicate is successful.Please be advised that we have updated our records so you will no longer receive calls at thetelephone numbers ending in [redacted] and [redacted]I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact either of the phone numbers listed above. They will be happyto assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Ms. [redacted]We received your complaint sent to the Revdex.com regarding the above-referencedaccount. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here tohelp answer your account-related questions. Your complaint, was forwarded to my attention, andI...
appreciate the opportunity to assist you.Your complaint states that the Bank never sent you a billing statement and you were not awareof a balance on the account. As soon as you became aware, you made a payment in full and thelate fee was removed; however, the negative information was not removed from your credit file.You are asking the Bank to remove the negative information from your credit profile.Bank records indicate that you were sent billing statements to the address noted above, and wehave no record that these statements were returned by the post office. As a result of two missedpayment due dates; October 12 and November 12, 2015, the account was reported 30 daysdelinquent to the credit bureaus. Enclosed are copies of the billing statements for your records.Although we find this information to be valid, as a one-time courtesy, we have updated our recordsand have notified the credit-reporting agencies of the changes that need to be made to your creditreport. This change should be reflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. If youhave any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely, Shawnda Y[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the...
Bank regardingthis same matter. Please find enclosed a copy of our response sent to you on March 21, 2017.Please be advised that Bon-Ton would need to assist you with filing a claim through the UnitedStates Postal Service and/or FedEx, for the missing order.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that on October 18, 2016,...
you made a purchase of $240.10 and you noticed that you were billed twice for the same amount. You state that you have had multiple interactions with Torrid and Torrid.com without success, and you have been advised to contact Comenity Bank. You state you are now receiving phone calls regarding a balance you do not owe. You would like for the duplicate charge to be investigated. We apologize for the inconvenience you have experienced regarding this matter. We have contacted Torrid, on your behalf, regarding duplicate charge of $240.10. Please be advised that credit for $240.10 has been issued to your account for the duplicate charge. In addition, the previously assessed late fees and interest charges in the amount of $94.59 have been removed from your account. Please be advised that the Bank will no longer contact you regarding the status of your Torrid account, as the balance on your account is now zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Woman Within credit card. We are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.comregarding this matter. Please be advised that we respond to complaints on behalf of thePresident’s office. As previously stated, all disputes would need to be put in writing, as there isnot an email address or fax number available. Please find enclosed a copy of our response sentto you on April 21, 2017.I hope you found this information to be helpful. If you have any questions or concerns, please feelfree to contact me at (800) 820-8932.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosures
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. So long as its reported and corrected with the 3 bureaus within the time specified (45 days)
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues your fullbeauty® credit card account, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your...
concerns.We understand from your complaint that you paid off your account in 2015. You were charged a clubmembership fee that you never ordered plus minimum charges and late fees. You have attempted toresolve this with Comenity Bank. You are requesting a refund of $23.00.We have contacted fullbeauty on your behalf and their records indicate that you enrolled in the ShopperClub Membership during an online purchase June 23, 2013. The membership automatically renews perthe terms and conditions the customer’s agree to when subscribing to the membership.Additionally, we have contacted fullbeauty on your behalf and they have assured us that as of September23, 2016, your membership has been canceled, and a credit of $19.00 was processed to your account onSeptember 28, 2016.On October 28, 2016, credits totaling $23.00 were issued for the Bank fees assessed to the account. Asof the date of this letter, your account is closed and you have a credit balance of $23.00. We have requesteda refund be sent, that you should receive in 14 days, under separate cover.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau report. Please allow them 45 days toupdate their records.We sincerely apologize for the frustration and inconvenience this matter may have caused you. Shouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Amanda R[redacted]
Dear Ms. [redacted]:Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity...
to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your account. You state that you have been paying $300.00 a month andyou were surprised to see that you had two late fees added to your account. You are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every month. Your ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing period. Please be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is received. A latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagencies. On December 15, 2016, a late fee in the amount of $35.00 was credited to youraccount. In the interest of customer service, the additional late fees totaling $60.00 have beencredited to your account.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Thank you for contacting the Revdex.com regarding the above-referenced account. As the bank that issues Victoria’s Secret Angel credit card accounts, we are here to assist you with your account-related questions. Your...
correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.
I understand from your complaint that your personal information was used to open the above account without your permission and you would like them stopped.
We understand your concerns outlined in the Revdex.com complaint and apologize for any inconvenience this may have caused you. We understand the frustration and burden this places on our customers.
After a thorough review of the account, our records indicate the above-referenced account was opened on April 7, 2015, by a mobile device. At this time, the application would have asked for your personal information, including social security number and date of birth, along with your electronic permission to process the application.
Further records indicate a purchase for $192.23 was charged to the account on April 7, 2015, at the Bath & Body Works store, located in the [redacted]
On April 20, 2015, our Account Protection (Fraud) team spoke to you regarding the account and mailed out a Statement of Fraud and Forgery (SOFF). Once you have received the SOFF, please ensure you fill out all the information possible and send back to the address listed on the SOFF. Once our Account Protection team receives and processes the SOFF, a fraud investigation will be opened. We will send you a letter to provide you with the case number, and another letter will be mailed at the conclusion of the investigation, which may take 60-90 days.
Meanwhile, should you have any additional questions regarding this account, you may contact Account Protection (Fraud) at ###-###-####. They will be happy to assist you with any questions you may have.
Also, we suggest that you contact the national credit-reporting agencies using the information below and place a fraud alert on your credit report. While we are not able to stop someone from using your information, a fraud alert can prevent unauthorized applications from being approved.
xperian (TRW)
TransUnion (TRU)
Equifax (CBI)
PO Box 2002701 Experian ParkwayAllen, TX 75013 - 0036 ###-###-####
PO Box 390Springfield, PA 19064 - 0390 ###-###-####
PO Box 740241Atlanta, GA 30374 - 0241###-###-####
http://www.experian.com
http://www.transunion.com
http://www.equifax.com
We hope you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); and I will be happy to assist you further.
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband 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 Revdex.com regarding this same matter. Please find enclosed a copy of our response dated July 13, 2017. As stated in the previous response the Bank has confirmation from [redacted] that the refund was completed on May 21, 2015, Please contact [redacted] at the telephone number located on the back of the credit card for assistance in this matter. 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] Renee S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
RE: Eddie Bauer Credit Card Account Revdex.com Complaint ID #[redacted] Dear [redacted]: Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this...
matter. Unfortunately, we are unable to locate the account you are referencing in your correspondence based on the information provided. In order to investigate your concerns, please provide your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. THANK YOU SO VERY MUCH Renee S[redacted] for your detailed response. I am confident that you will handle this. Again, THANK YOU!!!!!
Regards, [redacted] And [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Talbots credit card. We are here to answer your questions and assist with your concerns. You state you made a charge on your Talbots...
card in December of 2016. You further state when you spoke with a Talbots representative, you were advised that you had two accounts; as such, you closed out one of the accounts. When you received your statement, you accidentally made your electronic payment to the closed account. Although you were told this matter was going to be taken care of when you spoke with representatives of the Bank, the problem has not been rectified. You continued to receive statements with assessed interest and penalties, and you have been called numerous times by the Bank regarding the balance. You are requesting to have the calls stopped, your credit fixed, and your account adjusted. You are also requesting to be called and notified that you owe no money. We sincerely apologize for any frustration or inconvenience this matter may have caused you. I have reviewed your accounts, and I am happy to share my findings. Our records indicate the Talbots account ending in [redacted] was opened on November 19, 2011. On March 12, 2014, the account was closed, at your request. Our records indicate the Talbots account ending in [redacted] opened on August 27, 2014. On November 21, 2016, a billing statement was issued reflecting a balance of $175.30 and a minimum payment of $27.00 due by December 17, 2016. On December 16, 2016, a payment of $175.30 posted to the Talbots account ending in [redacted]. Thank you for speaking with me on April 13, 2017. As a follow up to our conversation, please be advised, we have transferred the payment of $175.30 from the Talbots account ending in [redacted] to the Talbots account ending in [redacted]. Also, in the interest of customer service, the Bank has issued credits totaling $17.89 to the Talbots account ending in [redacted], to remove the previously assessed late fees and finance charges. Please be assured, on April 13, 2017, the Talbots account ending in [redacted] was closed, at your request. The account balance, as of today’s date, is zero. Notification was sent to the credit reporting-agencies, regarding the Talbots account ending in [redacted], to remove the negative payment information. This update should appear on your credit file within the next 45 calendar days. Based upon your complaint, the Bank reviewed the applicable phone conversations and billing disputes. Matters of this nature are referred to management so additional coaching/training can be provided to our associates. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. 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, Laura R[redacted]
when I originally called Avenue about the issue with the credit card I was told that the account closed which is why I put absolutely no thought into the account until I received a statement last week, the first statement that I've received in over a year. I am not willing to pay a company over 370 in charges when my original was 120ish and paid off in full. I will continue to fight this and don't accept your suggestion of hardship plans I don't owe 370 in late fees.
Regards,[redacted]
Dear Ms. [redacted]:We received your complaint, addressed to the Revdex.com. regarding me account referencedabove. Comenity Bank issues Full Beauty credit card accounts, and we are here to assist you with allaccount-related questions or concerns. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you are disputing two charges on your Full Beauty account.You state that, even though your account was closed in August 2015, two orders have been processed tothe account, that are not your own. You further state Full Beauty refuses to communicate with you viatheir secure message center, and you do not want to speak on the telephone as you would have no wayto document the call. You would like the charges removed from your account.Please find the detailed account history below. I have enclosed a capy of the billing statements whichshow the account activity that comprised the account balance.Please understand that Comenity Bank and Full Beauty are two separate entities. Comenity Bank isresponsible for addressing questions related to Full Beauty credit card accounts, while Full Beauty isresponsible for handling matters related In sales, merchandise processing, returns, shipping, andmerchandise quality.Please also understand that BrylaneHomeO. Jessica London@, KingSie@, Roaman's@, Full Beauty, andWoman Withim allow cross shopping. This means that items ordered from one retailer may be dargedto any of the listed credit cards. For instance, a Woman Within catalog purchase may be charged to theFull Beauty credit card account and vice versa.I have spoken to Full Beauty on your behalf, and they verified your order details. Your charges wereprocessed on a 90-day deferred payment plan. Itemspurchased on a deferred billing plan are not addedto your credit card account balance until the prnmotional time period is complete. Deferred purchasesthat are returned during the deferment period will have he charge and credit processed at the time ofreturn, which may result in charges to your credit card prior to the expiration of the 90 day deferment.Catalog Clistomer Senrice was not contacted prior to the 85'"ay following the shipment of your purchaseto provide an alternate payment method. Therefore, your purchases were charged to the Full Beautyaccount which was provided when you submitted your orders. Comenity Bank will allow deferredpurchases to be charged to a closed account, as long as the purchases were made prior to date theaccount was closed.Our research shows these are Me following transactions that were posted to your Full Beauty account:I have reviewed your account as well as the applicable billing statements, and the Bank is able to confirmthat the charges applied to your credit card account correspond with the catalog's order infomlation.You are a valued customer, and w sincerery apologize for any frustration and inwnvenience this mattermay have caused you. Should you have any further questions or concerns, please do not hesitate tocontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,Amanda R[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted]. In spite of the extensive length of time it took to get an answer, and the fact that they suggest I return to the store of purchase for more info (they could not provide any insight and directed me to Customer Service in the first place), I am relieved to finally have an answer. [redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Little Switzerland 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 you have concerns regarding the $25.00 late fee assessed to the account on September 28, 2015. The subsequent finance charges that were assessed in the amount of $2.00; and that you would like the fees removed. I apologize for any inconvenience this matter may have caused you. Our records indicate that on September 2, 2015, a billing statement was issued with a payment of $66.00 due by September 28, 2015. As no payment was received, a late fee of $25.00 was assessed to your account, in accordance with the Credit Card Agreement (CCA). A copy of the CCA is enclosed for your review. Our records further indicate that your payment of $600.00 was scheduled on September 30, 2015, after the billing statement due date. In the interest of customer service, we have removed the late fee of $25.00 and the finance charges in the amount of $2.00. Please be advised that any additional fees assessed to the account would be applied to the revolving balance and will be subject to finance charges. 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-[redacted], ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you.
Now they are telling me I still owe them 12.50 when I spoke to them on the phone and payed the balance off with all the fees on 10/5 for the amount of 150.39 and double checked with my bank the amount went through on October 6 for 150.39. I do now owe anything else I spoke to a manager on 10/5 and payed off my card and was told my account would be closed. So even after I complained about all these extra fees they were charging me for my 110.00 bill that I got an original email saying it was payed but, my account number was off they are still looking for me no thanks Ive page 40.39 over my original 110 and will never shop Victorias secret again because of the way they treated me. My account should be closed with them I will be checking today if not I will call and speak to there manager again.
Regards,
Barbara G[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Limited 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 did not receive your billing statements for the months of October 2013, November 2013 and December 2013. You are requesting that the negative payment information be removed from your credit report. I am happy to share my findings with you. Please be assured that Comenity Bank has submitted a request to remove the negative credit reporting for the months of October 2014, November 2014 and December 2014. Please allow up to 45 days for the credit-reporting agencies to update their records. We value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, 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. Your complaint states that you paid the account in full under the agreement of a settlement, and the account or negative entries were to be removed from your credit file. You are requesting a confirmation letter of removal or deletion, and if not, you plan on taking legal action. After reviewing your account information with the Bank and at the credit bureaus, here is what we have noted. • The last purchase of $34.56 was charged to your account on June 7, 2012. • The last billing statement, issued on December 25, 2012, reflected a balance of $245.06. • The last payment on your account was in the amount of $0.00. • The account wrote-off due to non-payment on January 25, 2013, with a write-off balance of $250.31. • The Bank then sold the account to Portfolio Recovery on May 21, 2014. When an account is sold to another entity, the outstanding balance on the credit bureau reporting from the former creditor becomes zero. Since your account was sold, your credit report reflects a zero balance owed to Comenity Bank as of the date of the account transfer. Your account will continue to show that it was “charged-off” even after the balance is adjusted to $0.00 since this reflects that the account balance was not paid to the Bank. Also, the date an account is sold does not affect the length of time for which the debt is reported to the credit reporting agencies. Delinquent account typically will report for seven years from the date the account first became delinquent (not from the date of sale or date of last activity). Please be advised that Comenity Bank has no record of you settling the account balance prior to the account being transferred to Portfolio Recovery. If you believe that you settled the account balance with Comenity Bank prior to the transfer, we would need documentation from you, which can be mailed to my attention to the address listed above, or faxed to my attention at ###-###-####. If your settlement of the account was with Portfolio Recovery, we encourage you to contact them directly at ###-###-####, to discuss the information that is being reported to your credit file. We hope this information is helpful. If you have further questions or concerns regarding the account, please contact Portfolio Recovery at the number provided. Sincerely, Shawnda Y[redacted] [redacted]
Dear Mr. [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...
appreciate the opportunity to assist you.I understand from your complaint, that you are receiving numerous calls from Comenity Bank inreference to your Lane Bryant Retail credit card account. You state that you have retainedChristian Debt Counseling service, who is issuing monthly payment installments to ComenityBank, and you are requesting that Comenity Bank stop calling you. We apologize for anyfrustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank has reviewed your account, and Bank records do notindicate that this account is being managed by a debt counseling company. If you would like toenroll your account in our debt management program, please contact them at:Comenity BankPO Box 1 82 1 24Columbus, OH 43218-2124###-###-####The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program. Thisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account current. If you are interested in obtaining information on whether you qualifyfor this program, please call ###-###-#### (TDD/TTY ###-###-####).Regarding the phone calls you have been receiving; please be advised that when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regardingthe status of the account. Many times a payment is overlooked by the customer, and areminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent, Cornenity Bank may call youuntil our attempt to communicate is successful.Please be advised that we have updated our records so you will no longer receive calls at thetelephone numbers ending in [redacted] and [redacted]I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact either of the phone numbers listed above. They will be happyto assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Ms. [redacted]We received your complaint sent to the Revdex.com regarding the above-referencedaccount. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here tohelp answer your account-related questions. Your complaint, was forwarded to my attention, andI...
appreciate the opportunity to assist you.Your complaint states that the Bank never sent you a billing statement and you were not awareof a balance on the account. As soon as you became aware, you made a payment in full and thelate fee was removed; however, the negative information was not removed from your credit file.You are asking the Bank to remove the negative information from your credit profile.Bank records indicate that you were sent billing statements to the address noted above, and wehave no record that these statements were returned by the post office. As a result of two missedpayment due dates; October 12 and November 12, 2015, the account was reported 30 daysdelinquent to the credit bureaus. Enclosed are copies of the billing statements for your records.Although we find this information to be valid, as a one-time courtesy, we have updated our recordsand have notified the credit-reporting agencies of the changes that need to be made to your creditreport. This change should be reflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. If youhave any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely, Shawnda Y[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the...
Bank regardingthis same matter. Please find enclosed a copy of our response sent to you on March 21, 2017.Please be advised that Bon-Ton would need to assist you with filing a claim through the UnitedStates Postal Service and/or FedEx, for the missing order.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that on October 18, 2016,...
you made a purchase of $240.10 and you noticed that you were billed twice for the same amount. You state that you have had multiple interactions with Torrid and Torrid.com without success, and you have been advised to contact Comenity Bank. You state you are now receiving phone calls regarding a balance you do not owe. You would like for the duplicate charge to be investigated. We apologize for the inconvenience you have experienced regarding this matter. We have contacted Torrid, on your behalf, regarding duplicate charge of $240.10. Please be advised that credit for $240.10 has been issued to your account for the duplicate charge. In addition, the previously assessed late fees and interest charges in the amount of $94.59 have been removed from your account. Please be advised that the Bank will no longer contact you regarding the status of your Torrid account, as the balance on your account is now zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Woman Within credit card. We are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.comregarding this matter. Please be advised that we respond to complaints on behalf of thePresident’s office. As previously stated, all disputes would need to be put in writing, as there isnot an email address or fax number available. Please find enclosed a copy of our response sentto you on April 21, 2017.I hope you found this information to be helpful. If you have any questions or concerns, please feelfree to contact me at (800) 820-8932.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosures
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. So long as its reported and corrected with the 3 bureaus within the time specified (45 days)
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues your fullbeauty® credit card account, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your...
concerns.We understand from your complaint that you paid off your account in 2015. You were charged a clubmembership fee that you never ordered plus minimum charges and late fees. You have attempted toresolve this with Comenity Bank. You are requesting a refund of $23.00.We have contacted fullbeauty on your behalf and their records indicate that you enrolled in the ShopperClub Membership during an online purchase June 23, 2013. The membership automatically renews perthe terms and conditions the customer’s agree to when subscribing to the membership.Additionally, we have contacted fullbeauty on your behalf and they have assured us that as of September23, 2016, your membership has been canceled, and a credit of $19.00 was processed to your account onSeptember 28, 2016.On October 28, 2016, credits totaling $23.00 were issued for the Bank fees assessed to the account. Asof the date of this letter, your account is closed and you have a credit balance of $23.00. We have requesteda refund be sent, that you should receive in 14 days, under separate cover.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau report. Please allow them 45 days toupdate their records.We sincerely apologize for the frustration and inconvenience this matter may have caused you. Shouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Amanda R[redacted]
Dear Ms. [redacted]:Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity...
to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your account. You state that you have been paying $300.00 a month andyou were surprised to see that you had two late fees added to your account. You are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every month. Your ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing period. Please be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is received. A latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagencies. On December 15, 2016, a late fee in the amount of $35.00 was credited to youraccount. In the interest of customer service, the additional late fees totaling $60.00 have beencredited to your account.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear [redacted]
Thank you for contacting the Revdex.com regarding the above-referenced account. As the bank that issues Victoria’s Secret Angel credit card accounts, we are here to assist you with your account-related questions. Your...
correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.
I understand from your complaint that your personal information was used to open the above account without your permission and you would like them stopped.
We understand your concerns outlined in the Revdex.com complaint and apologize for any inconvenience this may have caused you. We understand the frustration and burden this places on our customers.
After a thorough review of the account, our records indicate the above-referenced account was opened on April 7, 2015, by a mobile device. At this time, the application would have asked for your personal information, including social security number and date of birth, along with your electronic permission to process the application.
Further records indicate a purchase for $192.23 was charged to the account on April 7, 2015, at the Bath & Body Works store, located in the [redacted]
On April 20, 2015, our Account Protection (Fraud) team spoke to you regarding the account and mailed out a Statement of Fraud and Forgery (SOFF). Once you have received the SOFF, please ensure you fill out all the information possible and send back to the address listed on the SOFF. Once our Account Protection team receives and processes the SOFF, a fraud investigation will be opened. We will send you a letter to provide you with the case number, and another letter will be mailed at the conclusion of the investigation, which may take 60-90 days.
Meanwhile, should you have any additional questions regarding this account, you may contact Account Protection (Fraud) at ###-###-####. They will be happy to assist you with any questions you may have.
Also, we suggest that you contact the national credit-reporting agencies using the information below and place a fraud alert on your credit report. While we are not able to stop someone from using your information, a fraud alert can prevent unauthorized applications from being approved.
xperian (TRW)
TransUnion (TRU)
Equifax (CBI)
PO Box 2002701 Experian ParkwayAllen, TX 75013 - 0036 ###-###-####
PO Box 390Springfield, PA 19064 - 0390 ###-###-####
PO Box 740241Atlanta, GA 30374 - 0241###-###-####
http://www.experian.com
http://www.transunion.com
http://www.equifax.com
We hope you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); and I will be happy to assist you further.
Sincerely,
[redacted]