Dear [redacted] ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns Your correspondence indicates you did not intend to apply for a Victoria’s Secret Angel credit card account but an account was opened in your nameWe apologize for any frustration or inconvenience this matter may have caused you The account was opened via retail quick credit on March 16, Please note when an application is processed, an applicant is required to provide personal information such as date of birth, Social Security number, etc., to open an accountOn March 16, 2017, a purchase for $was charged to this credit card accountAs of the date of this letter, the balance is zero Since your correspondence states you did not intend to apply for this credit card account, the account was closed and notification was sent to the credit reporting agencies to delete the account and the inquiry associated with this account from your filesThis update should appear on your credit file within the next calendar days I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Thank you for your complaint, addressed to the Revdex.com regarding the above notedaccountsComenity Bank issues DSW Rewards Visa@, WESTGATE RESORTSMastercard B and Overton's Mastercard B accounts and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate this opportunity toassist youWe understand from the complaint that a block was placed on your DSW Rewards Visa@,WESTGATE RESORTS Mastercard B and Overton's MasterCard O accountsYou state that youhave been requested to provide a copy of your driver's license, and social security card,and that you are concerned that your personal information compromisedYou arerequesting that your accounts be unblocked, and for an to resolve and expediteyour concerns.Please note that Comenity Bank actively monitors customers' accounts for potential securityconcernsIf a security concern is identified by the Bank, a temporary hold will be added to anaccount until further verification can be obtained from the primary account holder.Additionally, Comenity Bank is unable to provide you any options; it is necessary thatwe obtain the requested documentation in order to verify and unblock your accounts.We hope this information is helpfulShould you have any further questions or concerns, pleasecontact our Account Protection (Fraud) team at (800) 888-695-1788)Theywould be happy to assist you.Sincerely,Rosa M [redacted]
Dear Mr [redacted] : We received your additional complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Ortitz Rewards Visa credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youOur records indicate that the situation referenced in your complaint has been investigated and responses were previously issued on January 21, 2016, and May 25, 2016, explaining our findings and resolutionComenity Capital Bank’s position remains unchangedEnclosed, please find copies of both of these previous responsesComenity Capital Bank recommends reaching out directly to the merchant for assistanceWe sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpfulShould you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY) ###-###-####)I will be happy to assist you Sincerely, Rosa M [redacted]
Dear Ms [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you.Your complaint states that we have not helped you and that we are collecting interest and fees although you have not received the account informationYou advised that you will not pay all of the late fees and that you expect the Bank to come up with an offer about the late fees or you will go through small claims courtOnce we make you an offer about the late fees, then you would be willing to talk with the Bank.Please be advised that the position of Comenity Bank remains unchangedAs previously indicated, the monthly statements are being sent to the address listed at the top of this letterAdditionally, we are unable to send statements to you by email and by mail via the post officeHowever, we are sending your statements via the post office and an email is being sent to [redacted] to advise that your statement is available to view on Account Center.As of today’s date, the account is five billing periods past due, and has a balance of $958.19.The account may still qualify for a Hardship Program or settlementTo take advantage of the programs that may be available to you by Comenity Bank, we urge you to call our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####), or you may contact the consumer credit counseling agency, Money Management International (MMI), at ###-###-####, and speak to a credit counselor.We apologize for any inconvenience you have been caused, and we hope this information is helpfulShould you have any further questions or concerns, please contact our Payment Solutions team at the number providedThey will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
These were withdrawals by Comenity Bank from my [redacted] checking account for which services were never performed I did not benefit from the alleged servicesI request a full refund of $2, Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referencedaccountComenity Bank previously issued the maurices credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our response sent to you on January 31, 2017,and March 1, 2017.Please understand that Comenity Bank and maurices are separate entitiesComenity Bankissues and responds to questions regarding the credit card accountMaurices responds toquestions regarding merchandise, purchases, returns, and shippingAs previously stated, theBank does not have information regarding maurices return/exchangesPlease contact mauricesdirectly regarding your return.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W***Dear [redacted] Comenity Bank has received your correspondence regarding the above-referencedaccountComenity Bank previously issued the maurices credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our response sent to you on January 31, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept– Consumer Responses
Dear Ms [redacted] Thank you for the recent complaint, addressed to the Revdex.com, regarding theabove-noted matterComenity Bank issues various credit card accounts and we are here toanswer all account-related questionsYour correspondence was forwarded to my attention forreview and I appreciate this opportunity to assist you with your concerns.We understand your concerns as explained in the complaint and we appreciate the opportunityto address those concerns.Please understand that current privacy laws prohibit us from providing application information toanyone other than the applicantSo that we may further assist in this matter, we have sent aletter directly to [redacted] ***h.I apologize for the frustration or inconvenience that you have experienced regarding this matter.Should [redacted] ***h have any fulfher questions, please have her contact me directly at###-###-####, ext [redacted] (TDD/TTY ###-###-####)- I will be happy to assist[redacted] *** [redacted]
They did not address the actual problem at all Which is how they could have caused a customer to be unduly stranded somewhere by their irresponsible actions Warning In every zip code there is a skunk and this little stinker wandered into mine I wasn't looking for any more travel based credit cards being as I already had three of the top rated but when I received the pre-approved application for this one I was influenced by the Orbitz name I've been doing business with Orbitz Travel Agency for years + and have always been very happy with their services So when I received this credit card application I said why not ! Now I know why not As last Christmas approached l had the credit lines on some of my existing credit accounts raised which meant credit report inquiries So when I applied for this card I had "too many inquiries " on my credit report , and my FICO score was still 700+ On December 18th I was instantly approved by Comenity Bank for a $credit line I received and activated the card on December 28th I used the card on December 31st and January 1st with no problem for a total of about $However when I attempted to use the card a few days later to pay a $cell phone bill it was declined When I called customer service and spoke with two different representatives, they seemed unable to give me much information, other than that the card had been cancelled January 7th and that I'd receive a letter within a week or two explaining why The letter received said the account had been cancelled on January 7th because of "too many inquires " Basically it was suddenly cancelled without notice on the same information it was approved on This card was good for about days I've had milk good for longer than that Most of Comenity Bank credit cards are store cards If a person was trying to purchase a new hat or pair of gloves or such and the card was suddenly cancelled it may have caused a minor inconvenience But this is a travel based credit card and if a person was relying upon it for safe passage and lodging it could have left them stranded Thinking this was probably a freak accident or computer glitch or something I reported the problem , asked that it be fixed and for a new or reactivated account after problem was fixed The response I received from Comenity Bank was that they could do what they did ( apparently no problem according to their mindset) and I was not going to receive an active account at this time They chose to completely ignore the more important factor as to how this could have put a customer in jeopardy Now that I'm sure this was an intentional act I don't want this card ever Hopefully Orbitz Travel will in the future will do business with a better bank The Orbitz name on this Comenity Bank Visa, is like a wolf in sheeps clothing After this incident ,later in January, to reaffirm to myself my credit standing , I applied for a new Visa and MasterCard from better banks and was approved for both for credit lines over times the amount that had been offered by Comenity Bank Regards, [redacted]
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues avenue® 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 placed an order for two pair of shoes for which you believe the total was around $ You state that you made several payments in the amount of $to $each which should have covered the cost of the shoes You also indicate that you became ill and were unaware that the balance had exceeded $ You are requesting that the late fees and returned payment fees are removed from the account, and you want the account closed I am happy to share my findings with you.We are sorry to hear that you became ill and hope that you are feeling better at this time.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 (CCA) Please find a summary of your avenue® account below I have enclosed a copy of the account CCA, as well as copies of your billing statements which show the account activity that comprised the account balanceYour avenue® account was opened on September 26, 2014; use of the account, or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees The last purchase of $was made on September 29, 2014, and your last payment of $was received on September 18, Comenity Bank is unwilling to credit late fees due to the Bank finds no errors and the balance is valid Additionally, after reviewing the account there were no returned payment fees assessed to the account.As of the date of this letter, the balance is $with a minimum payment of $due on March 17, 2016, and the account is five billing cycles past due If the account becomes six consecutive billing cycles past due, the account will be closed, written off and reported to the national reporting-agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economic factors You may be eligible for enrollment in our Customer Hardship Program This program provides customers with twelve months of special terms in order to bring and keep the account current If you are interested in obtaining information on whether you qualify for this program, please call ###-###-####.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 ###-###-####.The account was closed on March 2, 2016, per your request.If you wish to discuss suitable payment options, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####) We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact our Payment Solutions team at the telephone number providedThey will be happy to assist you.Sincerely, Renee S***
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 $ 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 $reward certificate will be issued on November 15, Please be advised that you should receive this reward certificate within 4-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]
Dear Ms***:We received your complaint regarding the account noted aboveCornenity Bank previouslyissued Fashion Bug credit cards and we are here to help with your account-related questionsand concernsYour complaint, addressed to the Revdex.com, was forwarded to myattention and I appreciate the opportunity to assist youunderstand from your complaint, on July 31, 5, you accessed your Fashion Bug credit cardvia Account Center to secure a $payment to post on August 6, On August 17,2015, you received a payment reminder from Comenity Bank referencing your Fashion Bugcredit card account, which prompted you to contact our customer service departmentA Bankrepresentative reviewed your Fashion Bug account, and advised, that account notes indicatedyou logged into your account on July 31, 2015; however, the payment for $did not post.You were also advised that due to your excellent payment history, the $late fee assessedto your Fashion Bug account would be removed.You are requesting Comenity Bank credit the $late fee.I apologize for any frustration or inconvenience you have experienced as a result of this matter.In the interest of customer service, we have issued a credit in the amount of $for thepreviously assessed late fee to your Fashion Bug credit card account, which will reflect on yournext monthly billing statementPlease note, Comenity Bank is unwilling to credit any additionallate fees assessed to your Fashion Bug credit card account.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M [redacted]
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveCornenity Capital Bank issues My BJ's Perksm MastercardB credit cards,and we are here to assist you with all account-related questionsI appreciate the opportunity torespond to your concerns.We understand from your complaint that you made a purchase in the amount of $800.00, thatwas not delivered by the deadline date on your receipt, and you are requesting the refundedamount of $800.00.Our records indicate that the situation referenced in your complaint has been investigated and aresponse has been previously issued explaining our findings and resolutionComenity CapitalBank's position remains the same, as addressed in the response dated February 26,Wehave enclosed a copy of our previous response for your records.Should you have any further questions please contact me at ###-###-####, ext [redacted] (TDDiTTY ###-###-####]I will be happy to assist you.Sincerely,Kristina W***
Yesterday I received a stack of statements from Comenity which they claims was mailed to me back in September when I made my 1st purchase.I never received any statements in the mail or in my email, I did inquire why I did not see the return in deducted from my account, in email response because the items came from the UK any returns takes longer and would be a while before it appears on my statement.Not once was I inform that I would be charge a fee because of the time for items to reach the UK.Not once did I receive any statements for late fee until yesterday when I received pages which they came I was sent.I return all items way in advance, if the items are being sent to the UK why should I be charged[redacted] ***
Dear Ms [redacted] : We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that after reviewing your account, you noticed that you are receiving two finance charges on your account You are requesting that you only receive one finance charge monthlyAfter a thorough review of the account, our records indicate that you have emailed our Secure Message Center regarding this same matter Please be advised, as stated in the return email from our message center, the terms regarding the above-referenced account, including the Annual Percentage Rate (APR), were changed on February 15, All purchases prior to February 15, 2016, are subject to an APR of 25.24% All purchase after February 15, 2016, are subject to the new APR of 27.24% This information can be found on your monthly billing statement in the interest charge calculation section This is the reason for the two finance charges on you statements Once the balance for the purchases made before February 15, 2016, are paid in full your account will only assess one finance charge We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me But I would like the refund processed before this complaint is closed Regards, [redacted]
We received your additional complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your additional complaint that you never received the statements letting you know when your zero interest plan was going to end You state that you had planned to pay of entire balance prior to being charged $in interest charges You state that you wish to pay the balance and close the account We apologize for any inconvenience this matter may have caused you After careful review, we have determined that you enrolled in paperless statements on August 27, 2015, when you registered your account in our online Account Center Your monthly statements were being sent to the email address you provided at registration, [redacted] @YAHOO.COM We have no record of your statement ready email notifications being returned as undeliverable Information regarding your promotional plans can be found on page of your billing statement in the “details of your plans” section Bank records indicate that a credit in the amount of $was issued to your account as courtesy to reverse half of the previously assessed interest charges A payment of $was received on November 6, Please be advised that as of the date of this letter, the balance on your account is now zero Thank you for continuing to shop with Pottery Barn We hope you find this information helpful If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H [redacted] Consumer Relations Specialist
I had no access to make a payment with your company due to being outside the country, I always pay my account in full and have been a Victoria secret credit card holder for yearsI had a medical emergency and had other life threatening things going onI then handled my account one I was able to gain access due to being outside the country handling my medical needs Regards, [redacted] ***
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit cardWe are here to answer your questions and assist with your concerns.Thank you for your additional correspondenceWe apologize for any frustration or inconvenience you experienced as a result of this matter.As previously indicated, the merchant validated the charges and provided the documentationOur decision remains unchangedFor additional questions or concerns related to the charges, we encourage you to contact the merchant directly.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
Dear [redacted] :We have received your complaint regarding the above-referenced accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with any account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint states that you have received threatening phone calls regarding your account and you further state that there is negative payment history reporting on your credit reportYou feel this is not accurate as you state that your account is currentYou are requesting that your credit report be updated to show the account as current, and for the calls to stopI understand the concerns mentioned in your complaint and I apologize for any inconvenience or frustration this may have caused you.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversationsWe apologize if you felt that you did not receive the best customer serviceIt is never the Bank's intention to treat our customers in a less-than-satisfactory manner; however, we found no evidence of the treatment you describedComenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We have updated your account so that you will no longer receive telephone calls at the number ending in ***If you are receiving calls at another number, please contact me so I can update our records.Please note, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact the accountholder regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call the customer until our attempt to communicate is successful.Bank records indicate that the due date on your account is the 19th of each monthAs a result of payments not being made by the due date, or for less than the minimum payment required, a late fee was assessed to your account for the months of March 2015, April 2015, May 2015, and June Furthermore, for the month of April 2015, your account became two billing periods behind, which caused your account to be reported as 30-days delinquent.Comenity Capital Bank is obligated to report factual information to the credit-reporting agenciesWe have found no billing errors on your account, and we believe the information provided is accurate.As of today, the balance on your account is $3,In addition, your account is currently one billing period past duePlease be advised, if the Lending Club account exceeds six billing periods past due, per federal regulations, the account balance would write-off and be reported as an unpaid debt to the national credit-reporting agenciesA write-off account can remain on your credit bureau report for seven years.I hope that the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the HSN credit card accountWe are here toanswer your questions and assist with your concerns.Your correspondence states that you are unable to log online to your account, even though youknow your username and passwordYou further state that you received notification that theaccount center website did not recognize your computerYou requested a code to be sent to youvia phone and email, but never received itYou state the issue is with the Bank, and not with you,and request that the Bank fix the access to your online accountWe understand your concernsand apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that we previously received and responded to correspondence submittedto the Consumer Financial Protection Bureau, and the Bank, regarding this same matterPleasefind enclosed copies of our previous responses sent to you on January 4, 2018, and January 17,2018.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at 1-800-820-8932.Sincerely,Jenny V [redacted] Compliance Dept– Consumer Responses
Dear [redacted] ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns Your correspondence indicates you did not intend to apply for a Victoria’s Secret Angel credit card account but an account was opened in your nameWe apologize for any frustration or inconvenience this matter may have caused you The account was opened via retail quick credit on March 16, Please note when an application is processed, an applicant is required to provide personal information such as date of birth, Social Security number, etc., to open an accountOn March 16, 2017, a purchase for $was charged to this credit card accountAs of the date of this letter, the balance is zero Since your correspondence states you did not intend to apply for this credit card account, the account was closed and notification was sent to the credit reporting agencies to delete the account and the inquiry associated with this account from your filesThis update should appear on your credit file within the next calendar days I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at [redacted] Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Thank you for your complaint, addressed to the Revdex.com regarding the above notedaccountsComenity Bank issues DSW Rewards Visa@, WESTGATE RESORTSMastercard B and Overton's Mastercard B accounts and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate this opportunity toassist youWe understand from the complaint that a block was placed on your DSW Rewards Visa@,WESTGATE RESORTS Mastercard B and Overton's MasterCard O accountsYou state that youhave been requested to provide a copy of your driver's license, and social security card,and that you are concerned that your personal information compromisedYou arerequesting that your accounts be unblocked, and for an to resolve and expediteyour concerns.Please note that Comenity Bank actively monitors customers' accounts for potential securityconcernsIf a security concern is identified by the Bank, a temporary hold will be added to anaccount until further verification can be obtained from the primary account holder.Additionally, Comenity Bank is unable to provide you any options; it is necessary thatwe obtain the requested documentation in order to verify and unblock your accounts.We hope this information is helpfulShould you have any further questions or concerns, pleasecontact our Account Protection (Fraud) team at (800) 888-695-1788)Theywould be happy to assist you.Sincerely,Rosa M [redacted]
Dear Mr [redacted] : We received your additional complaint, addressed to the Revdex.com, regarding the above-noted accountComenity Capital Bank issues Ortitz Rewards Visa credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youOur records indicate that the situation referenced in your complaint has been investigated and responses were previously issued on January 21, 2016, and May 25, 2016, explaining our findings and resolutionComenity Capital Bank’s position remains unchangedEnclosed, please find copies of both of these previous responsesComenity Capital Bank recommends reaching out directly to the merchant for assistanceWe sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpfulShould you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY) ###-###-####)I will be happy to assist you Sincerely, Rosa M [redacted]
Dear Ms [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you.Your complaint states that we have not helped you and that we are collecting interest and fees although you have not received the account informationYou advised that you will not pay all of the late fees and that you expect the Bank to come up with an offer about the late fees or you will go through small claims courtOnce we make you an offer about the late fees, then you would be willing to talk with the Bank.Please be advised that the position of Comenity Bank remains unchangedAs previously indicated, the monthly statements are being sent to the address listed at the top of this letterAdditionally, we are unable to send statements to you by email and by mail via the post officeHowever, we are sending your statements via the post office and an email is being sent to [redacted] to advise that your statement is available to view on Account Center.As of today’s date, the account is five billing periods past due, and has a balance of $958.19.The account may still qualify for a Hardship Program or settlementTo take advantage of the programs that may be available to you by Comenity Bank, we urge you to call our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####), or you may contact the consumer credit counseling agency, Money Management International (MMI), at ###-###-####, and speak to a credit counselor.We apologize for any inconvenience you have been caused, and we hope this information is helpfulShould you have any further questions or concerns, please contact our Payment Solutions team at the number providedThey will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
These were withdrawals by Comenity Bank from my [redacted] checking account for which services were never performed I did not benefit from the alleged servicesI request a full refund of $2, Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referencedaccountComenity Bank previously issued the maurices credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our response sent to you on January 31, 2017,and March 1, 2017.Please understand that Comenity Bank and maurices are separate entitiesComenity Bankissues and responds to questions regarding the credit card accountMaurices responds toquestions regarding merchandise, purchases, returns, and shippingAs previously stated, theBank does not have information regarding maurices return/exchangesPlease contact mauricesdirectly regarding your return.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W***Dear [redacted] Comenity Bank has received your correspondence regarding the above-referencedaccountComenity Bank previously issued the maurices credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our response sent to you on January 31, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept– Consumer Responses
Dear Ms [redacted] Thank you for the recent complaint, addressed to the Revdex.com, regarding theabove-noted matterComenity Bank issues various credit card accounts and we are here toanswer all account-related questionsYour correspondence was forwarded to my attention forreview and I appreciate this opportunity to assist you with your concerns.We understand your concerns as explained in the complaint and we appreciate the opportunityto address those concerns.Please understand that current privacy laws prohibit us from providing application information toanyone other than the applicantSo that we may further assist in this matter, we have sent aletter directly to [redacted] ***h.I apologize for the frustration or inconvenience that you have experienced regarding this matter.Should [redacted] ***h have any fulfher questions, please have her contact me directly at###-###-####, ext [redacted] (TDD/TTY ###-###-####)- I will be happy to assist[redacted] *** [redacted]
They did not address the actual problem at all Which is how they could have caused a customer to be unduly stranded somewhere by their irresponsible actions Warning In every zip code there is a skunk and this little stinker wandered into mine I wasn't looking for any more travel based credit cards being as I already had three of the top rated but when I received the pre-approved application for this one I was influenced by the Orbitz name I've been doing business with Orbitz Travel Agency for years + and have always been very happy with their services So when I received this credit card application I said why not ! Now I know why not As last Christmas approached l had the credit lines on some of my existing credit accounts raised which meant credit report inquiries So when I applied for this card I had "too many inquiries " on my credit report , and my FICO score was still 700+ On December 18th I was instantly approved by Comenity Bank for a $credit line I received and activated the card on December 28th I used the card on December 31st and January 1st with no problem for a total of about $However when I attempted to use the card a few days later to pay a $cell phone bill it was declined When I called customer service and spoke with two different representatives, they seemed unable to give me much information, other than that the card had been cancelled January 7th and that I'd receive a letter within a week or two explaining why The letter received said the account had been cancelled on January 7th because of "too many inquires " Basically it was suddenly cancelled without notice on the same information it was approved on This card was good for about days I've had milk good for longer than that Most of Comenity Bank credit cards are store cards If a person was trying to purchase a new hat or pair of gloves or such and the card was suddenly cancelled it may have caused a minor inconvenience But this is a travel based credit card and if a person was relying upon it for safe passage and lodging it could have left them stranded Thinking this was probably a freak accident or computer glitch or something I reported the problem , asked that it be fixed and for a new or reactivated account after problem was fixed The response I received from Comenity Bank was that they could do what they did ( apparently no problem according to their mindset) and I was not going to receive an active account at this time They chose to completely ignore the more important factor as to how this could have put a customer in jeopardy Now that I'm sure this was an intentional act I don't want this card ever Hopefully Orbitz Travel will in the future will do business with a better bank The Orbitz name on this Comenity Bank Visa, is like a wolf in sheeps clothing After this incident ,later in January, to reaffirm to myself my credit standing , I applied for a new Visa and MasterCard from better banks and was approved for both for credit lines over times the amount that had been offered by Comenity Bank Regards, [redacted]
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues avenue® 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 placed an order for two pair of shoes for which you believe the total was around $ You state that you made several payments in the amount of $to $each which should have covered the cost of the shoes You also indicate that you became ill and were unaware that the balance had exceeded $ You are requesting that the late fees and returned payment fees are removed from the account, and you want the account closed I am happy to share my findings with you.We are sorry to hear that you became ill and hope that you are feeling better at this time.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 (CCA) Please find a summary of your avenue® account below I have enclosed a copy of the account CCA, as well as copies of your billing statements which show the account activity that comprised the account balanceYour avenue® account was opened on September 26, 2014; use of the account, or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees The last purchase of $was made on September 29, 2014, and your last payment of $was received on September 18, Comenity Bank is unwilling to credit late fees due to the Bank finds no errors and the balance is valid Additionally, after reviewing the account there were no returned payment fees assessed to the account.As of the date of this letter, the balance is $with a minimum payment of $due on March 17, 2016, and the account is five billing cycles past due If the account becomes six consecutive billing cycles past due, the account will be closed, written off and reported to the national reporting-agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economic factors You may be eligible for enrollment in our Customer Hardship Program This program provides customers with twelve months of special terms in order to bring and keep the account current If you are interested in obtaining information on whether you qualify for this program, please call ###-###-####.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 ###-###-####.The account was closed on March 2, 2016, per your request.If you wish to discuss suitable payment options, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####) We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact our Payment Solutions team at the telephone number providedThey will be happy to assist you.Sincerely, Renee S***
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 $ 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 $reward certificate will be issued on November 15, Please be advised that you should receive this reward certificate within 4-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]
Dear Ms***:We received your complaint regarding the account noted aboveCornenity Bank previouslyissued Fashion Bug credit cards and we are here to help with your account-related questionsand concernsYour complaint, addressed to the Revdex.com, was forwarded to myattention and I appreciate the opportunity to assist youunderstand from your complaint, on July 31, 5, you accessed your Fashion Bug credit cardvia Account Center to secure a $payment to post on August 6, On August 17,2015, you received a payment reminder from Comenity Bank referencing your Fashion Bugcredit card account, which prompted you to contact our customer service departmentA Bankrepresentative reviewed your Fashion Bug account, and advised, that account notes indicatedyou logged into your account on July 31, 2015; however, the payment for $did not post.You were also advised that due to your excellent payment history, the $late fee assessedto your Fashion Bug account would be removed.You are requesting Comenity Bank credit the $late fee.I apologize for any frustration or inconvenience you have experienced as a result of this matter.In the interest of customer service, we have issued a credit in the amount of $for thepreviously assessed late fee to your Fashion Bug credit card account, which will reflect on yournext monthly billing statementPlease note, Comenity Bank is unwilling to credit any additionallate fees assessed to your Fashion Bug credit card account.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M [redacted]
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveCornenity Capital Bank issues My BJ's Perksm MastercardB credit cards,and we are here to assist you with all account-related questionsI appreciate the opportunity torespond to your concerns.We understand from your complaint that you made a purchase in the amount of $800.00, thatwas not delivered by the deadline date on your receipt, and you are requesting the refundedamount of $800.00.Our records indicate that the situation referenced in your complaint has been investigated and aresponse has been previously issued explaining our findings and resolutionComenity CapitalBank's position remains the same, as addressed in the response dated February 26,Wehave enclosed a copy of our previous response for your records.Should you have any further questions please contact me at ###-###-####, ext [redacted] (TDDiTTY ###-###-####]I will be happy to assist you.Sincerely,Kristina W***
Yesterday I received a stack of statements from Comenity which they claims was mailed to me back in September when I made my 1st purchase.I never received any statements in the mail or in my email, I did inquire why I did not see the return in deducted from my account, in email response because the items came from the UK any returns takes longer and would be a while before it appears on my statement.Not once was I inform that I would be charge a fee because of the time for items to reach the UK.Not once did I receive any statements for late fee until yesterday when I received pages which they came I was sent.I return all items way in advance, if the items are being sent to the UK why should I be charged[redacted] ***
Dear Ms [redacted] : We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that after reviewing your account, you noticed that you are receiving two finance charges on your account You are requesting that you only receive one finance charge monthlyAfter a thorough review of the account, our records indicate that you have emailed our Secure Message Center regarding this same matter Please be advised, as stated in the return email from our message center, the terms regarding the above-referenced account, including the Annual Percentage Rate (APR), were changed on February 15, All purchases prior to February 15, 2016, are subject to an APR of 25.24% All purchase after February 15, 2016, are subject to the new APR of 27.24% This information can be found on your monthly billing statement in the interest charge calculation section This is the reason for the two finance charges on you statements Once the balance for the purchases made before February 15, 2016, are paid in full your account will only assess one finance charge We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S***
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me But I would like the refund processed before this complaint is closed Regards, [redacted]
We received your additional complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues POTTERY BARN credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your additional complaint that you never received the statements letting you know when your zero interest plan was going to end You state that you had planned to pay of entire balance prior to being charged $in interest charges You state that you wish to pay the balance and close the account We apologize for any inconvenience this matter may have caused you After careful review, we have determined that you enrolled in paperless statements on August 27, 2015, when you registered your account in our online Account Center Your monthly statements were being sent to the email address you provided at registration, [redacted] @YAHOO.COM We have no record of your statement ready email notifications being returned as undeliverable Information regarding your promotional plans can be found on page of your billing statement in the “details of your plans” section Bank records indicate that a credit in the amount of $was issued to your account as courtesy to reverse half of the previously assessed interest charges A payment of $was received on November 6, Please be advised that as of the date of this letter, the balance on your account is now zero Thank you for continuing to shop with Pottery Barn We hope you find this information helpful If you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H [redacted] Consumer Relations Specialist
I had no access to make a payment with your company due to being outside the country, I always pay my account in full and have been a Victoria secret credit card holder for yearsI had a medical emergency and had other life threatening things going onI then handled my account one I was able to gain access due to being outside the country handling my medical needs Regards, [redacted] ***
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit cardWe are here to answer your questions and assist with your concerns.Thank you for your additional correspondenceWe apologize for any frustration or inconvenience you experienced as a result of this matter.As previously indicated, the merchant validated the charges and provided the documentationOur decision remains unchangedFor additional questions or concerns related to the charges, we encourage you to contact the merchant directly.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***
Dear [redacted] :We have received your complaint regarding the above-referenced accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with any account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint states that you have received threatening phone calls regarding your account and you further state that there is negative payment history reporting on your credit reportYou feel this is not accurate as you state that your account is currentYou are requesting that your credit report be updated to show the account as current, and for the calls to stopI understand the concerns mentioned in your complaint and I apologize for any inconvenience or frustration this may have caused you.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversationsWe apologize if you felt that you did not receive the best customer serviceIt is never the Bank's intention to treat our customers in a less-than-satisfactory manner; however, we found no evidence of the treatment you describedComenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We have updated your account so that you will no longer receive telephone calls at the number ending in ***If you are receiving calls at another number, please contact me so I can update our records.Please note, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact the accountholder regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call the customer until our attempt to communicate is successful.Bank records indicate that the due date on your account is the 19th of each monthAs a result of payments not being made by the due date, or for less than the minimum payment required, a late fee was assessed to your account for the months of March 2015, April 2015, May 2015, and June Furthermore, for the month of April 2015, your account became two billing periods behind, which caused your account to be reported as 30-days delinquent.Comenity Capital Bank is obligated to report factual information to the credit-reporting agenciesWe have found no billing errors on your account, and we believe the information provided is accurate.As of today, the balance on your account is $3,In addition, your account is currently one billing period past duePlease be advised, if the Lending Club account exceeds six billing periods past due, per federal regulations, the account balance would write-off and be reported as an unpaid debt to the national credit-reporting agenciesA write-off account can remain on your credit bureau report for seven years.I hope that the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]
Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the HSN credit card accountWe are here toanswer your questions and assist with your concerns.Your correspondence states that you are unable to log online to your account, even though youknow your username and passwordYou further state that you received notification that theaccount center website did not recognize your computerYou requested a code to be sent to youvia phone and email, but never received itYou state the issue is with the Bank, and not with you,and request that the Bank fix the access to your online accountWe understand your concernsand apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that we previously received and responded to correspondence submittedto the Consumer Financial Protection Bureau, and the Bank, regarding this same matterPleasefind enclosed copies of our previous responses sent to you on January 4, 2018, and January 17,2018.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at 1-800-820-8932.Sincerely,Jenny V [redacted] Compliance Dept– Consumer Responses