Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state that you ordered two sweatshirts on October 22, 2015, and you paid $with a check You further state that although you never requested a membership card, you are receiving bills Additionally, the latest statement you received says that you owe $ We sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Old Pueblo Traders, and Comenity Bank are separate entities The Bank issues and is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping We have reviewed the account and we are happy to share our findings Our records indicate that the above-referenced account was opened on October 21, 2015, when you contacted Old Pueblo Traders to place an order by telephone You had been selected for a pre-approved credit card offer from Comenity Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness At the time the order was placed, you would have been asked if you were interested in opening an OLD PUEBLO TRADERS® account, based on the pre-approved credit offer The account was opened, and a purchase of $was placed This purchase posted to the above-referenced account on October 24, The Old Pueblo Traders VIP Plus program is an optional service that is offered through Old Pueblo Traders This program offers a special introductory price of $for the first days, and if the customer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the account each month Cancellation may be made at any time with no further obligation Our records also indicate that the account was billed for five Old Pueblo Traders VIP Plus charges at $each, and one Old Pueblo Traders VIP Plus introductory fee of $ On November 8, 2015, a payment of $posted to the account, and on January 11, 2016, a payment of $posted to the account On October 26, 2015, a billing statement was issued reflecting a balance of $and a minimum payment of $20.00, due by November 21, This balance consisted of the purchase for $41.85, and the introductory charge of $for The Old Pueblo Traders VIP Plus program On November 8, 2015, a payment of $posted to your account On July 15, 2016, four credits of $each posted to the account for the Old Pueblo Traders VIP Plus program On July 31, 2016, our Billing Disputes team received correspondence regarding the balance on the account In the interest of customer service, a credit of $was issued to the account This credit posted to the account on August 5, 2016, and brought the account to a zero balance On August 11, 2016, a letter was sent in response to your dispute advising that your account had been adjusted We have enclosed a copy of this letter for your review After thoroughly reviewing your account, the Bank issued additional credits to refund you for your payment of the Old Pueblo Traders VIP Plus program introductory charge of $and one monthly membership fee of $ These adjustments have resulted in a credit balance of $16.96; therefore, a refund check has been requested Please allow days to receive the refund check, as it is being sent in a separate mailing Because your complaint indicates that you were not aware that the account was opened when you placed an order with Old Pueblo Traders, we sent notification to the national credit-reporting agencies with instructions to have the account deleted from your credit bureau report Please allow up to days for this information to be updated in their records You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free (888) 567- You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - (888) 397-PO Box Springfield, PA - (800) 916-PO Box Atlanta, GA - (800) 685-http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies We hope you find this information helpful If you have any further questions, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788) I will be happy to assist you Sincerely, Laura R [redacted] Consumer Relations Specialist CC: Revdex.com
March 2, [redacted] *** [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] Dear [redacted] : We have received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues the above-referenced credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We are also in receipt of your correspondence submitted to the [redacted] , regarding this same matter Please find enclosed a copy of our response sent to you on February 25, I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, KaiM [redacted] KaiM [redacted] Consumer Relations Specialist CC: Revdex.com Tell us why here
Dear [redacted] : We received the complaint regarding the above-noted accountComenity Bank issues Coldwater Creek [redacted] ® accounts, and we are here to help with all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn your complaint you state that you received a notice from the Bank advising you that the Annual Percentage Rate (APR), on your account would be increased due to a reduction in your credit scoreYou further state that you contacted the Bank and the automated system advised that you were out of the grace period to close your account and keep the current APRYou are requesting that the APR on your account not be raisedWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused youAfter reviewing your account, our records indicate that the APR on your account is 15.24%Please be assured that this APR will not increase, as you closed your account within the grace periodThe balance on your account is $7,and a minimum payment of $is due by December 18, We hope this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] ( [redacted] )I would be happy to assist youSincerely, Jenny W*** Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines credit card accountsWe are here to answer your questions and assist with your concerns.Your correspondence states that you purchased two pairs of tights around April and placed the purchase on your accountYou further state that you did not receive a statement until six months later with fees assessed to your accountYou state that you made a payment for the original purchase amount and feel the fees should be waived since you did not receive your statementsYou are requesting that the Bank waive the fees on the accountWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that a payment of $was received on October 27, However, as a result of payments not being received for the months of July-September 2016, late fees were assessed to your accountFurthermore, your payment of $17.07, received on October 27, 2016, was less than the required payment; therefore, it did not bring your account currentAs a result of your account falling seven billing periods past due, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debtFurthermore, on March 27, 2017, your account was sold to [redacted] The Bank is not holding you responsible for the balance and we are in the process of purchasing the account backOnce the process is complete, we will issue credits for any late fees and finance charges to bring the account to a zero balanceWe will also submit a request to the credit reporting agencies to delete the account from your credit file.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Bergner’s credit cardWe are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the amountof $You state that you have contacted the Bank multiple times in regards to the refundcheck that you never receivedFurthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following informationOnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $On September 27, 2016, we mailed a check to your attention to the followingaddress; [redacted] Road, Springfield, IL 62711, which was the address on youraccount at the timeThe check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement lineWe have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com
Thank you for your complaint regarding the above-noted accountComenity Capital Bank issuesHSN credit card accounts, and we respond to all account-related questionsYour complaint wasforwarded to my attention, and I appreciate this opportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated, and aresponse was previously issued on December 13, 6, explaining our findings and resolution.Comenity Capital Bank's position remains unchangedWe have enclosed a copy of our previousresponse for your records.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.J Rosa M [redacted] Compliance Dept- Consumer ResponsesCC: Revdex.com
Everything was to be taken care of after I submitted my initial compliant However, Comenity Bank is continuing to send me bills, and my account is still open even through I closed it in August Can you please help me? This company is harassing me I do not carry debt, and because of this bank's errors my credit scores have decreased drastically and I am starting to feel the effects every time I inquire about credit I'm being issues lower limits with other cards I have applied for, and that is not characteristic of my credit behavior The current bill from the Limited is showing a glance of $ They continue to charge late fees and interest on top to get to such a balance And I KNOW they are reporting such behavior to the credit bureau Please please help me [redacted] ###-###-####
Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the BrylaneHome credit cardWe are here to answer your questions andassist with your concerns.Your complaint states that on January 3, 2017, you made a payment and requested to close youraccountYou apologized for the tardiness of your payment, as you had been under medicaltreatmentAfter the final payment was made, you continued to receive bills and telephone calls.On March 9, 2017, you received a telephone call and were advised that you still had a balanceowedYou felt the associate was aggressive with you, so you hung up on herYou do not feelyou owe the money and you hope the Bank refrains from reporting negative information to thecredit bureaus.We have reviewed the concerns in your correspondenceWe apologize if you felt you did notreceive the best customer serviceWe never intend to treat our customers in a less-thansatisfactorymannerWe are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreportingMany times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status.Bank records indicate that we sent you a billing statement on December 7, 2016, reflecting abalance of $and a $minimum payment due by January 2, You called the Bankon January 3, 2017, and closed the BrylaneHome accountAlso on this day, you submitted apayment of $As the payment, was after the due date, the account was assessed a latefee and finance charge.As the next two months (February and March 2017) went by with no payments received, theaccount was assessed late fees and finance chargesAdditionally, the account was reported asdelinquent to the credit bureaus.Please keep in mind, when a payment is not received, is received after the due date, or receivedfor less than the minimum due, the account will be assessed a late fee, as explained in the CreditCard Agreement.Although the fees are valid, as a courtesy, we issued credits to the account totaling $toremove the remaining balanceAdditionally, we removed the 30-day late payment that wasreported on your account for March This information will update with the credit bureauswithin days.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 Response
Thank you for contacting Comenity Bank We issue multiple retail credit card accounts, and are here to help with your questions The Revdex.com forwarded your complaint to my attention, and I appreciate the opportunity to respond to your concernsThank you for speaking with me on July 17, Per our discussion, please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Bank Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in from Comenity BankWe hope you find this information helpful If you have any additional questions or concerns please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Amanda R**Consumer Relations Specialist
Dear Mr [redacted] :We have received your recent complaint regarding the account noted aboveComenity Bankissues Lane Bryant Retail credit cards and we are here to help with your account-relatedquestions and concernsYour inquiry, addressed to the Revdex.com, was forwardedto my attention and I appreciate the opportunity to assist you.I understand from your complaint, in July 2013, a payment of $was mistakenly missed,due to the charge not being included on your Lane Bryant Retail store receiptWhen youbecame aware of the overdue payment, you contacted Comenity BankYou state that weagreed to work out a payment arrangement in which you would secure a payment to cover youroriginal purchase amount of $39.00, and the Bank would credit the late fees assessed from thepurchaseAs agreed, the Bank removed the late fees in question; however, additional late feescontinued to be assessed after the closure of your account on April 28, 2014.You state that you tried to work out a payment arrangement with the Bank; however, you wereunable to reach a conclusion with our collections representativesIn March 2015, you receivedcorrespondence from Cornenity Bank offering you a percent settlement of $or to paythe balance in full of $323.40.Lastly, you state this is not a debt that you owe to the Bank, and you are requesting the Bank towrite off the charges applied to your Lane Bryant Retail credit card account, and update thecredit-reporting agencies.I understand your concerns regarding the reporting of the Lane Bryant Retail account, and Iapologize for any frustration or inconvenience you have experienced as a result of this matter.We also apologize if you felt that you did not receive the best customer serviceIt is never theBank's intention to treat our customers in a less-than-satisfactory mannerComenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.After reviewing the account, Bank records indicate, purchases totaling $posted to theaccount on August 17, 2013.A payment of $posted to the account on September 5, 2013, which left a remainingbalance of $31.64, which was paid and posted to the Lane Bryant Retail credit card account onJanuary 8, 2014.The Bank apologizes; however, we were unable to locate and listen to the collection calls fromJuly However, in the interest of customer service, $has been credited to theaccount, and the Lane Bryant credit card account now reflects a zero balance.Because the account was reported as a write-off, in order to correct your credit report,notification has been sent to the credit-reporting agencies to remove the account, in its entirety,from your credit reportPlease allow days for this information to be updated.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact me at ###-###-#### (TDD/TTY ###-###-####)I would be happy to assist you.Geanine M [redacted]
Dear [redacted] Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the RevDex.com, was forwarded to my attention, and... Iappreciate the opportunity to assist you.1 understand from your complaint, that you placed an online order with Peebles. You receivedthree of the four items you ordered; however, your Peebles credit card account was billed forthe item you never received, which was a Mohawk-Rainbow Multicolored Striped Area Rug,order [redacted] totaling $127.20. You contacted both the Peebles catalogue as well asComenity Bank, and were advised that this order was cancelled on May 15, 2015, and thecharge for the area rug would be removed from your credit card. At the time of your complaint,the charge of $127.20 was still listed on your credit card account, and per your complaint, youare requesting a full refund of $127.20, credited back to your Peebles credit card account. Weapologize for any frustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank contacted Peebles online customer service on yourbehalf, and we were advised that order # [redacted] was cancelled due to the item no longerbeing in stock. The credit of $120.00 was applied to your Peebles credit card account on May21, 201 5, and the remaining balance of $7.20 was credited back to your credit card account onMay 28, 2015. Additionally, the Bank has applied a finance charge credit of $1.30. Please beadvised, your next billing statement will reflect these credits.You are a vatued customer, and we appreciate your business. I hope you find this informationto be helpful. Should you have additional questions or concerns about this matter, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you. [redacted] Consumer Relations Specialist
I am writing to you regarding my complaint.We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matterPlease find enclosed a copy of our response dated October 27, 2017.I am getting Comenity Bank from all anglesI am reporting it wherever possibleIt is scamming me for monies, latefees, etcwhen I have proof of payment, a copy of a statement and a cancelled check as well as a letter from it statingit received the payment but it posted it lateBecause I have sent it these documents many times since April and itstill does not credit my accordinglyIt is saying I had a balance of $prior to my June billThe bill would haveshown $+ $27.00(late fee) and interest chargesThe amount of the bill would have been over $but it was only$33.38.I am not going to let Comenity Bank get away with scamming me moniesI am going to decrease its rating as much aspossible.Sincerely.Laurie S [redacted] (Miss) Regards, Laurie S [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that you do not owe the outstanding balance of $on the above-noted account, and that you owe HSN one payment of $due by April 6, You believe the Bank has made an error in applying returned credits or payments to the account As such, you are requesting an itemized list of all account-related transactions applied to your HSN credit card account, an apology from Comenity Capital Bank, and confirmation that account is paid in full with a zero balance We understand your concerns, and we sincerely apologize for any inconvenience or frustration you may have experienced due to the matter Please understand that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns and shipping We contacted HSN, on your behalf, regarding the transactions applied to the above-referenced account Their records indicate that a total of orders were applied to your HSN credit card account between January 7, 2015, and March 26, 2015; however, of the orders were returned to HSN, and credits were issued for the returned merchandise to the above-noted account Please understand when merchandise is returned, HSN issues credit towards your account for the merchandise, sales tax and if applicable, Return Label costs HSN does not refund shipping and handling or Return Label costs when applicable These charges will remain part of your balance due Furthermore, HSN confirmed that [redacted] is listed as a joint user under your customer profile ID number ending in ***; as such, we recommend that you speak with [redacted] directly regarding any orders that he may have placed using your customer profile ID number If you believe any of [redacted] ’s orders were inadvertently applied to your HSN credit card account, please contact me at the telephone number listed below For your reference, I have enclosed copies of the monthly billing statements which outline the statement activity; including purchases, returns and payments applied to the HSN credit card account from December to presentLastly, our records indicate that a payment of $was received on April 6, Please be assured, the account balance on HSN is zero Although you have closed the above-referenced account, we hope that you continue to shop with HSN 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 [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questionsThe complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand the concerns expressed in the complaint regarding the negative information reporting to your credit file, and the request to have this information removed as you are trying to refinance your houseYou were originally not aware of this account until you were contacted by the Bank in which you paid the balance and requested the account to be closedYou sent a letter in May asking the Bank to remove the August and September delinquencies from your credit fileYour wife also recently spoke to the Bank and was advised that you could call and make the requestYou called and were advised that the Bank would not be willing to make the changesYou state that you have been given conflicting information, and it is your hope that we remove the late payments so you can move forward with the refinance.The Bank previously received your written request to remove the delinquencies; however, we were not asked to close the accountA response was sent to you on June 2, 2016, which indicated that the information reported was accurate.Please be assured however, that we reviewed the applicable telephone calls, and we found that you and your wife were provided with incorrect informationIt is never the Bank’s intention to cause a customer a hardshipWe sincerely apologize for the frustration and inconvenience you experienced because of this matterWe can assure you that the Bank has taken the necessary steps to coach the associates.In the interest of customer service, we have sent notification to the national credit-reporting agencies with instructions to delete the August and September late payments from your credit filePlease allow the credit-reporting agencies days to update their records.Additionally, we have closed the account as requested.We hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a payment in the amount of $13, on December 11, 2015, and your available credit had not been restored to your account immediatelyWe also understand you are requesting compensation for your frustration of not having the funds availableDue to the amount of your payment Comenity Capital Bank requires additional time to process the paymentOur records indicate you contacted our Customer Care team and were told that your payment would be held for seven to fourteen daysAlso, due to the frustration you experienced due to the funds not being available I have added $to your BJ’s awardsWe hope this information is helpful and apologize for any frustration you experienced regarding this matterShould you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Kristina W***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues the roomplace® 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 complaint that three items purchased from the roomplace were cancelled, as they were going to arrive weeks or months after you needed them You state that you have contacted the bank and the roomplace over and over regarding this matter and experienced long hold times You are requesting that your account be adjusted for the cancelled itemsWe apologize for any inconvenience this matter may have caused you Please note that Comenity Bank and the roomplace are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card account The roomplace is responsible for handling matters related to sales, cancellations, merchandise processing, returns, and delivery Please be assured that we have contacted the roomplace regarding your cancelled items, and a credit of $was applied to your account on July 1, With this adjustment the balance on your account is $3, We understand that you were dissatisfied with the service you received while speaking with our bank, and the roomplace Our goal is to provide excellent customer service, and we are disappointed when this does not occur Our management team reviews calls and inquiries of this nature, and makes appropriate recommendations for training or counseling purposes, should that be necessary 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***
Dear [redacted] : We received your complaint, sent to the Revdex.com, regarding the above-referenced accountComenity Bank issues VICTORIA’S SECRET credit cards, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand from your letter that the above-noted account was opened without your knowledge or consentAs a result of non-payment, the account was written off on May 6, 2014, and sold to an alternate lender, [redacted] on May 21, Please be assured that we forwarded your concerns to our Account Protection (Fraud) teamThey have opened a fraud case; case number [redacted] and assigned fraud investigator, Jessica Mullins to the caseAdditionally, please be assured that [redacted] will be notified of the investigationComenity Bank vigorously pursues any individual who is suspected of perpetration of a fraudThis may include contact with various local, state and federal law enforcement agenciesWe assure you that we will do everything to resolve this situation with as little inconvenience to you as possiblePlease feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####) and reference the case number above for any questions or concerns you may haveWe hope this information is helpfulShould you have any further questions or concerns, please contact the Account Protection team at the number provided aboveThe investigator will be happy to assist youSincerely, Shawnda Y***
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues West Elm credit cardaccounts, 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 December 24, 2014, that was never received and when you contacted us regarding this matter you were provided the reward certificate number and expiration date and the information was not accepted when you attempted to make a purchaseWe understand that you would like to have the reward amount applied to your purchase of $that was placed on May 24, I apologize for any inconvenience this mattermay have caused you.We have contacted West Elm on your behalf regarding this issue We have been advised that you were contacted regarding placing a new order to have the reward certificate amount applied Our records indicate that on June 2, 2015, your purchase of $was returned and credit was applied to your account for the full amount On June 11, 2015, a credit of $was applied to the account As of the date of this letter, your account balance is $565.08.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, [redacted] Consumer Relations Specialist
We are in receipt of your complaint regarding the above-referenced accountCornenity Bank issuesStage credit card accounts, and we respond to all account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and appreciate theopportunity to respond to your concerns.We understand from your complaint, you have Stage, Goody's, and Lane Bryant credit card accountswith Comenity Bank, which are all in the Hardship ProgramYou contacted Cornenity Bank onSeptember 27, 2016, and requested to change your personal checking account information to yournew account informationThe representative advised that only your Goody's and Lane Bryant creditcard accounts were enrolled in the hardship program, and updated the checking account informationon those accountsHowever, your Stage account was also enrolled, and payments continued to bewithdrawn from your old personal checking account, which has placed that account in a negativestatusYou are requesting Comenity Bank to refund your account, and bring your account current.We have reviewed the issues in your complaint, as well as the applicable telephone conversations.We apologize that the checking account information was not properly updated on your Stage account.Please be assured, as of October 31, 2016, your checking account information was updated on yourStage account.Please be assured, on December 8, 2016, a credit was issued to your Stage account in the amountof $for the previously assessed returned check fee.Your complaint also mentions fees which were assessed by your personal banking institutionPleasecontact me at the number below to discuss this matter.I hope you find this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####, ext [redacted] (TDDTPTY ###-###-####)I would be happy toassist you
Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com,regarding your Simply Be credit card accountComenity Capital Bank issues Simply Becredit card accounts, and we respond to all account-related questionsYour complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.You state that there has not been any resolution to your previous complaint, and that youhave written both the Bank and Simply BeFurthermore, you state that you have notreceived a call or bill from the Bank when ordering through Simply BeWhen your firstcomplaint was sent to the Revdex.com the collection activity stopped, but nowyou are receiving further calls and you feel this is harassment.In your original complaint you stated that you only received part of your orderYouadvised us that you have attempted to resolve this on multiple occasions and wereunsuccessfulYou requested that the late fees and finance charges on the account stop.Please find enclosed our response that was sent to you on May 31, 2016, explaining ourfindingsIn this response we advised you to contact Simply Be directly as they confirmedall of the merchandise you ordered has been shipped to your addressAlso, we providedyou a breakdown of the account activity which lead to collection calls.Please understand when an account is delinquent, we will make attempts to contact thecustomer regarding the status of the accountMany times a payment is overlooked bythe customer, and a reminder call is helpful to bring the account back to a current status.Due to potential negative ramifications for our customers if an account remainsdelinquent, we may call until our attempt to communicate is successful.We have sent billing statements to your address, as shown above, each monthPleasebe advised that we have no record of statements being returned to the Bank asundeliverablePlease find the enclosed copies of the statements for your records.Additionally, please be advised that the first billing statement, issued on December 9,2015, indicated a balance of $with a minimum payment of $due by January4, This balance included a charge of $for the briefs, and $for the bra.Please be advised that Simply Be states that all merchandise ordered was shipped toyour addressAs stated in our previous response, the shipping option chosen at the timeof placing the order was an untracked shipping method; therefore, the packages cannotbe trackedWe understand that you state you never received the braPlease be advisedthat this item was not credited to your accountWhen you initiated the dispute aprovisional credit was placed on your account for the disputed amountsSince the itemswere shipped out and you were advised to contact Simply Be for non-receipt ofmerchandise, the provisional credits were reversed.Please contact Simply Be corporate office directly at ###-###-####, for furtherassistance in regard to this matterThey will be happy to assist you.We apologize for any frustration or inconvenience this matter may have caused you, andwe hope that you find this information to be helpfulIf you have any further questionsabout the account, please contact me at ###-###-####, ext [redacted] (TDD/TTY [redacted] Sincerely,Diamond L***
Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Bank issues OLD PUEBLO TRADERS® credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state that you ordered two sweatshirts on October 22, 2015, and you paid $with a check You further state that although you never requested a membership card, you are receiving bills Additionally, the latest statement you received says that you owe $ We sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Old Pueblo Traders, and Comenity Bank are separate entities The Bank issues and is responsible for addressing questions related to OLD PUEBLO TRADERS® credit card accounts Old Pueblo Traders is responsible for handling matters related to sales, merchandise processing, returns and shipping We have reviewed the account and we are happy to share our findings Our records indicate that the above-referenced account was opened on October 21, 2015, when you contacted Old Pueblo Traders to place an order by telephone You had been selected for a pre-approved credit card offer from Comenity Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness At the time the order was placed, you would have been asked if you were interested in opening an OLD PUEBLO TRADERS® account, based on the pre-approved credit offer The account was opened, and a purchase of $was placed This purchase posted to the above-referenced account on October 24, The Old Pueblo Traders VIP Plus program is an optional service that is offered through Old Pueblo Traders This program offers a special introductory price of $for the first days, and if the customer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the account each month Cancellation may be made at any time with no further obligation Our records also indicate that the account was billed for five Old Pueblo Traders VIP Plus charges at $each, and one Old Pueblo Traders VIP Plus introductory fee of $ On November 8, 2015, a payment of $posted to the account, and on January 11, 2016, a payment of $posted to the account On October 26, 2015, a billing statement was issued reflecting a balance of $and a minimum payment of $20.00, due by November 21, This balance consisted of the purchase for $41.85, and the introductory charge of $for The Old Pueblo Traders VIP Plus program On November 8, 2015, a payment of $posted to your account On July 15, 2016, four credits of $each posted to the account for the Old Pueblo Traders VIP Plus program On July 31, 2016, our Billing Disputes team received correspondence regarding the balance on the account In the interest of customer service, a credit of $was issued to the account This credit posted to the account on August 5, 2016, and brought the account to a zero balance On August 11, 2016, a letter was sent in response to your dispute advising that your account had been adjusted We have enclosed a copy of this letter for your review After thoroughly reviewing your account, the Bank issued additional credits to refund you for your payment of the Old Pueblo Traders VIP Plus program introductory charge of $and one monthly membership fee of $ These adjustments have resulted in a credit balance of $16.96; therefore, a refund check has been requested Please allow days to receive the refund check, as it is being sent in a separate mailing Because your complaint indicates that you were not aware that the account was opened when you placed an order with Old Pueblo Traders, we sent notification to the national credit-reporting agencies with instructions to have the account deleted from your credit bureau report Please allow up to days for this information to be updated in their records You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free (888) 567- You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - (888) 397-PO Box Springfield, PA - (800) 916-PO Box Atlanta, GA - (800) 685-http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies We hope you find this information helpful If you have any further questions, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788) I will be happy to assist you Sincerely, Laura R [redacted] Consumer Relations Specialist CC: Revdex.com
March 2, [redacted] *** [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] Dear [redacted] : We have received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues the above-referenced credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We are also in receipt of your correspondence submitted to the [redacted] , regarding this same matter Please find enclosed a copy of our response sent to you on February 25, I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, KaiM [redacted] KaiM [redacted] Consumer Relations Specialist CC: Revdex.com Tell us why here
Dear [redacted] : We received the complaint regarding the above-noted accountComenity Bank issues Coldwater Creek [redacted] ® accounts, and we are here to help with all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn your complaint you state that you received a notice from the Bank advising you that the Annual Percentage Rate (APR), on your account would be increased due to a reduction in your credit scoreYou further state that you contacted the Bank and the automated system advised that you were out of the grace period to close your account and keep the current APRYou are requesting that the APR on your account not be raisedWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused youAfter reviewing your account, our records indicate that the APR on your account is 15.24%Please be assured that this APR will not increase, as you closed your account within the grace periodThe balance on your account is $7,and a minimum payment of $is due by December 18, We hope this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] ( [redacted] )I would be happy to assist youSincerely, Jenny W*** Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Catherines credit card accountsWe are here to answer your questions and assist with your concerns.Your correspondence states that you purchased two pairs of tights around April and placed the purchase on your accountYou further state that you did not receive a statement until six months later with fees assessed to your accountYou state that you made a payment for the original purchase amount and feel the fees should be waived since you did not receive your statementsYou are requesting that the Bank waive the fees on the accountWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused you.Bank records indicate that a payment of $was received on October 27, However, as a result of payments not being received for the months of July-September 2016, late fees were assessed to your accountFurthermore, your payment of $17.07, received on October 27, 2016, was less than the required payment; therefore, it did not bring your account currentAs a result of your account falling seven billing periods past due, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debtFurthermore, on March 27, 2017, your account was sold to [redacted] The Bank is not holding you responsible for the balance and we are in the process of purchasing the account backOnce the process is complete, we will issue credits for any late fees and finance charges to bring the account to a zero balanceWe will also submit a request to the credit reporting agencies to delete the account from your credit file.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Bergner’s credit cardWe are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the amountof $You state that you have contacted the Bank multiple times in regards to the refundcheck that you never receivedFurthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following informationOnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $On September 27, 2016, we mailed a check to your attention to the followingaddress; [redacted] Road, Springfield, IL 62711, which was the address on youraccount at the timeThe check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement lineWe have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com
Thank you for your complaint regarding the above-noted accountComenity Capital Bank issuesHSN credit card accounts, and we respond to all account-related questionsYour complaint wasforwarded to my attention, and I appreciate this opportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated, and aresponse was previously issued on December 13, 6, explaining our findings and resolution.Comenity Capital Bank's position remains unchangedWe have enclosed a copy of our previousresponse for your records.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.J Rosa M [redacted] Compliance Dept- Consumer ResponsesCC: Revdex.com
Everything was to be taken care of after I submitted my initial compliant However, Comenity Bank is continuing to send me bills, and my account is still open even through I closed it in August Can you please help me? This company is harassing me I do not carry debt, and because of this bank's errors my credit scores have decreased drastically and I am starting to feel the effects every time I inquire about credit I'm being issues lower limits with other cards I have applied for, and that is not characteristic of my credit behavior The current bill from the Limited is showing a glance of $ They continue to charge late fees and interest on top to get to such a balance And I KNOW they are reporting such behavior to the credit bureau Please please help me [redacted] ###-###-####
Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the BrylaneHome credit cardWe are here to answer your questions andassist with your concerns.Your complaint states that on January 3, 2017, you made a payment and requested to close youraccountYou apologized for the tardiness of your payment, as you had been under medicaltreatmentAfter the final payment was made, you continued to receive bills and telephone calls.On March 9, 2017, you received a telephone call and were advised that you still had a balanceowedYou felt the associate was aggressive with you, so you hung up on herYou do not feelyou owe the money and you hope the Bank refrains from reporting negative information to thecredit bureaus.We have reviewed the concerns in your correspondenceWe apologize if you felt you did notreceive the best customer serviceWe never intend to treat our customers in a less-thansatisfactorymannerWe are committed to providing the best customer service and aredisappointed when a customer feels this standard was not met.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreportingMany times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status.Bank records indicate that we sent you a billing statement on December 7, 2016, reflecting abalance of $and a $minimum payment due by January 2, You called the Bankon January 3, 2017, and closed the BrylaneHome accountAlso on this day, you submitted apayment of $As the payment, was after the due date, the account was assessed a latefee and finance charge.As the next two months (February and March 2017) went by with no payments received, theaccount was assessed late fees and finance chargesAdditionally, the account was reported asdelinquent to the credit bureaus.Please keep in mind, when a payment is not received, is received after the due date, or receivedfor less than the minimum due, the account will be assessed a late fee, as explained in the CreditCard Agreement.Although the fees are valid, as a courtesy, we issued credits to the account totaling $toremove the remaining balanceAdditionally, we removed the 30-day late payment that wasreported on your account for March This information will update with the credit bureauswithin days.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 Response
Thank you for contacting Comenity Bank We issue multiple retail credit card accounts, and are here to help with your questions The Revdex.com forwarded your complaint to my attention, and I appreciate the opportunity to respond to your concernsThank you for speaking with me on July 17, Per our discussion, please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Bank Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in from Comenity BankWe hope you find this information helpful If you have any additional questions or concerns please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Amanda R**Consumer Relations Specialist
Dear Mr [redacted] :We have received your recent complaint regarding the account noted aboveComenity Bankissues Lane Bryant Retail credit cards and we are here to help with your account-relatedquestions and concernsYour inquiry, addressed to the Revdex.com, was forwardedto my attention and I appreciate the opportunity to assist you.I understand from your complaint, in July 2013, a payment of $was mistakenly missed,due to the charge not being included on your Lane Bryant Retail store receiptWhen youbecame aware of the overdue payment, you contacted Comenity BankYou state that weagreed to work out a payment arrangement in which you would secure a payment to cover youroriginal purchase amount of $39.00, and the Bank would credit the late fees assessed from thepurchaseAs agreed, the Bank removed the late fees in question; however, additional late feescontinued to be assessed after the closure of your account on April 28, 2014.You state that you tried to work out a payment arrangement with the Bank; however, you wereunable to reach a conclusion with our collections representativesIn March 2015, you receivedcorrespondence from Cornenity Bank offering you a percent settlement of $or to paythe balance in full of $323.40.Lastly, you state this is not a debt that you owe to the Bank, and you are requesting the Bank towrite off the charges applied to your Lane Bryant Retail credit card account, and update thecredit-reporting agencies.I understand your concerns regarding the reporting of the Lane Bryant Retail account, and Iapologize for any frustration or inconvenience you have experienced as a result of this matter.We also apologize if you felt that you did not receive the best customer serviceIt is never theBank's intention to treat our customers in a less-than-satisfactory mannerComenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.After reviewing the account, Bank records indicate, purchases totaling $posted to theaccount on August 17, 2013.A payment of $posted to the account on September 5, 2013, which left a remainingbalance of $31.64, which was paid and posted to the Lane Bryant Retail credit card account onJanuary 8, 2014.The Bank apologizes; however, we were unable to locate and listen to the collection calls fromJuly However, in the interest of customer service, $has been credited to theaccount, and the Lane Bryant credit card account now reflects a zero balance.Because the account was reported as a write-off, in order to correct your credit report,notification has been sent to the credit-reporting agencies to remove the account, in its entirety,from your credit reportPlease allow days for this information to be updated.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact me at ###-###-#### (TDD/TTY ###-###-####)I would be happy to assist you.Geanine M [redacted]
Dear [redacted] Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the RevDex.com, was forwarded to my attention, and... Iappreciate the opportunity to assist you.1 understand from your complaint, that you placed an online order with Peebles. You receivedthree of the four items you ordered; however, your Peebles credit card account was billed forthe item you never received, which was a Mohawk-Rainbow Multicolored Striped Area Rug,order [redacted] totaling $127.20. You contacted both the Peebles catalogue as well asComenity Bank, and were advised that this order was cancelled on May 15, 2015, and thecharge for the area rug would be removed from your credit card. At the time of your complaint,the charge of $127.20 was still listed on your credit card account, and per your complaint, youare requesting a full refund of $127.20, credited back to your Peebles credit card account. Weapologize for any frustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank contacted Peebles online customer service on yourbehalf, and we were advised that order # [redacted] was cancelled due to the item no longerbeing in stock. The credit of $120.00 was applied to your Peebles credit card account on May21, 201 5, and the remaining balance of $7.20 was credited back to your credit card account onMay 28, 2015. Additionally, the Bank has applied a finance charge credit of $1.30. Please beadvised, your next billing statement will reflect these credits.You are a vatued customer, and we appreciate your business. I hope you find this informationto be helpful. Should you have additional questions or concerns about this matter, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you. [redacted] Consumer Relations Specialist
I am writing to you regarding my complaint.We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matterPlease find enclosed a copy of our response dated October 27, 2017.I am getting Comenity Bank from all anglesI am reporting it wherever possibleIt is scamming me for monies, latefees, etcwhen I have proof of payment, a copy of a statement and a cancelled check as well as a letter from it statingit received the payment but it posted it lateBecause I have sent it these documents many times since April and itstill does not credit my accordinglyIt is saying I had a balance of $prior to my June billThe bill would haveshown $+ $27.00(late fee) and interest chargesThe amount of the bill would have been over $but it was only$33.38.I am not going to let Comenity Bank get away with scamming me moniesI am going to decrease its rating as much aspossible.Sincerely.Laurie S [redacted] (Miss) Regards, Laurie S [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that you do not owe the outstanding balance of $on the above-noted account, and that you owe HSN one payment of $due by April 6, You believe the Bank has made an error in applying returned credits or payments to the account As such, you are requesting an itemized list of all account-related transactions applied to your HSN credit card account, an apology from Comenity Capital Bank, and confirmation that account is paid in full with a zero balance We understand your concerns, and we sincerely apologize for any inconvenience or frustration you may have experienced due to the matter Please understand that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns and shipping We contacted HSN, on your behalf, regarding the transactions applied to the above-referenced account Their records indicate that a total of orders were applied to your HSN credit card account between January 7, 2015, and March 26, 2015; however, of the orders were returned to HSN, and credits were issued for the returned merchandise to the above-noted account Please understand when merchandise is returned, HSN issues credit towards your account for the merchandise, sales tax and if applicable, Return Label costs HSN does not refund shipping and handling or Return Label costs when applicable These charges will remain part of your balance due Furthermore, HSN confirmed that [redacted] is listed as a joint user under your customer profile ID number ending in ***; as such, we recommend that you speak with [redacted] directly regarding any orders that he may have placed using your customer profile ID number If you believe any of [redacted] ’s orders were inadvertently applied to your HSN credit card account, please contact me at the telephone number listed below For your reference, I have enclosed copies of the monthly billing statements which outline the statement activity; including purchases, returns and payments applied to the HSN credit card account from December to presentLastly, our records indicate that a payment of $was received on April 6, Please be assured, the account balance on HSN is zero Although you have closed the above-referenced account, we hope that you continue to shop with HSN 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 [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questionsThe complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand the concerns expressed in the complaint regarding the negative information reporting to your credit file, and the request to have this information removed as you are trying to refinance your houseYou were originally not aware of this account until you were contacted by the Bank in which you paid the balance and requested the account to be closedYou sent a letter in May asking the Bank to remove the August and September delinquencies from your credit fileYour wife also recently spoke to the Bank and was advised that you could call and make the requestYou called and were advised that the Bank would not be willing to make the changesYou state that you have been given conflicting information, and it is your hope that we remove the late payments so you can move forward with the refinance.The Bank previously received your written request to remove the delinquencies; however, we were not asked to close the accountA response was sent to you on June 2, 2016, which indicated that the information reported was accurate.Please be assured however, that we reviewed the applicable telephone calls, and we found that you and your wife were provided with incorrect informationIt is never the Bank’s intention to cause a customer a hardshipWe sincerely apologize for the frustration and inconvenience you experienced because of this matterWe can assure you that the Bank has taken the necessary steps to coach the associates.In the interest of customer service, we have sent notification to the national credit-reporting agencies with instructions to delete the August and September late payments from your credit filePlease allow the credit-reporting agencies days to update their records.Additionally, we have closed the account as requested.We hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questionsI appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a payment in the amount of $13, on December 11, 2015, and your available credit had not been restored to your account immediatelyWe also understand you are requesting compensation for your frustration of not having the funds availableDue to the amount of your payment Comenity Capital Bank requires additional time to process the paymentOur records indicate you contacted our Customer Care team and were told that your payment would be held for seven to fourteen daysAlso, due to the frustration you experienced due to the funds not being available I have added $to your BJ’s awardsWe hope this information is helpful and apologize for any frustration you experienced regarding this matterShould you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Kristina W***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues the roomplace® 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 complaint that three items purchased from the roomplace were cancelled, as they were going to arrive weeks or months after you needed them You state that you have contacted the bank and the roomplace over and over regarding this matter and experienced long hold times You are requesting that your account be adjusted for the cancelled itemsWe apologize for any inconvenience this matter may have caused you Please note that Comenity Bank and the roomplace are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card account The roomplace is responsible for handling matters related to sales, cancellations, merchandise processing, returns, and delivery Please be assured that we have contacted the roomplace regarding your cancelled items, and a credit of $was applied to your account on July 1, With this adjustment the balance on your account is $3, We understand that you were dissatisfied with the service you received while speaking with our bank, and the roomplace Our goal is to provide excellent customer service, and we are disappointed when this does not occur Our management team reviews calls and inquiries of this nature, and makes appropriate recommendations for training or counseling purposes, should that be necessary 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***
Dear [redacted] : We received your complaint, sent to the Revdex.com, regarding the above-referenced accountComenity Bank issues VICTORIA’S SECRET credit cards, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand from your letter that the above-noted account was opened without your knowledge or consentAs a result of non-payment, the account was written off on May 6, 2014, and sold to an alternate lender, [redacted] on May 21, Please be assured that we forwarded your concerns to our Account Protection (Fraud) teamThey have opened a fraud case; case number [redacted] and assigned fraud investigator, Jessica Mullins to the caseAdditionally, please be assured that [redacted] will be notified of the investigationComenity Bank vigorously pursues any individual who is suspected of perpetration of a fraudThis may include contact with various local, state and federal law enforcement agenciesWe assure you that we will do everything to resolve this situation with as little inconvenience to you as possiblePlease feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####) and reference the case number above for any questions or concerns you may haveWe hope this information is helpfulShould you have any further questions or concerns, please contact the Account Protection team at the number provided aboveThe investigator will be happy to assist youSincerely, Shawnda Y***
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues West Elm credit cardaccounts, 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 December 24, 2014, that was never received and when you contacted us regarding this matter you were provided the reward certificate number and expiration date and the information was not accepted when you attempted to make a purchaseWe understand that you would like to have the reward amount applied to your purchase of $that was placed on May 24, I apologize for any inconvenience this mattermay have caused you.We have contacted West Elm on your behalf regarding this issue We have been advised that you were contacted regarding placing a new order to have the reward certificate amount applied Our records indicate that on June 2, 2015, your purchase of $was returned and credit was applied to your account for the full amount On June 11, 2015, a credit of $was applied to the account As of the date of this letter, your account balance is $565.08.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, [redacted] Consumer Relations Specialist
We are in receipt of your complaint regarding the above-referenced accountCornenity Bank issuesStage credit card accounts, and we respond to all account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and appreciate theopportunity to respond to your concerns.We understand from your complaint, you have Stage, Goody's, and Lane Bryant credit card accountswith Comenity Bank, which are all in the Hardship ProgramYou contacted Cornenity Bank onSeptember 27, 2016, and requested to change your personal checking account information to yournew account informationThe representative advised that only your Goody's and Lane Bryant creditcard accounts were enrolled in the hardship program, and updated the checking account informationon those accountsHowever, your Stage account was also enrolled, and payments continued to bewithdrawn from your old personal checking account, which has placed that account in a negativestatusYou are requesting Comenity Bank to refund your account, and bring your account current.We have reviewed the issues in your complaint, as well as the applicable telephone conversations.We apologize that the checking account information was not properly updated on your Stage account.Please be assured, as of October 31, 2016, your checking account information was updated on yourStage account.Please be assured, on December 8, 2016, a credit was issued to your Stage account in the amountof $for the previously assessed returned check fee.Your complaint also mentions fees which were assessed by your personal banking institutionPleasecontact me at the number below to discuss this matter.I hope you find this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####, ext [redacted] (TDDTPTY ###-###-####)I would be happy toassist you
Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com,regarding your Simply Be credit card accountComenity Capital Bank issues Simply Becredit card accounts, and we respond to all account-related questionsYour complaintwas forwarded to my attention, and I appreciate the opportunity to assist you.You state that there has not been any resolution to your previous complaint, and that youhave written both the Bank and Simply BeFurthermore, you state that you have notreceived a call or bill from the Bank when ordering through Simply BeWhen your firstcomplaint was sent to the Revdex.com the collection activity stopped, but nowyou are receiving further calls and you feel this is harassment.In your original complaint you stated that you only received part of your orderYouadvised us that you have attempted to resolve this on multiple occasions and wereunsuccessfulYou requested that the late fees and finance charges on the account stop.Please find enclosed our response that was sent to you on May 31, 2016, explaining ourfindingsIn this response we advised you to contact Simply Be directly as they confirmedall of the merchandise you ordered has been shipped to your addressAlso, we providedyou a breakdown of the account activity which lead to collection calls.Please understand when an account is delinquent, we will make attempts to contact thecustomer regarding the status of the accountMany times a payment is overlooked bythe customer, and a reminder call is helpful to bring the account back to a current status.Due to potential negative ramifications for our customers if an account remainsdelinquent, we may call until our attempt to communicate is successful.We have sent billing statements to your address, as shown above, each monthPleasebe advised that we have no record of statements being returned to the Bank asundeliverablePlease find the enclosed copies of the statements for your records.Additionally, please be advised that the first billing statement, issued on December 9,2015, indicated a balance of $with a minimum payment of $due by January4, This balance included a charge of $for the briefs, and $for the bra.Please be advised that Simply Be states that all merchandise ordered was shipped toyour addressAs stated in our previous response, the shipping option chosen at the timeof placing the order was an untracked shipping method; therefore, the packages cannotbe trackedWe understand that you state you never received the braPlease be advisedthat this item was not credited to your accountWhen you initiated the dispute aprovisional credit was placed on your account for the disputed amountsSince the itemswere shipped out and you were advised to contact Simply Be for non-receipt ofmerchandise, the provisional credits were reversed.Please contact Simply Be corporate office directly at ###-###-####, for furtherassistance in regard to this matterThey will be happy to assist you.We apologize for any frustration or inconvenience this matter may have caused you, andwe hope that you find this information to be helpfulIf you have any further questionsabout the account, please contact me at ###-###-####, ext [redacted] (TDD/TTY [redacted] Sincerely,Diamond L***