Dear [redacted]We received your complaint submitted to the Revdex.com regarding the above-referencedaccount As the bank that issues Express credit card accounts, we respond to all account-relatedquestions Your correspondence was forwarded to my attention, and I appreciate the opportunity...
torespond to your concerns.We understand from your complaint, you believe you were improperly charged a pay-by-phone fee of$15 00, for a payment you made with a Bank associate over the telephone to cover an outstandingbalance on your Express credit card account You also state during that same telephone call, you werenot given the correct balance information in order to bring your Express account current Additionally, youhave asked the Bank to close your account.We recently responded to the Federal Deposit Insurance Corporation (FDIC), regarding this complaint onMay 8,2015 Enclosed is a copy of the response for your records.We hope this information is helpful Should you have any other questions or concerns regarding thisaccount, please feel free to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ( ###-###-####) I will be happy to assist you.Sincerely,[redacted]
Dear Ms. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedapplication. Comenity Capital Bank issues El Dorado credit card accounts, and werespond to all account-related questions. Your compliant was forwarded to my attention, and 1appreciate this...
opportunity to assist you.Your complaint states that you applied for an El Dorado credit card and you were denied. Youfurther indicate that you contacted Experian, and they have confirmed your correct address islisted on your credit report. Furthermore you indicate that you have lived at the address listedabove since 2005, you are requesting we reconsider your application.We apologize for any frustration or inconvenience you may have experienced because of thismatter. Per your correspondence, we have reviewed the information submitted with your Revdex.comcomplaint. With the information provided we were able to override the information showing onyour credit report and approve your application.Congratulations, you have been approved for an El Dorado credit card account with $8,500.00available credit. You will receive a welcome kit which includes your credit card at the addresslisted above within seven to ten business days.We hope you find this information helpful. If you have any further questions please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-#### ). I will be happy to assist you.Sincerely,Rosa M[redacted]
My complaint was based on their findings that they said they sent out, however to this date (3/14/16), I have still not received anything in the mail. They settled and closed the case based on being verbally told by the merchant it was delivered, but never checked with me or asked for confirmation of delivery, simply took their word for it. I have since contacted both the merchant and Comenity AGAIN, and Comenity is currently investigating, however this has become such a hassle considering it is as simple as I used their card to purchase and item with promised delivery in writing by a certain date, that never happened and now I can not get my money back from the company and Comenity is holding the money from my available funds.Comenity has also been sent a copy of a receipt I was given in person when purchasing my item and my receipt shows purchase and signature for $200, however company charged $800, and Comenity is holding $800 of my available credit. I should have some insurance given it is an insured company using the MasterCard logo and I should be protected from instances like this. I would think it is as simple as they legally broke their contract with me by one charging a different amount and two not delivering by their specified date. So I would be entitled to my money back or returned to the credit available on my credit card.
Regards,
[redacted]
They closed my accounts without my notice. They can reopen the accounts . I know this because they opened them up the last time they did this to me over the same issue... Why then could you reopen them but now you can't. I think you are a scam. I will be going into the stores and I will tell everyone I know how I was treated. your policy all of a sudden...? it is a bad one. You will only cause businesses to lose in the end.If you look I have always paid my bills. I will win in the end of this. [redacted]
Dear Ms. [redacted]: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues New York & Company credit cards, and we are here to answer all of your account-related questions....
Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the late fees, and that you did not receive monthly billing statements in the mail. We apologize for any inconvenience or frustration that this matter may have caused you. Our records indicate that your New York & Company account was registered with our Account Center, which provides accountholders the ability to view statements and make payments online. Additionally, the paperless statement option was chosen. Statement ready emails were sent to the email address you provided at registration:[redacted] Please understand that Comenity Bank does not have the ability to enroll customers into paperless statements; this option can only be chosen by the customer via Account Center. Additionally, should an account that is enrolled in paperless statements become two billing periods past due, a paper statement will also be issued. Please keep in mind that your payment due date is the 3rd of each month. If payments are not received, are received after the due date, or are less than the minimum due, a late fee will be assessed to the account as per the Credit Card Agreement. In the interest of customer service, we have issued credit in the amount of $28.46 for the previously assessed fees on your account. At this time the account balance is zero. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Melissa L[redacted]
I have filled all forms attached in the previous responding emails from Comenity Bank and mailed them back to the address provided.Here are the copies.
Dear [redacted]Comenity Capital Bank has received your correspondence, on behalf of your husband, [redacted], regarding the above-referenced credit card account. Comenity Capital Bank issues the Zales credit card. We are here to answer your questions and assist with your concerns.We understand...
your concerns explained in the complaint. Please be aware, as you are not the primary accountholder and the Bank does not have documentation that you have Power of Attorney over [redacted], we are unable to assist you with your request and/or make changes to the account. As such, we are responding directly to [redacted], the primary accountholder.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]
We received your additional complaint, regarding the above-referenced account. As the bank that issueswayfair@ credit card accounts, we are here to help answer your account-related concerns. Yourcorrespondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint, that you are rejecting our original Revdex.com response for the followingreasons:1. You state while you were speaking with the Bank the day you submitted this complaint; you wereadvised that your account was no longer in dispute, and that you would receive a refund within 20-21 days, and that your account showed a credit of $550.092. If you are not owed the refund of $550.09, you are requesting to be refunded the extra financecharges you paid off as a result of this matter3. You are requesting a copy of your July 2016 billing statement.4. You are disputing the dates and charges listed in the previous Bank response.Please note, Bank records indicate this matter has already been investigated and a response waspreviously issued on September 16, 2016. 1 have enclosed a copy of our previous response, as well ascopies of the billing statements which include the July 2016 billing statement as you requested. Thesebilling statements show the account activity that comprised the account balance for your records.Please note, as of September 26, 2016, the provisional credit of $550.09, has been removed from yourwayfaia credit card account, which will bring your balance to zero.In the interest of customer service, credits for finance charges totaling $32.32, have been issued, resultingin credit balance. Please be assured, we have issued a refund in this amount and you should receive therefund in a separate mailing within 7-1 0, business days.We apologize for any frustration or inconvenience this matter may have caused you, and hope thisinformation is helpful. Should you have any further questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext. [redacted] (TDDmY 1-800-695-1 788). 1 will be happy to assistyou.Sincerely, Jeanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
1) The credit union has already submitted the documentation. The check image is attached (and is also included in the message they submitted to the Revdex.com directly). 2) I just checked my Transunion and Equifax credit reports. Both show the following: Worst Payment Status: 30-59 days lateTimes 30/60/90 days late: 1/0/0Please correct and confirm. I have attached a PDF for each. I think it's safe to assume that the same information is also reported to Experian. If this is not the case, can you please provide documentation that shows otherwise.
Regards,[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. The Bank received your complaint in which you state that...
your account was assessed a late fee. You attempted to contact the Bank via our secure messaging center; however, you were advised to call our Customer Care team. You are requesting that the Bank issue a credit for the late fee and send you a refund check. We understand your concerns, and apologize for any frustration this may have caused you. Our records indicate that on April 6, 2017, the Bank issued a statement showing a balance of $300.68 with a minimum payment of $25.00 due by May 2, 2017. The Bank received a payment of $300.68 on May 4, 2017. As a result of the payment being received after the due date, a late fee was assessed to your account. On May 7, 2017, a statement was issued to you showing a balance of $30.73 with a minimum payment of $27.00 due by June 2, 2017. On May 13, 2017, a purchase of $53.26 posted to your account. In addition the Bank received three return credits totaling $110.07. On June 2, 2017, the Bank received a payment of $30.73, which left a credit balance of $56.81. Although Comenity Bank did not find any billing errors with the account, we have issued a total credit of $30.73, for the previously assessed late fee and finance charge, resulting in an $87.54 credit balance. A refund check has been requested. Please allow 10-14 days to receive the check under separate cover. 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, Jenny W[redacted] Jenny W[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received your additional complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to help answer your questions. I appreciate the opportunity to assist you with your concerns.We understand from your additional complaint that you are questioning a matter regarding the routing number associated with your financial institution. You are requesting an answer regarding why, or if, the Bank drops the first zero of the routing number. We previously received and responded to your complaint submitted to the Revdex.com regarding this same matter on August 27, 2015, September 11, 2015, September 21, 2015, October 2, 2015, and October 14, 2015. Please refer to the previous response dated October 14, 2015, regarding the matter of the routing number. Please understand that Comenity Bank’s decision remains unchanged and the Bank considers this matter closed.We hope you find this information helpful. If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank previously issued the Ideal Image VIP credit card.We are here to answer your questions and assist with your concerns.In your correspondence, you indicate payment was made on the...
due date, yet a late fee wascharged. You state the Bank posted the payment one day after it was submitted, but refuses tocredit the late fee. You are unhappy with the customer service you received.We have reviewed the concerns noted in your correspondence, and we would like to provide youwith the following information.The online payment you made on December 7, 2017, for $300.00 was submitted at 8:59 p.m.Eastern Time (ET), which was after the cut-off timeframe of 8:00 p.m. ET for same-dayprocessing; therefore, the payment was not posted to your account until the following day. Pleasebe advised that our payment cut-off timeframes are disclosed on your monthly billing statementunder a section called "Payments". All fees are valid and they were assessed in accordance toyour Credit Card Agreement.We have reviewed the concerns in your correspondence, as well as the applicable AccountCenter secure messages. 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 toproviding the best customer service and are disappointed when a customer feels this standardwas not met.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rachel R[redacted]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. You state the Bank has reported the above-referenced account to the credit reporting agencies as being more than 30 days past due, which is not true. You further state you paid this account in full several days before it was reported as late. You are requesting to have your credit report corrected to reflect as not late with a zero balance. We have reviewed your account and we are happy to share our findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement. Additionally, if an account is two or more billing periods past due, the delinquency may be reported to the credit reporting agencies. On March 9, 2017, a billing statement was issued reflecting a balance of $542.26, and a minimum payment of $28.00, due by April 4, 2017. A payment of $30.00 posted to the account on April 6, 2017. On April 8, 2017, a billing statement was issued reflecting a balance of $551.68, and a minimum payment of $28.00, due by May 4, 2017. As no payment was received, the account fell one billing period past due. On May 9, 2017, a billing statement was issued reflecting a balance of $975.07, and a minimum payment of $77.00, due by June 4, 2017. A payment of $77.00 posted to the account on May 16, 2017; however, as the payment was returned from your financial institution due to insufficient funds, a debit of $77.00 posted to the account on May 24, 2017. As a result, the account fell two billing periods past due, and was reported to the credit bureaus as a 30 day delinquency. On June 10, 2017, a payment of $1,034.21 posted to the account, and resulted in a zero balance. We understand your concern regarding your credit report. We have verified we are reporting the account payment information correctly to the credit reporting agencies, as we are required by law. On June 22, 2017, we sent a request to the credit reporting agencies to update the reporting of the account to reflect a zero balance. Please allow up to 45 days for the 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, Laura R[redacted] Compliance Dept. – Consumer Responses
Comenity Bank has received your complaint regarding the above-referenced account. Comenity Bank issues the PINK credit card account. We are here to answer your questions and assist with your concerns. We understand from your correspondence that you and your son-in-law each had...
$10.00 birthday coupons. You both attempted to use them on purchases at the retailer and were told that in order to use them you had to make a purchase for more than $10.00. You are asking that we issue $20.00 in gift certificates to compensate you both for not being allowed to use the two birthday coupons. Please understand that Comenity Bank and VICTORIA’S SECRET are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while the retailer is responsible for handling matters related to sales, merchandise processing, returns, and shipping. We apologize that you were unable to use your $10.00 birthday coupon in the store for your purchase. It is never our intention for a customer to be treated in a less than satisfactory manner. As a courtesy we have adjusted your account with a $10.00 credit that will be arriving to your home in a form of a check within the next 14 business days. In regard to your son-in-law having had a similar customer experience, he would need to contact the Bank directly on his own behalf for further assistance. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W
Dear Ms. [redacted]: Thank you for your recent complaint regarding the My BJ’s Perks™ MasterCard® account. Comenity Capital Bank issues My BJ’s Perks™ MasterCard® accounts, and we are here to help with your account-related questions. I appreciate this opportunity to address your...
concerns. We understand from the complaint that you made a settlement agreement with the Bank in April 2015 with payments being scheduled through January 2016. In February 2016, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due. You are requesting that the account is reported as paid in full. We apologize for any frustration or inconvenience you may have experienced as a result of this matter. Bank records indicate that on April 7, 2015, ten equal payments of $193.00 were scheduled for April 7, 2015, through January 7, 2016, to settle the account balance. Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debt. Please be assured that we have updated our records to reflect the account as paid in full for less than the full balance. Additionally, this information has been sent to the national credit-reporting agencies. Please allow 45 days for them to update their records. In the meantime, please use this letter to confirm that the account has been settled, and no balance is due. We hope this information has been helpful. If you need assistance with your account, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]
Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues Venus credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you notified the Bank that a...
charge on your account was being disputed because you had not received the item. However, your account was charged late fees and finance charges while you were disputing the charge. You are requesting that the fees be waived and any delinquencies on your credit bureau report be removed. I understand your concerns, and apologize for any confusion or frustration this may have caused you. Our records indicate that on May 30, 2017, a total credit of $39.35 was issued to your account. As of the date of this letter, please be advised that your account balance is zero. Furthermore, please be advised that your account was not reported as delinquent to the national credit-reporting agencies. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
we never were told percent of interest, before or after comenity bank came on the scene........we never purchased anything from roamans,.........we never consented to the interest charged.....we are only paying for articles purchased and we do not accept the rate of interest, which we still do not know what it is.......we requested a paper statement from woman within, to no avail.......we are not paying another penny, until we have a paper statement, and have decided what will pay them....woman within is not honest.......thankyou......
I am rejecting this response because:
Regards, [redacted]
We received your additional complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN 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. We understand from your additional complaint that you never received the statements letting you know when your zero interest plan was going to end. You state that you had planned to pay of entire balance prior to being charged $350.00 in interest charges. You state that you wish to pay the balance and close the account. We apologize for any inconvenience this matter may have caused you. After careful review, we have determined that you enrolled in paperless statements on August 27, 2015, when you registered your account in our online Account Center. Your monthly statements were being sent to the email address you provided at registration, [redacted]@YAHOO.COM. We have no record of your statement ready email notifications being returned as undeliverable. Information regarding your promotional plans can be found on page 3 of your billing statement in the. “details of your plans” section. Bank records indicate that a credit in the amount of $175.00 was issued to your account as courtesy to reverse half of the previously assessed interest charges. A payment of $25.00 was received on November 6, 2016. Please be advised that as of the date of this letter, the balance on your account is now zero. Thank you for continuing to shop with Pottery Barn. We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Marathon credit card. We are here to answer your questions and assist with yourconcerns.We understand from your complaint, address to the Revdex.com, that you assumed by...
addingyour banking information on our Account Center, that automatic payments would be set up. You found thatthis was not the case, and the account was assessed a late fee. You state you made the payment anddestroyed the Marathon credit card. After receiving an email advising you that the account still had abalance of $34.00, you reached out to the Bank and were advised that the balance was a late fee. You arerequesting the account closed and the late fee removed.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Although we found no billing errors on the Bank’s part, as a courtesy, a credit of $34.00 have been appliedto the account for the late fee and finance assessed to the account due to this matter. This credit will bringthe account balance to zero.On March 9, 2017, the account was closed per your request.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.
Dear Mr. [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our...
deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.After reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted]We received your complaint submitted to the Revdex.com regarding the above-referencedaccount As the bank that issues Express credit card accounts, we respond to all account-relatedquestions Your correspondence was forwarded to my attention, and I appreciate the opportunity...
torespond to your concerns.We understand from your complaint, you believe you were improperly charged a pay-by-phone fee of$15 00, for a payment you made with a Bank associate over the telephone to cover an outstandingbalance on your Express credit card account You also state during that same telephone call, you werenot given the correct balance information in order to bring your Express account current Additionally, youhave asked the Bank to close your account.We recently responded to the Federal Deposit Insurance Corporation (FDIC), regarding this complaint onMay 8,2015 Enclosed is a copy of the response for your records.We hope this information is helpful Should you have any other questions or concerns regarding thisaccount, please feel free to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ( ###-###-####) I will be happy to assist you.Sincerely,[redacted]
Dear Ms. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedapplication. Comenity Capital Bank issues El Dorado credit card accounts, and werespond to all account-related questions. Your compliant was forwarded to my attention, and 1appreciate this...
opportunity to assist you.Your complaint states that you applied for an El Dorado credit card and you were denied. Youfurther indicate that you contacted Experian, and they have confirmed your correct address islisted on your credit report. Furthermore you indicate that you have lived at the address listedabove since 2005, you are requesting we reconsider your application.We apologize for any frustration or inconvenience you may have experienced because of thismatter. Per your correspondence, we have reviewed the information submitted with your Revdex.comcomplaint. With the information provided we were able to override the information showing onyour credit report and approve your application.Congratulations, you have been approved for an El Dorado credit card account with $8,500.00available credit. You will receive a welcome kit which includes your credit card at the addresslisted above within seven to ten business days.We hope you find this information helpful. If you have any further questions please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-#### ). I will be happy to assist you.Sincerely,Rosa M[redacted]
My complaint was based on their findings that they said they sent out, however to this date (3/14/16), I have still not received anything in the mail. They settled and closed the case based on being verbally told by the merchant it was delivered, but never checked with me or asked for confirmation of delivery, simply took their word for it. I have since contacted both the merchant and Comenity AGAIN, and Comenity is currently investigating, however this has become such a hassle considering it is as simple as I used their card to purchase and item with promised delivery in writing by a certain date, that never happened and now I can not get my money back from the company and Comenity is holding the money from my available funds.Comenity has also been sent a copy of a receipt I was given in person when purchasing my item and my receipt shows purchase and signature for $200, however company charged $800, and Comenity is holding $800 of my available credit. I should have some insurance given it is an insured company using the MasterCard logo and I should be protected from instances like this. I would think it is as simple as they legally broke their contract with me by one charging a different amount and two not delivering by their specified date. So I would be entitled to my money back or returned to the credit available on my credit card.
Regards,
[redacted]
They closed my accounts without my notice. They can reopen the accounts . I know this because they opened them up the last time they did this to me over the same issue... Why then could you reopen them but now you can't. I think you are a scam. I will be going into the stores and I will tell everyone I know how I was treated. your policy all of a sudden...? it is a bad one. You will only cause businesses to lose in the end.If you look I have always paid my bills. I will win in the end of this. [redacted]
Dear Ms. [redacted]: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues New York & Company credit cards, and we are here to answer all of your account-related questions....
Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the late fees, and that you did not receive monthly billing statements in the mail. We apologize for any inconvenience or frustration that this matter may have caused you. Our records indicate that your New York & Company account was registered with our Account Center, which provides accountholders the ability to view statements and make payments online. Additionally, the paperless statement option was chosen. Statement ready emails were sent to the email address you provided at registration:[redacted] Please understand that Comenity Bank does not have the ability to enroll customers into paperless statements; this option can only be chosen by the customer via Account Center. Additionally, should an account that is enrolled in paperless statements become two billing periods past due, a paper statement will also be issued. Please keep in mind that your payment due date is the 3rd of each month. If payments are not received, are received after the due date, or are less than the minimum due, a late fee will be assessed to the account as per the Credit Card Agreement. In the interest of customer service, we have issued credit in the amount of $28.46 for the previously assessed fees on your account. At this time the account balance is zero. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Melissa L[redacted]
I have filled all forms attached in the previous responding emails from Comenity Bank and mailed them back to the address provided.Here are the copies.
Dear [redacted]Comenity Capital Bank has received your correspondence, on behalf of your husband, [redacted], regarding the above-referenced credit card account. Comenity Capital Bank issues the Zales credit card. We are here to answer your questions and assist with your concerns.We understand...
your concerns explained in the complaint. Please be aware, as you are not the primary accountholder and the Bank does not have documentation that you have Power of Attorney over [redacted], we are unable to assist you with your request and/or make changes to the account. As such, we are responding directly to [redacted], the primary accountholder.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]
We received your additional complaint, regarding the above-referenced account. As the bank that issueswayfair@ credit card accounts, we are here to help answer your account-related concerns. Yourcorrespondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint, that you are rejecting our original Revdex.com response for the followingreasons:1. You state while you were speaking with the Bank the day you submitted this complaint; you wereadvised that your account was no longer in dispute, and that you would receive a refund within 20-21 days, and that your account showed a credit of $550.092. If you are not owed the refund of $550.09, you are requesting to be refunded the extra financecharges you paid off as a result of this matter3. You are requesting a copy of your July 2016 billing statement.4. You are disputing the dates and charges listed in the previous Bank response.Please note, Bank records indicate this matter has already been investigated and a response waspreviously issued on September 16, 2016. 1 have enclosed a copy of our previous response, as well ascopies of the billing statements which include the July 2016 billing statement as you requested. Thesebilling statements show the account activity that comprised the account balance for your records.Please note, as of September 26, 2016, the provisional credit of $550.09, has been removed from yourwayfaia credit card account, which will bring your balance to zero.In the interest of customer service, credits for finance charges totaling $32.32, have been issued, resultingin credit balance. Please be assured, we have issued a refund in this amount and you should receive therefund in a separate mailing within 7-1 0, business days.We apologize for any frustration or inconvenience this matter may have caused you, and hope thisinformation is helpful. Should you have any further questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext. [redacted] (TDDmY 1-800-695-1 788). 1 will be happy to assistyou.Sincerely, Jeanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
1) The credit union has already submitted the documentation. The check image is attached (and is also included in the message they submitted to the Revdex.com directly). 2) I just checked my Transunion and Equifax credit reports. Both show the following: Worst Payment Status: 30-59 days lateTimes 30/60/90 days late: 1/0/0Please correct and confirm. I have attached a PDF for each. I think it's safe to assume that the same information is also reported to Experian. If this is not the case, can you please provide documentation that shows otherwise.
Regards,[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. The Bank received your complaint in which you state that...
your account was assessed a late fee. You attempted to contact the Bank via our secure messaging center; however, you were advised to call our Customer Care team. You are requesting that the Bank issue a credit for the late fee and send you a refund check. We understand your concerns, and apologize for any frustration this may have caused you. Our records indicate that on April 6, 2017, the Bank issued a statement showing a balance of $300.68 with a minimum payment of $25.00 due by May 2, 2017. The Bank received a payment of $300.68 on May 4, 2017. As a result of the payment being received after the due date, a late fee was assessed to your account. On May 7, 2017, a statement was issued to you showing a balance of $30.73 with a minimum payment of $27.00 due by June 2, 2017. On May 13, 2017, a purchase of $53.26 posted to your account. In addition the Bank received three return credits totaling $110.07. On June 2, 2017, the Bank received a payment of $30.73, which left a credit balance of $56.81. Although Comenity Bank did not find any billing errors with the account, we have issued a total credit of $30.73, for the previously assessed late fee and finance charge, resulting in an $87.54 credit balance. A refund check has been requested. Please allow 10-14 days to receive the check under separate cover. 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, Jenny W[redacted] Jenny W[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received your additional complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to help answer your questions. I appreciate the opportunity to assist you with your concerns.We understand from your additional complaint that you are questioning a matter regarding the routing number associated with your financial institution. You are requesting an answer regarding why, or if, the Bank drops the first zero of the routing number. We previously received and responded to your complaint submitted to the Revdex.com regarding this same matter on August 27, 2015, September 11, 2015, September 21, 2015, October 2, 2015, and October 14, 2015. Please refer to the previous response dated October 14, 2015, regarding the matter of the routing number. Please understand that Comenity Bank’s decision remains unchanged and the Bank considers this matter closed.We hope you find this information helpful. If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank previously issued the Ideal Image VIP credit card.We are here to answer your questions and assist with your concerns.In your correspondence, you indicate payment was made on the...
due date, yet a late fee wascharged. You state the Bank posted the payment one day after it was submitted, but refuses tocredit the late fee. You are unhappy with the customer service you received.We have reviewed the concerns noted in your correspondence, and we would like to provide youwith the following information.The online payment you made on December 7, 2017, for $300.00 was submitted at 8:59 p.m.Eastern Time (ET), which was after the cut-off timeframe of 8:00 p.m. ET for same-dayprocessing; therefore, the payment was not posted to your account until the following day. Pleasebe advised that our payment cut-off timeframes are disclosed on your monthly billing statementunder a section called "Payments". All fees are valid and they were assessed in accordance toyour Credit Card Agreement.We have reviewed the concerns in your correspondence, as well as the applicable AccountCenter secure messages. 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 toproviding the best customer service and are disappointed when a customer feels this standardwas not met.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rachel R[redacted]
...
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. You state the Bank has reported the above-referenced account to the credit reporting agencies as being more than 30 days past due, which is not true. You further state you paid this account in full several days before it was reported as late. You are requesting to have your credit report corrected to reflect as not late with a zero balance. We have reviewed your account and we are happy to share our findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement. Additionally, if an account is two or more billing periods past due, the delinquency may be reported to the credit reporting agencies. On March 9, 2017, a billing statement was issued reflecting a balance of $542.26, and a minimum payment of $28.00, due by April 4, 2017. A payment of $30.00 posted to the account on April 6, 2017. On April 8, 2017, a billing statement was issued reflecting a balance of $551.68, and a minimum payment of $28.00, due by May 4, 2017. As no payment was received, the account fell one billing period past due. On May 9, 2017, a billing statement was issued reflecting a balance of $975.07, and a minimum payment of $77.00, due by June 4, 2017. A payment of $77.00 posted to the account on May 16, 2017; however, as the payment was returned from your financial institution due to insufficient funds, a debit of $77.00 posted to the account on May 24, 2017. As a result, the account fell two billing periods past due, and was reported to the credit bureaus as a 30 day delinquency. On June 10, 2017, a payment of $1,034.21 posted to the account, and resulted in a zero balance. We understand your concern regarding your credit report. We have verified we are reporting the account payment information correctly to the credit reporting agencies, as we are required by law. On June 22, 2017, we sent a request to the credit reporting agencies to update the reporting of the account to reflect a zero balance. Please allow up to 45 days for the 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, Laura R[redacted] Compliance Dept. – Consumer Responses
Comenity Bank has received your complaint regarding the above-referenced account. Comenity Bank issues the PINK credit card account. We are here to answer your questions and assist with your concerns. We understand from your correspondence that you and your son-in-law each had...
$10.00 birthday coupons. You both attempted to use them on purchases at the retailer and were told that in order to use them you had to make a purchase for more than $10.00. You are asking that we issue $20.00 in gift certificates to compensate you both for not being allowed to use the two birthday coupons. Please understand that Comenity Bank and VICTORIA’S SECRET are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while the retailer is responsible for handling matters related to sales, merchandise processing, returns, and shipping. We apologize that you were unable to use your $10.00 birthday coupon in the store for your purchase. It is never our intention for a customer to be treated in a less than satisfactory manner. As a courtesy we have adjusted your account with a $10.00 credit that will be arriving to your home in a form of a check within the next 14 business days. In regard to your son-in-law having had a similar customer experience, he would need to contact the Bank directly on his own behalf for further assistance. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W
Dear Ms. [redacted]: Thank you for your recent complaint regarding the My BJ’s Perks™ MasterCard® account. Comenity Capital Bank issues My BJ’s Perks™ MasterCard® accounts, and we are here to help with your account-related questions. I appreciate this opportunity to address your...
concerns. We understand from the complaint that you made a settlement agreement with the Bank in April 2015 with payments being scheduled through January 2016. In February 2016, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due. You are requesting that the account is reported as paid in full. We apologize for any frustration or inconvenience you may have experienced as a result of this matter. Bank records indicate that on April 7, 2015, ten equal payments of $193.00 were scheduled for April 7, 2015, through January 7, 2016, to settle the account balance. Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debt. Please be assured that we have updated our records to reflect the account as paid in full for less than the full balance. Additionally, this information has been sent to the national credit-reporting agencies. Please allow 45 days for them to update their records. In the meantime, please use this letter to confirm that the account has been settled, and no balance is due. We hope this information has been helpful. If you need assistance with your account, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]
Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues Venus credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you notified the Bank that a...
charge on your account was being disputed because you had not received the item. However, your account was charged late fees and finance charges while you were disputing the charge. You are requesting that the fees be waived and any delinquencies on your credit bureau report be removed. I understand your concerns, and apologize for any confusion or frustration this may have caused you. Our records indicate that on May 30, 2017, a total credit of $39.35 was issued to your account. As of the date of this letter, please be advised that your account balance is zero. Furthermore, please be advised that your account was not reported as delinquent to the national credit-reporting agencies. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
we never were told percent of interest, before or after comenity bank came on the scene........we never purchased anything from roamans,.........we never consented to the interest charged.....we are only paying for articles purchased and we do not accept the rate of interest, which we still do not know what it is.......we requested a paper statement from woman within, to no avail.......we are not paying another penny, until we have a paper statement, and have decided what will pay them....woman within is not honest.......thankyou......
I am rejecting this response because:
Regards, [redacted]
We received your additional complaint, addressed to the Revdex.com, regarding the credit card account referenced above. Comenity Bank issues POTTERY BARN 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. We understand from your additional complaint that you never received the statements letting you know when your zero interest plan was going to end. You state that you had planned to pay of entire balance prior to being charged $350.00 in interest charges. You state that you wish to pay the balance and close the account. We apologize for any inconvenience this matter may have caused you. After careful review, we have determined that you enrolled in paperless statements on August 27, 2015, when you registered your account in our online Account Center. Your monthly statements were being sent to the email address you provided at registration, [redacted]@YAHOO.COM. We have no record of your statement ready email notifications being returned as undeliverable. Information regarding your promotional plans can be found on page 3 of your billing statement in the. “details of your plans” section. Bank records indicate that a credit in the amount of $175.00 was issued to your account as courtesy to reverse half of the previously assessed interest charges. A payment of $25.00 was received on November 6, 2016. Please be advised that as of the date of this letter, the balance on your account is now zero. Thank you for continuing to shop with Pottery Barn. We hope you find this information helpful. If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted] Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Marathon credit card. We are here to answer your questions and assist with yourconcerns.We understand from your complaint, address to the Revdex.com, that you assumed by...
addingyour banking information on our Account Center, that automatic payments would be set up. You found thatthis was not the case, and the account was assessed a late fee. You state you made the payment anddestroyed the Marathon credit card. After receiving an email advising you that the account still had abalance of $34.00, you reached out to the Bank and were advised that the balance was a late fee. You arerequesting the account closed and the late fee removed.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Although we found no billing errors on the Bank’s part, as a courtesy, a credit of $34.00 have been appliedto the account for the late fee and finance assessed to the account due to this matter. This credit will bringthe account balance to zero.On March 9, 2017, the account was closed per your request.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.
Dear Mr. [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our...
deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.After reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]