If the the audio tape was reviewed, than somebody would have heard MrM [redacted] say over the phone that I am only supposed to be charged $1,dollars How I am at fault? MrM [redacted] is very clear about itYour own customer service agent did not understand how it was possibleShe repeatedly told him that another charge was shown in your systemMrM [redacted] than proceed to tell us to contact bank of [redacted] cause maybe it was their faultI just want an explanation how after listening to the tapes, how is my verdict not justifiedIt is clearly stated by merchant what the charge was supposed to beWhat other evidence do I need to provide? Clearly there is mistake somewhereAll I am showed is copy of receipt during check in which includes amount for depositThere is no receipt for check outWhen returned the key the agents told me same thing as MrM***, the final charge is $1,How can I prevent this in future? Regards, [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Bon-Ton credit cardWe are here to answer your questions and assist with your concernsWe understand that you state you never enrolled in paperless billing, and since you never received your billing statement you should not be considered late on your paymentYou state that the date of enrollment for the paperless billing doesn’t make sense as the bill wasn’t due until January 20, You would have never logged on to pay the bill on the fifthFurthermore, you state that when you check your account there is a red flag for you to confirm your email addressYou question how you would enroll in paperless billing if your email address was not confirmed, and you had been receiving paper billing statements until January You are requesting the Bank provide you with documentation confirming that you logged on to the system and opted into paperless billingOur records indicate that your account was registered through our online Account Center on January 5, 2015, which provides account holders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we send a monthly Statement-Ready Email (SRE) notifying you when the statement is available to be viewedThe last SRE was sent on April 28, 2017, and we do not have record of emails being returned as undeliverable from the email address you providedIf you wish to cancel your enrollment in paperless statements, please log in to Account Center and update this preference, or contact our Customer Care department at the phone number on the back of your Bon-Ton credit cardWe understand that there is an alert on your Account Center portal to verify your email addressThis alert is issued periodically to ensure that your email address on file with us is current and up to date, as only the customer can input the information due to the uniqueness and sensitivity of the email addressesPlease be advised to have the Bank provide you with documentation confirming your enrollment information, a subpoena would be necessaryThe subpoena would need to be sent to the address below: Comenity Bank Clerk of Records [redacted] [redacted] *** As the minimum payment for the April billing period was not received a late fee was assessed to your account in the amount of $The Bank has found no accounting errors; however, on May 10, 2017, we issued $credit for the late fee as courtesyI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L*** Diamond L*** Compliance Dept– Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Marathon credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your complaint, address to the Revdex.com, that you assumed by addingyour banking information on our Account Center, that automatic payments would be set upYou found thatthis was not the case, and the account was assessed a late feeYou state you made the payment anddestroyed the Marathon credit cardAfter receiving an email advising you that the account still had abalance of $34.00, you reached out to the Bank and were advised that the balance was a late feeYou arerequesting the account closed and the late fee removed.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Although we found no billing errors on the Bank’s part, as a courtesy, a credit of $have been appliedto the account for the late fee and finance assessed to the account due to this matterThis credit will bringthe account balance to zero.On March 9, 2017, the account was closed per your request.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
during the time period they claim I was overdue, their own employees told me I didn't owe any paymentThat may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistakeEither they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuitI am VERY confident that I am correct and I will take this as far as I need to[redacted]
February 23, [redacted] RE: The [redacted] Credit Card Account Ending In *** Revdex.com Complaint ID # [redacted] Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the The [redacted] credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint, address to the Revdex.com, that you called Comenity Bank regarding a payment and late feeYou state that while speaking to the representative you were advised that your payment was received after the due date and the account was assessed a late feeAt that time the representative advised the late fee would be credited to your account as a courtesyAdditionally, you state that the representative never mentioned that you had a payment due, and stated that you were fineYou noticed that you have been assessed a second late feeYou are requesting credit be issued for the second late fee.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.After a thorough review of the account, our records indicate that a statement was issued to you December 18, 2016, with a balance of $and a minimum payment of $due on January 13, As no payment was received by the due date a late fee of $was assessed to the account per the Credit Card AgreementOn January 18, 2017, a statement was issued to you with a balance of $with a minimum payment of $on February 13, As no payment was received by the due date another late fee of $was assessed to the account.On February 15, 2017, a statement was issued to you with a balance of $with a minimum payment of $due on March 13, Enclosed are the statements mentioned above for you review.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.Please be advised that on February 13, 2017, credit was issued for a late fee of $27.00, the Bank is unwilling to credit another late fee at this timeThe Bank finds this fee to be validOn February 21, 2017, a payment of $was applied to the accountAs of the date of this letter, the account balance is zero.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me Regards, [redacted] ***
Comenity Bank has received your correspondence regarding the above-referenced credit card account Comenity Bank issues the roomplace® credit card We are here to answer your questions and assist with your concerns We understand that you are requesting a refund of $due to the delay in receiving a credit from The Roomplace in the amount of $to your personal credit card We would like to apologize for any inconvenience this situation may have caused you Please be advised that Comenity Bank and The Roomplace are two separate entities The Bank issues and is responsible for addressing questions related to the roomplace® credit card account The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards For compensation regarding charges/credits applied to another credit card, other than the roomplace® credit card, please contact The Roomplace directly at ###-###-####, as Comenity Bank is unable to make adjustments to charges/credits applied to other credit cards I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand your from your complaint that you are concerned about the balance of your accountYoustate that you are consistently making the minimum payments; however, the balance has not decreased.Additionally, you have contacted Comenity Capital Bank requesting an itemized statement but the requestwas not honoredWe understand your concerns as explained in your correspondence, and we sincerelyapologize for any continued frustration or inconvenience you may have experienced.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank isresponsible for addressing questions related to the credit card account, while HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed your HSN credit card account, and have enclosed a table which outlines yourstatement activity from February through January 6, including: purchases, payments, and bankfees assessed.In the interest of customer service, a late fee credit in the amount of $was credited to your accounton February 17, 2016.As of the date of this letter, the remaining balance on your HSN credit card account is $4,with aminimum payment of $0.00, due by March 12, Each month that the account has an unpaidbalance, a finance charge will be assessed at billingThe current APR for the HSN account is 26.99%.To avoid any additional finance charges, the account balance would need to be paid in fullThe Bankfinds the account balance to be valid.Additionally, customers who are experiencing financiat difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs can provideoptions such as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditorsComenity Capital Bank supports and participates in the programs provided by CCCSagenciesShould you wish to obtain information regarding their programs and for a member agencylocated near you, please contact the National Foundation for Credit Counseling at ###-###-####.I hope you find this information to be helpfulShould you have any further questions regarding theoutlined in this letter, please contact me directly at ###-###-####, ext [redacted]
The billing statement will be sent via mail with the responseDear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Fashion Bug credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, You state you used the credit account at two stores in Maine, which have closedYou state you do not have the card numberI am happy to share my findingsBank records indicate the account was opened August 6, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and feesThe last purchase posted to the account in the amount $on July 30, 2012, and the last payment posted in the amount of $on April 16, Our records further indicate, the account was closed per your request on March 13, We have included a billing statement, for your records, which provides the account number I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and weare here to help answer your account-related questionsYour complaint, was forwarded to myattention, and I appreciate the opportunity to assist you.We understand that you requested to settle your account balance in April 4, 2016, in the amountof $477.89, and you were to receive a letter indicating the account was paid, closed, and reportedto the credit bureaus within daysAfter three months the changes have not been made andyour credit report continues to reflect an unpaid balanceYou are requesting the Bank correctyour credit report.Bank records indicate that the account was permanently closed as an unpaid debt on May 15,2015, and was sent to a third party collection agency, Professional Bureau of CollectionsAfterfurther research, please be assured that we have asked them to return the account to ComenityBank, and we updated our records with a "Closed Settlement" notationAdditionally, the nationalcredit-reporting agencies have been made aware of the changes that need to be made on yourcredit reportPlease allow them up to calendar days to update their records.You may keep this letter as confirmation of the settlement for your records.We sincerely apologize for the inconvenience this matter may have caused youIf you have anyfurther 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 additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues OLD PUEBLO TRADERS® credit cardaccounts, and we are here to assist you with all account-related questions or concernsIappreciate the opportunity to respond to your concerns.We understand from your additional complaint that you would like [redacted] Bank’s contactinformation so that you can contact them regarding the refundYou asked why Comenity Bankcannot request the refund.Thank you for speaking with me on November 1, Please find a summary of ourconversation below.Please be advised that Comenity Bank released the funds to [redacted] Bank on July 27, 2016.We no longer have these funds; as such, your bank would need to contact [redacted] Bank toreceive the refund.I spoke to [redacted] at [redacted] Bank on November 1, 2016, and provided her with referencenumber [redacted] , which identifies the specific transmission of funds from [redacted] Bank to [redacted] Bank.Additionally, we received a second confirmation number of [redacted] , which identifiesthe specific reference number for the funds that are located at [redacted] Bank[redacted] advised that she is reaching out to the adjustments area, they are researching the refunddetails, and she will provide you with a telephone call when she has more information.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R**
Dear [redacted] Thank you for contacting the Revdex.com regarding the above-referenced account As the bank that issues Victoria’s Secret Angel credit card accounts, we are here to assist you with your account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns I understand from your complaint that your personal information was used to open the above account without your permission and you would like them stopped We understand your concerns outlined in the Revdex.com complaint and apologize for any inconvenience this may have caused you We understand the frustration and burden this places on our customers After a thorough review of the account, our records indicate the above-referenced account was opened on April 7, 2015, by a mobile device At this time, the application would have asked for your personal information, including social security number and date of birth, along with your electronic permission to process the application Further records indicate a purchase for $was charged to the account on April 7, 2015, at the Bath & Body Works store, located in the [redacted] On April 20, 2015, our Account Protection (Fraud) team spoke to you regarding the account and mailed out a Statement of Fraud and Forgery (SOFF) Once you have received the SOFF, please ensure you fill out all the information possible and send back to the address listed on the SOFF Once our Account Protection team receives and processes the SOFF, a fraud investigation will be opened We will send you a letter to provide you with the case number, and another letter will be mailed at the conclusion of the investigation, which may take 60-days Meanwhile, should you have any additional questions regarding this account, you may contact Account Protection (Fraud) at ###-###-#### They will be happy to assist you with any questions you may have Also, we suggest that you contact the national credit-reporting agencies using the information below and place a fraud alert on your credit report While we are not able to stop someone from using your information, a fraud alert can prevent unauthorized applications from being approved xperian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian ParkwayAllen, TX - ###-###-#### PO Box 390Springfield, PA - ###-###-#### PO Box 740241Atlanta, GA - 0241###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope you find this information helpful Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); and I will be happy to assist you further Sincerely, [redacted]
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/05/Please let me know if this extension date is not approved
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your Simply Be credit card account Comenity Capital Bank issues Simply Be 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 around Christmas 2015, you placed an order via phone from Simply Be for a matching bra and panty, with free shipping and handling From this order you received the panty only, and figured the bra was on backorder When ordering the panty it was $20.00, and is now $ You state that since the items were on the same order you waited to pay, and have received billings that indicate you have been overcharged You have attempted to resolve this issue for the last three months by calling and writing in several times You are requesting that the account be closed and that you owe nothing, as you have paid the $ Please understand that Comenity Capital Bank and Simply Be are two separate entities The Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns and shipping We received your disputes in regard to the above situation Per our records we have advised you to contact Simply Be directly for further assistance We apologize for any frustration or inconvenience this has caused you, or if you feel that your issue has not been resolved We contacted Simply Be, on your behalf, and their records indicate that on November 23, 2015, you placed an order, for a Full Cup Wired Bra in black size 36C, and Briefs in black size The bra was $22.52, and the briefs were $ The shipping and handling of $was added to the briefs on your billing statement reflecting the amount of $ Free shipping and handling only applies to orders over $75.00, and your total was $ The briefs were shipped on November 23, 2015, and the bra on November 28, The shipping option chosen at the time of placing the order was an untracked shipping method; therefore, the packages cannot be tracked When an order is shipped it is billed to whatever method of payment is indicated Per the Credit Card Agreement (CCA), transactions placed on an account during the billing period will require a minimum due for such charges When the minimum due is not met by the date indicated on such billing statements, the account will be subject to late fees After reviewing your account Bank records indicate we received your first payment in the amount of $on April 8, At the time of this payment your minimum due was $38.00, and the account was four billings past due On May 11, 2016, a payment in the amount of $was received This satisfied only part of the minimum due amount of $ The amount of $is due by June 4, 2016, to satisfy the entire minimum due indicated on the May billing statement Based upon the information provided by Simply Be, the Bank finds the account balance to be valid No adjustments are due at this time Please contact Simply Be corporate office directly at ###-###-####, for further assistance in regard to this matter They will be happy to assist you As requested the above-referenced account has been closed per your request as of May 25, Comenity Capital Bank values you as a customer, and we hope that you find this information to be helpfulSincerely, Diamond L***
The fact that I called when I had not received my December statement should be taken into accountWhen I did call the credit card's customer service number and I was told no "payment due at this time"Because of that, I waited to pay my billAt the very least, Comenity Bank could offer to split the $late fee with meBut it seems this bank has very poor customer service which is why I decided to close my account
Dear STEVENSKEES,Thank you for contacting Comenity Bank As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/requesting that we investigate information reported onyour credit file.To address concern,we have updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next calendar days.We value you as a customer and apologize for any inconvenience this may have causedIffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### )We will be happy to help you.Sincerely,Customer Careteam
This response did not address my issueAll it is is a letter claiming that they sent me a response on July 15th which I never receivedWhat is the response? Regards, [redacted] ***
I am rejecting this response because I was not late in the last monthsI have contacted your customer service less than business daysI'm asking for that late fee to be removed Regards, Elena G [redacted]
Dear Mr [redacted] Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatter.If you would like to provide more information as to how you would like this matter to be handled,I may be able to assist you.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda [redacted]
If the the audio tape was reviewed, than somebody would have heard MrM [redacted] say over the phone that I am only supposed to be charged $1,dollars How I am at fault? MrM [redacted] is very clear about itYour own customer service agent did not understand how it was possibleShe repeatedly told him that another charge was shown in your systemMrM [redacted] than proceed to tell us to contact bank of [redacted] cause maybe it was their faultI just want an explanation how after listening to the tapes, how is my verdict not justifiedIt is clearly stated by merchant what the charge was supposed to beWhat other evidence do I need to provide? Clearly there is mistake somewhereAll I am showed is copy of receipt during check in which includes amount for depositThere is no receipt for check outWhen returned the key the agents told me same thing as MrM***, the final charge is $1,How can I prevent this in future? Regards, [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Bon-Ton credit cardWe are here to answer your questions and assist with your concernsWe understand that you state you never enrolled in paperless billing, and since you never received your billing statement you should not be considered late on your paymentYou state that the date of enrollment for the paperless billing doesn’t make sense as the bill wasn’t due until January 20, You would have never logged on to pay the bill on the fifthFurthermore, you state that when you check your account there is a red flag for you to confirm your email addressYou question how you would enroll in paperless billing if your email address was not confirmed, and you had been receiving paper billing statements until January You are requesting the Bank provide you with documentation confirming that you logged on to the system and opted into paperless billingOur records indicate that your account was registered through our online Account Center on January 5, 2015, which provides account holders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we send a monthly Statement-Ready Email (SRE) notifying you when the statement is available to be viewedThe last SRE was sent on April 28, 2017, and we do not have record of emails being returned as undeliverable from the email address you providedIf you wish to cancel your enrollment in paperless statements, please log in to Account Center and update this preference, or contact our Customer Care department at the phone number on the back of your Bon-Ton credit cardWe understand that there is an alert on your Account Center portal to verify your email addressThis alert is issued periodically to ensure that your email address on file with us is current and up to date, as only the customer can input the information due to the uniqueness and sensitivity of the email addressesPlease be advised to have the Bank provide you with documentation confirming your enrollment information, a subpoena would be necessaryThe subpoena would need to be sent to the address below: Comenity Bank Clerk of Records [redacted] [redacted] *** As the minimum payment for the April billing period was not received a late fee was assessed to your account in the amount of $The Bank has found no accounting errors; however, on May 10, 2017, we issued $credit for the late fee as courtesyI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L*** Diamond L*** Compliance Dept– Consumer Responses
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Marathon credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your complaint, address to the Revdex.com, that you assumed by addingyour banking information on our Account Center, that automatic payments would be set upYou found thatthis was not the case, and the account was assessed a late feeYou state you made the payment anddestroyed the Marathon credit cardAfter receiving an email advising you that the account still had abalance of $34.00, you reached out to the Bank and were advised that the balance was a late feeYou arerequesting the account closed and the late fee removed.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Although we found no billing errors on the Bank’s part, as a courtesy, a credit of $have been appliedto the account for the late fee and finance assessed to the account due to this matterThis credit will bringthe account balance to zero.On March 9, 2017, the account was closed per your request.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
during the time period they claim I was overdue, their own employees told me I didn't owe any paymentThat may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistakeEither they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuitI am VERY confident that I am correct and I will take this as far as I need to[redacted]
February 23, [redacted] RE: The [redacted] Credit Card Account Ending In *** Revdex.com Complaint ID # [redacted] Dear [redacted] :Comenity Bank has received your correspondence regarding the above-referenced account Comenity Bank issues the The [redacted] credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint, address to the Revdex.com, that you called Comenity Bank regarding a payment and late feeYou state that while speaking to the representative you were advised that your payment was received after the due date and the account was assessed a late feeAt that time the representative advised the late fee would be credited to your account as a courtesyAdditionally, you state that the representative never mentioned that you had a payment due, and stated that you were fineYou noticed that you have been assessed a second late feeYou are requesting credit be issued for the second late fee.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.After a thorough review of the account, our records indicate that a statement was issued to you December 18, 2016, with a balance of $and a minimum payment of $due on January 13, As no payment was received by the due date a late fee of $was assessed to the account per the Credit Card AgreementOn January 18, 2017, a statement was issued to you with a balance of $with a minimum payment of $on February 13, As no payment was received by the due date another late fee of $was assessed to the account.On February 15, 2017, a statement was issued to you with a balance of $with a minimum payment of $due on March 13, Enclosed are the statements mentioned above for you review.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.Please be advised that on February 13, 2017, credit was issued for a late fee of $27.00, the Bank is unwilling to credit another late fee at this timeThe Bank finds this fee to be validOn February 21, 2017, a payment of $was applied to the accountAs of the date of this letter, the account balance is zero.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me Regards, [redacted] ***
Comenity Bank has received your correspondence regarding the above-referenced credit card account Comenity Bank issues the roomplace® credit card We are here to answer your questions and assist with your concerns We understand that you are requesting a refund of $due to the delay in receiving a credit from The Roomplace in the amount of $to your personal credit card We would like to apologize for any inconvenience this situation may have caused you Please be advised that Comenity Bank and The Roomplace are two separate entities The Bank issues and is responsible for addressing questions related to the roomplace® credit card account The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards For compensation regarding charges/credits applied to another credit card, other than the roomplace® credit card, please contact The Roomplace directly at ###-###-####, as Comenity Bank is unable to make adjustments to charges/credits applied to other credit cards I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand your from your complaint that you are concerned about the balance of your accountYoustate that you are consistently making the minimum payments; however, the balance has not decreased.Additionally, you have contacted Comenity Capital Bank requesting an itemized statement but the requestwas not honoredWe understand your concerns as explained in your correspondence, and we sincerelyapologize for any continued frustration or inconvenience you may have experienced.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank isresponsible for addressing questions related to the credit card account, while HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.We have reviewed your HSN credit card account, and have enclosed a table which outlines yourstatement activity from February through January 6, including: purchases, payments, and bankfees assessed.In the interest of customer service, a late fee credit in the amount of $was credited to your accounton February 17, 2016.As of the date of this letter, the remaining balance on your HSN credit card account is $4,with aminimum payment of $0.00, due by March 12, Each month that the account has an unpaidbalance, a finance charge will be assessed at billingThe current APR for the HSN account is 26.99%.To avoid any additional finance charges, the account balance would need to be paid in fullThe Bankfinds the account balance to be valid.Additionally, customers who are experiencing financiat difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs can provideoptions such as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditorsComenity Capital Bank supports and participates in the programs provided by CCCSagenciesShould you wish to obtain information regarding their programs and for a member agencylocated near you, please contact the National Foundation for Credit Counseling at ###-###-####.I hope you find this information to be helpfulShould you have any further questions regarding theoutlined in this letter, please contact me directly at ###-###-####, ext [redacted]
The billing statement will be sent via mail with the responseDear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank previously issued the Fashion Bug credit cardWe are here to answer your questions and assist with your concernsWe understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, You state you used the credit account at two stores in Maine, which have closedYou state you do not have the card numberI am happy to share my findingsBank records indicate the account was opened August 6, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and feesThe last purchase posted to the account in the amount $on July 30, 2012, and the last payment posted in the amount of $on April 16, Our records further indicate, the account was closed per your request on March 13, We have included a billing statement, for your records, which provides the account number I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and weare here to help answer your account-related questionsYour complaint, was forwarded to myattention, and I appreciate the opportunity to assist you.We understand that you requested to settle your account balance in April 4, 2016, in the amountof $477.89, and you were to receive a letter indicating the account was paid, closed, and reportedto the credit bureaus within daysAfter three months the changes have not been made andyour credit report continues to reflect an unpaid balanceYou are requesting the Bank correctyour credit report.Bank records indicate that the account was permanently closed as an unpaid debt on May 15,2015, and was sent to a third party collection agency, Professional Bureau of CollectionsAfterfurther research, please be assured that we have asked them to return the account to ComenityBank, and we updated our records with a "Closed Settlement" notationAdditionally, the nationalcredit-reporting agencies have been made aware of the changes that need to be made on yourcredit reportPlease allow them up to calendar days to update their records.You may keep this letter as confirmation of the settlement for your records.We sincerely apologize for the inconvenience this matter may have caused youIf you have anyfurther 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 additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues OLD PUEBLO TRADERS® credit cardaccounts, and we are here to assist you with all account-related questions or concernsIappreciate the opportunity to respond to your concerns.We understand from your additional complaint that you would like [redacted] Bank’s contactinformation so that you can contact them regarding the refundYou asked why Comenity Bankcannot request the refund.Thank you for speaking with me on November 1, Please find a summary of ourconversation below.Please be advised that Comenity Bank released the funds to [redacted] Bank on July 27, 2016.We no longer have these funds; as such, your bank would need to contact [redacted] Bank toreceive the refund.I spoke to [redacted] at [redacted] Bank on November 1, 2016, and provided her with referencenumber [redacted] , which identifies the specific transmission of funds from [redacted] Bank to [redacted] Bank.Additionally, we received a second confirmation number of [redacted] , which identifiesthe specific reference number for the funds that are located at [redacted] Bank[redacted] advised that she is reaching out to the adjustments area, they are researching the refunddetails, and she will provide you with a telephone call when she has more information.I hope that this information is helpfulShould you have any further questions regarding youraccount, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R**
Dear [redacted] Thank you for contacting the Revdex.com regarding the above-referenced account As the bank that issues Victoria’s Secret Angel credit card accounts, we are here to assist you with your account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns I understand from your complaint that your personal information was used to open the above account without your permission and you would like them stopped We understand your concerns outlined in the Revdex.com complaint and apologize for any inconvenience this may have caused you We understand the frustration and burden this places on our customers After a thorough review of the account, our records indicate the above-referenced account was opened on April 7, 2015, by a mobile device At this time, the application would have asked for your personal information, including social security number and date of birth, along with your electronic permission to process the application Further records indicate a purchase for $was charged to the account on April 7, 2015, at the Bath & Body Works store, located in the [redacted] On April 20, 2015, our Account Protection (Fraud) team spoke to you regarding the account and mailed out a Statement of Fraud and Forgery (SOFF) Once you have received the SOFF, please ensure you fill out all the information possible and send back to the address listed on the SOFF Once our Account Protection team receives and processes the SOFF, a fraud investigation will be opened We will send you a letter to provide you with the case number, and another letter will be mailed at the conclusion of the investigation, which may take 60-days Meanwhile, should you have any additional questions regarding this account, you may contact Account Protection (Fraud) at ###-###-#### They will be happy to assist you with any questions you may have Also, we suggest that you contact the national credit-reporting agencies using the information below and place a fraud alert on your credit report While we are not able to stop someone from using your information, a fraud alert can prevent unauthorized applications from being approved xperian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian ParkwayAllen, TX - ###-###-#### PO Box 390Springfield, PA - ###-###-#### PO Box 740241Atlanta, GA - 0241###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope you find this information helpful Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); and I will be happy to assist you further Sincerely, [redacted]
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/05/Please let me know if this extension date is not approved
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your Simply Be credit card account Comenity Capital Bank issues Simply Be 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 around Christmas 2015, you placed an order via phone from Simply Be for a matching bra and panty, with free shipping and handling From this order you received the panty only, and figured the bra was on backorder When ordering the panty it was $20.00, and is now $ You state that since the items were on the same order you waited to pay, and have received billings that indicate you have been overcharged You have attempted to resolve this issue for the last three months by calling and writing in several times You are requesting that the account be closed and that you owe nothing, as you have paid the $ Please understand that Comenity Capital Bank and Simply Be are two separate entities The Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns and shipping We received your disputes in regard to the above situation Per our records we have advised you to contact Simply Be directly for further assistance We apologize for any frustration or inconvenience this has caused you, or if you feel that your issue has not been resolved We contacted Simply Be, on your behalf, and their records indicate that on November 23, 2015, you placed an order, for a Full Cup Wired Bra in black size 36C, and Briefs in black size The bra was $22.52, and the briefs were $ The shipping and handling of $was added to the briefs on your billing statement reflecting the amount of $ Free shipping and handling only applies to orders over $75.00, and your total was $ The briefs were shipped on November 23, 2015, and the bra on November 28, The shipping option chosen at the time of placing the order was an untracked shipping method; therefore, the packages cannot be tracked When an order is shipped it is billed to whatever method of payment is indicated Per the Credit Card Agreement (CCA), transactions placed on an account during the billing period will require a minimum due for such charges When the minimum due is not met by the date indicated on such billing statements, the account will be subject to late fees After reviewing your account Bank records indicate we received your first payment in the amount of $on April 8, At the time of this payment your minimum due was $38.00, and the account was four billings past due On May 11, 2016, a payment in the amount of $was received This satisfied only part of the minimum due amount of $ The amount of $is due by June 4, 2016, to satisfy the entire minimum due indicated on the May billing statement Based upon the information provided by Simply Be, the Bank finds the account balance to be valid No adjustments are due at this time Please contact Simply Be corporate office directly at ###-###-####, for further assistance in regard to this matter They will be happy to assist you As requested the above-referenced account has been closed per your request as of May 25, Comenity Capital Bank values you as a customer, and we hope that you find this information to be helpfulSincerely, Diamond L***
The fact that I called when I had not received my December statement should be taken into accountWhen I did call the credit card's customer service number and I was told no "payment due at this time"Because of that, I waited to pay my billAt the very least, Comenity Bank could offer to split the $late fee with meBut it seems this bank has very poor customer service which is why I decided to close my account
Dear STEVENSKEES,Thank you for contacting Comenity Bank As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/requesting that we investigate information reported onyour credit file.To address concern,we have updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next calendar days.We value you as a customer and apologize for any inconvenience this may have causedIffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### )We will be happy to help you.Sincerely,Customer Careteam
This response did not address my issueAll it is is a letter claiming that they sent me a response on July 15th which I never receivedWhat is the response? Regards, [redacted] ***
I am rejecting this response because I was not late in the last monthsI have contacted your customer service less than business daysI'm asking for that late fee to be removed Regards, Elena G [redacted]
Dear Mr [redacted] Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and arehere to help with your questionsThe Revdex.com forwarded your complaint to myattention and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity BankPlease be advised that thetelephone calls being made were attempts to contact a customer regarding a personal businessmatter.If you would like to provide more information as to how you would like this matter to be handled,I may be able to assist you.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda [redacted]