Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the JD Williams credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, addressed to...
the Revdex.com, regarding the above-referenced account that you purchased a jacket and returned this merchandise. At the time of purchase you made a payment of $33.76 before you received the item and the remaining balance on the purchase was $37.00. You indicate that you have received several statements with past due fees assessed to the account. You also state that you received a call from the Bank advising you that you have a balance on the account of $79.00. You are requesting a reason for these charges as the item was returned. 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, the account will be assessed a late fee, as explained in the Credit Card Agreement. On September 8, 2016, a statement was issued to you with a balance of $44.43 and a minimum due payment of $19.57 due on October 4, 2016. A payment of $29.86 was received on September 30, 2016, on October 6, 2016, this payment was returned from your bank as unable to locate the account. As such a return payment fee was assessed to the account. On October 9, 2016, a statement was issued to you with a balance of $50.41 and a minimum due payment of $10.00 due on November 4, 2016. As no payment was received by this date late fee and finance charges were assessed to the account. On November 8, 2016, a statement was issued to you with a balance of $87.96 and a minimum due payment of $27.00 due on December 4, 2016. A purchase of 67.50 was placed on the account on October 12, 2016 and a payment of $33.76 was made on October 21, 2016. On December 9, 2016, a statement was issued to you with a balance of $50.44 and a minimum due payment of $25.46 due on January 4, 2017. As no payment was received by this date a late fee and finance charge was assessed to the account. On November 10, 2016, a merchandise return was credited on your account of $67.50. On January 9, 2017, a statement was issued to you with a balance of $79.45 and a minimum due payment of $30.46 due on February 4, 2017. Enclosed are all statements mentioned above for your review. As of the date of this letter, the balance on the account is $79.45, and the account reflects two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit-reporting agencies as an unpaid debt. As the Bank finds these fees valid, we are unwilling to remove any fees from the above-referenced JD Williams account. Please be advised that fees were assessed to the account due to a remaining balance from October 2016 not due to the return merchandise. 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]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the [redacted] credit account. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence, submitted to the Revdex.com, that in May 2016 you purchased a pellet stove that was offered with 12 months interest free financing. Per the first statement, your payment was due on June 20, 2016, which led you to believe you had until June 2017 to pay off the charge. You state you received a statement in May 2017 with interest charges of $763.72 due to the promotional balance not being paid in full before it expired.. You are requesting that the interest charge is removed due to you only had 11 months of interest free financing and not the 12 months of interest free financing as promised. Our records indicate on May 13, 2016, a purchase of $4,244.78 posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on May 14, 2017. For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance. Please be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”. Additionally, beginning with the March 2017 billing statement, notification was provided which advised your promotional plan was expiring soon. I have enclosed your billing statements for your review. Please be advised that a statement was issued to you on April 24, 2017, showing a balance of $694.78 with a minimum payment of $30.00 due by May 20, 2017. Under the “details of your plans” section of your statement, it stated that the promotional balance of $694.78 needed to be paid in full by May 14, 2017, to avoid paying accrued interest. The Bank received a payment of $350.00 on May 1, 2017. As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $763.72 was assessed to your account on May 25, 2017, and the remaining promotional balance of $344.78 was moved to revolving, which is subject to normal monthly finance charges. As of the date of this letter, the balance on the account is $1,108.50 with a minimum payment of $39.00 due by June 20, 2017. In regard to your question of the promotional plan being only 11 months, please be assured the purchase was placed on a 12 month interest free promotional plan as the purchase date was May 13, 2016, expiring on May 14, 2017. 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, [redacted] Compliance Dept. – Consumer Responses
Because I was told that the late fee was not going to effect my credit score, because it was woman within fault for not sending the bill on time. I am never received the bill on time. I always pay my bills on time. I want the late fee to be take off and readjust my credit score. I will not accept anything futher until this matter is resolved. Woman within made the mistake they should fix it. Regards, [redacted]
Dear Mr. [redacted]We are in receipt of your complaint regarding the above-referenced account. Comenity Bankissues BEALLS credit card accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.I understand from your complaint, in July you were informed your Bealls credit card account hadbeen frozen due to non-payment. You state you were advised that when you make three monthsof consecutive payments, your account will be reinstated.You are requesting an apology from Comenity Bank for the miscommunication regarding youraccount being reinstated.We apologize for any frustration or inconvenience this matter may have caused you. Please beassured, Comenity Bank has completed a thorough investigation of your account, and would liketo share our findings:On December 29, 201 5, your Bealls credit card account was enrolled in the Customer HardshipProgram. One of the criteria of the hardship program, listed on the correspondence sent to youon December 30, 2015, stated: After three consecutive on-time payments, Comenity Bank willcredit your account for any late fees that were unpaid at the time you entered the CustomerHardship Program.In addition, on July 5, 2016, you reached out to Comenity Bank's Secure Messaging Center,addressing this matter. On July 7, 2016, our representative responded and advised that chargingprivileges on the Bealls account have been suspended at this time, because it has had recentpast due billings. Your account will be evaluated for reinstatement as you continue to makeconsistent, on-time payments.Please note, the information provided to you on July 7, 2016, was accurate. On June 22, 2016,your Bealls credit card account was closed, due to delinquency. When an account has beenclosed with this restriction, your spending privileges are suspended; however, the account will bereviewed systemically each month to determine if charging privileges can be reinstated. Pleasebe advised, reinstatement of your account is not guaranteed; however, you may improve yourchances of having charging privileges reinstated by making consistent on time payments.I hope you find this information to be helpful. Should you have additional questions or concernsabout the account, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
Dear Kristiana Moore: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues The Limited credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you spoke...
to our Customer Service representative regarding your payment on February 9, 2017. While on the phone with our representative, you were advised of the $9.00 payment processing fee. You state that our representative advised you to submit your payment via our automated phone system to avoid the $9.00 processing fee. When you attempted to submit your payment, the automated phone system did not accept your payment and you were transferred to a Customer Service representative who advised that the only way to submit your payment was by paying the $9.00 processing fee. Furthermore, you are requesting to have the remaining balance cleared from your account. Bank records indicate your payment due date is the 7th of every month. The Limited account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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, the account will be assessed a late fee, as explained in the Credit Card Agreement. Due to a late fee credit that was issued to the account on February 9, 2017, your account is not eligible to have an additional late fee credited. The balance on your account is $30.97 with a minimum payment of $27.00 due on April 7, 2017, and Comenity Bank finds your balance to be valid. 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
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Overstock Store credit card. We are hereto answer your questions and assist with your concerns.We previously received and responded to your correspondence, submitted to the Better BusinessBureau, regarding this same matter. Please find enclosed a copy of our response datedSeptember 22, 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,Alyson F[redacted]Compliance Dept. – Consumer Responses
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
* Dear [redacted]: We have received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues the above-referenced credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the [redacted], regarding this same matter. Please find enclosed a copy of our response sent to you on February 25, 2016. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted] Kaija M[redacted] Consumer Relations Specialist CC: Revdex.com Tell us why here...
Dear [redacted]: We received the complaint regarding the above-noted account. Comenity Bank issues Coldwater Creek [redacted]® accounts, and we are here to help with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. In your complaint you state that you received a notice from the Bank advising you that the Annual Percentage Rate (APR), on your account would be increased due to a reduction in your credit score. You further state that you contacted the Bank and the automated system advised that you were out of the grace period to close your account and keep the current APR. You are requesting that the APR on your account not be raised. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. After reviewing your account, our records indicate that the APR on your account is 15.24%. Please be assured that this APR will not increase, as you closed your account within the grace period. The balance on your account is $7,545.94 and a minimum payment of $171.00 is due by December 18, 2015. We hope this information is helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] ([redacted]
[redacted]). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Comenity BankPO Box 182025Columbus, Ohio 43218-2025October 23,2015Percy Newland9861 Red Heart LaneTamarac, FL 33321-6323RE: JCrew Credit Card Account Ending In 2167Revdex.com Complaint ID # 10849374Dear Percy Newland:We received your additional complaint, addressed to the Better...
Business Bureau, regarding theaccount referenced above. Comenity Bank issues JCrew credit card accounts, and we are hereto assist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you have provided proof that the payment was debitedfrom your bank account, and was later credited back to your bank account. Please accept ourapology for any frustration that you may have experienced regarding this matter.Please be advised, although we are still unable to locate a returned payment, we do recognizefrom your bank statement, that you attempted to pay your account in January of 2014.In the interest of customer service, due to this account being reported as a write off, ComenityBank sent a request to the national credit-reporting agencies to delete the account from yourcredit report, in its entirety. Please allow up to 45 days for this information to be updated in theirrecords.We hope you have found this information helpful. If you have any further questions, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,Amanda R[redacted]
We received your complaint. submitted to the Revdex.com, regarding the above-referencedaccount Comenity Bank issues PINK/Victoria's Secret credit cards, and we are here to help answer allaccount-related questions. Your complaint was forwarded to my attention for review, and I appreciate...
theopportunity to assist you.Your complaint states that your credit card account was recently declined for a purchase and that you paid thebalance in full on May 16, 2015. You contacted the Bank's Customer Care team to find out that your limit wascancelled based on multiple late payments. You believe that the Bank should reinstate your credit cardaccount or provide you with credits. as you were never advised that the account would be cancelled. Pleasefind a summary of the PINK/Victoria's Secret account below. I have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of your billing statements, which show the account activity thatcomprised the account balance and delinquencies.A charge for $180.37 posted to your account on September 30,2014. On October 7, 2014, a monthly billingstatement was sent to you, and payment of $25.00 was due on November 2,2014; payment was not received.A billing statement was sent to you on November 6. 2014, and payment of 1635.00 was due on December 2,2014. Payment far $50.00 was made at the store and posted to your aecount on December 3, 2014, whichbrought the account current.On December 7,2014, and January 7, 2015, billing statements were issued to you, and payments were due onJanuary 2, 2015, and February 2, 2015. Payment for $70.00 was made by telephone with the Bank and postedto your account on March 4, 2015. As a result of the late payment, the account became two billing periods pastdue and was reported as 30-days delinquent to the credit bureaus for February 2015.Furthermore, on March 7, 2015, and April 6, 2015, billing statements were issued to you, and payments weredue on April 2,2015, and May 2,2015. Payment for $316.43 was received on May 16, 2015. As a result of thelate payments, the account became two billing periods past due and was reported as 30 days delinquent to thecredit bureaus for May 2015. Also, at this time, the PINK/Victoria's Secret account was not terminated;however, the account credit limit was suspended and decreased to zero.As no Bank errors were found, we are unwilling to automatically reinstate the credit limit, or issue credit to theaccount. If you would like to apply for a credit limit increase, you may do so by calling our Customer Careteam, toll free, at 1.800.695.9478. Please keep in mind, the Bank will review a current credit bureau report.We apologize for any confusion or frustration you have experienced, and we hope this information is helpful. Ifyou have further questions regarding this letter, please do not hesitate to contact me at 1.800.675.5685, sxt.[redacted] (TDD/TTY 1.800.695.1788). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations SpecialistCC: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the DentalFirst Financing credit card. We are here to answer your questionsand assist with your concerns.We understand from your correspondence, submitted to the Better...
Business Bureau, that you haverequested that the Bank not call 10 to 12 times a day. You state that you are working on catching up thepast due amount. The calls are now harassing. You are requesting that the communications are only bymail.We have reviewed the concerns in your correspondence as well as the applicable telephone conversation.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.We want you to have a positive customer experience with the Bank, and we have updated your phonenumbers ending in [redacted] and [redacted] with “Do not Call” instructions.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status. We appreciate your business, and we want to share with you some options that may beavailable to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. Youmay be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-TermWorkout Program. These programs can provide customers with special terms in order to help bring theaccount current. If you are interested in obtaining information on whether you qualify for one of theseprograms, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit ConsumerCredit Counseling Service (CCCS) organization for assistance. Their programs can provide options suchas reducing the interest rate and the minimum payment requirement and could include all of your creditors.We support and participate in the programs provided by the CCCS agencies. Should you wish to obtaininformation regarding their programs and for a member agency located near you, please contact theNational Foundation for Credit Counseling at (800) 388-2227.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you opened an Eddie Bauer® account and although you gave your address, you never received your statement or your credit card. You indicate that you started receiving telephone calls regarding the balance on the account. During these conversations you were asked for your address, and then you asked the caller what address was on file for your account. You were advised that the Bank was unable to give you this information. At that time you called the corporate office to speak to [redacted] and spoke to the secretary, and were again asked for your address. You state that you gave her your address, and never heard back regarding this matter. Eventually a statement was sent and the statement had the wrong billing address. You made a payment for the original charge omitting the fees assessed to the account; however, you state you are still receiving calls from the Bank. You are requesting the account be closed. I am happy to share my findings with you. We requested you verify your current address and last four digits of your social security number. Because you declined to verify this information, we were unable to provide you with your account information. In an effort to protect our consumers, we will not release account information unless consumers verify their identity. We apologize for any frustration; however, please be assured this practice is designed to keep your personal information safe. After a thorough review of the account, our records indicate that the statements were returned to the Bank as “not deliverable as addressed/unable to forward”. Please be assured that credits of $45.57 were applied to the account for the fees that were assessed to the account; due to the incorrect address on the account. As of the date of this letter, the account the balance is zero. Per you request, the account was closed on November 13, 2015. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your...
complaint that you have been a victim of identity theft, and that your HSN account was fraudulently used without your knowledge and/or consent. As such, you are disputing the outstanding balance of $2,442.00. Furthermore, you are requesting Comenity Capital Bank remove the fraudulent balance from the account, provide you with an accurate statement reflecting the removal, and cease from reporting inaccurate information to the credit-reporting agencies, regarding the fraudulent account balanceWe understand your concerns, and we sincerely apologize for any frustration this matter may have caused you. Please be assured, Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud, which may include contact with various local, state and federal law enforcement agencies.Thank you for providing a copy of the police report from the [redacted] Police Department. We have forwarded the documentation to our Account Protection (Fraud) team for investigation. Your claim has been assigned fraud case number [redacted], and the case investigator is [redacted]. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome.We hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at 1-800-888-1726 (TDD/TTY 1-888-819-1918) and refer to case number [redacted]-5. They will be happy to assist you.Sincerely,Lauren S[redacted]Consumer Relations SpecialistCC: Revdex.com
Asking for me to send personal information which they already possess through the mail like my address, account numbers and social security is just another stalling technique. How many people by the name of [redacted] & [redacted] that sent them over $1395 twice do they have? Just more fraudulent tactics by a fraudulent bank.
Dear
Ms. [redacted]:
We received your complaint, addressed to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Younkers credit card
accounts, and we are here to assist with your account-related questions. Your complaint was...
forwarded to my attention,
and I appreciate the opportunity to respond to your concerns.
We
understand from your complaint to the Revdex.com that your Younkers
account was charged without your permission for
“Cookware/Bakeware” totaling $95.37.
After receiving this item via the United Parcel Service, you returned it requesting that the item be fully
credited to your account. Furthermore,
you state that you have been charged four times for the above item and you are
requesting to have $301.48 credited back to your account.
We
appreciate you contacting us about your
concerns and we would like to take this moment to explain our findings.
On
September 12, 2015, Bank records show your account was charged for
cookware/bakeware through Younkers Mail Order totaling $95.37. On October 10, 2015, your account was
credited $95.37 for the above cookware/bakeware item.
Prior
to the credit on October 10, 2015, Comenity Bank received your dispute concerning the above
charge. While we investigated this
matter, we issued your Younkers account
a temporary credit for the disputed amount and, if applicable, any related
finance charges. This credit appeared on
your November 1, 2015, billing statement as a “provisional credit”. During our investigation, your account was
credited for the above item on October 10, 2015; therefore, we reversed the
“provisional credit” issued on October 2, 2015.
This also appeared on your November 1, 2015, billing statement as a
“provisional credit reversal”.
In
our recent investigation, we did not see any additional charges for the
cookware/bakeware item; therefore, we are unwilling to credit your account for
the requested amount of $301.48 mentioned in your Revdex.com
complaint.
As
of the date of this letter, your account balance is $142.95 which includes a
recent store purchase of $140.20 on October 16, 2015.
We
hope you find this information helpful, and we sincerely apologize for any
confusion or inconvenience this matter has caused you. If you have any further questions about your
account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist
you.
Sincerely,
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you ordered online and returned some products...
to the store. You state that you were to receive credit for $220.42 back to your Pottery Barn account on January 9, 2017. You have not received credit for the return number #[redacted] and you would like credit of $220.42 applied to your account.Please be assured that I reviewed your account at the Bank and with Pottery Barn. I am happy to share my findings.Pottery Barn confirmed that order #[redacted]682 was placed on November 8, 2016. The return of the merchandise was on January 9, 2016, and outside of the written 30-day return policy for Pottery Barn. As such, the credit was issued to you in form of a merchandise card, valued at $220.42, on January 10, 2017. The merchandise card number is #[redacted]Because you were provided the merchandise credit, in the form of the card noted above, we are unwilling to credit your account. Enclosed is a copy of Pottery Barn’s return policy. If you have questions with regard to the merchandise credit, please contact Pottery Barn at ###-###-####.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]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Capital Bank issues the My Place Rewards credit card accounts. We are here to answer your questions and assist with your concerns. In your...
correspondence you state you missed a payment due to the loss of a family member and your credit card was reported past due. You would like their credit history updated. To address you concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. This change should reflected on your credit file within the next 45 business days. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F[redacted]
Dear Ms. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that while reviewing your credit file you noticed that a late payment was reported on your credit file. You also indicate that the Bank did not advise you of the missed payment. You are requesting that the Bank advise accountholders when they have missed a payment. I am happy to share my findings with you.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, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a thorough review of the account, our records indicate that a statement was issued to you on March 8, 2016, with a balance of $679.92 and a minimum payment of $30.00 due on April 3, 2016. As the no payment was received by the due date, another late fee and finance charges was assessed to the account. The Bank received your March minimum payment of $100.00 on March 3, 2016. Thank you for this payment. After this payment your balance became $594.09.On April 7, 2016, a statement was issued to you with a balance of $594.09 with a minimum payment due of $62.00 due on May 3, 2016. As no payment was received by the due date a late fee and finance charge was assessed to the account. Please be advised that the Bank contacts our customers regarding past due payments via the telephone numbers that are listed on their accounts. It appears that the Bank attempted to contact you several times via the telephone number ending in 8354 and 2957 to discuss this matter with you. It appears their attempts were unsuccessful.As of the date of this letter, the account balance is $537.58.A recent review of the information being reported to the credit-reporting agencies for your LANE BRYANT credit card account indicated a discrepancy. To address this matter, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report. Please allow 45 days for their records to be updated. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Dear Mrs. [redacted]:We received your complaint, addressed to the Revdex.com. Comenity Bank issues the Reeds® Jewelerscredit card accounts, and we respond to account-related questions. Your correspondence was forwarded to myattention, and I appreciate the opportunity to...
respond to your concerns.We understand your concerns as explained in the complaint. Bank records show that the Reeds® Jewelersaccount is listed in the name of [redacted]., as the primary accountholder. Because of this, the Bank is unable todiscuss or release account information to another party without Mr. [redacted]’ permission. Please be advised that we have sent a response to Mr. [redacted] directly regarding the account.We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please haveMr. [redacted] contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist.Sincerely, Ashley H[redacted]
[redacted]
Please see the attached response. Thank you.Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. ComenityBank issues the Victoria’s Secret credit card. We are here to answer your questions and assist with yourconcerns.In the correspondence, you indicate you...
purchased three gift cards that did not have any value when they wereattempted to be used. You state you were directed to return to the store; however, the store was unable to assistyou and advised you to contact the Bank. You explain that when calling the Bank, a supervisor advised you thatyou would receive three new gift cards, which you never received. You are requesting three gift cards, valued at$100.00 each. You are also requesting coupons for the sales missed during Christmas.Please note Comenity Bank and Victoria’s Secret are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Victoria’s Secret is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customers in aless-than-satisfactory manner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.We understand your concern regarding the gift cards that had no value. We attempted to contact you regardingthe gift cards; however, we were unsuccessful. We contacted Victoria’s Secret on your behalf to investigate thismatter. We received notification that the three original gift cards ending in 1338, 7348, and 9085, were devaluedin error. Victoria’s Secret has placed the original $100.00 value on each gift card. Furthermore, as Victoria’sSecret is not able to replace any coupons you were not able to use, an additional $100.00 has been added toeach gift card. We apologize for any inconvenience this has caused you and we thank you for your patiencewhile we worked to resolve this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Nicole FCompliance Dept. – Consumer Responses
Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the JD Williams credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, addressed to...
the Revdex.com, regarding the above-referenced account that you purchased a jacket and returned this merchandise. At the time of purchase you made a payment of $33.76 before you received the item and the remaining balance on the purchase was $37.00. You indicate that you have received several statements with past due fees assessed to the account. You also state that you received a call from the Bank advising you that you have a balance on the account of $79.00. You are requesting a reason for these charges as the item was returned. 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, the account will be assessed a late fee, as explained in the Credit Card Agreement. On September 8, 2016, a statement was issued to you with a balance of $44.43 and a minimum due payment of $19.57 due on October 4, 2016. A payment of $29.86 was received on September 30, 2016, on October 6, 2016, this payment was returned from your bank as unable to locate the account. As such a return payment fee was assessed to the account. On October 9, 2016, a statement was issued to you with a balance of $50.41 and a minimum due payment of $10.00 due on November 4, 2016. As no payment was received by this date late fee and finance charges were assessed to the account. On November 8, 2016, a statement was issued to you with a balance of $87.96 and a minimum due payment of $27.00 due on December 4, 2016. A purchase of 67.50 was placed on the account on October 12, 2016 and a payment of $33.76 was made on October 21, 2016. On December 9, 2016, a statement was issued to you with a balance of $50.44 and a minimum due payment of $25.46 due on January 4, 2017. As no payment was received by this date a late fee and finance charge was assessed to the account. On November 10, 2016, a merchandise return was credited on your account of $67.50. On January 9, 2017, a statement was issued to you with a balance of $79.45 and a minimum due payment of $30.46 due on February 4, 2017. Enclosed are all statements mentioned above for your review. As of the date of this letter, the balance on the account is $79.45, and the account reflects two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit-reporting agencies as an unpaid debt. As the Bank finds these fees valid, we are unwilling to remove any fees from the above-referenced JD Williams account. Please be advised that fees were assessed to the account due to a remaining balance from October 2016 not due to the return merchandise. 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]
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the [redacted] credit account. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence, submitted to the Revdex.com, that in May 2016 you purchased a pellet stove that was offered with 12 months interest free financing. Per the first statement, your payment was due on June 20, 2016, which led you to believe you had until June 2017 to pay off the charge. You state you received a statement in May 2017 with interest charges of $763.72 due to the promotional balance not being paid in full before it expired.. You are requesting that the interest charge is removed due to you only had 11 months of interest free financing and not the 12 months of interest free financing as promised. Our records indicate on May 13, 2016, a purchase of $4,244.78 posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on May 14, 2017. For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance. Please be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”. Additionally, beginning with the March 2017 billing statement, notification was provided which advised your promotional plan was expiring soon. I have enclosed your billing statements for your review. Please be advised that a statement was issued to you on April 24, 2017, showing a balance of $694.78 with a minimum payment of $30.00 due by May 20, 2017. Under the “details of your plans” section of your statement, it stated that the promotional balance of $694.78 needed to be paid in full by May 14, 2017, to avoid paying accrued interest. The Bank received a payment of $350.00 on May 1, 2017. As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $763.72 was assessed to your account on May 25, 2017, and the remaining promotional balance of $344.78 was moved to revolving, which is subject to normal monthly finance charges. As of the date of this letter, the balance on the account is $1,108.50 with a minimum payment of $39.00 due by June 20, 2017. In regard to your question of the promotional plan being only 11 months, please be assured the purchase was placed on a 12 month interest free promotional plan as the purchase date was May 13, 2016, expiring on May 14, 2017. 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, [redacted] Compliance Dept. – Consumer Responses
Because I was told that the late fee was not going to effect my credit score, because it was woman within fault for not sending the bill on time. I am never received the bill on time. I always pay my bills on time. I want the late fee to be take off and readjust my credit score. I will not accept anything futher until this matter is resolved. Woman within made the mistake they should fix it. Regards, [redacted]
Dear Mr. [redacted]We are in receipt of your complaint regarding the above-referenced account. Comenity Bankissues BEALLS credit card accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.I understand from your complaint, in July you were informed your Bealls credit card account hadbeen frozen due to non-payment. You state you were advised that when you make three monthsof consecutive payments, your account will be reinstated.You are requesting an apology from Comenity Bank for the miscommunication regarding youraccount being reinstated.We apologize for any frustration or inconvenience this matter may have caused you. Please beassured, Comenity Bank has completed a thorough investigation of your account, and would liketo share our findings:On December 29, 201 5, your Bealls credit card account was enrolled in the Customer HardshipProgram. One of the criteria of the hardship program, listed on the correspondence sent to youon December 30, 2015, stated: After three consecutive on-time payments, Comenity Bank willcredit your account for any late fees that were unpaid at the time you entered the CustomerHardship Program.In addition, on July 5, 2016, you reached out to Comenity Bank's Secure Messaging Center,addressing this matter. On July 7, 2016, our representative responded and advised that chargingprivileges on the Bealls account have been suspended at this time, because it has had recentpast due billings. Your account will be evaluated for reinstatement as you continue to makeconsistent, on-time payments.Please note, the information provided to you on July 7, 2016, was accurate. On June 22, 2016,your Bealls credit card account was closed, due to delinquency. When an account has beenclosed with this restriction, your spending privileges are suspended; however, the account will bereviewed systemically each month to determine if charging privileges can be reinstated. Pleasebe advised, reinstatement of your account is not guaranteed; however, you may improve yourchances of having charging privileges reinstated by making consistent on time payments.I hope you find this information to be helpful. Should you have additional questions or concernsabout the account, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
Dear Kristiana Moore: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues The Limited credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you spoke...
to our Customer Service representative regarding your payment on February 9, 2017. While on the phone with our representative, you were advised of the $9.00 payment processing fee. You state that our representative advised you to submit your payment via our automated phone system to avoid the $9.00 processing fee. When you attempted to submit your payment, the automated phone system did not accept your payment and you were transferred to a Customer Service representative who advised that the only way to submit your payment was by paying the $9.00 processing fee. Furthermore, you are requesting to have the remaining balance cleared from your account. Bank records indicate your payment due date is the 7th of every month. The Limited account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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, the account will be assessed a late fee, as explained in the Credit Card Agreement. Due to a late fee credit that was issued to the account on February 9, 2017, your account is not eligible to have an additional late fee credited. The balance on your account is $30.97 with a minimum payment of $27.00 due on April 7, 2017, and Comenity Bank finds your balance to be valid. 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
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Overstock Store credit card. We are hereto answer your questions and assist with your concerns.We previously received and responded to your correspondence, submitted to the Better BusinessBureau, regarding this same matter. Please find enclosed a copy of our response datedSeptember 22, 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,Alyson F[redacted]Compliance Dept. – Consumer Responses
March 2, 2016 [redacted]
[redacted]
[redacted]
*
[redacted] [redacted]
[redacted]
[redacted]
[redacted]...
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
* Dear [redacted]: We have received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues the above-referenced credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your concerns. We are also in receipt of your correspondence submitted to the [redacted], regarding this same matter. Please find enclosed a copy of our response sent to you on February 25, 2016. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kaija M[redacted] Kaija M[redacted] Consumer Relations Specialist CC: Revdex.com Tell us why here...
Dear [redacted]: We received the complaint regarding the above-noted account. Comenity Bank issues Coldwater Creek [redacted]® accounts, and we are here to help with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns. In your complaint you state that you received a notice from the Bank advising you that the Annual Percentage Rate (APR), on your account would be increased due to a reduction in your credit score. You further state that you contacted the Bank and the automated system advised that you were out of the grace period to close your account and keep the current APR. You are requesting that the APR on your account not be raised. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. After reviewing your account, our records indicate that the APR on your account is 15.24%. Please be assured that this APR will not increase, as you closed your account within the grace period. The balance on your account is $7,545.94 and a minimum payment of $171.00 is due by December 18, 2015. We hope this information is helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] ([redacted]
[redacted]). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Comenity BankPO Box 182025Columbus, Ohio 43218-2025October 23,2015Percy Newland9861 Red Heart LaneTamarac, FL 33321-6323RE: JCrew Credit Card Account Ending In 2167Revdex.com Complaint ID # 10849374Dear Percy Newland:We received your additional complaint, addressed to the Better...
Business Bureau, regarding theaccount referenced above. Comenity Bank issues JCrew credit card accounts, and we are hereto assist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you have provided proof that the payment was debitedfrom your bank account, and was later credited back to your bank account. Please accept ourapology for any frustration that you may have experienced regarding this matter.Please be advised, although we are still unable to locate a returned payment, we do recognizefrom your bank statement, that you attempted to pay your account in January of 2014.In the interest of customer service, due to this account being reported as a write off, ComenityBank sent a request to the national credit-reporting agencies to delete the account from yourcredit report, in its entirety. Please allow up to 45 days for this information to be updated in theirrecords.We hope you have found this information helpful. If you have any further questions, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,Amanda R[redacted]
We received your complaint. submitted to the Revdex.com, regarding the above-referencedaccount Comenity Bank issues PINK/Victoria's Secret credit cards, and we are here to help answer allaccount-related questions. Your complaint was forwarded to my attention for review, and I appreciate...
theopportunity to assist you.Your complaint states that your credit card account was recently declined for a purchase and that you paid thebalance in full on May 16, 2015. You contacted the Bank's Customer Care team to find out that your limit wascancelled based on multiple late payments. You believe that the Bank should reinstate your credit cardaccount or provide you with credits. as you were never advised that the account would be cancelled. Pleasefind a summary of the PINK/Victoria's Secret account below. I have enclosed a copy of the account CreditCard Agreement (CCA), as well as copies of your billing statements, which show the account activity thatcomprised the account balance and delinquencies.A charge for $180.37 posted to your account on September 30,2014. On October 7, 2014, a monthly billingstatement was sent to you, and payment of $25.00 was due on November 2,2014; payment was not received.A billing statement was sent to you on November 6. 2014, and payment of 1635.00 was due on December 2,2014. Payment far $50.00 was made at the store and posted to your aecount on December 3, 2014, whichbrought the account current.On December 7,2014, and January 7, 2015, billing statements were issued to you, and payments were due onJanuary 2, 2015, and February 2, 2015. Payment for $70.00 was made by telephone with the Bank and postedto your account on March 4, 2015. As a result of the late payment, the account became two billing periods pastdue and was reported as 30-days delinquent to the credit bureaus for February 2015.Furthermore, on March 7, 2015, and April 6, 2015, billing statements were issued to you, and payments weredue on April 2,2015, and May 2,2015. Payment for $316.43 was received on May 16, 2015. As a result of thelate payments, the account became two billing periods past due and was reported as 30 days delinquent to thecredit bureaus for May 2015. Also, at this time, the PINK/Victoria's Secret account was not terminated;however, the account credit limit was suspended and decreased to zero.As no Bank errors were found, we are unwilling to automatically reinstate the credit limit, or issue credit to theaccount. If you would like to apply for a credit limit increase, you may do so by calling our Customer Careteam, toll free, at 1.800.695.9478. Please keep in mind, the Bank will review a current credit bureau report.We apologize for any confusion or frustration you have experienced, and we hope this information is helpful. Ifyou have further questions regarding this letter, please do not hesitate to contact me at 1.800.675.5685, sxt.[redacted] (TDD/TTY 1.800.695.1788). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations SpecialistCC: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the DentalFirst Financing credit card. We are here to answer your questionsand assist with your concerns.We understand from your correspondence, submitted to the Better...
Business Bureau, that you haverequested that the Bank not call 10 to 12 times a day. You state that you are working on catching up thepast due amount. The calls are now harassing. You are requesting that the communications are only bymail.We have reviewed the concerns in your correspondence as well as the applicable telephone conversation.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.We want you to have a positive customer experience with the Bank, and we have updated your phonenumbers ending in [redacted] and [redacted] with “Do not Call” instructions.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status. We appreciate your business, and we want to share with you some options that may beavailable to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. Youmay be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-TermWorkout Program. These programs can provide customers with special terms in order to help bring theaccount current. If you are interested in obtaining information on whether you qualify for one of theseprograms, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit ConsumerCredit Counseling Service (CCCS) organization for assistance. Their programs can provide options suchas reducing the interest rate and the minimum payment requirement and could include all of your creditors.We support and participate in the programs provided by the CCCS agencies. Should you wish to obtaininformation regarding their programs and for a member agency located near you, please contact theNational Foundation for Credit Counseling at (800) 388-2227.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you opened an Eddie Bauer® account and although you gave your address, you never received your statement or your credit card. You indicate that you started receiving telephone calls regarding the balance on the account. During these conversations you were asked for your address, and then you asked the caller what address was on file for your account. You were advised that the Bank was unable to give you this information. At that time you called the corporate office to speak to [redacted] and spoke to the secretary, and were again asked for your address. You state that you gave her your address, and never heard back regarding this matter. Eventually a statement was sent and the statement had the wrong billing address. You made a payment for the original charge omitting the fees assessed to the account; however, you state you are still receiving calls from the Bank. You are requesting the account be closed. I am happy to share my findings with you. We requested you verify your current address and last four digits of your social security number. Because you declined to verify this information, we were unable to provide you with your account information. In an effort to protect our consumers, we will not release account information unless consumers verify their identity. We apologize for any frustration; however, please be assured this practice is designed to keep your personal information safe. After a thorough review of the account, our records indicate that the statements were returned to the Bank as “not deliverable as addressed/unable to forward”. Please be assured that credits of $45.57 were applied to the account for the fees that were assessed to the account; due to the incorrect address on the account. As of the date of this letter, the account the balance is zero. Per you request, the account was closed on November 13, 2015. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your...
complaint that you have been a victim of identity theft, and that your HSN account was fraudulently used without your knowledge and/or consent. As such, you are disputing the outstanding balance of $2,442.00. Furthermore, you are requesting Comenity Capital Bank remove the fraudulent balance from the account, provide you with an accurate statement reflecting the removal, and cease from reporting inaccurate information to the credit-reporting agencies, regarding the fraudulent account balanceWe understand your concerns, and we sincerely apologize for any frustration this matter may have caused you. Please be assured, Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud, which may include contact with various local, state and federal law enforcement agencies.Thank you for providing a copy of the police report from the [redacted] Police Department. We have forwarded the documentation to our Account Protection (Fraud) team for investigation. Your claim has been assigned fraud case number [redacted], and the case investigator is [redacted]. The investigation may take up to 90 days to be completed, and you will be notified by mail of the outcome.We hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at 1-800-888-1726 (TDD/TTY 1-888-819-1918) and refer to case number [redacted]-5. They will be happy to assist you.Sincerely,Lauren S[redacted]Consumer Relations SpecialistCC: Revdex.com
Asking for me to send personal information which they already possess through the mail like my address, account numbers and social security is just another stalling technique. How many people by the name of [redacted] & [redacted] that sent them over $1395 twice do they have? Just more fraudulent tactics by a fraudulent bank.
Dear
Ms. [redacted]:
We received your complaint, addressed to the
Revdex.com, regarding the above-referenced account. Comenity Bank issues Younkers credit card
accounts, and we are here to assist with your account-related questions. Your complaint was...
forwarded to my attention,
and I appreciate the opportunity to respond to your concerns.
We
understand from your complaint to the Revdex.com that your Younkers
account was charged without your permission for
“Cookware/Bakeware” totaling $95.37.
After receiving this item via the United Parcel Service, you returned it requesting that the item be fully
credited to your account. Furthermore,
you state that you have been charged four times for the above item and you are
requesting to have $301.48 credited back to your account.
We
appreciate you contacting us about your
concerns and we would like to take this moment to explain our findings.
On
September 12, 2015, Bank records show your account was charged for
cookware/bakeware through Younkers Mail Order totaling $95.37. On October 10, 2015, your account was
credited $95.37 for the above cookware/bakeware item.
Prior
to the credit on October 10, 2015, Comenity Bank received your dispute concerning the above
charge. While we investigated this
matter, we issued your Younkers account
a temporary credit for the disputed amount and, if applicable, any related
finance charges. This credit appeared on
your November 1, 2015, billing statement as a “provisional credit”. During our investigation, your account was
credited for the above item on October 10, 2015; therefore, we reversed the
“provisional credit” issued on October 2, 2015.
This also appeared on your November 1, 2015, billing statement as a
“provisional credit reversal”.
In
our recent investigation, we did not see any additional charges for the
cookware/bakeware item; therefore, we are unwilling to credit your account for
the requested amount of $301.48 mentioned in your Revdex.com
complaint.
As
of the date of this letter, your account balance is $142.95 which includes a
recent store purchase of $140.20 on October 16, 2015.
We
hope you find this information helpful, and we sincerely apologize for any
confusion or inconvenience this matter has caused you. If you have any further questions about your
account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist
you.
Sincerely,
Jack
C[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you ordered online and returned some products...
to the store. You state that you were to receive credit for $220.42 back to your Pottery Barn account on January 9, 2017. You have not received credit for the return number #[redacted] and you would like credit of $220.42 applied to your account.Please be assured that I reviewed your account at the Bank and with Pottery Barn. I am happy to share my findings.Pottery Barn confirmed that order #[redacted]682 was placed on November 8, 2016. The return of the merchandise was on January 9, 2016, and outside of the written 30-day return policy for Pottery Barn. As such, the credit was issued to you in form of a merchandise card, valued at $220.42, on January 10, 2017. The merchandise card number is #[redacted]Because you were provided the merchandise credit, in the form of the card noted above, we are unwilling to credit your account. Enclosed is a copy of Pottery Barn’s return policy. If you have questions with regard to the merchandise credit, please contact Pottery Barn at ###-###-####.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]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Capital Bank issues the My Place Rewards credit card accounts. We are here to answer your questions and assist with your concerns. In your...
correspondence you state you missed a payment due to the loss of a family member and your credit card was reported past due. You would like their credit history updated. To address you concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. This change should reflected on your credit file within the next 45 business days. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alyson F[redacted]
Dear Ms. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that while reviewing your credit file you noticed that a late payment was reported on your credit file. You also indicate that the Bank did not advise you of the missed payment. You are requesting that the Bank advise accountholders when they have missed a payment. I am happy to share my findings with you.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, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a thorough review of the account, our records indicate that a statement was issued to you on March 8, 2016, with a balance of $679.92 and a minimum payment of $30.00 due on April 3, 2016. As the no payment was received by the due date, another late fee and finance charges was assessed to the account. The Bank received your March minimum payment of $100.00 on March 3, 2016. Thank you for this payment. After this payment your balance became $594.09.On April 7, 2016, a statement was issued to you with a balance of $594.09 with a minimum payment due of $62.00 due on May 3, 2016. As no payment was received by the due date a late fee and finance charge was assessed to the account. Please be advised that the Bank contacts our customers regarding past due payments via the telephone numbers that are listed on their accounts. It appears that the Bank attempted to contact you several times via the telephone number ending in 8354 and 2957 to discuss this matter with you. It appears their attempts were unsuccessful.As of the date of this letter, the account balance is $537.58.A recent review of the information being reported to the credit-reporting agencies for your LANE BRYANT credit card account indicated a discrepancy. To address this matter, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report. Please allow 45 days for their records to be updated. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
Dear Mrs. [redacted]:We received your complaint, addressed to the Revdex.com. Comenity Bank issues the Reeds® Jewelerscredit card accounts, and we respond to account-related questions. Your correspondence was forwarded to myattention, and I appreciate the opportunity to...
respond to your concerns.We understand your concerns as explained in the complaint. Bank records show that the Reeds® Jewelersaccount is listed in the name of [redacted]., as the primary accountholder. Because of this, the Bank is unable todiscuss or release account information to another party without Mr. [redacted]’ permission. Please be advised that we have sent a response to Mr. [redacted] directly regarding the account.We hope this information is helpful. Shouldyou have any other questions or concerns regarding this account, please haveMr. [redacted] contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist.Sincerely, Ashley H[redacted]
[redacted]
Please see the attached response. Thank you.Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. ComenityBank issues the Victoria’s Secret credit card. We are here to answer your questions and assist with yourconcerns.In the correspondence, you indicate you...
Compliance Dept. – Consumer Responses
purchased three gift cards that did not have any value when they wereattempted to be used. You state you were directed to return to the store; however, the store was unable to assistyou and advised you to contact the Bank. You explain that when calling the Bank, a supervisor advised you thatyou would receive three new gift cards, which you never received. You are requesting three gift cards, valued at$100.00 each. You are also requesting coupons for the sales missed during Christmas.Please note Comenity Bank and Victoria’s Secret are two separate entities. The Bank issues and is responsiblefor addressing questions related to your credit card account. Victoria’s Secret is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Weapologize if you felt you did not receive the best customer service. We never intend to treat our customers in aless-than-satisfactory manner. We are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not met.We understand your concern regarding the gift cards that had no value. We attempted to contact you regardingthe gift cards; however, we were unsuccessful. We contacted Victoria’s Secret on your behalf to investigate thismatter. We received notification that the three original gift cards ending in 1338, 7348, and 9085, were devaluedin error. Victoria’s Secret has placed the original $100.00 value on each gift card. Furthermore, as Victoria’sSecret is not able to replace any coupons you were not able to use, an additional $100.00 has been added toeach gift card. We apologize for any inconvenience this has caused you and we thank you for your patiencewhile we worked to resolve this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at (800) 820-8932.Sincerely,Nicole F