Dear [redacted]: Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you contacted HSN regarding your dispute and were told that HSN does not handle the credit card. You state that you have been a victim of identity theft and are aware of who the perpetrator is. Furthermore, you state that Comenity Capital Bank has not cooperated with you in regards to a list of all of the purchases that have been made to your HSN credit card. Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Bank records indicate Comenity Capital Bank provided you with copies of the billing statements that show all of your purchases and the interest that has been charged to your HSN credit card on December 9, 2016. If you believe you have been a victim of identity theft, please contact our Account Protection (Fraud) team at ###-###-#### for assistance. Additionally, we strongly suggest that you place a fraud alert on your credit report. You may contact one of the credit-reporting agencies listed below to initiate the alert. Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com 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, Rosa M
Dear [redacted]Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesGardner White credit card accounts, and we respond to all account-related inquiries. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I...
appreciate the opportunityto assist you.Your complaint states that the purchases you made in 201 3 and 2014 were placed on a 24 month interestfree plan; however, you were assessed the accrued interest for your purchases. Furthermore, you arerequesting the accrued finance charges be waived. I understand your concerns and I apologize for anyinconvenience or frustration this may have caused you.Our records indicate on February 15, 2013, a purchase of $1,500.00 posted to your account, Thispurchase was placed on a 24 Month Waived Interest, Equal Payments Required Plan, which wasscheduled to expire on February 27, 2015. Purchases on this plan will not assessed interest if thepurchase is paid in full before the end of the promotional period. At the end of the promotional period,any balance remaining on the plan is added to the regular revolving balance. The minimum monthlypayment calculations for this plan is less than the minimum monthly payment calculation for the regularrevolving balance (generally 1 %).Furthermore, on March 16, 2014, a purchase of $81.99 posted to your account and on March 17,2014, apurchase of $699.01 posted to your account. Both purchases were placed on a 12 Month DeferredInterest, 1% Payment Required Plan, which was scheduled to expire on March 17, 2015 and March 18,2015. For purchases on this plan, interest is accrued (calculated, but not added to the balance). If thebalance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, are added to the deferred balance, and this balance is moved to therevolving balance. This information appeared on your monthly billing statements, under the heading,'Details of your plans". 1 have enclosed your billing statements for your review.Upon further review, our records indicate that your payments are due on the 10'' of each month and as aresult of payments not being received or received after the due date, a late fee was assessed to youraccount for the months of May 2013, June 2013, April 2014, May 2014, June 2014, July 2014, November2014, December 2014, January 201 5, and March 201 5.Please be advised that a statement was issued to you on February 12, 2015, showing a balance of$884.00. Under the "Details of your plans" section, you were advised that the balance of $348.00, whichwas the remaining balance for the purchase of $1,500.00, needed to be paid by February 17, 2015, toavoid paying interest charges. As a result of this balance not being paid in full, the remaining balance of$285.00 was moved to your revolving balance. Please be advised that you were not assessed anyaccrued interest for this purchase; however, as a result of this balance being moved from a waivedinterest promotional plan to the revolving balance, finance charges would be assessed monthly, shouldthe balance not be paid in full. Additionally, the balance of $536.00, which is the remaining balance forthe purchase of $699.01, needed to be paid by March 18, 201 5, to avoid the accrued interest. As a resultof the balance not being paid in full by March 78, 2015, the accrued interest of $198.53 was assessed toyour account.Comenity Capital Bank has found no billing errors on your account, and we believe the informationprovided is accurate; therefore, we are unwilling to waive the accrued finance charge that was assessedto your account.As of the date of this letter, the account balance is $861.56.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. 7293241, (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank previously issued the maurices credit card. We are here to answer yourquestions and 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 January 31, 2017,and March 1, 2017.Please understand that Comenity Bank and maurices are separate entities. Comenity Bankissues and responds to questions regarding the credit card account. Maurices responds toquestions regarding merchandise, purchases, returns, and shipping. As previously stated, theBank does not have information regarding maurices return/exchanges. Please contact mauricesdirectly regarding your return.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank previously issued the maurices credit card. We are here to answer yourquestions and 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 January 31, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Responses
Dear [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and...
Iappreciate the opportunity to assist you.1 understand from your complaint, that you placed an online order with Peebles. You receivedthree of the four items you ordered; however, your Peebles credit card account was billed forthe item you never received, which was a Mohawk-Rainbow Multicolored Striped Area Rug,order [redacted] totaling $127.20. You contacted both the Peebles catalogue as well asComenity Bank, and were advised that this order was cancelled on May 15, 2015, and thecharge for the area rug would be removed from your credit card. At the time of your complaint,the charge of $127.20 was still listed on your credit card account, and per your complaint, youare requesting a full refund of $127.20, credited back to your Peebles credit card account. Weapologize for any frustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank contacted Peebles online customer service on yourbehalf, and we were advised that order #[redacted] was cancelled due to the item no longerbeing in stock. The credit of $120.00 was applied to your Peebles credit card account on May21, 201 5, and the remaining balance of $7.20 was credited back to your credit card account onMay 28, 2015. Additionally, the Bank has applied a finance charge credit of $1.30. Please beadvised, your next billing statement will reflect these credits.You are a vatued customer, and we appreciate your business. I hope you find this informationto be helpful. Should you have additional questions or concerns about this matter, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.[redacted]Consumer Relations Specialist
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. We understand the concerns, as explained...
in your correspondence. You paid the account in full, were charged late fees, but only one fee could be credited. You are requesting to have the fees credited and the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. When payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee. After reviewing the account, our records indicate that a late fee credit was applied to the account on December 13, 2016. We respectfully decline to remove any additional late fees. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. We respectfully decline to remove any delinquencies. As of the date of this letter, the account balance is $127.36. 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, Tionna M[redacted] Tionna M[redacted] Compliance Dept. – Consumer Responses
I'm sorry for being late. But I just 88 yrs old & I haven't been feeling good.'But I had to thank you for helping me. Everything has stopped. So thank you again.I'm living in a assisted living home so I'm slow. But thank you.[redacted]###-###-####
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the J.Crew credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence,...
submitted to the Revdex.com, that you paid off the J.Crew account on April 3, 2017. Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your request. You state that the Bank has added late fees and finance charges to the account. You are requesting all fees removed. Please be assured that credits totaling $64.02 have been applied to the account for the late fees and finance charges applied to the account. Additionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit file. Please allow 45 days for credit-reporting agencies to update their records. 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]
We received your complaint, addressed to the Revdex.com, regarding your Stagecredit card account. Comenity Bank issues Stage credit card accounts, and we respond to allaccount-related questions and concerns. Your complaint was forwarded to my attention, and 1appreciate the opportunity to...
assist you.We understand from your complaint, you are receiving multiple calls from Comenity Bank. Youstate Comenity Bank is consistently calling to collect a debt of $80.00 that you do not owe. Youare requesting Comenity Bank discontinue the frequent calls.We apologize for any frustration this matter may have caused you. Please note, when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regarding thestatus of the account. Many times a payment is overlooked by the customer, and a reminder callis helpful to bring the account back to a current status. Due to potential negative ramifications forour customers if an account remains delinquent, Comenity Bank may call you until our attemptsto communicate are successful.Bank records indicate your June 2016 billing statement reflected a credit balance of $1 -87. YourJuly 2016 billing statement reflected a balance of $30.63, with a minimum payment of $27.00,due an August 11, 201 6, which consisted of the following activity:Better Homes & Gardens Magazines - $10.22Family Circle Magazine - $9.28Country Living Magazines - $13.00Your August billing statement reflected a balance of $64.50, with a minimum payment of $1 3.87,due on September 1 1, 201 6, which consisted of the following activity:Entertainment Weekly Magazine - $23.00Stage Stores Payment - $-I 8.1 3Late fee - $27.00Finance Charge - $2.00No further payments have been received on your account. Please keep in mind that whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee, as explained in the Credlt Card Agreement.As of the date of this letter, the balance on your account is $1 01.24, with a minimum payment of$25.87, due on November 1,2016. Please be advised, if you would like to cancel the magazinesubscriptions, you may do so by calling ###-###-####.Please note, the Stage credit card account is currently three billing periods past due. Should anaccount exceed six consecutive billing periods past due, the account would be permanentlyclosed and written off, due to non-payment, and reported to the national credit reporting agenciesas an unpaid debt.Please be assured that I have updated your Stage account to insure that you no longer receivecalls from Comenity Bank; however, you are responsible for the remaining balance, and monthlybilling statements will be issued until the balance has been paid in full.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact our Payment Solutions Department at ###-###-#### (TDDTTTY ###-###-####). They would be happy to assist you.Sincerelv. [redacted]Consumer Relations Specialist
Dear Shilpa Jagannathan: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the LOVELOFT credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that in...
September 2016, you made a purchase in the amount of $160.65. You state you paid $160.65, on September 6, 2016, as this was the balance you were informed to pay on this date. You state you called the Bank in November 2016 to close the account and were informed by customer service the balance was zero. You were not sent billing statements for the months of September 2016, through November 2016; however, you received a bill dated December 17, 2016, with a balance. You state the Bank now claims the account had a late payment charge since September 2016 and that you were sent billing statements for the above-referenced months. You request the Bank to accept our error and remove the delinquency reported from your credit report. I am happy to share my findings. The account shows that the billing statements were issued via postal mail. The Bank has no record of any correspondence being returned as undeliverable. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. When you contacted the Bank on September 6, 2016, to make the payment of $160.65, there was a pay by phone fee of $9.00. Typically, when a customer is paying the balance in full, the fee is included in the payment amount. However, the fee was not added to your payment; therefore, it was charged on the next bill. On November 8, 2016, when you returned the Bank’s call, the representative advised you the account was charged a late fee due to the pay by phone fee not being paid. Additionally, you were advised due to this matter, the balance of $34.00 would be credited and you would owe nothing further. You were then transferred to customer service to close the account. However, an adjustment was not made to bring the balance to zero and the account was assessed additional Bank fees. The payment in the amount of $54.00 posted to the account on December 16, 2016, which brought the balance to zero. Prior to this payment, the account was reported as 60 days past due. Due to the Bank’s error, we have credited the account $54.00 and issued a refund check of $54.00. Please allow 14 days to receive the refund, which will arrive under separate cover. In addition, we have removed the delinquencies reported for November 2016 and December 2016. Please allow the credit reporting agencies 45 days to update their records. We apologize for any inconvenience this matter may have caused you. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINKcredit cards, and we are here to help answer all account-related questions. Your complaint was...
forwarded to my attention for review, and I appreciate the opportunity to assist you. We understand from your correspondence that you are requesting a verification of debt for the above-noted account. You believe the account is not reportingcorrectly, and you request that the account is removed from your credit report. Please find a summary of your Victoria’s Secret/PINK Credit Card account below. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus. The Victoria’s Secret/PINK credit card was opened on June 8, 2011; use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $81.00 was made on January 29, 2012, and the last payment of $50.00 was received on March 25, 2012. The account was permanently closed and written off, due to non-payment, on January 18, 2013, with a balance of $285.31. Additionally, the Victoria’s Secret/PINK credit card account was sold to Portfolio Recovery on June 18, 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 accounts 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). 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 your account to the credit bureaus. If you have further questions or concerns regarding the account, please do not hesitate to contact me at ###-###-####, or ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Justina M[redacted] CC: Revdex.com Tell us why here...
Comenity Capital Bank received the complaint for [redacted]In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 11/18/2017.
The facts stated are not accurate!I received no correspondence form Marathon of any kind!!As far as payment I have been making payment to the account for the last several months, with no mention of it being closed.I believe that this is another one of the credit card scams!!I will be reporting it to the proper federal agency!!
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I appreciate...
the opportunity to respond to your concerns.Your complaint indicates that a purchase was made in January 2015, and was placed on a 12 month no interest promotional plan. You made an additional purchase in March 2015 that was placed on a 60 month fixed interest promotional plan and you want your earlier purchase transferred to the 60 month fixed interest plan as well. You wrote a letter of dispute asking to be removed from the 12 month no interest promotional plan and have your purchase transferred to the 60 month fixed interest plan. You state that when we added the purchase back to your account, all your payments were misapplied which resulting in more interest being accrued. You state that you have been advised that the Bank would honor the 60 month fixed interest plan; however, it has not been changed. You are requesting that the interest be adjusted as you were told and that the account interest be waived.It was a pleasure speaking with you on March 31, 2016. During our conversation we agreed to place the revolving balance of $2,328.93 to a promotional plan of 60 month low APR of 10.99% with equal payments required. Your next statement will be released on April 15, 2016, and it will show all the details of your plan. Please take time to review carefully.We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Rosa M[redacted]
Dear [redacted] Thank you for contacting the Better BusinessBureau, regarding the above-mentioned application. Comenity Capital Bank issues My BJ’s PerksMasterCard® accounts, and we are here to help with your questions. Your correspondence...
was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding your application that was declined. After further research into your application,our records indicate that you were sent a letter asking that you contact theBank for further verification. This occurred because there is a fraud victimstatement listed on your credit bureau report. When you contacted us, you were asked a seriesof personal questions, in order to ensure you were the applicant. In order for us to open an account, a certainpercentage of these questions must be answered correctly. In your case, an insufficient number of questionswere answered correctly, and the application was unable to be approved. Unfortunately, for security reasons, we arenot able to release detailed information regarding the questions that were missed. Additionally, if you have further concerns regarding the fraud statement that is listed on your credit report, we ask that you contact the bureaus directly with your concerns. They may be reached using the following information: [redacted]If you are still interested in obtaining the My BJ’s Perks MasterCard® account, please reapply after September 14, 2015. We apologize for the frustration and inconvenience that you have experienced regarding this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you. Sincerely, Justina M[redacted]
[redacted]
Dear Ms. [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account related questions. The complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand that you are not satisfied with our previous resolution. You are requesting that the Bank delete the account from your credit profile, instead of updating the information, as you believe this leaves a negative impact on your credit profile. We are happy to explain our position.Comenity Bank is obligated to report factual data to the national credit-reporting agencies. As previously communicated, we found discrepancies in the reporting of the account and we submitted notification to Equifax to ensure the updates needed were corrected, as this is the credit bureau you indicated was reporting incorrect information. The Bank is unwilling to delete the account from your credit profile, as it is valid; however, please note that we submitted information to all credit-reporting agencies to ensure their records were updated. This may take 45 days for them to update their records.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information:Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-####PO Box 390 Springfield, PA 19064 - 0390 ###-###-####PO Box 740241 Atlanta, GA 30374 - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ Bank’s position remains unchanged.We apologize for any inconvenience or frustration this has caused you, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within@ 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 allege that you did not know you had this accountuntil you checked your credit bureau report. You state that you contacted the Bank and advisedus you did not open this account, and you wanted a detailed account history. Additionally, youstate the Bank informed you we would not be able to provide you with a detailed accounthistory. At this time you would fike a history of the account, and you would like to settle theaccount for $100.00.Please find the detailed account history below. I have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of the billing statements which show the accountactivity that comprised the account balance and delinquencies which were reported to the creditbureaus. Use of the account, or failure to close the account within 30 days of receiving the CCAindicated your acceptance of the terms of the agreement, including the assessment of anyfinance charges and fees.Please understand that Comenity Bank and Woman Within are two separate entitles. ComenityBank is responsible for addressing questions related to Woman Within@ credit card accounts,while Woman Within is responsible for handling matters related to sales, merchandiseprocessing, returns, shipping, and merchandise quality.I have spoken to Woman Within on your behalf, and they have advised that this credit cardaccount was opened online on February 26, 2013, when you placed your first order. They havealso verified your order details. Your charges were processed on a 90-day deferred paymentplan. Items purchased on a deferred billing plan are not added to your credit card accountbalance until the promotional time period is complete. Deferred purchases that are returnedduring the deferment period will have the charge and credit processed at the time of return,which may result in charges to your credit card prior to the expiration of the 90 day deferment.Your first order was placed on February 26, 2013, for a black jacket. This item was shipped onFebruary 27, 2013, to your address above. The order was piaced on a 90-day deferredpurchase plan and was charged to your Woman Within account on May 28, 2013.Your second order was placed on March 29, 2013, for a black bootie, black hosiery, dark brownbootie, white light pink bra, and white bra. These items were shipped on April 1, 2013, to youraddress listed above. This order was placed on a 90-day deferred purchase plan and wascharged to your Woman Within account on July 1, 2013. On May 15, 2015, you returned thewhite bra, and on July 3, 2013, you returned the white light pink bra.I have reviewed your account, as well as the applicable billing statements, and the Bank is ableto confirm the charges applied to your credit card account correspond with the catalog's orderinformation.Billing statements were sent via US mail, to an address on [redacted] in[redacted] from May 16, 2013, through January 16, 2014. Your account was written offon February 13, 2014, with an unpaid balance of $391.46. We received your payment of$195.73 on November 28, 2014, which was to be a settlement of the account. This paymentwas returned by your financial institution due to a stop payment request and was debited backto your Woman Within account on December 5, 2014.The account was sold to Portfolio Recovery on May 14, 2015. You may contact PortfolioRecovery at ###-###-####.I hope you find this information to be helpful. Should you have any further questions, pleasecontact Portfolio Recovery at the number listed above. They will be happy to assist you.Sincerely.[redacted]Consumer Relations Specialist
Dear [redacted]Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit cards, we are here to help answer account-related questions. Your additional complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to assist you.You state in your complaint that you have tried to respond, and the company did not reissue a card after fraudulent charges were made. You ask if you should make a new complaint.Please refer to our previous response, dated February 18, 2016. The Account Protection (Fraud) team is not opening a new Victoria’s Secret account as the fraud account was closed prior to the initial fraud case you filed. If you have further questions about the account, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####).Our position remains unchanged.We apologize for any confusion or inconvenience this may have caused you. If you need additional assistance or have further questions, please contact the Account Protection (Fraud) team at the number provided. They will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted]: We are in receipt of the complaint sent to the Revdex.com regarding the above-noted account. Comenity Bank issues Total Rewards Visa® accounts, and we respond to all account-related concerns. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to assist you. We understand from your complaint that you received a credit card in the mail that you did not apply for. You want to know how the account was opened; you request the account be closed, and your information removed from the Bank’s records. We apologize for any inconvenience this matter may have caused you. Bank records indicate a pre-screened offer of credit was mailed to your address in [redacted]. The application was approved on April 21, 2016, when the prescreen offer was accepted online. Additionally, Bank records indicate that your fraud claim was previously received and investigated. During the fraud investigation, it was determined that the Total Rewards Visa® account was opened without your authorization, and the account was closed on October 31, 2016. Please be assured, this information was provided to the national credit-reporting agencies. They have been instructed to remove the Total Rewards Visa® account, from your credit bureau report. Please allow the credit-reporting agencies 45 business days to update their records. Please be aware that the Bank is not able to remove your information from our records. Additionally, if you have not already done so, we suggest you place a fraud alert on your credit report. A fraud alert will notify potential creditors you have been a victim of fraud. When a fraud alert is present, potential creditors will contact you before an account is established, so you can confirm if the application is valid. You may contact any one of the agencies listed below. The agency you contact will share this information with the other agencies, so your alert will be present with each of the national credit-reporting agencies. You may contact them using the following information: If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist. Sincerely, Justina M[redacted]
Dear[redacted] We received your additional complaint, addressed to the Revdex.com,regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respondto account-related questions. Your complaintwas forwarded to my attention, and I appreciate the opportunity to respond toyour concerns. We understand that you would like to be contacted by telephone to process yourpayment in full and close your account. Our records indicate that your payment of $66.72 was applied to your account onJune 22, 2015. Also, your account wasclosed per your request on June 22, 2015. A finance charge of $1.97 was applied to your account on June 20, 2015. In the interest of customer service, we haveremoved the finance charge for $1.97. With this adjustment the balance on your account is zero. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Ashley HughesConsumer Relations SpecialistTell us why here...
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the...
Revdex.com, that youmade a late payment on your account. At the time, you had just given birth to your son. You werereceiving statements; however, you avoided opening them. When you realized your payment wasdue, the account had already been reported late. You are requesting a courtesy removal of thereported delinquency.Congratulations on the birth of your son!We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.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,Renee S[redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you contacted HSN regarding your dispute and were told that HSN does not handle the credit card. You state that you have been a victim of identity theft and are aware of who the perpetrator is. Furthermore, you state that Comenity Capital Bank has not cooperated with you in regards to a list of all of the purchases that have been made to your HSN credit card. Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Bank records indicate Comenity Capital Bank provided you with copies of the billing statements that show all of your purchases and the interest that has been charged to your HSN credit card on December 9, 2016. If you believe you have been a victim of identity theft, please contact our Account Protection (Fraud) team at ###-###-#### for assistance. Additionally, we strongly suggest that you place a fraud alert on your credit report. You may contact one of the credit-reporting agencies listed below to initiate the alert. Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com 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, Rosa M
Dear [redacted]Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesGardner White credit card accounts, and we respond to all account-related inquiries. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I...
appreciate the opportunityto assist you.Your complaint states that the purchases you made in 201 3 and 2014 were placed on a 24 month interestfree plan; however, you were assessed the accrued interest for your purchases. Furthermore, you arerequesting the accrued finance charges be waived. I understand your concerns and I apologize for anyinconvenience or frustration this may have caused you.Our records indicate on February 15, 2013, a purchase of $1,500.00 posted to your account, Thispurchase was placed on a 24 Month Waived Interest, Equal Payments Required Plan, which wasscheduled to expire on February 27, 2015. Purchases on this plan will not assessed interest if thepurchase is paid in full before the end of the promotional period. At the end of the promotional period,any balance remaining on the plan is added to the regular revolving balance. The minimum monthlypayment calculations for this plan is less than the minimum monthly payment calculation for the regularrevolving balance (generally 1 %).Furthermore, on March 16, 2014, a purchase of $81.99 posted to your account and on March 17,2014, apurchase of $699.01 posted to your account. Both purchases were placed on a 12 Month DeferredInterest, 1% Payment Required Plan, which was scheduled to expire on March 17, 2015 and March 18,2015. For purchases on this plan, interest is accrued (calculated, but not added to the balance). If thebalance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, are added to the deferred balance, and this balance is moved to therevolving balance. This information appeared on your monthly billing statements, under the heading,'Details of your plans". 1 have enclosed your billing statements for your review.Upon further review, our records indicate that your payments are due on the 10'' of each month and as aresult of payments not being received or received after the due date, a late fee was assessed to youraccount for the months of May 2013, June 2013, April 2014, May 2014, June 2014, July 2014, November2014, December 2014, January 201 5, and March 201 5.Please be advised that a statement was issued to you on February 12, 2015, showing a balance of$884.00. Under the "Details of your plans" section, you were advised that the balance of $348.00, whichwas the remaining balance for the purchase of $1,500.00, needed to be paid by February 17, 2015, toavoid paying interest charges. As a result of this balance not being paid in full, the remaining balance of$285.00 was moved to your revolving balance. Please be advised that you were not assessed anyaccrued interest for this purchase; however, as a result of this balance being moved from a waivedinterest promotional plan to the revolving balance, finance charges would be assessed monthly, shouldthe balance not be paid in full. Additionally, the balance of $536.00, which is the remaining balance forthe purchase of $699.01, needed to be paid by March 18, 201 5, to avoid the accrued interest. As a resultof the balance not being paid in full by March 78, 2015, the accrued interest of $198.53 was assessed toyour account.Comenity Capital Bank has found no billing errors on your account, and we believe the informationprovided is accurate; therefore, we are unwilling to waive the accrued finance charge that was assessedto your account.As of the date of this letter, the account balance is $861.56.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. 7293241, (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank previously issued the maurices credit card. We are here to answer yourquestions and 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 January 31, 2017,and March 1, 2017.Please understand that Comenity Bank and maurices are separate entities. Comenity Bankissues and responds to questions regarding the credit card account. Maurices responds toquestions regarding merchandise, purchases, returns, and shipping. As previously stated, theBank does not have information regarding maurices return/exchanges. Please contact mauricesdirectly regarding your return.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank previously issued the maurices credit card. We are here to answer yourquestions and 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 January 31, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Responses
Dear [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and...
Iappreciate the opportunity to assist you.1 understand from your complaint, that you placed an online order with Peebles. You receivedthree of the four items you ordered; however, your Peebles credit card account was billed forthe item you never received, which was a Mohawk-Rainbow Multicolored Striped Area Rug,order [redacted] totaling $127.20. You contacted both the Peebles catalogue as well asComenity Bank, and were advised that this order was cancelled on May 15, 2015, and thecharge for the area rug would be removed from your credit card. At the time of your complaint,the charge of $127.20 was still listed on your credit card account, and per your complaint, youare requesting a full refund of $127.20, credited back to your Peebles credit card account. Weapologize for any frustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank contacted Peebles online customer service on yourbehalf, and we were advised that order #[redacted] was cancelled due to the item no longerbeing in stock. The credit of $120.00 was applied to your Peebles credit card account on May21, 201 5, and the remaining balance of $7.20 was credited back to your credit card account onMay 28, 2015. Additionally, the Bank has applied a finance charge credit of $1.30. Please beadvised, your next billing statement will reflect these credits.You are a vatued customer, and we appreciate your business. I hope you find this informationto be helpful. Should you have additional questions or concerns about this matter, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.[redacted]Consumer Relations Specialist
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. We understand the concerns, as explained...
in your correspondence. You paid the account in full, were charged late fees, but only one fee could be credited. You are requesting to have the fees credited and the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. When payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee. After reviewing the account, our records indicate that a late fee credit was applied to the account on December 13, 2016. We respectfully decline to remove any additional late fees. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. We respectfully decline to remove any delinquencies. As of the date of this letter, the account balance is $127.36. 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, Tionna M[redacted] Tionna M[redacted] Compliance Dept. – Consumer Responses
I'm sorry for being late. But I just 88 yrs old & I haven't been feeling good.'But I had to thank you for helping me. Everything has stopped. So thank you again.I'm living in a assisted living home so I'm slow. But thank you.[redacted]###-###-####
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the J.Crew credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence,...
submitted to the Revdex.com, that you paid off the J.Crew account on April 3, 2017. Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your request. You state that the Bank has added late fees and finance charges to the account. You are requesting all fees removed. Please be assured that credits totaling $64.02 have been applied to the account for the late fees and finance charges applied to the account. Additionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit file. Please allow 45 days for credit-reporting agencies to update their records. 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]
We received your complaint, addressed to the Revdex.com, regarding your Stagecredit card account. Comenity Bank issues Stage credit card accounts, and we respond to allaccount-related questions and concerns. Your complaint was forwarded to my attention, and 1appreciate the opportunity to...
assist you.We understand from your complaint, you are receiving multiple calls from Comenity Bank. Youstate Comenity Bank is consistently calling to collect a debt of $80.00 that you do not owe. Youare requesting Comenity Bank discontinue the frequent calls.We apologize for any frustration this matter may have caused you. Please note, when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regarding thestatus of the account. Many times a payment is overlooked by the customer, and a reminder callis helpful to bring the account back to a current status. Due to potential negative ramifications forour customers if an account remains delinquent, Comenity Bank may call you until our attemptsto communicate are successful.Bank records indicate your June 2016 billing statement reflected a credit balance of $1 -87. YourJuly 2016 billing statement reflected a balance of $30.63, with a minimum payment of $27.00,due an August 11, 201 6, which consisted of the following activity:Better Homes & Gardens Magazines - $10.22Family Circle Magazine - $9.28Country Living Magazines - $13.00Your August billing statement reflected a balance of $64.50, with a minimum payment of $1 3.87,due on September 1 1, 201 6, which consisted of the following activity:Entertainment Weekly Magazine - $23.00Stage Stores Payment - $-I 8.1 3Late fee - $27.00Finance Charge - $2.00No further payments have been received on your account. Please keep in mind that whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee, as explained in the Credlt Card Agreement.As of the date of this letter, the balance on your account is $1 01.24, with a minimum payment of$25.87, due on November 1,2016. Please be advised, if you would like to cancel the magazinesubscriptions, you may do so by calling ###-###-####.Please note, the Stage credit card account is currently three billing periods past due. Should anaccount exceed six consecutive billing periods past due, the account would be permanentlyclosed and written off, due to non-payment, and reported to the national credit reporting agenciesas an unpaid debt.Please be assured that I have updated your Stage account to insure that you no longer receivecalls from Comenity Bank; however, you are responsible for the remaining balance, and monthlybilling statements will be issued until the balance has been paid in full.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact our Payment Solutions Department at ###-###-#### (TDDTTTY ###-###-####). They would be happy to assist you.Sincerelv. [redacted]Consumer Relations Specialist
Dear Shilpa Jagannathan: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the LOVELOFT credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that in...
September 2016, you made a purchase in the amount of $160.65. You state you paid $160.65, on September 6, 2016, as this was the balance you were informed to pay on this date. You state you called the Bank in November 2016 to close the account and were informed by customer service the balance was zero. You were not sent billing statements for the months of September 2016, through November 2016; however, you received a bill dated December 17, 2016, with a balance. You state the Bank now claims the account had a late payment charge since September 2016 and that you were sent billing statements for the above-referenced months. You request the Bank to accept our error and remove the delinquency reported from your credit report. I am happy to share my findings. The account shows that the billing statements were issued via postal mail. The Bank has no record of any correspondence being returned as undeliverable. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. When you contacted the Bank on September 6, 2016, to make the payment of $160.65, there was a pay by phone fee of $9.00. Typically, when a customer is paying the balance in full, the fee is included in the payment amount. However, the fee was not added to your payment; therefore, it was charged on the next bill. On November 8, 2016, when you returned the Bank’s call, the representative advised you the account was charged a late fee due to the pay by phone fee not being paid. Additionally, you were advised due to this matter, the balance of $34.00 would be credited and you would owe nothing further. You were then transferred to customer service to close the account. However, an adjustment was not made to bring the balance to zero and the account was assessed additional Bank fees. The payment in the amount of $54.00 posted to the account on December 16, 2016, which brought the balance to zero. Prior to this payment, the account was reported as 60 days past due. Due to the Bank’s error, we have credited the account $54.00 and issued a refund check of $54.00. Please allow 14 days to receive the refund, which will arrive under separate cover. In addition, we have removed the delinquencies reported for November 2016 and December 2016. Please allow the credit reporting agencies 45 days to update their records. We apologize for any inconvenience this matter may have caused you. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINKcredit cards, and we are here to help answer all account-related questions. Your complaint was...
forwarded to my attention for review, and I appreciate the opportunity to assist you. We understand from your correspondence that you are requesting a verification of debt for the above-noted account. You believe the account is not reportingcorrectly, and you request that the account is removed from your credit report. Please find a summary of your Victoria’s Secret/PINK Credit Card account below. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus. The Victoria’s Secret/PINK credit card was opened on June 8, 2011; use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase of $81.00 was made on January 29, 2012, and the last payment of $50.00 was received on March 25, 2012. The account was permanently closed and written off, due to non-payment, on January 18, 2013, with a balance of $285.31. Additionally, the Victoria’s Secret/PINK credit card account was sold to Portfolio Recovery on June 18, 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 accounts 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). 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 your account to the credit bureaus. If you have further questions or concerns regarding the account, please do not hesitate to contact me at ###-###-####, or ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Justina M[redacted] CC: Revdex.com Tell us why here...
Comenity Capital Bank received the complaint for [redacted]In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 11/18/2017.
The facts stated are not accurate!I received no correspondence form Marathon of any kind!!As far as payment I have been making payment to the account for the last several months, with no mention of it being closed.I believe that this is another one of the credit card scams!!I will be reporting it to the proper federal agency!!
Regards, [redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I appreciate...
the opportunity to respond to your concerns.Your complaint indicates that a purchase was made in January 2015, and was placed on a 12 month no interest promotional plan. You made an additional purchase in March 2015 that was placed on a 60 month fixed interest promotional plan and you want your earlier purchase transferred to the 60 month fixed interest plan as well. You wrote a letter of dispute asking to be removed from the 12 month no interest promotional plan and have your purchase transferred to the 60 month fixed interest plan. You state that when we added the purchase back to your account, all your payments were misapplied which resulting in more interest being accrued. You state that you have been advised that the Bank would honor the 60 month fixed interest plan; however, it has not been changed. You are requesting that the interest be adjusted as you were told and that the account interest be waived.It was a pleasure speaking with you on March 31, 2016. During our conversation we agreed to place the revolving balance of $2,328.93 to a promotional plan of 60 month low APR of 10.99% with equal payments required. Your next statement will be released on April 15, 2016, and it will show all the details of your plan. Please take time to review carefully.We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Rosa M[redacted]
Dear [redacted] Thank you for contacting the Better BusinessBureau, regarding the above-mentioned application. Comenity Capital Bank issues My BJ’s PerksMasterCard® accounts, and we are here to help with your questions. Your correspondence...
was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding your application that was declined. After further research into your application,our records indicate that you were sent a letter asking that you contact theBank for further verification. This occurred because there is a fraud victimstatement listed on your credit bureau report. When you contacted us, you were asked a seriesof personal questions, in order to ensure you were the applicant. In order for us to open an account, a certainpercentage of these questions must be answered correctly. In your case, an insufficient number of questionswere answered correctly, and the application was unable to be approved. Unfortunately, for security reasons, we arenot able to release detailed information regarding the questions that were missed. Additionally, if you have further concerns regarding the fraud statement that is listed on your credit report, we ask that you contact the bureaus directly with your concerns. They may be reached using the following information: [redacted]If you are still interested in obtaining the My BJ’s Perks MasterCard® account, please reapply after September 14, 2015. We apologize for the frustration and inconvenience that you have experienced regarding this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you. Sincerely, Justina M[redacted]
[redacted]
Dear Ms. [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account related questions. The complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand that you are not satisfied with our previous resolution. You are requesting that the Bank delete the account from your credit profile, instead of updating the information, as you believe this leaves a negative impact on your credit profile. We are happy to explain our position.Comenity Bank is obligated to report factual data to the national credit-reporting agencies. As previously communicated, we found discrepancies in the reporting of the account and we submitted notification to Equifax to ensure the updates needed were corrected, as this is the credit bureau you indicated was reporting incorrect information. The Bank is unwilling to delete the account from your credit profile, as it is valid; however, please note that we submitted information to all credit-reporting agencies to ensure their records were updated. This may take 45 days for them to update their records.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information:Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-####PO Box 390 Springfield, PA 19064 - 0390 ###-###-####PO Box 740241 Atlanta, GA 30374 - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ Bank’s position remains unchanged.We apologize for any inconvenience or frustration this has caused you, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Woman Within@ 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 allege that you did not know you had this accountuntil you checked your credit bureau report. You state that you contacted the Bank and advisedus you did not open this account, and you wanted a detailed account history. Additionally, youstate the Bank informed you we would not be able to provide you with a detailed accounthistory. At this time you would fike a history of the account, and you would like to settle theaccount for $100.00.Please find the detailed account history below. I have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of the billing statements which show the accountactivity that comprised the account balance and delinquencies which were reported to the creditbureaus. Use of the account, or failure to close the account within 30 days of receiving the CCAindicated your acceptance of the terms of the agreement, including the assessment of anyfinance charges and fees.Please understand that Comenity Bank and Woman Within are two separate entitles. ComenityBank is responsible for addressing questions related to Woman Within@ credit card accounts,while Woman Within is responsible for handling matters related to sales, merchandiseprocessing, returns, shipping, and merchandise quality.I have spoken to Woman Within on your behalf, and they have advised that this credit cardaccount was opened online on February 26, 2013, when you placed your first order. They havealso verified your order details. Your charges were processed on a 90-day deferred paymentplan. Items purchased on a deferred billing plan are not added to your credit card accountbalance until the promotional time period is complete. Deferred purchases that are returnedduring the deferment period will have the charge and credit processed at the time of return,which may result in charges to your credit card prior to the expiration of the 90 day deferment.Your first order was placed on February 26, 2013, for a black jacket. This item was shipped onFebruary 27, 2013, to your address above. The order was piaced on a 90-day deferredpurchase plan and was charged to your Woman Within account on May 28, 2013.Your second order was placed on March 29, 2013, for a black bootie, black hosiery, dark brownbootie, white light pink bra, and white bra. These items were shipped on April 1, 2013, to youraddress listed above. This order was placed on a 90-day deferred purchase plan and wascharged to your Woman Within account on July 1, 2013. On May 15, 2015, you returned thewhite bra, and on July 3, 2013, you returned the white light pink bra.I have reviewed your account, as well as the applicable billing statements, and the Bank is ableto confirm the charges applied to your credit card account correspond with the catalog's orderinformation.Billing statements were sent via US mail, to an address on [redacted] in[redacted] from May 16, 2013, through January 16, 2014. Your account was written offon February 13, 2014, with an unpaid balance of $391.46. We received your payment of$195.73 on November 28, 2014, which was to be a settlement of the account. This paymentwas returned by your financial institution due to a stop payment request and was debited backto your Woman Within account on December 5, 2014.The account was sold to Portfolio Recovery on May 14, 2015. You may contact PortfolioRecovery at ###-###-####.I hope you find this information to be helpful. Should you have any further questions, pleasecontact Portfolio Recovery at the number listed above. They will be happy to assist you.Sincerely.[redacted]Consumer Relations Specialist
Dear [redacted]Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit cards, we are here to help answer account-related questions. Your additional complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to assist you.You state in your complaint that you have tried to respond, and the company did not reissue a card after fraudulent charges were made. You ask if you should make a new complaint.Please refer to our previous response, dated February 18, 2016. The Account Protection (Fraud) team is not opening a new Victoria’s Secret account as the fraud account was closed prior to the initial fraud case you filed. If you have further questions about the account, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####).Our position remains unchanged.We apologize for any confusion or inconvenience this may have caused you. If you need additional assistance or have further questions, please contact the Account Protection (Fraud) team at the number provided. They will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted]: We are in receipt of the complaint sent to the Revdex.com regarding the above-noted account. Comenity Bank issues Total Rewards Visa® accounts, and we respond to all account-related concerns. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to assist you. We understand from your complaint that you received a credit card in the mail that you did not apply for. You want to know how the account was opened; you request the account be closed, and your information removed from the Bank’s records. We apologize for any inconvenience this matter may have caused you. Bank records indicate a pre-screened offer of credit was mailed to your address in [redacted]. The application was approved on April 21, 2016, when the prescreen offer was accepted online. Additionally, Bank records indicate that your fraud claim was previously received and investigated. During the fraud investigation, it was determined that the Total Rewards Visa® account was opened without your authorization, and the account was closed on October 31, 2016. Please be assured, this information was provided to the national credit-reporting agencies. They have been instructed to remove the Total Rewards Visa® account, from your credit bureau report. Please allow the credit-reporting agencies 45 business days to update their records. Please be aware that the Bank is not able to remove your information from our records. Additionally, if you have not already done so, we suggest you place a fraud alert on your credit report. A fraud alert will notify potential creditors you have been a victim of fraud. When a fraud alert is present, potential creditors will contact you before an account is established, so you can confirm if the application is valid. You may contact any one of the agencies listed below. The agency you contact will share this information with the other agencies, so your alert will be present with each of the national credit-reporting agencies. You may contact them using the following information: If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist. Sincerely, Justina M[redacted]
Dear[redacted] We received your additional complaint, addressed to the Revdex.com,regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respondto account-related questions. Your complaintwas forwarded to my attention, and I appreciate the opportunity to respond toyour concerns. We understand that you would like to be contacted by telephone to process yourpayment in full and close your account. Our records indicate that your payment of $66.72 was applied to your account onJune 22, 2015. Also, your account wasclosed per your request on June 22, 2015. A finance charge of $1.97 was applied to your account on June 20, 2015. In the interest of customer service, we haveremoved the finance charge for $1.97. With this adjustment the balance on your account is zero. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Ashley HughesConsumer Relations SpecialistTell us why here...
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the...
Revdex.com, that youmade a late payment on your account. At the time, you had just given birth to your son. You werereceiving statements; however, you avoided opening them. When you realized your payment wasdue, the account had already been reported late. You are requesting a courtesy removal of thereported delinquency.Congratulations on the birth of your son!We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.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,Renee S[redacted]