This is outrageous...if this bank wants to settle this manner they should make a reasonable settlement offer...their response of Our Way or the Highway is unacceptable Regards, [redacted]
Thank you for your additional complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related inquiriesI appreciate the opportunity to assist you.We understand your concerns regarding the late fees previously assessed to the account, and that you are requesting all late fees be waived.Please be assured that all late fees were credited to your account on January 16, As of today’s date, the account has a zero balance.I apologize for any confusion this matter may have caused you, and I hope you find this information to be helpfulIf you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,
Comenity 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 opened THE LIMITED account, and made a purchase in March You state you returned to the store, as you had not received a bill You contacted the Bank, and were advised that the payment was late You advised that you had not received the bill; however, you paid what was owed You state the representative would not waive the late fee You called in August to resolve this matter, and spoke with a representative who removed the fees You state the calls started up again, and you were advised that the prior representative, who assured you this was resolved, had no authority to remove the fees You request that the Bank remove the fees and update the credit reporting from March through the current date We apologize for the frustration this matter has caused you I am happy to share my findings Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate that a billing statement was issued on April 11, 2016, with a balance of $207.96, and a minimum payment of $27.00, due by May 7, No payment was made, and a late fee was assessed A billing statement was issued on May 12, 2016, with a balance of $239.58, and a minimum payment of $37.00, due by June 7, The payment of $was received on May 18, 2016, this payment left a remaining balance of $ As no payment was received for the $33.02, this balance increased with the accruing Bank fees We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations We apologize if you felt that you did not receive the best customer service We never intend to treat our customers in a less-than-satisfactory manner We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met We reviewed the phone call from August 19, The representative did confirm she would remove both the accumulated fees, totaling $57.42, and the delinquencies reported to the credit agencies The delinquencies were updated, and a letter was issued I have enclosed a copy of the letter for your records Unfortunately, the fees were not removed as promised Due to this Bank error, please be assured the balance of $has been credited Additionally, we have sent instructions to the credit agencies to remove the delinquencies reported regarding this matter Please allow the credit agencies days to update their records Although the account was closed per your request, we hope you continue to shop with THE LIMITED 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, KaiM
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the KingSize credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that you placed an order by phoneYou state that after you gave customer service your order the call ended and you did not authorize this purchase to be added to your KingSize accountA week later you received two shirts with a bill of $At that time you exchanged one of the shirts and submitted a check of $for the shirt that was keptAfter receiving the exchange, you mailed another check of $You received a statement with a late fee of $and a finance charge of $You are requesting a refund of these feesPlease note Comenity Bank and KingSize are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountKingSize is responsible for handling matters related to sales, merchandise processing, returns and shippingAfter reviewing our records, we found the KingSize account was opened on December 19, We contacted KingSize on your behalf and the call was reviewed regarding the order placed on December 14, 2016, and we obtained confirmation that authorization was given to have the purchase placed on the accountAfter a thorough review of the account, our records indicate that on December 14, 2016, an order was placed for two Flnshrt’s in the amount of $On December 18, 2016, a credit of $posted to the account for shipping and handlingOn January 2, 2017, a statement was issued with a balance of $and a minimum payment of $due on January 28, A payment of $was received on January 14, 2017, thank you for this payment On February 2, 2017, a statement was issued with a balance of $and a minimum payment of $due on February 28, As no payment was received by the due date a late fee of $20.00, and a finance charge of $was assessed to the accountOn March 2, 2017, a statement was issued with a balance of $and a minimum payment of $due March 28, As no payment was received by the due date a late fee of $was assessed to the accountOn March 10, 2017, a courtesy we issued credits totaling $for the late fee and finance charge previously assessed to the accountOn April 2, 2017, a statement was issued with a balance of $and a minimum payment of $due on April 28, A payment of $was received on April, 21, 2017, thank you for this paymentAs of the date of this letter, the account has a zero balancePlease 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 AgreementAs the Bank finds that previous fee credits of $were applied to your account, we are unwilling to credit another late fee, as this fee is validI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, Renee S*** Renee S*** Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountsComenity Bank issues the Victoria's Secret Angel, and LOFT credit cardsWe are hereto answer your questions and assist with your concerns.You mentioned the Bank is reporting inaccurate information on your credit report; the Bank isreporting your Victoria’s Secret account as being $past due by daysYou state this isincorrect and your billing statements show differentThe Bank has lowered your credit limit onboth of your accounts, and you have closed them both due to being concerned your credit willbe impactedYou would like both of your accounts reopened with their original terms.Please keep in mind that when payments are not received, are made for less than the minimumrequired, or are received after the due date cutoff time, the account will be assessed a late fee,as explained in the Credit Card Agreement (CCA).Your November 2, 2017, Victoria's Secret Angel billing statement had a balance of $2,374.84with a minimum payment of $due on November 28, Since no payment wasreceived a late fee of $and finance charges of $were added to your accountOnyour December 2, 2017, billing statement you had a balance of $2,with a minimumpayment of $due on December 28, We received a payment of $onDecember 28, Since the full minimum payment was not received, a late fee of $andfinance charges of $were added to your accountOn your January 2, 2018, billingstatement you had a balance of $2,with a minimum payment of $due on January28, 2017, and we received a payment of $Please find enclosed these billing statementsfor your reference.Please note, the CCA gives us the right to investigate customer credit records and to lower acustomer’s credit limit at any time, for any reasonYour Victoria's Secret Angel account creditlimit was lowered in January as a result of account becoming two billings past due.The Bank sent a letter to you dated January 4, 2018, advising that your LOVELOFT accountcredit limit had been lowered as a result of a significant decrease in your credit scoreA copy ofthe letter is enclosed with this correspondence.We understand your concern regarding how these accounts reflect on your credit reportsWehave verified we are reporting the accounts correctly to the credit reporting agenciesWe arerequired by law to report factual information.We respectfully decline your request to reopen the Victoria's Secret Angel, and LOVELOFTaccounts.We apologize for any frustration or inconvenience this may have caused youI hope you havefound this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Alyson FCompliance Dept– Consumer ResponsesEnclosurescc: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you did not receive the billing statements from August through November You state you were not aware there was a balance until you tried to use the card in November, and were informed the account was suspendedYou contacted the Bank, and were informed that a letter would be sent regarding the status of the account and the dispute; however, you did not receive the letter dated December 6, 2016, and received another statement with a late feeYou don’t understand how an electronic bill payment withdrawal on July 29, 2016, did not post until August 9, 2016, or why the representative did not ask if you wanted to settle the account in November I am happy to share my findings Bank records indicate that the billing statements were deliveredAdditionally, the Bank has no record of any correspondence being returned as undeliverableYou may wish to advise your local post office of the issue with your mail delivery As advised in the prior correspondence, you contacted the Bank on November 29, 2016, and a dispute was submitted on your behalfYou did not request to settle the account; however, you requested to have the fees removed Please note that payments are posted to the account on the date they are receivedThe payment of $was not received until August 9, We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by law I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your Peeblescredit card accountCornenity Bank issues Peebles credit cards, and we respond to allaccount-related questions and concernsYour complaint was fowarded to my attention, and Iappreciate the opportunity to assist you.We understand from your complaint, you did not receive a monthly billing statement, and youwere unable to secure a payment for your Peebles credit card account via online or in store at aPeebles retail locationDue to matters with your mother's health, you lost track of time, andsecured a late payment over the phoneAs a result, you received a 30-day delinquency on yourcredit bureau report, which resulted in your credit score declining from to 680.You are requesting Cornenity Bank remove the delinquent notification from your credit bureaureport.We apologize for any frustration or inconvenience you may have experienced regarding thismatter and we are truly sorry to hear about your motherIt is our hope that all is well.Please be advised, in the interest of the customer service, the payment history for the month ofJune has been updated on your Peebles credit card accountPlease allow the creditreporting agencies days to update their records.Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)will be happy to assist you.Sincerely Geanine M [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear [redacted] : We recently received a complaint, addressed to the Revdex.com, regarding your Christopher & Banks credit card account Comenity Bank, formally known as World Financial Network National Bank, issues Christopher & Banks credit card accounts, and we respond to all account-related inquiries I appreciate the opportunity to assist youWe understand your concerns outlined in your complaint, and we sincerely apologize for any frustration or confusion you may have experienced, as a result of receiving a mailer from the Bank After a thorough investigation, our records indicate the Christopher & Banks credit card account was opened March 20, 2014, in the name of [redacted] ; use of the account or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees The last purchase of $was applied to the account on November 25, 2014, and the last payment of $was received on January 2, For your review, we have enclosed a copy of the CCA, copies of the sales receipts provided by Christopher & Banks, along with copies of the monthly billing statements, which show the account activity that comprised the account balance, which were reported to the credit bureaus We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, [redacted] *** Consumer Relations Specialist
Dear MsColeman:Thank you for contacting the Revdex.com, regarding the above-referencedaccountComenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we arehere to help with account-related questionsYour additional complaint was forwarded to myattention, and I appreciate the opportunity to assist you.We understand from your additional complaint that you are forwarding additional informationregarding your complaint, which include fraud billsYou have concerns regarding late fees andinterest that have been charged to the accountYou also have questions regarding the provisionalcredits.As we previously stated, your concerns have been forwarded to our Account Protection (Fraud)Team, and fraud case number [redacted] was opened on October 18, The case wastransferred from [redacted] to [redacted] who is now the investigator assigned to yourcaseThe investigation may take up to days to be completed, and you will be notified by mailof the outcomeThe account has been closed to prevent any further charges.I hope you found this information to be helpfulShould you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at ###-###-####(TDD/TTY ###-###-####).Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Dear Ms [redacted] : Thank you for your recent complaint regarding the My BJ’s Perks™ MasterCard® account Comenity Capital Bank issues My BJ’s Perks™ MasterCard® accounts, and we are here to help with your account-related questions I appreciate this opportunity to address your concernsWe understand from the complaint that you made a settlement agreement with the Bank in April with payments being scheduled through January In February 2016, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due You are requesting that the account is reported as paid in full We apologize for any frustration or inconvenience you may have experienced as a result of this matterBank records indicate that on April 7, 2015, ten equal payments of $were scheduled for April 7, 2015, through January 7, 2016, to settle the account balance Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debtPlease be assured that we have updated our records to reflect the account as paid in full for less than the full balance Additionally, this information has been sent to the national credit-reporting agencies Please allow days for them to update their records In the meantime, please use this letter to confirm that the account has been settled, and no balance is due We hope this information has been helpful If you need assistance with your account, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Kristina W***
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccountComenity Bank issues the Trek credit cardWe are here to answer yourquestions and assist with your concerns.I understand from your additional correspondence that you previously submitted a complaint towhich the Bank responded and advised we needed time to investigateHowever, you neverreceived any further communication from the BankNow you are unable to obtain a loan at thelowest rate due to the information the Bank is reporting to your credit bureau report.I apologize for any inconvenience or frustration this matter may have caused you.Please be assured our fraud investigation was completed and we determined you were notresponsible for the accountOn April 24, 2017, the Bank submitted a request to the credit reportingagencies for the Trek credit card account to be deleted from your credit bureau reportWhen thisrequest is made it may take up to business days to be completedIn the meantime, pleaseuse this letter as confirmation the account is being deleted from your credit report.We apologize you did not receive our previous letter confirming you were not responsible for theaccount.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W***
We are in receipt of your complaint regarding the above-referenced applications Comenity Bank issues maurices, and Victoria’s Secret credit card accounts, and we respond to all account, and application-related questions Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, in February of you applied for the Victoria’s Secret credit card, and in March of 2016, you applied for a maurices credit card You advised that you never received a response regarding either application within the noted timeframe of 7-business days, and that later noticed your credit score had been impacted by the application submissionsYou state that you contacted the Customer Care Center to resolve this matter, and you were directed to wait on your letters of approval/denialAfter two weeks, and not receiving documentation regarding your application status, you then contacted Comenity Bank to address your concerns, and were advised that our records purge applications after a thirty day interval, and requested that you reapply During this process, you advise, your credit score had been impacted due to two hard hits listed from both applications submittedYou are requesting Comenity Bank remove the maurices or all of the inquiries listed on your Credit Bureau Report, and a full explanation from Comenity Bank advising why you did not receive information regarding your approval or denial for the application you submitted, and valid confirmation advising if you were approved or denied for the maurices/Victoria’s Secret credit cards.Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you Please be assured, Comenity Bank completed a thorough investigation of your complaint, and would like to share our findingsBank records indicate your Victoria’s Secret application had a keying error in which the application did not list a valid address; therefore, the credit bureau was unable to accurately read the information when the application was submitted As such, Comenity Bank was unable to process your application or make a decision to approve or deny it, we were also unable to mail a response to the application without a valid address.Regarding the application for the maurices credit card; bank records indicate this matter has been investigated and a response dated March 6, 2016, was previously issued to the following address listed on the application: [redacted] Please note, due to the matters addressed in the prior correspondence, your application for a maurices credit card was declined I have enclosed a copy of the previous response for your review Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity At this time, Comenity Bank finds the inquiries to be valid; therefore, we are unwilling to delete the inquiries from your credit report Please note, to dispute this matter further, please contact the credit reporting agencies directly at the address/phone numbers listed below: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 would be happy to assist youSincerely,Geanine M***Consumer Relations Specialist
Dear [redacted] : Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit card accountWe are here to answer your questions and assist with your concernsYour complaint states that you opened a Victoria’s Secret Angel account in and that the Bank closed your account without notifying youYou further state that there was a class action lawsuit against the Bank and you received a $gift cardFurthermore, you state that years later, your account was reopenedIn February or March 2017, you made a purchase and was aware that you would have a bill due soonHowever, you did not receive a statement until May As a result of not receiving your statements, your account was charged late fees and your account was reported as delinquent to the credit bureau agenciesYou are requesting that the late fees be removed and the delinquency be removed from your credit bureau reportWe understand your concerns, and apologize for any frustration or inconvenience this may have caused youPlease 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 AgreementBank records indicate that the Victoria’s Secret Angel account was opened on August 9, 2010, in the name of [redacted] Please be advised that your account was never closed; however, in June 2016, the Bank did change the Victoria’s Secret Angel card number from a nine digit account number to a fifteen digit account numberBank records further indicate that you are enrolled in paperless statements and notifications are sent to [redacted] , which is the email address you provided on March 13, Notification is sent to the email you provided advising you of when a statement is ready to be viewedPlease be advised that on March 16, 2017, a statement was issued showing a balance of $with a minimum payment of $due by April 11, The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your accountFurthermore, on April 15, 2017, a statement was issued showing a balance of $with a minimum payment of $due by May 11, The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your accountOn May 16, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by June 11, The Bank received a payment of $on May 22, Bank records further indicate that your account received a courtesy late fee credit of $on May 22, 2017, and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validPlease be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agenciesWe have found the information we reported is an accurate reflection of the payment history for your accountTherefore, this information will not be changed or removed from your credit bureau reportI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor [redacted] credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Better Business Bureau, that you scheduled a payment via our Account Center and the Account Center failed to draft the amountAs such this caused the account to assess a late fee and interestYou are requesting the fees removed due to this matterAfter reviewing the account, our records indicate that you are not the primary accountholder on the above mentioned accountAs such, the Bank will respond to the primary accountholder regarding this matterIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S***
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the fullbeauty credit cardWe are here to answer your questions and assist with your concernsWe understand your concerns as stated in your correspondenceYou were charged $for a club membership fee that you did not authorizeYou are requesting to have the fees credited, your account brought to zero, and any negative information on your credit report related to this matter removedAccording to fullbeauty records, the charge of $was for the renewal of the Shopper’s Club membership, which is purchased through the Woman Within catalog departmentIf you have additional concerns or questions regarding this renewal or wish to cancel future renewals, we ask that you contact Woman Within directly at ###-###-####In the interest of customer service, we have credited $for the renewal of the Shopper’s Club membership fee, the late fees, and finance charges, which will bring the account to a zero balanceWe have also corrected the payment history to reflect a current accountPlease allow the credit agencies days to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Tionna M***
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Dots 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 stating that you owe $ You state that you have paid the balance, and that you were advised bank fees would be removed We further understand you believe the account balance is all fees You are requesting that the account be closed with a zero balance I am happy to share my findings with you I listened to the calls in question and during two of the calls you stated that you did not work due to being a college student, and therefore were unable to make a payment During the call that was placed to you on April 17, 2015, you advised the representative that you did not feel that you owed the money due to being advised that the fees would be removed and they were not At that time the representative advised you that you successfully completed the Banks Hardship program on August 24, 2014, and all late fees were removed at that time; but there was a balance left on the account in the amount of $ As the Bank never received any payment towards this balance more late fees and finance charges were assessed to the account The representative advised you at that time that if you would be willing to make a payment that he would split the balance with you, which means if you would make a payment of $he would remove the remaining balance At that time you advised the representative that you had filed a dispute After a thorough review of the account, our records indicate that the account was closed by the Bank on June 11, On April 22, 2015, the account was written off and reported to the national credit bureaus as an unpaid debt This will stay on your credit bureau for seven years As of the date of this letter, the balance on the account is $ As your account was issued credits for Bank fees previously, please understand that we are unwilling to credit your account any additional late fees or finance charges at this time The account is currently being managed by Comenity Bank’s Recovery department If you would like to discuss payment options, please contact them directly, toll free, at ###-###-#### (TDD/TTY ###-###-####) I hope this information is helpful Should you have additional questions, please contact our Recovery Department at the telephone number provided They will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referencedaccountComenity Bank issues Roaman’s credit card accountsWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you made an order with Roaman’s in which you returnedthe merchandiseYou contacted Roaman’s and confirmed that the items were returned within theday return periodThen you received a bill for $for postageYou are requesting to notbe contacted any further and to have this removed from your credit report.Please understand that Comenity Bank and Roaman’s are two separate entitiesComenity Bankis responsible for addressing questions related to your credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandiseIf merchandise is returned within days, Roaman’s willrefund the cost of the merchandise; however, shipping and handling charges are not refundable.Additionally, if you use the Customer Return Label (CRL), for your return, Roaman’s will chargeyour account for the cost of the label.After a review of your account; a purchase in the amount of $was applied to your accounton September 14, A return credit was applied to your account on October 09, 2015, in theamount of $which was less the shipping and handling feeAs the CRL was used, theamount of $was charged on October 09, 2015, as well.On October 22, 2015, a statement was issued which reflected the return credit and CRL charge.The new balance was $18.09, and a payment of $was due by November 17, 2015.Subsequent billing statements were issued each month; however, no payment was received.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.On February 08, 2016, you contacted the Bank and advised that you were receiving billing statements, but your order was returnedYou further stated that you contacted Roaman’s and they confirmed the return was received and creditedRoaman’s also advised you they charged you for shipping and handling and the return labelThe representative advised you of the balance and explained that no payment was received, which resulted in the account being assessed late feesAt this point you advised the representative that you wouldn’t be paying.As the account exceeded six consecutive billings past due, the account was closed, written-off by the Bank, and reported as an unpaid debtThe account was sold to Midland Credit ManagementIf you have any further questions about the debt, please contact them directly at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Diamond L***
we never were told percent of interest, before or after comenity bank came on the scene........we never purchased anything from roamans,.........we never consented to the interest charged.....we are only paying for articles purchased and we do not accept the rate of interest, which we still do not know what it is.......we requested a paper statement from woman within, to no avail.......we are not paying another penny, until we have a paper statement, and have decided what will pay them....woman within is not honest.......thankyou I am rejecting this response because: Regards, [redacted]
This is outrageous...if this bank wants to settle this manner they should make a reasonable settlement offer...their response of Our Way or the Highway is unacceptable Regards, [redacted]
Thank you for your additional complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related inquiriesI appreciate the opportunity to assist you.We understand your concerns regarding the late fees previously assessed to the account, and that you are requesting all late fees be waived.Please be assured that all late fees were credited to your account on January 16, As of today’s date, the account has a zero balance.I apologize for any confusion this matter may have caused you, and I hope you find this information to be helpfulIf you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,
Comenity 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 opened THE LIMITED account, and made a purchase in March You state you returned to the store, as you had not received a bill You contacted the Bank, and were advised that the payment was late You advised that you had not received the bill; however, you paid what was owed You state the representative would not waive the late fee You called in August to resolve this matter, and spoke with a representative who removed the fees You state the calls started up again, and you were advised that the prior representative, who assured you this was resolved, had no authority to remove the fees You request that the Bank remove the fees and update the credit reporting from March through the current date We apologize for the frustration this matter has caused you I am happy to share my findings Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate that a billing statement was issued on April 11, 2016, with a balance of $207.96, and a minimum payment of $27.00, due by May 7, No payment was made, and a late fee was assessed A billing statement was issued on May 12, 2016, with a balance of $239.58, and a minimum payment of $37.00, due by June 7, The payment of $was received on May 18, 2016, this payment left a remaining balance of $ As no payment was received for the $33.02, this balance increased with the accruing Bank fees We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations We apologize if you felt that you did not receive the best customer service We never intend to treat our customers in a less-than-satisfactory manner We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met We reviewed the phone call from August 19, The representative did confirm she would remove both the accumulated fees, totaling $57.42, and the delinquencies reported to the credit agencies The delinquencies were updated, and a letter was issued I have enclosed a copy of the letter for your records Unfortunately, the fees were not removed as promised Due to this Bank error, please be assured the balance of $has been credited Additionally, we have sent instructions to the credit agencies to remove the delinquencies reported regarding this matter Please allow the credit agencies days to update their records Although the account was closed per your request, we hope you continue to shop with THE LIMITED 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, KaiM
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the KingSize credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that you placed an order by phoneYou state that after you gave customer service your order the call ended and you did not authorize this purchase to be added to your KingSize accountA week later you received two shirts with a bill of $At that time you exchanged one of the shirts and submitted a check of $for the shirt that was keptAfter receiving the exchange, you mailed another check of $You received a statement with a late fee of $and a finance charge of $You are requesting a refund of these feesPlease note Comenity Bank and KingSize are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountKingSize is responsible for handling matters related to sales, merchandise processing, returns and shippingAfter reviewing our records, we found the KingSize account was opened on December 19, We contacted KingSize on your behalf and the call was reviewed regarding the order placed on December 14, 2016, and we obtained confirmation that authorization was given to have the purchase placed on the accountAfter a thorough review of the account, our records indicate that on December 14, 2016, an order was placed for two Flnshrt’s in the amount of $On December 18, 2016, a credit of $posted to the account for shipping and handlingOn January 2, 2017, a statement was issued with a balance of $and a minimum payment of $due on January 28, A payment of $was received on January 14, 2017, thank you for this payment On February 2, 2017, a statement was issued with a balance of $and a minimum payment of $due on February 28, As no payment was received by the due date a late fee of $20.00, and a finance charge of $was assessed to the accountOn March 2, 2017, a statement was issued with a balance of $and a minimum payment of $due March 28, As no payment was received by the due date a late fee of $was assessed to the accountOn March 10, 2017, a courtesy we issued credits totaling $for the late fee and finance charge previously assessed to the accountOn April 2, 2017, a statement was issued with a balance of $and a minimum payment of $due on April 28, A payment of $was received on April, 21, 2017, thank you for this paymentAs of the date of this letter, the account has a zero balancePlease 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 AgreementAs the Bank finds that previous fee credits of $were applied to your account, we are unwilling to credit another late fee, as this fee is validI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, Renee S*** Renee S*** Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountsComenity Bank issues the Victoria's Secret Angel, and LOFT credit cardsWe are hereto answer your questions and assist with your concerns.You mentioned the Bank is reporting inaccurate information on your credit report; the Bank isreporting your Victoria’s Secret account as being $past due by daysYou state this isincorrect and your billing statements show differentThe Bank has lowered your credit limit onboth of your accounts, and you have closed them both due to being concerned your credit willbe impactedYou would like both of your accounts reopened with their original terms.Please keep in mind that when payments are not received, are made for less than the minimumrequired, or are received after the due date cutoff time, the account will be assessed a late fee,as explained in the Credit Card Agreement (CCA).Your November 2, 2017, Victoria's Secret Angel billing statement had a balance of $2,374.84with a minimum payment of $due on November 28, Since no payment wasreceived a late fee of $and finance charges of $were added to your accountOnyour December 2, 2017, billing statement you had a balance of $2,with a minimumpayment of $due on December 28, We received a payment of $onDecember 28, Since the full minimum payment was not received, a late fee of $andfinance charges of $were added to your accountOn your January 2, 2018, billingstatement you had a balance of $2,with a minimum payment of $due on January28, 2017, and we received a payment of $Please find enclosed these billing statementsfor your reference.Please note, the CCA gives us the right to investigate customer credit records and to lower acustomer’s credit limit at any time, for any reasonYour Victoria's Secret Angel account creditlimit was lowered in January as a result of account becoming two billings past due.The Bank sent a letter to you dated January 4, 2018, advising that your LOVELOFT accountcredit limit had been lowered as a result of a significant decrease in your credit scoreA copy ofthe letter is enclosed with this correspondence.We understand your concern regarding how these accounts reflect on your credit reportsWehave verified we are reporting the accounts correctly to the credit reporting agenciesWe arerequired by law to report factual information.We respectfully decline your request to reopen the Victoria's Secret Angel, and LOVELOFTaccounts.We apologize for any frustration or inconvenience this may have caused youI hope you havefound this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Alyson F
Compliance Dept– Consumer ResponsesEnclosurescc: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you did not receive the billing statements from August through November You state you were not aware there was a balance until you tried to use the card in November, and were informed the account was suspendedYou contacted the Bank, and were informed that a letter would be sent regarding the status of the account and the dispute; however, you did not receive the letter dated December 6, 2016, and received another statement with a late feeYou don’t understand how an electronic bill payment withdrawal on July 29, 2016, did not post until August 9, 2016, or why the representative did not ask if you wanted to settle the account in November I am happy to share my findings Bank records indicate that the billing statements were deliveredAdditionally, the Bank has no record of any correspondence being returned as undeliverableYou may wish to advise your local post office of the issue with your mail delivery As advised in the prior correspondence, you contacted the Bank on November 29, 2016, and a dispute was submitted on your behalfYou did not request to settle the account; however, you requested to have the fees removed Please note that payments are posted to the account on the date they are receivedThe payment of $was not received until August 9, We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by law I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your Peeblescredit card accountCornenity Bank issues Peebles credit cards, and we respond to allaccount-related questions and concernsYour complaint was fowarded to my attention, and Iappreciate the opportunity to assist you.We understand from your complaint, you did not receive a monthly billing statement, and youwere unable to secure a payment for your Peebles credit card account via online or in store at aPeebles retail locationDue to matters with your mother's health, you lost track of time, andsecured a late payment over the phoneAs a result, you received a 30-day delinquency on yourcredit bureau report, which resulted in your credit score declining from to 680.You are requesting Cornenity Bank remove the delinquent notification from your credit bureaureport.We apologize for any frustration or inconvenience you may have experienced regarding thismatter and we are truly sorry to hear about your motherIt is our hope that all is well.Please be advised, in the interest of the customer service, the payment history for the month ofJune has been updated on your Peebles credit card accountPlease allow the creditreporting agencies days to update their records.Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)will be happy to assist you.Sincerely Geanine M [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear [redacted] : We recently received a complaint, addressed to the Revdex.com, regarding your Christopher & Banks credit card account Comenity Bank, formally known as World Financial Network National Bank, issues Christopher & Banks credit card accounts, and we respond to all account-related inquiries I appreciate the opportunity to assist youWe understand your concerns outlined in your complaint, and we sincerely apologize for any frustration or confusion you may have experienced, as a result of receiving a mailer from the Bank After a thorough investigation, our records indicate the Christopher & Banks credit card account was opened March 20, 2014, in the name of [redacted] ; use of the account or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees The last purchase of $was applied to the account on November 25, 2014, and the last payment of $was received on January 2, For your review, we have enclosed a copy of the CCA, copies of the sales receipts provided by Christopher & Banks, along with copies of the monthly billing statements, which show the account activity that comprised the account balance, which were reported to the credit bureaus We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, [redacted] *** Consumer Relations Specialist
Dear MsColeman:Thank you for contacting the Revdex.com, regarding the above-referencedaccountComenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we arehere to help with account-related questionsYour additional complaint was forwarded to myattention, and I appreciate the opportunity to assist you.We understand from your additional complaint that you are forwarding additional informationregarding your complaint, which include fraud billsYou have concerns regarding late fees andinterest that have been charged to the accountYou also have questions regarding the provisionalcredits.As we previously stated, your concerns have been forwarded to our Account Protection (Fraud)Team, and fraud case number [redacted] was opened on October 18, The case wastransferred from [redacted] to [redacted] who is now the investigator assigned to yourcaseThe investigation may take up to days to be completed, and you will be notified by mailof the outcomeThe account has been closed to prevent any further charges.I hope you found this information to be helpfulShould you have any additional questions orconcerns about the investigation, please contact our Account Protection Team at ###-###-####(TDD/TTY ###-###-####).Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Dear Ms [redacted] : Thank you for your recent complaint regarding the My BJ’s Perks™ MasterCard® account Comenity Capital Bank issues My BJ’s Perks™ MasterCard® accounts, and we are here to help with your account-related questions I appreciate this opportunity to address your concernsWe understand from the complaint that you made a settlement agreement with the Bank in April with payments being scheduled through January In February 2016, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due You are requesting that the account is reported as paid in full We apologize for any frustration or inconvenience you may have experienced as a result of this matterBank records indicate that on April 7, 2015, ten equal payments of $were scheduled for April 7, 2015, through January 7, 2016, to settle the account balance Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debtPlease be assured that we have updated our records to reflect the account as paid in full for less than the full balance Additionally, this information has been sent to the national credit-reporting agencies Please allow days for them to update their records In the meantime, please use this letter to confirm that the account has been settled, and no balance is due We hope this information has been helpful If you need assistance with your account, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Kristina W***
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccountComenity Bank issues the Trek credit cardWe are here to answer yourquestions and assist with your concerns.I understand from your additional correspondence that you previously submitted a complaint towhich the Bank responded and advised we needed time to investigateHowever, you neverreceived any further communication from the BankNow you are unable to obtain a loan at thelowest rate due to the information the Bank is reporting to your credit bureau report.I apologize for any inconvenience or frustration this matter may have caused you.Please be assured our fraud investigation was completed and we determined you were notresponsible for the accountOn April 24, 2017, the Bank submitted a request to the credit reportingagencies for the Trek credit card account to be deleted from your credit bureau reportWhen thisrequest is made it may take up to business days to be completedIn the meantime, pleaseuse this letter as confirmation the account is being deleted from your credit report.We apologize you did not receive our previous letter confirming you were not responsible for theaccount.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W***
We are in receipt of your complaint regarding the above-referenced applications Comenity Bank issues maurices, and Victoria’s Secret credit card accounts, and we respond to all account, and application-related questions Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, in February of you applied for the Victoria’s Secret credit card, and in March of 2016, you applied for a maurices credit card You advised that you never received a response regarding either application within the noted timeframe of 7-business days, and that later noticed your credit score had been impacted by the application submissionsYou state that you contacted the Customer Care Center to resolve this matter, and you were directed to wait on your letters of approval/denialAfter two weeks, and not receiving documentation regarding your application status, you then contacted Comenity Bank to address your concerns, and were advised that our records purge applications after a thirty day interval, and requested that you reapply During this process, you advise, your credit score had been impacted due to two hard hits listed from both applications submittedYou are requesting Comenity Bank remove the maurices or all of the inquiries listed on your Credit Bureau Report, and a full explanation from Comenity Bank advising why you did not receive information regarding your approval or denial for the application you submitted, and valid confirmation advising if you were approved or denied for the maurices/Victoria’s Secret credit cards.Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you Please be assured, Comenity Bank completed a thorough investigation of your complaint, and would like to share our findingsBank records indicate your Victoria’s Secret application had a keying error in which the application did not list a valid address; therefore, the credit bureau was unable to accurately read the information when the application was submitted As such, Comenity Bank was unable to process your application or make a decision to approve or deny it, we were also unable to mail a response to the application without a valid address.Regarding the application for the maurices credit card; bank records indicate this matter has been investigated and a response dated March 6, 2016, was previously issued to the following address listed on the application: [redacted] Please note, due to the matters addressed in the prior correspondence, your application for a maurices credit card was declined I have enclosed a copy of the previous response for your review Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity At this time, Comenity Bank finds the inquiries to be valid; therefore, we are unwilling to delete the inquiries from your credit report Please note, to dispute this matter further, please contact the credit reporting agencies directly at the address/phone numbers listed below: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 would be happy to assist youSincerely,Geanine M***Consumer Relations Specialist
The prior response was not sent to the president nor CEO of the company Regards, [redacted]
Dear [redacted] : Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit card accountWe are here to answer your questions and assist with your concernsYour complaint states that you opened a Victoria’s Secret Angel account in and that the Bank closed your account without notifying youYou further state that there was a class action lawsuit against the Bank and you received a $gift cardFurthermore, you state that years later, your account was reopenedIn February or March 2017, you made a purchase and was aware that you would have a bill due soonHowever, you did not receive a statement until May As a result of not receiving your statements, your account was charged late fees and your account was reported as delinquent to the credit bureau agenciesYou are requesting that the late fees be removed and the delinquency be removed from your credit bureau reportWe understand your concerns, and apologize for any frustration or inconvenience this may have caused youPlease 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 AgreementBank records indicate that the Victoria’s Secret Angel account was opened on August 9, 2010, in the name of [redacted] Please be advised that your account was never closed; however, in June 2016, the Bank did change the Victoria’s Secret Angel card number from a nine digit account number to a fifteen digit account numberBank records further indicate that you are enrolled in paperless statements and notifications are sent to [redacted] , which is the email address you provided on March 13, Notification is sent to the email you provided advising you of when a statement is ready to be viewedPlease be advised that on March 16, 2017, a statement was issued showing a balance of $with a minimum payment of $due by April 11, The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your accountFurthermore, on April 15, 2017, a statement was issued showing a balance of $with a minimum payment of $due by May 11, The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your accountOn May 16, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by June 11, The Bank received a payment of $on May 22, Bank records further indicate that your account received a courtesy late fee credit of $on May 22, 2017, and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validPlease be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agenciesWe have found the information we reported is an accurate reflection of the payment history for your accountTherefore, this information will not be changed or removed from your credit bureau reportI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor [redacted] credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Better Business Bureau, that you scheduled a payment via our Account Center and the Account Center failed to draft the amountAs such this caused the account to assess a late fee and interestYou are requesting the fees removed due to this matterAfter reviewing the account, our records indicate that you are not the primary accountholder on the above mentioned accountAs such, the Bank will respond to the primary accountholder regarding this matterIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S***
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the fullbeauty credit cardWe are here to answer your questions and assist with your concernsWe understand your concerns as stated in your correspondenceYou were charged $for a club membership fee that you did not authorizeYou are requesting to have the fees credited, your account brought to zero, and any negative information on your credit report related to this matter removedAccording to fullbeauty records, the charge of $was for the renewal of the Shopper’s Club membership, which is purchased through the Woman Within catalog departmentIf you have additional concerns or questions regarding this renewal or wish to cancel future renewals, we ask that you contact Woman Within directly at ###-###-####In the interest of customer service, we have credited $for the renewal of the Shopper’s Club membership fee, the late fees, and finance charges, which will bring the account to a zero balanceWe have also corrected the payment history to reflect a current accountPlease allow the credit agencies days to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Tionna M***
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues Dots 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 stating that you owe $ You state that you have paid the balance, and that you were advised bank fees would be removed We further understand you believe the account balance is all fees You are requesting that the account be closed with a zero balance I am happy to share my findings with you I listened to the calls in question and during two of the calls you stated that you did not work due to being a college student, and therefore were unable to make a payment During the call that was placed to you on April 17, 2015, you advised the representative that you did not feel that you owed the money due to being advised that the fees would be removed and they were not At that time the representative advised you that you successfully completed the Banks Hardship program on August 24, 2014, and all late fees were removed at that time; but there was a balance left on the account in the amount of $ As the Bank never received any payment towards this balance more late fees and finance charges were assessed to the account The representative advised you at that time that if you would be willing to make a payment that he would split the balance with you, which means if you would make a payment of $he would remove the remaining balance At that time you advised the representative that you had filed a dispute After a thorough review of the account, our records indicate that the account was closed by the Bank on June 11, On April 22, 2015, the account was written off and reported to the national credit bureaus as an unpaid debt This will stay on your credit bureau for seven years As of the date of this letter, the balance on the account is $ As your account was issued credits for Bank fees previously, please understand that we are unwilling to credit your account any additional late fees or finance charges at this time The account is currently being managed by Comenity Bank’s Recovery department If you would like to discuss payment options, please contact them directly, toll free, at ###-###-#### (TDD/TTY ###-###-####) I hope this information is helpful Should you have additional questions, please contact our Recovery Department at the telephone number provided They will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referencedaccountComenity Bank issues Roaman’s credit card accountsWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you made an order with Roaman’s in which you returnedthe merchandiseYou contacted Roaman’s and confirmed that the items were returned within theday return periodThen you received a bill for $for postageYou are requesting to notbe contacted any further and to have this removed from your credit report.Please understand that Comenity Bank and Roaman’s are two separate entitiesComenity Bankis responsible for addressing questions related to your credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandiseIf merchandise is returned within days, Roaman’s willrefund the cost of the merchandise; however, shipping and handling charges are not refundable.Additionally, if you use the Customer Return Label (CRL), for your return, Roaman’s will chargeyour account for the cost of the label.After a review of your account; a purchase in the amount of $was applied to your accounton September 14, A return credit was applied to your account on October 09, 2015, in theamount of $which was less the shipping and handling feeAs the CRL was used, theamount of $was charged on October 09, 2015, as well.On October 22, 2015, a statement was issued which reflected the return credit and CRL charge.The new balance was $18.09, and a payment of $was due by November 17, 2015.Subsequent billing statements were issued each month; however, no payment was received.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.On February 08, 2016, you contacted the Bank and advised that you were receiving billing statements, but your order was returnedYou further stated that you contacted Roaman’s and they confirmed the return was received and creditedRoaman’s also advised you they charged you for shipping and handling and the return labelThe representative advised you of the balance and explained that no payment was received, which resulted in the account being assessed late feesAt this point you advised the representative that you wouldn’t be paying.As the account exceeded six consecutive billings past due, the account was closed, written-off by the Bank, and reported as an unpaid debtThe account was sold to Midland Credit ManagementIf you have any further questions about the debt, please contact them directly at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Diamond L***
we never were told percent of interest, before or after comenity bank came on the scene........we never purchased anything from roamans,.........we never consented to the interest charged.....we are only paying for articles purchased and we do not accept the rate of interest, which we still do not know what it is.......we requested a paper statement from woman within, to no avail.......we are not paying another penny, until we have a paper statement, and have decided what will pay them....woman within is not honest.......thankyou I am rejecting this response because: Regards, [redacted]