Dear Mr. [redacted]We have received your complaint, addressed to
the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues gordmans, LANE BRYANT, and christopher & banks 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
are receiving calls from Comenity Bank regarding payments owed on the
above-referenced accounts. You state
these calls are irritating to your wife.
You are requesting that the calls are stopped and you advise that you
will make the payments when you can. Per your request, a "cease and
desist" status has been placed on your accounts. This cease and desist request will stop all
future collection calls, but it will also suspend authorizations for new
purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal
communications as permitted by law. Your
request to cease and desist contact on your accounts may be changed at any time
by contacting us again in writing at the below address:[redacted]We understand customers may experience
difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-
month Customer Hardship Program, or our Long Term Workout Program. These programs provide customers with special
terms in order to bring the accounts current.
If you are interested in obtaining information on whether you qualify
for these programs, please contact our Payment Solutions team at ###-###-####
(TDD/TTY ###-###-####).Also, customers who are experiencing
financial difficulties are urged to contact a non-profit Consumer Credit
Counseling Service (CCCS), organization for assistance. Their programs can provide options such as
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 CCCS agencies. Should you wish to obtain information
regarding their programs and for a member agency located near you, please
contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and we sincerely
apologize for any frustration or inconvenience this matter has caused you. If you have any further questions about your
accounts, please contact our Payment Solutions team at the telephone number
provided. They will be happy to assist you.Sincerely, ...⇄ Renee S[redacted]
Dear Mrs. [redacted]We received your additional 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. Please be advised that we have sent aresponse to Mr. [redacted] directly regarding the account on July 15, 2015. Comenity Bank considers this matter closed. Wehope this information is helpful. Should you 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]
Dear [redacted]We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts,
and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate...
the
opportunity to respond to your concerns.We understand your concerns regarding the $225.00
reward certificate that was sent to you on August 24, 2015, and that was never
received. I apologize for any
inconvenience this matter may have caused you.We
have manually added points to your account to generate a second reward. A $225.00 reward certificate will be issued on November
15, 2015. Please be advised that you
should receive this reward certificate within 4-6 weeks from the date issued.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
I am writing in response to your 12/14/2016 letter regarding a complaint that was filed by [redacted]
[redacted].I have spoken with Ms. [redacted] regarding the differences in the estimates and about thesupplement process. Ms. [redacted] now only needs to schedule a repair date and SafeAuto willaddress any...
supplemental damages directly with a body shop of her choice. Ms. [redacted] didadvise she mailed the payment of $1 182.38 back to SafeAuto. She did agree for SafeAuto tosend that payment back to her once it is received.Should you have any questions regarding this matter, please contact the undersigned.Sincerely,
Dear Revdex.com,Comenity Capital Bank received the complaint for 12174407. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved.
Dear Ms. [redacted]:Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesPalais Royal credit card accounts, and we are here to help with your account-related questionsand concerns. Your complaint, addressed to the Revdex.com, was fowarded to myattention...
and I appreciate the opportunity to assist you.I understand from your complaint, you purchased a bag from Palais Royal for $48.00. Onceyou received your monthly billing statement, the price listed was $71 -22. You then spoke with asupervisor who declined to refund you the difference of $23.22.You are requesting to have the difference refunded back to your Palais Royal credit cardaccount.Comenity Bank would like to extend our apologies for any inconvenience this matter may havecaused you. In the interest of the customer, we issued a $23.22 credit, to the account on June15, 2015.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-#### (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you made...
a return on September 9, 2016; however, you have not received a credit for your returns. You further state that you have mailed the confirmation number for the return to Victoria’s Secret and still have not received return credit. As a result of the return credit not posting to your account, the Bank has assessed fees to your account. You are requesting that the Bank settle the account and bring the balance to zero for the inconvenience you have experienced regarding this matter.We understand your concerns, and apologize for any frustration this matter may have caused you.Our records indicate that a statement was issued on September 11, 2016, indicating a balance of $900.04 and a minimum payment of $45.00 due by October 7, 2016.Please be advised that the Bank does not show that a return credit posted to your account on September 9, 2016. However, a return credits of $8.51 and $22.60 posted to your account on September 29, 2016.Bank records further indicate that on October 12, 2016, a statement was issued indicating a balance of $842.93 with a minimum payment of $40 due by November 7, 2016. Please be advised that the Bank did not receive any payments for the months of: November 2016, December 2016, January 2017, and February 2017;. as a result late fees and finance charges were assessed to your account for those months.Please understand that Comenity Bank and Victoria’s Secret are separate entities. Comenity Bank issues and responds to questions regarding the Victoria’s Secret Angel credit card account. While Victoria’s Secret responds to questions regarding merchandise, purchases, returns, and shipping. We suggest you contact Victoria’s Secret directly regarding your return.Comenity Bank did not find any billing errors with the account and we find the balance to be valid; therefore, the balance will not be waived.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,Compliance Dept. – Consumer Responses
Good Afternoon,Can you please remove my account numbers for public view? I didn't realize everything I wrote would be viewable to the public. All I want is the account numbers removed.Also, attached is e-mail correspondence regarding the 1/23/16 [redacted] inquiry. I believe this may have...
stemmed from me requesting a credit limit increase. I stated several times that I did not authorize a hard inquiry. This month was the only time I had ever requested a credit limit increase - so I'm not sure where the other 3 inquires from Comenity Bank stemmed from.Thank you![redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above notedaccount. Cornenity Bank issues Victoria's Secret/PINK credit cards, and we are here tohelp answer account-related questions, Your complaint was forwarded to my attention forreview, and I...
appreciate the opportunity to assist you.We understand that you made online purchases in December 2814 and did not receive yourbilling statements. After tracking the purchases online, you submitted a payment of $148.50,which was received. You called the Bank in March 2015, to explain that you had not receivedany statements since November 2014 and you were met with dissatisfactory service. You statethat you provided your address and asked for all the bills to be sent to you. After receiving astatement on April 14, 2015, you again called me Bank and you were greeted with betterservice. The associate removed bank fees and you both agreed that the owed , balance was$157.75. You were also advised that the statements were returned to the Bank because theaddress was incorrect. During this call, you terminated your relationship with Comenlty Bankand asked to be removed from the Victoria's Secret mailing list. You placed a check in the mailfor the amount agreed on. At the end of June 2015, you received a new statement thatindicated no payment had been received and additional fees were added to the balance. Youagain called the Bank on July 8, 2015, and were advised that only some of the fees could beremoved and the new total owed would be $169.29 if paid by July 28, 2015. You stoppedpayment on the original payment and sent the new one certified, which has cost you a total$45.48 out of pocket. You have requested that this matter be looked into to ensure this doesnot happen again.Please note that Comenity Bank and Victoria's Secret are separate entities. Victoria's Secrethandles matters related to merchandise, returns, shipping and handling, and magazines, whilethe Bank handles matters related to the account. On your behalf, we have sent notice toVictoria's Secret that you would like removed from their mailing list. This process can take afew weeks; therefore, you may receive one additional magazine in the process.Bank records indicate that multiple purchases were made to the account in December 2014;$91.00, $58.50, and $80.00. A billing statement was issued an January 2, 201 5, to a PO Boxdifferent from what was provided above. As payment was not received by the payment duedater, the account was assessed a late fee and a finance charge, which reflected on theFebruary 2, 2015, issued statement.On February 16, 2015. an additional purchase of $76.75 was charged to the account. A billingstatement was issue on March 1, 2015. On March 17, 2015, a payment for $148.50 wasreceived, which brought the account current; however, left an unpaid balance and a financecharge of $6.35 was assessed to the account.On April 2, 2015, a billing statement was issued. On April 15, 201 5, you spoke to the Bank whoverified that the statements had returned from the post office on March 11, 2015. During thistime, the address was updated to the correct PO Box listed on your complaint, and bank feestotaling $77.26 were credited to the account, thus leaving an unpaid balance of $157.75.Because the statement for April printed on April 2, 2015, this statement did not mail, as thereturned mail status did not remove until the date of this call. As a result, the account wasassessed a monthly finance charge of $6.35, thus leaving a total unpaid balance of $161.67 andnot $157.75, which was agreed upon during the call.On May 2, 2015, a billing statement was issued to the correct PO Box and requested paymentdue on May 28, 2015. Payment was not received and the account was assessed an additionallate fee and finance charge, thus bringing the balance to $190.24. On July 14, 2015, paymentfor $169.29 was received on the account, bringing the account current, and leaving a balance of$55.00 for unpaid late fees.Enclosed are copies of all billing statements for your records.As we found that the address was incorrect and the post office returned mail to the Bank with noupdated or forwarding address, we have removed the additional charges to your accounttotaling $62.62. This amount equates to the remainder of all fees that were charged to theaccount, which had not been credited. Additionally, we understand that you paid to stoppayment on a check and you paid to certify a payment, which cost you out of pocket money. Inthe interest of customer service, we are issuing a credit totaling $45.48 to refund you the moneyspent. As a result of these of credits, you will receive a refund check totaling $. The check willbe received separately, by mail, in 14 business days.Please also be assured that we sent notification to the national credit-reporting agencies withinstructions to delete the negative payment information from your credit file, regarding theVictoria's Secret/PlNK account. Please allow the credit-reporting agencies 45 days to updatetheir records.In addition, please be assured that it is never the Bank's intention to cause a customer ahardship, and we sincerely apologize if you felt the service you received was less thansatisfactory.We hope this information is helpful. Should you have further questions or concerns, please donot hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). l willbe happy to assist you.Sincerely,Shawnda Y[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues ASHLEY STEWART® credit card accounts, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you with your concerns. You state you have not charged anything on the above-referenced account since December 2015, and on March 18, 2016, you called to pay the bill completely off. You listened to the automated system to get the total balance, and the automated system said that it was $194.55, which you paid in full. You received a collection call on July 6, 2016, saying you had a balance due of $96.33; however, you refused to pay because you knew that you did not charge anything new. You were transferred to customer service and the representative you spoke with explained that there was $10.33 in interest and the rest was late fees. The representative deducted the interest but had to send an email to her supervisor to remove the late fees, which may or may not appear on the next statement. You further state that although you asked the representative to remove the negative mark on your credit report, because this was not your fault, she was not able to confirm that it would be removed. You are requesting to have your credit restored, the negative mark on your credit report removed, and all late fees removed. We sincerely apologize for any frustration or inconvenience this matter may have caused 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 payment required, the account may be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card Agreement. On February 15, 2016, a billing statement was issued reflecting a balance of $194.55, and a minimum payment due of $27.00 by March 12, 2016. On March 18, 2016, you made a payment over the telephone using the Bank’s automated service, in the amount of $194.55. Because the payment was received after your due date, a late fee and a finance charge were assessed to the account. Statements continued to be issued monthly; however, as no additional payments were received, late fees and finance charges continued to be assessed. When an account is delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. On July 6, 2016, a representative from the Bank’s Payment Solutions team attempted to contact you by telephone regarding your account. A voicemail message was left on this date requesting that you contact the Bank. On July 7, 2016, you contacted the Bank by telephone and spoke with a representative from our Payment Solution’s team who transferred you to our Customer Care team for assistance. When you spoke with the representative from the Bank’s Customer Care team, the representative stated that the account was in the process of billing when you made your payment over the telephone on March 18, 2016. Since the payment was not made by March 12, 2016, when the account billed on March 17, 2016, a late fee and a finance charge were assessed. This information had not yet updated when you called on March, 18, 2016, as the account was in the process of billing; and as such, the account was not accurately reflecting the full balance owed, including the fees. The representative also stated that she would credit the finance charges assessed to the account, and that she would contact her supervisor to have the late fees removed. The representative also stated that she requested to have the negative payment information removed; however, she had not heard back about it. She advised that because the late payment was valid, it may not be removed from your credit bureau report, and if not, you could submit a dispute. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we are disappointed that you feel this standard was not met. In the interest of customer service, the Bank issued credits to the account totaling $88.01 to remove the remaining late fees and finance charges. These credits posted to the account on July 22, 2016, and brought the account to a zero balance. Notification was sent to the national credit-reporting agencies with instructions to remove the delinquency from July 2016, regarding the ASHLEY STEWART® account, from your credit bureau report. We can confirm that this information has been updated with the credit-reporting agencies. The above-referenced account was closed, per your request, on July 7, 2016. Although your account has been closed, we hope that you will continue to shop with Ashley Stewart. If you are interested in a new Ashley Stewart account, you are welcome to reapply. We hope you find this information helpful. If you have any questions or need additional assistance, please do not hesitate to contact me directly at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist CC: Revdex.com
Dear [redacted]:We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed ta the Revdex.com, wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April I, 2015, regarding the same issue. We have enclosed a copy of our previousresponse for your records. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistApril 4 , 2015Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days afler the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as a"provisional credit" and a "finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIREIATED CORRESPONDENCE TO[redacted]The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 641 06.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts021 08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories an each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
You are completely talking circles! Am I a third party or a joint owner responsible for this account, you cannot have it both ways. The state of [redacted] is a marital property state, making the spouse equally liable. If I'm liable legally and financially I am legally able to setup payments, which is what I attempted to do SEVERAL times and was not given the opportunity. This is a mistake on Comenity Banks part. I am not asking for financial compensation and have a pmt plan in place. I am asking for incorrect, unjust, damaging information to be deleted from our credit report. When I arranged the payment plan I was informed this would happen, so honesty and follow through is appreciated.
Regards, [redacted]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved. Thank you,
thank you for your help Revdex.comcan you please have someone from their team contact me to pay the balance of $66 and to close my account and credit card. I no longer wish to deal with their customer service since they were unable to help in the first place or provide me any info/data. I will no longer be a comenity bank or pottery barn customer
Regards,
[redacted]
Dear Mr. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state that you did not have a credit card with Comenity Capital Bank, and you sent a check of $44.95 to pay for the pants you ordered. You further state that [redacted] told Comenity Capital Bank that the bill was paid on March 13, 2015, and you have sent proof that the pants were paid for. You are requesting for the balance to be credited to zero. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed the account and we are happy to share our findings. Our records indicate that the Haband account was opened on January 3, 2015, in the name of [redacted]. This account was opened when you contacted Haband to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, you would have been asked if you were interested in opening a Haband account, based on the pre-approved credit offer. The account was opened, and a purchase of $29.98 was placed. This purchase posted to the Haband account on January 3, 2015. On February 25, 2015, a purchase of $44.95 posted to the above-referenced account. We contacted Haband, on your behalf, and they are issuing a refund check of $44.95 to you. Please allow 14 days to receive the refund check, by separate mailing. For questions regarding the refund, please contact Haband directly at ###-###-####. In the interest of customer service, the Bank issued a credit of $44.95 to the Haband account, and credits totaling $218.15, to remove the previously assessed late fees and finance charges. Please be assured, the account balance, as of today’s date, is zero. We understand from your complaint that you may not have been aware that a Haband credit card account was opened, as you state that you do not have an account with Comenity Capital Bank. Notification has been sent to the national credit-reporting agencies with instructions to have the Haband account deleted from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bankissues the Carson’s credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you placed an online order December...
20, 2016, in the amount of$223.37, but the merchandise was never delivered.Please be advised Comenity Bank and Carson’s are two separate entities. Comenity Bank is responsible foraddressing questions related to the Carson’s credit card accounts, while Carson’s is responsible for handlingmatters related to sales, merchandise processing, returns, shipping, and merchandise quality.We previously received and responded to your concerns through our Dispute Department regarding this samematter. Please find enclosed, copies of our previous responses sent to you on February 16, 2017, and April 10,2017.After a thorough investigation, Bank records indicate on December 20, 2016, an online mail order for $223.37billed to your account. Please find enclosed a copy of the FedEx Tracking provided by Carson’s, confirming themerchandise was delivered on December 22, 2016, at 7:45 pm. Because Carson’s was able to provide proof thatthe item was delivered by FedEx, the charge is considered valid. We have disputed the transaction on youraccount, however Carson’s is not responsible for stolen merchandise. For further assistance with your concern,please contact FedEx directly at ###-###-#### to file a dispute. You may also want to contact your personalinsurance company to see if you can file a claim for the stolen merchandise.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Shelley A[redacted]
Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questionsand assist with your concerns.The Bank has received your correspondence from the...
Revdex.com (Revdex.com). You state that inOctober 2016 the My Place Rewards account was opened, and you never received a billing statement forNovember or December. In March you received a call from the Bank advising that the account was pastdue and the balance was $169.39. The representative offered to waive fees in the amount of $84.70 if youwere to pay the remainder of the balance and this offer was refused.You are requesting to have the fees credited to your account so that you may pay the original amount of$30.24, as you never received the billing statements.After a review of your account your billing statements have been sent to the address referenced above.This address has been confirmed from your correspondence sent through the Revdex.com. The Bank has notreceived any notification from the United States Postal Service indicating that any of the correspondencesent from the Bank has been returned as undeliverable.Please be advised that we have received your payment in the amount of $30.24, which was posted to theaccount on April 6, 2017. As this payment has been posted to your account; however, it does not cover theminimum amount due of $125.00. The remaining amount of $94.76 is due by April 19, 2017, or your accountwill be subject to further fees and collection activity. As of the date of this letter the balance is $130.36.As the Bank finds no errors, we respectfully decline your request to have the fees adjusted on the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]
they did not mention that when I called in after making the $35 payment that they stated there was no balance on the account now they want more money. I never signed up for just to receive bills via email and I checked my junk folder and I do not see anything from the bank. I will pay one last late fee but I refuse to pay for their lack of proper information given and also their lack of providing me any information. Why would I attempt to pay off the balance and then make another payment after realizing that the bank made another error on giving me the incorrect pay off amount. ..Then I pay the $35 balance and the amount I already had to pay which I felt like I shouldn't have paid to begin with. Now they want me to pay another $340 in fees. Ridiculous and disrespectful to a consumer. As you can see there are plenty of lawsuits and class action lawsuits against thins bank for their business practices Regards, [redacted]
The response still does not address the legality of charging interest to their late fees and falsely stating I made new charges. It is just a way to double and triple bill people. Whether I pay on time or not, I get charged 2 different fees and I continue to contend this is illegal!
Dear Mr. [redacted]We have received your complaint, addressed to
the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues gordmans, LANE BRYANT, and christopher & banks 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
are receiving calls from Comenity Bank regarding payments owed on the
above-referenced accounts. You state
these calls are irritating to your wife.
You are requesting that the calls are stopped and you advise that you
will make the payments when you can. Per your request, a "cease and
desist" status has been placed on your accounts. This cease and desist request will stop all
future collection calls, but it will also suspend authorizations for new
purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal
communications as permitted by law. Your
request to cease and desist contact on your accounts may be changed at any time
by contacting us again in writing at the below address:[redacted]We understand customers may experience
difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-
month Customer Hardship Program, or our Long Term Workout Program. These programs provide customers with special
terms in order to bring the accounts current.
If you are interested in obtaining information on whether you qualify
for these programs, please contact our Payment Solutions team at ###-###-####
(TDD/TTY ###-###-####).Also, customers who are experiencing
financial difficulties are urged to contact a non-profit Consumer Credit
Counseling Service (CCCS), organization for assistance. Their programs can provide options such as
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 CCCS agencies. Should you wish to obtain information
regarding their programs and for a member agency located near you, please
contact the National Foundation for Credit Counseling at ###-###-####.We value you as a customer, and we sincerely
apologize for any frustration or inconvenience this matter has caused you. If you have any further questions about your
accounts, please contact our Payment Solutions team at the telephone number
provided. They will be happy to assist
you.Sincerely, ...⇄ Renee S[redacted]
Dear Mrs. [redacted]We received your additional 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. Please be advised that we have sent aresponse to Mr. [redacted] directly regarding the account on July 15, 2015. Comenity Bank considers this matter closed. Wehope this information is helpful. Should you 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]
Dear [redacted]We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts,
and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate...
the
opportunity to respond to your concerns.We understand your concerns regarding the $225.00
reward certificate that was sent to you on August 24, 2015, and that was never
received. I apologize for any
inconvenience this matter may have caused you.We
have manually added points to your account to generate a second reward. A $225.00 reward certificate will be issued on November
15, 2015. Please be advised that you
should receive this reward certificate within 4-6 weeks from the date issued.We hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at
###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Ashley H[redacted]
I am writing in response to your 12/14/2016 letter regarding a complaint that was filed by [redacted]
[redacted].I have spoken with Ms. [redacted] regarding the differences in the estimates and about thesupplement process. Ms. [redacted] now only needs to schedule a repair date and SafeAuto willaddress any...
supplemental damages directly with a body shop of her choice. Ms. [redacted] didadvise she mailed the payment of $1 182.38 back to SafeAuto. She did agree for SafeAuto tosend that payment back to her once it is received.Should you have any questions regarding this matter, please contact the undersigned.Sincerely,
Dear Revdex.com,Comenity Capital Bank received the complaint for 12174407. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved.
Dear Ms. [redacted]:Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesPalais Royal credit card accounts, and we are here to help with your account-related questionsand concerns. Your complaint, addressed to the Revdex.com, was fowarded to myattention...
and I appreciate the opportunity to assist you.I understand from your complaint, you purchased a bag from Palais Royal for $48.00. Onceyou received your monthly billing statement, the price listed was $71 -22. You then spoke with asupervisor who declined to refund you the difference of $23.22.You are requesting to have the difference refunded back to your Palais Royal credit cardaccount.Comenity Bank would like to extend our apologies for any inconvenience this matter may havecaused you. In the interest of the customer, we issued a $23.22 credit, to the account on June15, 2015.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-#### (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you made...
a return on September 9, 2016; however, you have not received a credit for your returns. You further state that you have mailed the confirmation number for the return to Victoria’s Secret and still have not received return credit. As a result of the return credit not posting to your account, the Bank has assessed fees to your account. You are requesting that the Bank settle the account and bring the balance to zero for the inconvenience you have experienced regarding this matter.We understand your concerns, and apologize for any frustration this matter may have caused you.Our records indicate that a statement was issued on September 11, 2016, indicating a balance of $900.04 and a minimum payment of $45.00 due by October 7, 2016.Please be advised that the Bank does not show that a return credit posted to your account on September 9, 2016. However, a return credits of $8.51 and $22.60 posted to your account on September 29, 2016.Bank records further indicate that on October 12, 2016, a statement was issued indicating a balance of $842.93 with a minimum payment of $40 due by November 7, 2016. Please be advised that the Bank did not receive any payments for the months of: November 2016, December 2016, January 2017, and February 2017;. as a result late fees and finance charges were assessed to your account for those months.Please understand that Comenity Bank and Victoria’s Secret are separate entities. Comenity Bank issues and responds to questions regarding the Victoria’s Secret Angel credit card account. While Victoria’s Secret responds to questions regarding merchandise, purchases, returns, and shipping. We suggest you contact Victoria’s Secret directly regarding your return.Comenity Bank did not find any billing errors with the account and we find the balance to be valid; therefore, the balance will not be waived.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,Compliance Dept. – Consumer Responses
Good Afternoon,Can you please remove my account numbers for public view? I didn't realize everything I wrote would be viewable to the public. All I want is the account numbers removed.Also, attached is e-mail correspondence regarding the 1/23/16 [redacted] inquiry. I believe this may have...
stemmed from me requesting a credit limit increase. I stated several times that I did not authorize a hard inquiry. This month was the only time I had ever requested a credit limit increase - so I'm not sure where the other 3 inquires from Comenity Bank stemmed from.Thank you![redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above notedaccount. Cornenity Bank issues Victoria's Secret/PINK credit cards, and we are here tohelp answer account-related questions, Your complaint was forwarded to my attention forreview, and I...
appreciate the opportunity to assist you.We understand that you made online purchases in December 2814 and did not receive yourbilling statements. After tracking the purchases online, you submitted a payment of $148.50,which was received. You called the Bank in March 2015, to explain that you had not receivedany statements since November 2014 and you were met with dissatisfactory service. You statethat you provided your address and asked for all the bills to be sent to you. After receiving astatement on April 14, 2015, you again called me Bank and you were greeted with betterservice. The associate removed bank fees and you both agreed that the owed , balance was$157.75. You were also advised that the statements were returned to the Bank because theaddress was incorrect. During this call, you terminated your relationship with Comenlty Bankand asked to be removed from the Victoria's Secret mailing list. You placed a check in the mailfor the amount agreed on. At the end of June 2015, you received a new statement thatindicated no payment had been received and additional fees were added to the balance. Youagain called the Bank on July 8, 2015, and were advised that only some of the fees could beremoved and the new total owed would be $169.29 if paid by July 28, 2015. You stoppedpayment on the original payment and sent the new one certified, which has cost you a total$45.48 out of pocket. You have requested that this matter be looked into to ensure this doesnot happen again.Please note that Comenity Bank and Victoria's Secret are separate entities. Victoria's Secrethandles matters related to merchandise, returns, shipping and handling, and magazines, whilethe Bank handles matters related to the account. On your behalf, we have sent notice toVictoria's Secret that you would like removed from their mailing list. This process can take afew weeks; therefore, you may receive one additional magazine in the process.Bank records indicate that multiple purchases were made to the account in December 2014;$91.00, $58.50, and $80.00. A billing statement was issued an January 2, 201 5, to a PO Boxdifferent from what was provided above. As payment was not received by the payment duedater, the account was assessed a late fee and a finance charge, which reflected on theFebruary 2, 2015, issued statement.On February 16, 2015. an additional purchase of $76.75 was charged to the account. A billingstatement was issue on March 1, 2015. On March 17, 2015, a payment for $148.50 wasreceived, which brought the account current; however, left an unpaid balance and a financecharge of $6.35 was assessed to the account.On April 2, 2015, a billing statement was issued. On April 15, 201 5, you spoke to the Bank whoverified that the statements had returned from the post office on March 11, 2015. During thistime, the address was updated to the correct PO Box listed on your complaint, and bank feestotaling $77.26 were credited to the account, thus leaving an unpaid balance of $157.75.Because the statement for April printed on April 2, 2015, this statement did not mail, as thereturned mail status did not remove until the date of this call. As a result, the account wasassessed a monthly finance charge of $6.35, thus leaving a total unpaid balance of $161.67 andnot $157.75, which was agreed upon during the call.On May 2, 2015, a billing statement was issued to the correct PO Box and requested paymentdue on May 28, 2015. Payment was not received and the account was assessed an additionallate fee and finance charge, thus bringing the balance to $190.24. On July 14, 2015, paymentfor $169.29 was received on the account, bringing the account current, and leaving a balance of$55.00 for unpaid late fees.Enclosed are copies of all billing statements for your records.As we found that the address was incorrect and the post office returned mail to the Bank with noupdated or forwarding address, we have removed the additional charges to your accounttotaling $62.62. This amount equates to the remainder of all fees that were charged to theaccount, which had not been credited. Additionally, we understand that you paid to stoppayment on a check and you paid to certify a payment, which cost you out of pocket money. Inthe interest of customer service, we are issuing a credit totaling $45.48 to refund you the moneyspent. As a result of these of credits, you will receive a refund check totaling $. The check willbe received separately, by mail, in 14 business days.Please also be assured that we sent notification to the national credit-reporting agencies withinstructions to delete the negative payment information from your credit file, regarding theVictoria's Secret/PlNK account. Please allow the credit-reporting agencies 45 days to updatetheir records.In addition, please be assured that it is never the Bank's intention to cause a customer ahardship, and we sincerely apologize if you felt the service you received was less thansatisfactory.We hope this information is helpful. Should you have further questions or concerns, please donot hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). l willbe happy to assist you.Sincerely,Shawnda Y[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues ASHLEY STEWART® credit card accounts, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you with your concerns. You state you have not charged anything on the above-referenced account since December 2015, and on March 18, 2016, you called to pay the bill completely off. You listened to the automated system to get the total balance, and the automated system said that it was $194.55, which you paid in full. You received a collection call on July 6, 2016, saying you had a balance due of $96.33; however, you refused to pay because you knew that you did not charge anything new. You were transferred to customer service and the representative you spoke with explained that there was $10.33 in interest and the rest was late fees. The representative deducted the interest but had to send an email to her supervisor to remove the late fees, which may or may not appear on the next statement. You further state that although you asked the representative to remove the negative mark on your credit report, because this was not your fault, she was not able to confirm that it would be removed. You are requesting to have your credit restored, the negative mark on your credit report removed, and all late fees removed. We sincerely apologize for any frustration or inconvenience this matter may have caused 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 payment required, the account may be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card Agreement. On February 15, 2016, a billing statement was issued reflecting a balance of $194.55, and a minimum payment due of $27.00 by March 12, 2016. On March 18, 2016, you made a payment over the telephone using the Bank’s automated service, in the amount of $194.55. Because the payment was received after your due date, a late fee and a finance charge were assessed to the account. Statements continued to be issued monthly; however, as no additional payments were received, late fees and finance charges continued to be assessed. When an account is delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. On July 6, 2016, a representative from the Bank’s Payment Solutions team attempted to contact you by telephone regarding your account. A voicemail message was left on this date requesting that you contact the Bank. On July 7, 2016, you contacted the Bank by telephone and spoke with a representative from our Payment Solution’s team who transferred you to our Customer Care team for assistance. When you spoke with the representative from the Bank’s Customer Care team, the representative stated that the account was in the process of billing when you made your payment over the telephone on March 18, 2016. Since the payment was not made by March 12, 2016, when the account billed on March 17, 2016, a late fee and a finance charge were assessed. This information had not yet updated when you called on March, 18, 2016, as the account was in the process of billing; and as such, the account was not accurately reflecting the full balance owed, including the fees. The representative also stated that she would credit the finance charges assessed to the account, and that she would contact her supervisor to have the late fees removed. The representative also stated that she requested to have the negative payment information removed; however, she had not heard back about it. She advised that because the late payment was valid, it may not be removed from your credit bureau report, and if not, you could submit a dispute. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we are disappointed that you feel this standard was not met. In the interest of customer service, the Bank issued credits to the account totaling $88.01 to remove the remaining late fees and finance charges. These credits posted to the account on July 22, 2016, and brought the account to a zero balance. Notification was sent to the national credit-reporting agencies with instructions to remove the delinquency from July 2016, regarding the ASHLEY STEWART® account, from your credit bureau report. We can confirm that this information has been updated with the credit-reporting agencies. The above-referenced account was closed, per your request, on July 7, 2016. Although your account has been closed, we hope that you will continue to shop with Ashley Stewart. If you are interested in a new Ashley Stewart account, you are welcome to reapply. We hope you find this information helpful. If you have any questions or need additional assistance, please do not hesitate to contact me directly at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist CC: Revdex.com
Dear [redacted]:We received a complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questions. The complaint, addressed ta the Revdex.com, wasforwarded to my...
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April I, 2015, regarding the same issue. We have enclosed a copy of our previousresponse for your records. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistApril 4 , 2015Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days afler the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as a"provisional credit" and a "finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIREIATED CORRESPONDENCE TO[redacted]The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 641 06.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts021 08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories an each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
You are completely talking circles! Am I a third party or a joint owner responsible for this account, you cannot have it both ways. The state of [redacted] is a marital property state, making the spouse equally liable. If I'm liable legally and financially I am legally able to setup payments, which is what I attempted to do SEVERAL times and was not given the opportunity. This is a mistake on Comenity Banks part. I am not asking for financial compensation and have a pmt plan in place. I am asking for incorrect, unjust, damaging information to be deleted from our credit report. When I arranged the payment plan I was informed this would happen, so honesty and follow through is appreciated.
Regards, [redacted]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved. Thank you,
thank you for your help Revdex.comcan you please have someone from their team contact me to pay the balance of $66 and to close my account and credit card. I no longer wish to deal with their customer service since they were unable to help in the first place or provide me any info/data. I will no longer be a comenity bank or pottery barn customer
Regards,
[redacted]
Dear Mr. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state that you did not have a credit card with Comenity Capital Bank, and you sent a check of $44.95 to pay for the pants you ordered. You further state that [redacted] told Comenity Capital Bank that the bill was paid on March 13, 2015, and you have sent proof that the pants were paid for. You are requesting for the balance to be credited to zero. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed the account and we are happy to share our findings. Our records indicate that the Haband account was opened on January 3, 2015, in the name of [redacted]. This account was opened when you contacted Haband to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, you would have been asked if you were interested in opening a Haband account, based on the pre-approved credit offer. The account was opened, and a purchase of $29.98 was placed. This purchase posted to the Haband account on January 3, 2015. On February 25, 2015, a purchase of $44.95 posted to the above-referenced account. We contacted Haband, on your behalf, and they are issuing a refund check of $44.95 to you. Please allow 14 days to receive the refund check, by separate mailing. For questions regarding the refund, please contact Haband directly at ###-###-####. In the interest of customer service, the Bank issued a credit of $44.95 to the Haband account, and credits totaling $218.15, to remove the previously assessed late fees and finance charges. Please be assured, the account balance, as of today’s date, is zero. We understand from your complaint that you may not have been aware that a Haband credit card account was opened, as you state that you do not have an account with Comenity Capital Bank. Notification has been sent to the national credit-reporting agencies with instructions to have the Haband account deleted from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bankissues the Carson’s credit card. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you placed an online order December...
20, 2016, in the amount of$223.37, but the merchandise was never delivered.Please be advised Comenity Bank and Carson’s are two separate entities. Comenity Bank is responsible foraddressing questions related to the Carson’s credit card accounts, while Carson’s is responsible for handlingmatters related to sales, merchandise processing, returns, shipping, and merchandise quality.We previously received and responded to your concerns through our Dispute Department regarding this samematter. Please find enclosed, copies of our previous responses sent to you on February 16, 2017, and April 10,2017.After a thorough investigation, Bank records indicate on December 20, 2016, an online mail order for $223.37billed to your account. Please find enclosed a copy of the FedEx Tracking provided by Carson’s, confirming themerchandise was delivered on December 22, 2016, at 7:45 pm. Because Carson’s was able to provide proof thatthe item was delivered by FedEx, the charge is considered valid. We have disputed the transaction on youraccount, however Carson’s is not responsible for stolen merchandise. For further assistance with your concern,please contact FedEx directly at ###-###-#### to file a dispute. You may also want to contact your personalinsurance company to see if you can file a claim for the stolen merchandise.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Shelley A[redacted]
Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questionsand assist with your concerns.The Bank has received your correspondence from the...
Revdex.com (Revdex.com). You state that inOctober 2016 the My Place Rewards account was opened, and you never received a billing statement forNovember or December. In March you received a call from the Bank advising that the account was pastdue and the balance was $169.39. The representative offered to waive fees in the amount of $84.70 if youwere to pay the remainder of the balance and this offer was refused.You are requesting to have the fees credited to your account so that you may pay the original amount of$30.24, as you never received the billing statements.After a review of your account your billing statements have been sent to the address referenced above.This address has been confirmed from your correspondence sent through the Revdex.com. The Bank has notreceived any notification from the United States Postal Service indicating that any of the correspondencesent from the Bank has been returned as undeliverable.Please be advised that we have received your payment in the amount of $30.24, which was posted to theaccount on April 6, 2017. As this payment has been posted to your account; however, it does not cover theminimum amount due of $125.00. The remaining amount of $94.76 is due by April 19, 2017, or your accountwill be subject to further fees and collection activity. As of the date of this letter the balance is $130.36.As the Bank finds no errors, we respectfully decline your request to have the fees adjusted on the account.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]
they did not mention that when I called in after making the $35 payment that they stated there was no balance on the account now they want more money. I never signed up for just to receive bills via email and I checked my junk folder and I do not see anything from the bank. I will pay one last late fee but I refuse to pay for their lack of proper information given and also their lack of providing me any information. Why would I attempt to pay off the balance and then make another payment after realizing that the bank made another error on giving me the incorrect pay off amount. ..Then I pay the $35 balance and the amount I already had to pay which I felt like I shouldn't have paid to begin with. Now they want me to pay another $340 in fees. Ridiculous and disrespectful to a consumer. As you can see there are plenty of lawsuits and class action lawsuits against thins bank for their business practices Regards, [redacted]
The response still does not address the legality of charging interest to their late fees and falsely stating I made new charges. It is just a way to double and triple bill people. Whether I pay on time or not, I get charged 2 different fees and I continue to contend this is illegal!