Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the HSN credit card accountsWe are here toanswer your questions and assist with your concerns.In your correspondence you state you ordered a mopWhen the bill arrived, you paid for the mopin full; however, your payment was received after the due date and a late fee was assessedTheaccount was closed as you requested; however, you keep getting bills that get higher everymonthYou want HSN to stop aggravating you and not mess up your creditWe apologize for anyfrustration or inconvenience this matter may have caused you.We have reviewed the concerns in your correspondence and would like to share our findingsThedue date on your account is the 5th of the monthBank records indicate a statement was issuedon April 9, 2017, indicating a balance of $with a minimum payment of $due by May5, A payment of $was received on May 10, Since the payment was receivedafter the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card AgreementBecause this requirement was not met, the late fee is valid and weare unwilling to credit any additional late fees at this time.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson FCompliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assistwith your concerns.We understand from your correspondence, submitted to the Revdex.com, that from Januarythrough April you were charged a monthly fee of $for VIP PlusYou state that you spoketo someone, and were informed that the charge would no longer be added to your accountAdditionally,you state that late fees have been added to your account and the balance is $You are requestingto have the fees removed and your account brought to a zero balanceYou are also requesting that you donot receive any more catalogs.After reviewing your account, our records indicate that you enrolled in Old Pueblo Traders VIP Plus onNovember 10, 2016, while placing an online orderOn January 19, 2017, the Old Pueblo Traders VIP Pluswas canceled.Please be assured that the charges for the Old Pueblo Traders VIP Plus have been credited back to youraccountIn addition, all late fees and finance charges related to this matter have been credited, whichbrings the account balance to zero.Additionally, the Bank has reinstated your credit limit to the original credit limit of $750.00.In regard to your request to stop receiving catalogs, a request has been submitted to discontinue thecatalogsPlease allow 4-weeks for all catalog mailings to cease.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear Ms [redacted] Thank you for your recent complaint regarding the account noted above Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concernsYour complaint, addressed to the Better Business Bureau, was forwarded to my attention and I appreciate the opportunity to assist you I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase Immediately after the sale, you wanted to pay the credit card off utilizing a gift card You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment You are requesting to use your gift card to pay for purchases and receive cash back on the item I have reviewed you complaint, and would like to share my findings Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose a payment method that's right for you: In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account todayOnline payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn accountMail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possibleSame day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representativeA fee applies to same-day payments made with the representative In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificatesYou may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars I hope you find this information to be helpful Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Geanine M [redacted]
I'm sorry for being late. But I just 88 yrs old & I haven't been feeling good.'But I had to thank you for helping me. Everything has stopped. So thank you again.I'm living in a assisted living home so I'm slow. But thank you. [redacted] ***###-###-####
See page of in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late They should have been valid at the time of my purchase.Then, I was never given my when comenity DID apply themComenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from ComenityComenity was acting fraudulently by rewarding the points, removing the points but never honoring the pointsI want a check for sent to me, no more no less Regards, [redacted] ***
Dear [redacted] :We have received your complaint regarding a Comenity Bank credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you recently checked your credit report and found that Comenity Bank has several credit inquiries listedYou are stating that the inquiries are unauthorized and are requesting that the Bank remove this information from your credit bureau reportPlease be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns 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 sent to you on March 2, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosure
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear [redacted] :We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concernsWe understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail When you received a phone call from Comenity Bank, you paid the balance in full You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice Use of the account, or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $was charged to the account A statement was issued on February 19, 2015, indicating a balance of $with a payment of $25.00, due by March 17, A second statement was issued on March 22, 2015, indicating a balance of $with a payment of $due by April 17, As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit reportOn May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision The credit bureaus may be reached by using the following information: Experian (TRW) Trans Union (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Tionna M [redacted]
Dear [redacted] : We have received the complaint that you sent to the Revdex.com regarding the above-noted account Comenity Bank issues Old Pueblo Traders credit card accounts, and we are here to help answer your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state in your complaint that you received a call about a bill, and although the bill was paid on time, it took a week to post to the account You further state that when you called to get it straight, the representative you spoke with said that she was sending the police to your house to arrest you for not paying on time Additionally, you state that when you called to cancel the account you were told that you were never going to pay anyway We sincerely apologize for any frustration this matter may have caused you We have reviewed your account and are happy to share our findings We have enclosed copies of your monthly billing statements referenced in this letter, for your reviewThe Bank has reviewed the issues in your complaint, as well as the applicable phone conversations We apologize if you felt that you did not receive the best customer service; however, we could find no evidence of the treatment you describe It is never the Bank's intention to treat our customers in a less-than-satisfactory manner Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not metPlease understand that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account will be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card AgreementOur records indicate that a billing statement was issued on December 26, 2014, reflecting a balance of $324.42, and a minimum payment of $ due by January 21, On January 22, 2015, a payment of $posted to the account Because the payment posted after the due date, a late fee and a finance charge were assessed Statements continued to be sent monthly; however, as no payments were received until June 10, 2015, late fees and finance charges continued to be assessed, and the account fell four billing cycles past due After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service, we have issued credits totaling $to remove the late fees which were assessed to the account from January through May These credits will appear on one of your next two billing statements We value you as a customer, and we hope you find this information to be helpful Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext [redacted] *TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist
Dear Ms [redacted] :Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate thisopportunity to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your accountYou state that you have been paying $a month andyou were surprised to see that you had two late fees added to your accountYou are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every monthYour ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing periodPlease be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is receivedA latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagenciesOn December 15, 2016, a late fee in the amount of $was credited to youraccountIn the interest of customer service, the additional late fees totaling $have beencredited to your account.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
Dear Mrs*** We received your complaint, addressed to the Revdex.com Comenity Bank issues The RoomPlace credit cardaccounts, and we respond to account-related questions Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concernsWe understand your concerns as explained in the complaint Bank records show that The RoomPlace accountis solely listed in the name of [redacted] ***Because of this, the Bank is unable to discuss or release accountinformation to another party without Mr***’s permission Please be advised that we have sent a response to [redacted] directly regarding theaccountWe hope this information is helpful Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy toassist youSincerely, [redacted] [redacted] Consumer Relations Specialist ell us why here
I am rejecting this response because: For the last 12 months I was never late. I explained to the customer representative that I was in the hospital and we were discharged on 5.25.17. Victoria Secret is the only account which doesn't have automatic payment and was the only account that I was unable to set up for automatic payments. I contacted them twice to get that fee removed on the first week of June but their CS is very hostile. See attached the discharge document from the hospital. The previous late fee was assigned to my acccount over 16 months ago because they switched my account to receive the statements over the email instead of mail without my consent. Please waive the fee of $27 so I can process the payment. Regards, [redacted]
February 9, [redacted] RE: Unwanted Calls Revdex.com Complaint ID # Dear Cheri P***: Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsYour correspondence indicates you are receiving telephone calls from Comenity Bank regarding a matter not related to youThe calls placed to the telephone number were attempts by us to contact one of our customers regarding a business matterWe apologize for the inconvenience this may have causedYou should no longer be receiving phone calls regarding this matter as we have marked the telephone number ending in with “Do Not Call” instructionsIf you receive calls from us on a different telephone number regarding a matter not related to you, please contact us at ###-###-#### to update our recordsSincerely, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the J.Crew credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that you paid off the J.Crew account on April 3, Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your requestYou state that the Bank has added late fees and finance charges to the accountYou are requesting all fees removedPlease be assured that credits totaling $have been applied to the account for the late fees and finance charges applied to the accountAdditionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit filePlease allow days for credit-reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened a Wayfair Card account... with a credit limit of $4,500.00. You state that you continue to pay your bill; and that you only skipped a payment or two. Due to this matter the credit limit was decreased to $3,100.00 and every time that you make a payment the balance does not decrease. You request an adjustment to the account, as you make $109.00 payments to the account each month. I am happy to share my findings. Bank records indicate the account was opened May 16, 2016, with a credit limit of $4,500.00. The credit limit was decreased to $3,100.00 on November 24, 2016, as the account was past due for more than one consecutive billing period. 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. Our records further indicate that from September 2016 through June 2017, excluding the months of February 2017 and March 2017, the minimum due amount was not met: which caused a late fee to be assessed to the balance each month. Although, you were making a payment of $109.00, with the applicable finance charge and late fee assessed, the balance increased. We suggest that you review your monthly billing statement to ensure that the minimum payment required is met each month. This will allow the balance to decrease over time. As of the date of this letter, the account has a valid balance of $3,107.33, with a minimum payment of $218.00 due by July 20, 2017. No billing adjustment is due at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kaija Marshall Compliance Dept. – Consumer Responses cc: RevDex.com
We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Roaman’s® credit card accounts, and we are here to assist you with all account-related questions or concerns I appreciate the opportunity to respond to your concerns We understand from your complaint that you placed an order in late July through Roaman’s and you did not receive the correct merchandise, so you returned the items You attempted to reorder the items, but you still received the wrong merchandise Even though the items were returned, you were still charged for the items by Comenity Bank, when you received your bill You advised Comenity Bank that all of the merchandise was returned but you still continue to receive bills with added late fees and finance charges You are requesting to have the charges removed and your account closed Please note Comenity Bank and Roaman’s are two separate entities The Bank issues, and is responsible for addressing questions related to, your credit card account Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping When ordering merchandise by mail, you generally will be charged for shipping and handling as well as the cost of the merchandise If merchandise is returned within days, Roaman’s will refund the cost of the merchandise, but shipping and handling charges are not refundable If you use the Customer Return Label for your return, Roaman’s will charge your account $when processing your return Roaman’s return policy states: Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed or defective merchandise may be returned within days We are happy to send you a new size, color or style or issue a refund for the purchase price (excluding shipping and handling charges) For returns made after days, we will issue a gift card equal to the purchase price (less shipping and handling charges) that can be used toward a future purchase Please keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA) I have enclosed copies of the billing statements which show the account activity that comprised the account balance We have spoken to Roaman’s on your behalf The Bank was provided with the receipts for your orders Roaman’s has advised that you placed two orders that were processed to the account You placed your first order on April 16, 2016, in the amount of $ The merchandise was returned on August 2016; as this was past days, a merchandise credit in the amount of $was issued to you You placed your second order on July 6, 2016, in the amount of $ You utilized a gift card in the amount of $lowering the total to $ The merchandise was returned on August 29, 2016, and a full refund in the amount of $was issued to your Roaman’s® account After researching the account, the Bank finds the balance to be valid; as such, we respectfully decline your request to remove any fees As of the date of this letter, the balance on the account is $125.44, with a minimum payment of $20.00, due by January 2, The Roaman’s® account was closed, per your request, on September 23, You are a valued customer, and we apologize for any confusion or frustration this matter has caused you Should you have any further questions regarding your accounts, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Amanda R [redacted] Consumer Relations Specialist CC: Revdex.com
Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the HSN credit card accountsWe are here toanswer your questions and assist with your concerns.In your correspondence you state you ordered a mopWhen the bill arrived, you paid for the mopin full; however, your payment was received after the due date and a late fee was assessedTheaccount was closed as you requested; however, you keep getting bills that get higher everymonthYou want HSN to stop aggravating you and not mess up your creditWe apologize for anyfrustration or inconvenience this matter may have caused you.We have reviewed the concerns in your correspondence and would like to share our findingsThedue date on your account is the 5th of the monthBank records indicate a statement was issuedon April 9, 2017, indicating a balance of $with a minimum payment of $due by May5, A payment of $was received on May 10, Since the payment was receivedafter the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card AgreementBecause this requirement was not met, the late fee is valid and weare unwilling to credit any additional late fees at this time.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F
Compliance Dept– Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assistwith your concerns.We understand from your correspondence, submitted to the Revdex.com, that from Januarythrough April you were charged a monthly fee of $for VIP PlusYou state that you spoketo someone, and were informed that the charge would no longer be added to your accountAdditionally,you state that late fees have been added to your account and the balance is $You are requestingto have the fees removed and your account brought to a zero balanceYou are also requesting that you donot receive any more catalogs.After reviewing your account, our records indicate that you enrolled in Old Pueblo Traders VIP Plus onNovember 10, 2016, while placing an online orderOn January 19, 2017, the Old Pueblo Traders VIP Pluswas canceled.Please be assured that the charges for the Old Pueblo Traders VIP Plus have been credited back to youraccountIn addition, all late fees and finance charges related to this matter have been credited, whichbrings the account balance to zero.Additionally, the Bank has reinstated your credit limit to the original credit limit of $750.00.In regard to your request to stop receiving catalogs, a request has been submitted to discontinue thecatalogsPlease allow 4-weeks for all catalog mailings to cease.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear Ms [redacted] Thank you for your recent complaint regarding the account noted above Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concernsYour complaint, addressed to the Better Business Bureau, was forwarded to my attention and I appreciate the opportunity to assist you I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase Immediately after the sale, you wanted to pay the credit card off utilizing a gift card You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment You are requesting to use your gift card to pay for purchases and receive cash back on the item I have reviewed you complaint, and would like to share my findings Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose a payment method that's right for you: In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account todayOnline payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn accountMail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possibleSame day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representativeA fee applies to same-day payments made with the representative In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificatesYou may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars I hope you find this information to be helpful Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Geanine M [redacted]
Consumer called Revdex.com requesting business response be resent to her via postal mail
I'm sorry for being late. But I just 88 yrs old & I haven't been feeling good.'But I had to thank you for helping me. Everything has stopped. So thank you again.I'm living in a assisted living home so I'm slow. But thank you. [redacted] ***###-###-####
See page of in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late They should have been valid at the time of my purchase.Then, I was never given my when comenity DID apply themComenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from ComenityComenity was acting fraudulently by rewarding the points, removing the points but never honoring the pointsI want a check for sent to me, no more no less Regards, [redacted] ***
Dear [redacted] :We have received your complaint regarding a Comenity Bank credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you recently checked your credit report and found that Comenity Bank has several credit inquiries listedYou are stating that the inquiries are unauthorized and are requesting that the Bank remove this information from your credit bureau reportPlease be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns 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 sent to you on March 2, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosure
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear [redacted] :We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concernsWe understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail When you received a phone call from Comenity Bank, you paid the balance in full You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice Use of the account, or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $was charged to the account A statement was issued on February 19, 2015, indicating a balance of $with a payment of $25.00, due by March 17, A second statement was issued on March 22, 2015, indicating a balance of $with a payment of $due by April 17, As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit reportOn May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due This statement will not change your credit rating; however, it will explain to potential creditors why the account became past due, and it may contribute to their decision The credit bureaus may be reached by using the following information: Experian (TRW) Trans Union (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Tionna M [redacted]
Dear [redacted] : We have received the complaint that you sent to the Revdex.com regarding the above-noted account Comenity Bank issues Old Pueblo Traders credit card accounts, and we are here to help answer your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state in your complaint that you received a call about a bill, and although the bill was paid on time, it took a week to post to the account You further state that when you called to get it straight, the representative you spoke with said that she was sending the police to your house to arrest you for not paying on time Additionally, you state that when you called to cancel the account you were told that you were never going to pay anyway We sincerely apologize for any frustration this matter may have caused you We have reviewed your account and are happy to share our findings We have enclosed copies of your monthly billing statements referenced in this letter, for your reviewThe Bank has reviewed the issues in your complaint, as well as the applicable phone conversations We apologize if you felt that you did not receive the best customer service; however, we could find no evidence of the treatment you describe It is never the Bank's intention to treat our customers in a less-than-satisfactory manner Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not metPlease understand that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account will be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card AgreementOur records indicate that a billing statement was issued on December 26, 2014, reflecting a balance of $324.42, and a minimum payment of $ due by January 21, On January 22, 2015, a payment of $posted to the account Because the payment posted after the due date, a late fee and a finance charge were assessed Statements continued to be sent monthly; however, as no payments were received until June 10, 2015, late fees and finance charges continued to be assessed, and the account fell four billing cycles past due After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service, we have issued credits totaling $to remove the late fees which were assessed to the account from January through May These credits will appear on one of your next two billing statements We value you as a customer, and we hope you find this information to be helpful Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext [redacted] *TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist
Dear Ms [redacted] :Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate thisopportunity to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your accountYou state that you have been paying $a month andyou were surprised to see that you had two late fees added to your accountYou are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every monthYour ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing periodPlease be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is receivedA latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagenciesOn December 15, 2016, a late fee in the amount of $was credited to youraccountIn the interest of customer service, the additional late fees totaling $have beencredited to your account.I hope you found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted]
I have no idea what they are referring to Regards, [redacted]
Dear Mrs*** We received your complaint, addressed to the Revdex.com Comenity Bank issues The RoomPlace credit cardaccounts, and we respond to account-related questions Your correspondence was forwarded to myattention, and I appreciate the opportunity to respond to your concernsWe understand your concerns as explained in the complaint Bank records show that The RoomPlace accountis solely listed in the name of [redacted] ***Because of this, the Bank is unable to discuss or release accountinformation to another party without Mr***’s permission Please be advised that we have sent a response to [redacted] directly regarding theaccountWe hope this information is helpful Shouldyou have any other questions or concerns regarding this account, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy toassist youSincerely, [redacted] [redacted] Consumer Relations Specialist ell us why here
I am rejecting this response because: For the last 12 months I was never late. I explained to the customer representative that I was in the hospital and we were discharged on 5.25.17. Victoria Secret is the only account which doesn't have automatic payment and was the only account that I was unable to set up for automatic payments. I contacted them twice to get that fee removed on the first week of June but their CS is very hostile. See attached the discharge document from the hospital. The previous late fee was assigned to my acccount over 16 months ago because they switched my account to receive the statements over the email instead of mail without my consent. Please waive the fee of $27 so I can process the payment. Regards, [redacted]
February 9, [redacted] RE: Unwanted Calls Revdex.com Complaint ID # Dear Cheri P***: Comenity Bank (Bank) has received your correspondenceWe are here to answer your questions and assist with your concernsYour correspondence indicates you are receiving telephone calls from Comenity Bank regarding a matter not related to youThe calls placed to the telephone number were attempts by us to contact one of our customers regarding a business matterWe apologize for the inconvenience this may have causedYou should no longer be receiving phone calls regarding this matter as we have marked the telephone number ending in with “Do Not Call” instructionsIf you receive calls from us on a different telephone number regarding a matter not related to you, please contact us at ###-###-#### to update our recordsSincerely, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the J.Crew credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the Revdex.com, that you paid off the J.Crew account on April 3, Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your requestYou state that the Bank has added late fees and finance charges to the accountYou are requesting all fees removedPlease be assured that credits totaling $have been applied to the account for the late fees and finance charges applied to the accountAdditionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit filePlease allow days for credit-reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Renee S [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Wayfair Card credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you opened a Wayfair Card account... with a credit limit of $4,500.00. You state that you continue to pay your bill; and that you only skipped a payment or two. Due to this matter the credit limit was decreased to $3,100.00 and every time that you make a payment the balance does not decrease. You request an adjustment to the account, as you make $109.00 payments to the account each month. I am happy to share my findings. Bank records indicate the account was opened May 16, 2016, with a credit limit of $4,500.00. The credit limit was decreased to $3,100.00 on November 24, 2016, as the account was past due for more than one consecutive billing period. 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. Our records further indicate that from September 2016 through June 2017, excluding the months of February 2017 and March 2017, the minimum due amount was not met: which caused a late fee to be assessed to the balance each month. Although, you were making a payment of $109.00, with the applicable finance charge and late fee assessed, the balance increased. We suggest that you review your monthly billing statement to ensure that the minimum payment required is met each month. This will allow the balance to decrease over time. As of the date of this letter, the account has a valid balance of $3,107.33, with a minimum payment of $218.00 due by July 20, 2017. No billing adjustment is due at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kaija Marshall Compliance Dept. – Consumer Responses cc: RevDex.com
Hi, I checked this month statement and it did not show the amount that was going to be taken awayI'll check next monthThank you!
We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Roaman’s® credit card accounts, and we are here to assist you with all account-related questions or concerns I appreciate the opportunity to respond to your concerns We understand from your complaint that you placed an order in late July through Roaman’s and you did not receive the correct merchandise, so you returned the items You attempted to reorder the items, but you still received the wrong merchandise Even though the items were returned, you were still charged for the items by Comenity Bank, when you received your bill You advised Comenity Bank that all of the merchandise was returned but you still continue to receive bills with added late fees and finance charges You are requesting to have the charges removed and your account closed Please note Comenity Bank and Roaman’s are two separate entities The Bank issues, and is responsible for addressing questions related to, your credit card account Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping When ordering merchandise by mail, you generally will be charged for shipping and handling as well as the cost of the merchandise If merchandise is returned within days, Roaman’s will refund the cost of the merchandise, but shipping and handling charges are not refundable If you use the Customer Return Label for your return, Roaman’s will charge your account $when processing your return Roaman’s return policy states: Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed or defective merchandise may be returned within days We are happy to send you a new size, color or style or issue a refund for the purchase price (excluding shipping and handling charges) For returns made after days, we will issue a gift card equal to the purchase price (less shipping and handling charges) that can be used toward a future purchase Please keep in mind 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 and finance charge, as explained in the Credit Card Agreement (CCA) I have enclosed copies of the billing statements which show the account activity that comprised the account balance We have spoken to Roaman’s on your behalf The Bank was provided with the receipts for your orders Roaman’s has advised that you placed two orders that were processed to the account You placed your first order on April 16, 2016, in the amount of $ The merchandise was returned on August 2016; as this was past days, a merchandise credit in the amount of $was issued to you You placed your second order on July 6, 2016, in the amount of $ You utilized a gift card in the amount of $lowering the total to $ The merchandise was returned on August 29, 2016, and a full refund in the amount of $was issued to your Roaman’s® account After researching the account, the Bank finds the balance to be valid; as such, we respectfully decline your request to remove any fees As of the date of this letter, the balance on the account is $125.44, with a minimum payment of $20.00, due by January 2, The Roaman’s® account was closed, per your request, on September 23, You are a valued customer, and we apologize for any confusion or frustration this matter has caused you Should you have any further questions regarding your accounts, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Amanda R [redacted] Consumer Relations Specialist CC: Revdex.com