Dear [redacted] ***, Thank you for passing along [redacted] communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] returned merchandise for an exchange. She states she did not receive an exchange for the items but still got charged and is... being charged $23.29 plus a late fee. Ms. [redacted] is requesting to have the charge and late fee removed. Our records indicate Ms. [redacted] contacted our contact center on 2/20/17 regarding her exchange. She was advised the merchandise she returned for an exchange was received on 12/09/16 and a refund in the amount of $31.14 was issued to her Woman Within credit card. Unfortunately, the new size she requested for an exchange was sold out. Our customers are not charged for merchandise until it is shipped; therefore, she was not charged for the exchange.FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity Bank [redacted] We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D*** FullBeauty Brands Executive CommunicationsOffice: ###-###-#### | Fax: ###-###-####
Comenity Bank previously removed this fraudulent account from my credit report only to wake up this morning to find it on my reports again, causing my credit score to drop 50+ points! This is not my billI pay all my billsI filed a police report (REPORT NUMBER: [redacted] ), I’ve done everything requested, yet they only remove it temporarily?! Promptly delete this account from all credit reporting agencies
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Avenue credit cardWe are here to answer your questions and assist with your concernsYour correspondence indicates your concern about the delay in your payment posting, causing your account to be assessed a late fee and finance chargeYou also state that this was your first billing statement, and when you called to close your account, we refused your requestOur records indicate the Avenue account was opened on October 18, The last purchase of $was made on November 9, 2016, and a billing statement was issued on November 20, 2016, with a minimum payment of $27.00, due by December 16, When payments are not received, are received after the due date, or made for less than the minimum required, the account will be assessed a late feeAdditionally, any time a balance is carried over from one billing cycle to the next, a finance charge is assessed to the account as outlined in the Credit Card AgreementOur records indicate the last billing statement issued was on December 21, 2016, reflecting a balance of $73.14, (previous $balance, and the assessed late fee and finance charge) with a $minimum due on January 16, A payment of $posted to your account on December 27, The late fee and finance charges were credited December 28, As the date of this letter your account balance is $Comenity Bank strives to provide each of our customers with an excellent customer service experience, and it is never the Bank's intention to treat our customers in a less-than-satisfactory mannerYour opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concernsBased upon your complaint, the Bank reviewed the applicable phone conversationPlease be assured that calls of this type are reviewed with management so that additional training and or coaching can be provided to our associatesFurthermore, a review of your account shows it was closed per your request through our automated system on December 28, We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpfulShould you have any additional questions or concerns, please contact me directly at ###-###-####Sincerely, Shelley A [redacted]
Dear [redacted] ***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues TigerDirect credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that after opening the above-referenced account, you purchased insurance on the account, and that if something happens that you could not make your payments then the insurance could provide coverage You also indicate in March you lost your income At that time you placed a call requesting to use the insurance coverage, and you state you were told that there was nothing that could be done regarding this matter You are requesting that the insurance coverage is honored I am happy to share my findings with you I attempted to find the call in question regarding the conversation regarding the insurance, unfortunately there were no calls in our system regarding this conversation After a thorough review of the account, our records indicate that the above-referenced account was enrolled in Account Assure on September 21, 2014, and was cancelled on June 22, We reached out to ***, the program administrator of Account Assure regarding this matter and we were assured that you were covered for this period of time Additionally, we were assured that they have not received any calls regarding this matter Please contact [redacted] at ###-###-#### directly to determine if you are eligible for a benefit We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding your account, please contact [redacted] at the telephone number provided They will be happy to assist you Sincerely, Renee S [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues POTTERY BARN credit card accounts, and we respond to account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that the POTTERY BARN account is inaccurately reporting on your credit report and you are requesting that the account be removed from your credit report You would like a settlement of $2,for compensation I apologize for any inconvenience this matter may have caused you Please be advised that the account has been purged from our records Comenity Bank reports the same information to each of the national credit-reporting agenciesHowever, a review of the information being reported in regard to the account did indicate that a credit-reporting agency is still reporting the account as open Please be assured that notification has been sent to the national credit-reporting agencies with the changes that need to be made Please allow up to days for their records to be updated Comenity Bank respectfully declines your request for compensation We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Boston Store credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse dated December 12, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Nicole FCompliance Dept– Consumer Responses
May 5, [redacted] Dear [redacted] ***: We have received the inquiry you sent to the Revdex.com (Revdex.com) regarding the above-noted accountYour correspondence was forwarded to Comenity BankComenity Bank issues the [redacted] Store credit card accounts, and we are here to help answer credit-related questionsI appreciate the opportunity to assist you with your concerns We understand from your complaint to the Revdex.com that you received three billing statements with late feesYou further state that you disputed this charge and in good faith tried to resolve the issue with Comenity BankLastly, you had spoken to a person that helped you bringing your account to a zero balance; however, started receiving additional statements with late fees We apologize for the inconvenience this may have caused you and would like to take this time to explain our findings In December 2015, we sent a billing statement to the above address indicating a balance of $with a minimum payment of $due by January 11, On January 11, 2016, account records show you called in to Customer Service to make a payment by phone in the amount of $When listening to the call we found the checking account number supplied to us by you was “ [redacted] ”On January 14, 2016, Comenity Bank received word from your banking institution advising the payment was returned as “Insufficient Funds by bank”When a payment is returned the funds are debited back to your account and a returned check fee of $may be assessedIn February it was later determined the checking account number was incorrect At that time, our associate removed the late fee of $and the $from your account leaving a balance of $due to the returned check feeAs a result of the returned check fee not being removed additional statements for March and April were issued, causing an additional late fee and finance charge; bringing your [redacted] Store account balance to $ After a thorough investigation and in the interest of customer service, Comenity Bank is no longer holding you responsible for the remaining balanceAs of the date of this letter, your new balance is zero and your account was closed per your request on April 28, In addition, we have notified the national credit-reporting bureaus to remove all delinquencies from your credit report in regard to your [redacted] Store account I hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext [redacted] (TDD/TTY: Comenity Bank ###-###-####)I will be happy to assist you Sincerely, Jack C [redacted] Jack C [redacted] Consumer Relations Specialist cc: Revdex.com
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues the roomplace® credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you were charged and billed for merchandise purchased from the roomplace; however, you returned the merchandise because it was damaged and broken when you received it When you spoke to the roomplace you were advised that the situation was taken care of; however, you state the account is still on your credit report You would like this removed from your credit report We apologize for any inconvenience this matter may have caused you After a thorough search in our records, we were unable to locate the roomplace account in your name Additionally, we find that we are not reporting any information concerning the roomplace account on your credit report Please note 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, merchandise processing, returns, and delivery We suggest you contact the roomplace store in which you originally made the purchase for additional details We hope you find this information helpful If you have any other questions or concerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H***
The Comenity Bank insisted they had mailed the first statement and the credit card which they did notThe Comenity Bank had very bad rating on the search recordThe employee at the Comenity Bank are telling different answers if you call for instruction and they are on purpose cheating their customers
We have received the complaint that you sent to the Revdex.com regarding the above-noted account Comenity Bank issues ASHLEY STEWART® 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 you have not charged anything on the above-referenced account since December 2015, and on March 18, 2016, you called to pay the bill completely off You listened to the automated system to get the total balance, and the automated system said that it was $194.55, which you paid in full You received a collection call on July 6, 2016, saying you had a balance due of $96.33; however, you refused to pay because you knew that you did not charge anything new You were transferred to customer service and the representative you spoke with explained that there was $in interest and the rest was late fees The representative deducted the interest but had to send an email to her supervisor to remove the late fees, which may or may not appear on the next statement You further state that although you asked the representative to remove the negative mark on your credit report, because this was not your fault, she was not able to confirm that it would be removed You are requesting to have your credit restored, the negative mark on your credit report removed, and all late fees removed We sincerely apologize for any frustration or inconvenience this matter may have caused you Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account may be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card Agreement On February 15, 2016, a billing statement was issued reflecting a balance of $194.55, and a minimum payment due of $by March 12, On March 18, 2016, you made a payment over the telephone using the Bank’s automated service, in the amount of $ Because the payment was received after your due date, a late fee and a finance charge were assessed to the account Statements continued to be issued monthly; however, as no additional payments were received, late fees and finance charges continued to be assessed When an account is delinquent, we will make attempts to contact the customer regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status On July 6, 2016, a representative from the Bank’s Payment Solutions team attempted to contact you by telephone regarding your account A voicemail message was left on this date requesting that you contact the Bank On July 7, 2016, you contacted the Bank by telephone and spoke with a representative from our Payment Solution’s team who transferred you to our Customer Care team for assistance When you spoke with the representative from the Bank’s Customer Care team, the representative stated that the account was in the process of billing when you made your payment over the telephone on March 18, Since the payment was not made by March 12, 2016, when the account billed on March 17, 2016, a late fee and a finance charge were assessed This information had not yet updated when you called on March, 18, 2016, as the account was in the process of billing; and as such, the account was not accurately reflecting the full balance owed, including the fees The representative also stated that she would credit the finance charges assessed to the account, and that she would contact her supervisor to have the late fees removed The representative also stated that she requested to have the negative payment information removed; however, she had not heard back about it She advised that because the late payment was valid, it may not be removed from your credit bureau report, and if not, you could submit a dispute Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we are disappointed that you feel this standard was not met In the interest of customer service, the Bank issued credits to the account totaling $to remove the remaining late fees and finance charges These credits posted to the account on July 22, 2016, and brought the account to a zero balance Notification was sent to the national credit-reporting agencies with instructions to remove the delinquency from July 2016, regarding the ASHLEY STEWART® account, from your credit bureau report We can confirm that this information has been updated with the credit-reporting agencies The above-referenced account was closed, per your request, on July 7, Although your account has been closed, we hope that you will continue to shop with Ashley Stewart If you are interested in a new Ashley Stewart account, you are welcome to reapply We hope you find this information helpful If you have any questions or need additional assistance, please do not hesitate to contact me directly at 1-800-675-5685, ext [redacted] (TDD/TTY 1-800-695-1788) I will be happy to assist you Sincerely, Laura R [redacted] Consumer Relations Specialist CC: Revdex.com
We received your complaint, regarding the above-referenced account Comenity Bank issues Bealls credit cards, 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 We understand from your complaint that you are requesting all collections notifications be directed by mail and not by phone Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful Please be advised that we have updated the phone numbers ending in [redacted] so no further collection calls are made to this number Bank records indicate your Bealls credit card account is two billing periods past due Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors We support and participate in the programs provided by CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-#### I hope the information I provided is helpful Should you have any further questions or concerns about the accounts, please contact me at ###-###-#### I would be happy to assist you Sincerely, Kristina W
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the David’s Bridal credit cardWe are here to answer your questions andassist with your concerns.We received you correspondence, addressed to the Revdex.comYou state that you were givenincorrect information regarding the balance on your account during a callYou indicate that you startedreceiving calls from the Bank regarding payments owed on the account several months laterDuring thecall, you advised the representative that you did not receive any statements and thought the account waspaid in fullThe representative advised that your statements were returned to the Bank due to “unable todeliver”Due to this matter, the representative advised you that she would credit the account in the amountof $for the fees assessed to the account, and you would have to pay the last late feeYou state thatyou do not owe the other fees on the account due to the incorrect information received from the Bank.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.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.After a thorough review of the account, our records indicate that during the call placed to the Bank on March23, 2016, you were advised that credits of $were applied to the account due to the return mail onthe accountDuring this conversation, the representative advised you that after the credits the balancewould be $At that time you made a payment of $56.00, and the representative advised you theremaining balance would be $35.01, which would have to reach the Bank by May 3, As the Bank didnot receive a payment until July 18, 2016, in the amount of $35.00, additional late fees and finance chargeswere assessed to the account.In regard to the non-receipt of the statements, please be assured that the statements are being issued tothe email address on file: [redacted] , as verified during the conversation on March 23, 2016.The Bank has not received any indication of the statements being undeliverable.On February 15, 2017, the account was closed, written off with a balance of $340.24, and reported to thenational credit-reporting agencies as an unpaid debt.As your account was issued a credit for Bank fees previously, please understand that we are unwilling tocredit your account any additional late fees or finance charges at this timeWe encourage you to contactour Recovery team at ###-###-####, to discuss suitable payment arrangements.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free tocontact our Payment Solutions Team.Sincerely,Renee S***
Dear [redacted] ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues chadwicksTM credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you became involuntarily unemployed in July of 2014.You then contacted Assure Credit to obtain assistance since you had a loss of incomeYoustate you filled out the necessary paper work and submitted it to the credit protection programfor the accountYou then had to move and had trouble receiving your mail and had to changeyour address with every creditor because your mail was not forwardedYou were able to findwork in August of and have since paid your balance in fullYou would like the reporting ofand day delinquencies to be removed from your credit report as Account Assure was notwilling to assist you.Please be assured, as of May 18, 2015, notification has been sent to the national creditreportingagencies with instructions to remove the negative payment information, regarding thechadWicksTM account, from your credit reportPlease allow the credit-reporting agencies 45days to update their records.Additionally, the chadwicksTM account has a credit balance of $Account Assure hasissued credit totaling $322.64, since your claim has been approved, and the Bank has issuedcredit totaling $to remove a late fee on the accountPlease see the attached letter fromAccount Assure for your recordsA refund check for $was issued May 23, 2015, andyou should receive the refund check within days, under separate cover.You are valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-#### ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you[redacted] Consumer Relations Specialist
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account Comenity Bank issues the POTTERY BARN credit card accounts We are here to answer your questions and assist with your concerns We understand your concerns as explained in your correspondence You state that your balance is incorrect; as there was a $purchase applied to your account on September 27, 2016, and October 6, 2016, for the same merchandise Furthermore, you state a provisional credit of $was applied to the account, but later reversed In addition, your $reward certificate was never credited towards your purchase You are requesting the account be credited Our records indicate the Bank previously received a dispute regarding the same concerns referenced in this correspondence Please be advised that we previously responded to you on November 29, We have enclosed a copy of our previous response for your records According to Pottery Barn, the purchases for $58.51, are for two different orders Enclosed is a copy of the details for each order, which includes the order number, merchandise description, and transaction amount The provisional credit of $was applied while we investigated your original dispute Since the two charges were found to be valid, the provisional credit was reversedPlease keep in mind Comenity Bank and Pottery Barn are two separate entities The Bank is responsible for addressing questions related to the credit card account, while Pottery Barn is responsible for handling matters related to sales, merchandise processing, returns, and shippingPlease be advised a credit of $was applied to your account on November 11, If your reward certificate was not applied to your purchase; or if you have additional questions or concerns regarding the orders, please contact Pottery Barn Catalog directly at ###-###-#### They will be happy to assist youWe value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Tionna M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] We received the complaint that you sent to the Revdex.com, regarding the above-noted account Comenity Bank issues TALBOTS credit card accounts, and we are here to help with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You stated that you were charged a late fee, even though you made a payment online before midnight You were told to contact the bank if a late fee was applied You request an adjustment and a correction on your credit report, as you are disputing the $late fee Also, you would like to know why the billing is not created to allow a hour window for online payments Bank records indicate the TALBOTS account was opened on August 26, 2016; use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Our records indicate that the payment due date on your TALBOTS account is the 19th of every month There is no grace period Late fees are assessed to the account if payment is not received, received for less than the minimum due required, or received after the payment due date cute off time, as explained in the CCA Your payment of $posted to the account on October 20, Since the payment was received after the due date, a late fee of $was assessed to the account In the interest of customer service, on November 1, 2016, we issued credit for the $late feeAs of the date of this letter, the account balance is zeroIn addition, to provide the best customer service possible, we offer multiple ways to make a payment Please choose a payment method that's right for youIn-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 day Check the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted before 8:p.mEastern Time (ET) can be credited to your account same-day Online payments submitted after 8:p.mET will be credited the following 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 TALBOTS account Mail: Send your payment and payment coupon in the envelope that came with your billing statement We recommend allowing a week for the payment to arrive If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representative A fee may apply to same-day, expedited payments made with the representative Please be assured that Comenity Bank has not reported negative payment information to the national credit-reporting agencies, regarding your TALBOTS account We hope you find this information helpful Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you
Dear Ms***We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint that you are being charged for the Account Assure Program, and you did not agree to the charges You are requesting that all Account Assure Program charges assessed to the avenue® account be credited back I will be happy to share my findings with you.After a thorough review of the above-referenced account, our records indicate that the account was opened on July 24, 2010, in the name of [redacted] *** On September 20, 2010, the avenue® account was enrolled in the Account Assure Program via the web Account Assure is a debt cancellation program with a monthly fee of $per $of your monthly statement balance On March 11, 2016, the Account Assure Program was cancelled Please be assured that a credit of $was issued to the account for all of the Account Assure Program charges assessed to the account Additionally, after calculating the finance charges assessed on this amount, the Bank credited an additional $in finance charges.We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Renee S***
Dear [redacted] We received your complaint, submitted to the Revdex.comComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist youYour complaint states that Comenity Bank calls you weekly on your cell phone and leaves threatening voice mails, which indicate that you will go to jail if payment is not made using your debit card for the balance on the Victoria’s Secret/PINK credit card accountYou have stated that the Bank is to never call your cell phone again or leave a voice mailPlease be assured that Comenity Bank complies with all local, state, and federal lawsAfter researching our records, using the information you provided, we were unable to locate a Victoria’s Secret/PINK credit card account in your nameIn order for the Bank to comply with your request, we need additional informationPlease provide is with the following: • Full name as listed on the account • Complete address as listed on the account • The telephone number as listed on the account • Social Security number This information can be provided by calling me directly at the number listed below, by mailing to the address listed above, or by writing back to the Revdex.comWe apologize for any inconvenience this matter has caused you, and we hope this information is helpfulShould you have any further questions, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, [redacted] *** Consumer Relations Specialist
Dear [redacted] ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountAs the bank that issues your Victoria’s Secret/PINK credit card, we are here to help answer all account-related questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you.Your complaint states that you returned two items to Victoria’s Secret in April/May 2015, in the amount of $75.29, and you have not received credit to your accountYou also state that you contacted Victoria’s Secret regarding the credit and you were advised that the refund was issued in March, which was prior to the purchaseYou have also stated that you were sent gift cards and have called every two weeks since May 1, and still no refundYou are requesting a credit of the merchandise to your account and you would like an extra gift card for the months of hassle to resolve this situation.Please be assured that after researching the Bank’s records and speaking with Victoria’s Secret, here is what we confirmedThe original purchase was made on March 28, 2015; however, both swimwear items were on backorderThe bathing suit top was processed on March 29, 2018, and shipped to you on March 30, At this time, your Victoria’s Secret/PINK credit account was charged $On March 30, 2015, the bathing suit bottom was processed, and shipped to you on March 31, At this time, your Victoria’s Secret/PINK credit account was charged $Both charges reflected on the April billing statement that was issued to you by Comenity Bank.On July 17, 2015, you contacted Victoria’s Secret stating that you had returned both items and did not receive creditAlthough Victoria’s Secret showed no items being returned, you were issued a manual refundBecause the items were considered returned beyond days of the purchase, you were advised that you would be issued merchandise credits in the amounts of $and $13.69.On August and August 26, 2015, you contacted Victoria’s Secret stating that you did not receive the merchandise certificatesTherefore, new certificates were requested to be sent to youThe $was issued on August 27, 2015; however, the $was still pending in their system.In order to resolve this situation, Victoria’s Secret has voided both certificates and issued credits to your Victoria’s Secret/PINK account for $and $These credits will post to your credit card account within 3-business days.Please note that Victoria’s Secret was not able to redact the mailed certificate for $issued on August 27, 2015; however, the gift card has been voidedTherefore, please discard when received, as it no longer has any value.Comenity Bank and Victoria’s Secret respectfully decline your request for additional compensationIf you have further questions about the orders, returns, or credits, we encourage you to contact Victoria’s Secret directly at ###-###-####.You are a valued customer and we apologize for any confusion or inconvenience you have experienced as a result of this situationIf you have further questions about the account, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y [redacted]
Dear Mr [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced application Comenity Bank issues EXPRESS credit card accounts, and we are here to help with your account-related questions I appreciate this opportunity to assist youWe understand from your complaint that you received a letter from the Bank regarding a recent application You state you contacted the Bank using the phone number provided on the letter You were asked several questions regarding your personal information; however, you are not willing to provide more than your full name and address You state the customer service representatives were rude and aggressive and you received no resolution on this callWe apologize for any frustration this matter has caused youWe apologize if you felt that you did not receive the best customer service 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 be advised when a suspicious application is received, the Bank will send a letter asking the named applicant to callPlease understand that when processing the application, the Bank had concerns; therefore, the application was suspended, and a letter was sent to youWhen contacting the Bank we will ask for personal information in order to assist with the matter Please be assured the Bank has stopped the application, and deemed it a fraudulent application We have submitted a request to the credit-reporting agencies to remove the credit inquiry that resulted from the applicationIf you believe you have been a victim of fraud, we encourage you to contact the credit-reporting agencies and place a fraud alert on your credit fileThe alert will notify potential creditors that you have been a victim of fraud, and you will be contacted before an application is approvedYou may contact any one of the agencies listed below and they will notify the other two, so your alert will be reflected with all agenciesExperian (TRW) TransUnion (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 hope this information is helpful Should you have any further questions or concerns, please contact the Account Protection department at ###-###-#### (TDD/TTY ###-###-####) They would be happy to assist youSincerely, KaiM [redacted]
Dear [redacted] ***, Thank you for passing along [redacted] communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] returned merchandise for an exchange. She states she did not receive an exchange for the items but still got charged and is... being charged $23.29 plus a late fee. Ms. [redacted] is requesting to have the charge and late fee removed. Our records indicate Ms. [redacted] contacted our contact center on 2/20/17 regarding her exchange. She was advised the merchandise she returned for an exchange was received on 12/09/16 and a refund in the amount of $31.14 was issued to her Woman Within credit card. Unfortunately, the new size she requested for an exchange was sold out. Our customers are not charged for merchandise until it is shipped; therefore, she was not charged for the exchange.FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity Bank [redacted] We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D*** FullBeauty Brands Executive CommunicationsOffice: ###-###-#### | Fax: ###-###-####
Comenity Bank previously removed this fraudulent account from my credit report only to wake up this morning to find it on my reports again, causing my credit score to drop 50+ points! This is not my billI pay all my billsI filed a police report (REPORT NUMBER: [redacted] ), I’ve done everything requested, yet they only remove it temporarily?! Promptly delete this account from all credit reporting agencies
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Avenue credit cardWe are here to answer your questions and assist with your concernsYour correspondence indicates your concern about the delay in your payment posting, causing your account to be assessed a late fee and finance chargeYou also state that this was your first billing statement, and when you called to close your account, we refused your requestOur records indicate the Avenue account was opened on October 18, The last purchase of $was made on November 9, 2016, and a billing statement was issued on November 20, 2016, with a minimum payment of $27.00, due by December 16, When payments are not received, are received after the due date, or made for less than the minimum required, the account will be assessed a late feeAdditionally, any time a balance is carried over from one billing cycle to the next, a finance charge is assessed to the account as outlined in the Credit Card AgreementOur records indicate the last billing statement issued was on December 21, 2016, reflecting a balance of $73.14, (previous $balance, and the assessed late fee and finance charge) with a $minimum due on January 16, A payment of $posted to your account on December 27, The late fee and finance charges were credited December 28, As the date of this letter your account balance is $Comenity Bank strives to provide each of our customers with an excellent customer service experience, and it is never the Bank's intention to treat our customers in a less-than-satisfactory mannerYour opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concernsBased upon your complaint, the Bank reviewed the applicable phone conversationPlease be assured that calls of this type are reviewed with management so that additional training and or coaching can be provided to our associatesFurthermore, a review of your account shows it was closed per your request through our automated system on December 28, We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpfulShould you have any additional questions or concerns, please contact me directly at ###-###-####Sincerely, Shelley A [redacted]
Dear [redacted] ***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues TigerDirect credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that after opening the above-referenced account, you purchased insurance on the account, and that if something happens that you could not make your payments then the insurance could provide coverage You also indicate in March you lost your income At that time you placed a call requesting to use the insurance coverage, and you state you were told that there was nothing that could be done regarding this matter You are requesting that the insurance coverage is honored I am happy to share my findings with you I attempted to find the call in question regarding the conversation regarding the insurance, unfortunately there were no calls in our system regarding this conversation After a thorough review of the account, our records indicate that the above-referenced account was enrolled in Account Assure on September 21, 2014, and was cancelled on June 22, We reached out to ***, the program administrator of Account Assure regarding this matter and we were assured that you were covered for this period of time Additionally, we were assured that they have not received any calls regarding this matter Please contact [redacted] at ###-###-#### directly to determine if you are eligible for a benefit We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding your account, please contact [redacted] at the telephone number provided They will be happy to assist you Sincerely, Renee S [redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues POTTERY BARN credit card accounts, and we respond to account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that the POTTERY BARN account is inaccurately reporting on your credit report and you are requesting that the account be removed from your credit report You would like a settlement of $2,for compensation I apologize for any inconvenience this matter may have caused you Please be advised that the account has been purged from our records Comenity Bank reports the same information to each of the national credit-reporting agenciesHowever, a review of the information being reported in regard to the account did indicate that a credit-reporting agency is still reporting the account as open Please be assured that notification has been sent to the national credit-reporting agencies with the changes that need to be made Please allow up to days for their records to be updated Comenity Bank respectfully declines your request for compensation We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H***
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Boston Store credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse dated December 12, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Nicole F
Compliance Dept– Consumer Responses
May 5, [redacted] Dear [redacted] ***: We have received the inquiry you sent to the Revdex.com (Revdex.com) regarding the above-noted accountYour correspondence was forwarded to Comenity BankComenity Bank issues the [redacted] Store credit card accounts, and we are here to help answer credit-related questionsI appreciate the opportunity to assist you with your concerns We understand from your complaint to the Revdex.com that you received three billing statements with late feesYou further state that you disputed this charge and in good faith tried to resolve the issue with Comenity BankLastly, you had spoken to a person that helped you bringing your account to a zero balance; however, started receiving additional statements with late fees We apologize for the inconvenience this may have caused you and would like to take this time to explain our findings In December 2015, we sent a billing statement to the above address indicating a balance of $with a minimum payment of $due by January 11, On January 11, 2016, account records show you called in to Customer Service to make a payment by phone in the amount of $When listening to the call we found the checking account number supplied to us by you was “ [redacted] ”On January 14, 2016, Comenity Bank received word from your banking institution advising the payment was returned as “Insufficient Funds by bank”When a payment is returned the funds are debited back to your account and a returned check fee of $may be assessedIn February it was later determined the checking account number was incorrect At that time, our associate removed the late fee of $and the $from your account leaving a balance of $due to the returned check feeAs a result of the returned check fee not being removed additional statements for March and April were issued, causing an additional late fee and finance charge; bringing your [redacted] Store account balance to $ After a thorough investigation and in the interest of customer service, Comenity Bank is no longer holding you responsible for the remaining balanceAs of the date of this letter, your new balance is zero and your account was closed per your request on April 28, In addition, we have notified the national credit-reporting bureaus to remove all delinquencies from your credit report in regard to your [redacted] Store account I hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext [redacted] (TDD/TTY: Comenity Bank ###-###-####)I will be happy to assist you Sincerely, Jack C [redacted] Jack C [redacted] Consumer Relations Specialist cc: Revdex.com
Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the credit card account referenced above Comenity Bank issues the roomplace® credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you were charged and billed for merchandise purchased from the roomplace; however, you returned the merchandise because it was damaged and broken when you received it When you spoke to the roomplace you were advised that the situation was taken care of; however, you state the account is still on your credit report You would like this removed from your credit report We apologize for any inconvenience this matter may have caused you After a thorough search in our records, we were unable to locate the roomplace account in your name Additionally, we find that we are not reporting any information concerning the roomplace account on your credit report Please note 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, merchandise processing, returns, and delivery We suggest you contact the roomplace store in which you originally made the purchase for additional details We hope you find this information helpful If you have any other questions or concerns, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H***
The Comenity Bank insisted they had mailed the first statement and the credit card which they did notThe Comenity Bank had very bad rating on the search recordThe employee at the Comenity Bank are telling different answers if you call for instruction and they are on purpose cheating their customers
We have received the complaint that you sent to the Revdex.com regarding the above-noted account Comenity Bank issues ASHLEY STEWART® 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 you have not charged anything on the above-referenced account since December 2015, and on March 18, 2016, you called to pay the bill completely off You listened to the automated system to get the total balance, and the automated system said that it was $194.55, which you paid in full You received a collection call on July 6, 2016, saying you had a balance due of $96.33; however, you refused to pay because you knew that you did not charge anything new You were transferred to customer service and the representative you spoke with explained that there was $in interest and the rest was late fees The representative deducted the interest but had to send an email to her supervisor to remove the late fees, which may or may not appear on the next statement You further state that although you asked the representative to remove the negative mark on your credit report, because this was not your fault, she was not able to confirm that it would be removed You are requesting to have your credit restored, the negative mark on your credit report removed, and all late fees removed We sincerely apologize for any frustration or inconvenience this matter may have caused you Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account may be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card Agreement On February 15, 2016, a billing statement was issued reflecting a balance of $194.55, and a minimum payment due of $by March 12, On March 18, 2016, you made a payment over the telephone using the Bank’s automated service, in the amount of $ Because the payment was received after your due date, a late fee and a finance charge were assessed to the account Statements continued to be issued monthly; however, as no additional payments were received, late fees and finance charges continued to be assessed When an account is delinquent, we will make attempts to contact the customer regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status On July 6, 2016, a representative from the Bank’s Payment Solutions team attempted to contact you by telephone regarding your account A voicemail message was left on this date requesting that you contact the Bank On July 7, 2016, you contacted the Bank by telephone and spoke with a representative from our Payment Solution’s team who transferred you to our Customer Care team for assistance When you spoke with the representative from the Bank’s Customer Care team, the representative stated that the account was in the process of billing when you made your payment over the telephone on March 18, Since the payment was not made by March 12, 2016, when the account billed on March 17, 2016, a late fee and a finance charge were assessed This information had not yet updated when you called on March, 18, 2016, as the account was in the process of billing; and as such, the account was not accurately reflecting the full balance owed, including the fees The representative also stated that she would credit the finance charges assessed to the account, and that she would contact her supervisor to have the late fees removed The representative also stated that she requested to have the negative payment information removed; however, she had not heard back about it She advised that because the late payment was valid, it may not be removed from your credit bureau report, and if not, you could submit a dispute Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Comenity Bank strives to provide each of our customers with an excellent customer service experience, and we are disappointed that you feel this standard was not met In the interest of customer service, the Bank issued credits to the account totaling $to remove the remaining late fees and finance charges These credits posted to the account on July 22, 2016, and brought the account to a zero balance Notification was sent to the national credit-reporting agencies with instructions to remove the delinquency from July 2016, regarding the ASHLEY STEWART® account, from your credit bureau report We can confirm that this information has been updated with the credit-reporting agencies The above-referenced account was closed, per your request, on July 7, Although your account has been closed, we hope that you will continue to shop with Ashley Stewart If you are interested in a new Ashley Stewart account, you are welcome to reapply We hope you find this information helpful If you have any questions or need additional assistance, please do not hesitate to contact me directly at 1-800-675-5685, ext [redacted] (TDD/TTY 1-800-695-1788) I will be happy to assist you Sincerely, Laura R [redacted] Consumer Relations Specialist CC: Revdex.com
We received your complaint, regarding the above-referenced account Comenity Bank issues Bealls credit cards, 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 We understand from your complaint that you are requesting all collections notifications be directed by mail and not by phone Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Bank may call you until our attempts to communicate are successful Please be advised that we have updated the phone numbers ending in [redacted] so no further collection calls are made to this number Bank records indicate your Bealls credit card account is two billing periods past due Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors We support and participate in the programs provided by CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-#### I hope the information I provided is helpful Should you have any further questions or concerns about the accounts, please contact me at ###-###-#### I would be happy to assist you Sincerely, Kristina W
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the David’s Bridal credit cardWe are here to answer your questions andassist with your concerns.We received you correspondence, addressed to the Revdex.comYou state that you were givenincorrect information regarding the balance on your account during a callYou indicate that you startedreceiving calls from the Bank regarding payments owed on the account several months laterDuring thecall, you advised the representative that you did not receive any statements and thought the account waspaid in fullThe representative advised that your statements were returned to the Bank due to “unable todeliver”Due to this matter, the representative advised you that she would credit the account in the amountof $for the fees assessed to the account, and you would have to pay the last late feeYou state thatyou do not owe the other fees on the account due to the incorrect information received from the Bank.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.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.After a thorough review of the account, our records indicate that during the call placed to the Bank on March23, 2016, you were advised that credits of $were applied to the account due to the return mail onthe accountDuring this conversation, the representative advised you that after the credits the balancewould be $At that time you made a payment of $56.00, and the representative advised you theremaining balance would be $35.01, which would have to reach the Bank by May 3, As the Bank didnot receive a payment until July 18, 2016, in the amount of $35.00, additional late fees and finance chargeswere assessed to the account.In regard to the non-receipt of the statements, please be assured that the statements are being issued tothe email address on file: [redacted] , as verified during the conversation on March 23, 2016.The Bank has not received any indication of the statements being undeliverable.On February 15, 2017, the account was closed, written off with a balance of $340.24, and reported to thenational credit-reporting agencies as an unpaid debt.As your account was issued a credit for Bank fees previously, please understand that we are unwilling tocredit your account any additional late fees or finance charges at this timeWe encourage you to contactour Recovery team at ###-###-####, to discuss suitable payment arrangements.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free tocontact our Payment Solutions Team.Sincerely,Renee S***
Dear [redacted] ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues chadwicksTM credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you became involuntarily unemployed in July of 2014.You then contacted Assure Credit to obtain assistance since you had a loss of incomeYoustate you filled out the necessary paper work and submitted it to the credit protection programfor the accountYou then had to move and had trouble receiving your mail and had to changeyour address with every creditor because your mail was not forwardedYou were able to findwork in August of and have since paid your balance in fullYou would like the reporting ofand day delinquencies to be removed from your credit report as Account Assure was notwilling to assist you.Please be assured, as of May 18, 2015, notification has been sent to the national creditreportingagencies with instructions to remove the negative payment information, regarding thechadWicksTM account, from your credit reportPlease allow the credit-reporting agencies 45days to update their records.Additionally, the chadwicksTM account has a credit balance of $Account Assure hasissued credit totaling $322.64, since your claim has been approved, and the Bank has issuedcredit totaling $to remove a late fee on the accountPlease see the attached letter fromAccount Assure for your recordsA refund check for $was issued May 23, 2015, andyou should receive the refund check within days, under separate cover.You are valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-#### ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you[redacted] Consumer Relations Specialist
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account Comenity Bank issues the POTTERY BARN credit card accounts We are here to answer your questions and assist with your concerns We understand your concerns as explained in your correspondence You state that your balance is incorrect; as there was a $purchase applied to your account on September 27, 2016, and October 6, 2016, for the same merchandise Furthermore, you state a provisional credit of $was applied to the account, but later reversed In addition, your $reward certificate was never credited towards your purchase You are requesting the account be credited Our records indicate the Bank previously received a dispute regarding the same concerns referenced in this correspondence Please be advised that we previously responded to you on November 29, We have enclosed a copy of our previous response for your records According to Pottery Barn, the purchases for $58.51, are for two different orders Enclosed is a copy of the details for each order, which includes the order number, merchandise description, and transaction amount The provisional credit of $was applied while we investigated your original dispute Since the two charges were found to be valid, the provisional credit was reversedPlease keep in mind Comenity Bank and Pottery Barn are two separate entities The Bank is responsible for addressing questions related to the credit card account, while Pottery Barn is responsible for handling matters related to sales, merchandise processing, returns, and shippingPlease be advised a credit of $was applied to your account on November 11, If your reward certificate was not applied to your purchase; or if you have additional questions or concerns regarding the orders, please contact Pottery Barn Catalog directly at ###-###-#### They will be happy to assist youWe value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Tionna M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com
Dear [redacted] We received the complaint that you sent to the Revdex.com, regarding the above-noted account Comenity Bank issues TALBOTS credit card accounts, and we are here to help with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You stated that you were charged a late fee, even though you made a payment online before midnight You were told to contact the bank if a late fee was applied You request an adjustment and a correction on your credit report, as you are disputing the $late fee Also, you would like to know why the billing is not created to allow a hour window for online payments Bank records indicate the TALBOTS account was opened on August 26, 2016; use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Our records indicate that the payment due date on your TALBOTS account is the 19th of every month There is no grace period Late fees are assessed to the account if payment is not received, received for less than the minimum due required, or received after the payment due date cute off time, as explained in the CCA Your payment of $posted to the account on October 20, Since the payment was received after the due date, a late fee of $was assessed to the account In the interest of customer service, on November 1, 2016, we issued credit for the $late feeAs of the date of this letter, the account balance is zeroIn addition, to provide the best customer service possible, we offer multiple ways to make a payment Please choose a payment method that's right for youIn-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 day Check the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted before 8:p.mEastern Time (ET) can be credited to your account same-day Online payments submitted after 8:p.mET will be credited the following 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 TALBOTS account Mail: Send your payment and payment coupon in the envelope that came with your billing statement We recommend allowing a week for the payment to arrive If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representative A fee may apply to same-day, expedited payments made with the representative Please be assured that Comenity Bank has not reported negative payment information to the national credit-reporting agencies, regarding your TALBOTS account We hope you find this information helpful Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you
Dear Ms***We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues avenue® credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from the complaint that you are being charged for the Account Assure Program, and you did not agree to the charges You are requesting that all Account Assure Program charges assessed to the avenue® account be credited back I will be happy to share my findings with you.After a thorough review of the above-referenced account, our records indicate that the account was opened on July 24, 2010, in the name of [redacted] *** On September 20, 2010, the avenue® account was enrolled in the Account Assure Program via the web Account Assure is a debt cancellation program with a monthly fee of $per $of your monthly statement balance On March 11, 2016, the Account Assure Program was cancelled Please be assured that a credit of $was issued to the account for all of the Account Assure Program charges assessed to the account Additionally, after calculating the finance charges assessed on this amount, the Bank credited an additional $in finance charges.We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Renee S***
Dear [redacted] We received your complaint, submitted to the Revdex.comComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist youYour complaint states that Comenity Bank calls you weekly on your cell phone and leaves threatening voice mails, which indicate that you will go to jail if payment is not made using your debit card for the balance on the Victoria’s Secret/PINK credit card accountYou have stated that the Bank is to never call your cell phone again or leave a voice mailPlease be assured that Comenity Bank complies with all local, state, and federal lawsAfter researching our records, using the information you provided, we were unable to locate a Victoria’s Secret/PINK credit card account in your nameIn order for the Bank to comply with your request, we need additional informationPlease provide is with the following: • Full name as listed on the account • Complete address as listed on the account • The telephone number as listed on the account • Social Security number This information can be provided by calling me directly at the number listed below, by mailing to the address listed above, or by writing back to the Revdex.comWe apologize for any inconvenience this matter has caused you, and we hope this information is helpfulShould you have any further questions, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, [redacted] *** Consumer Relations Specialist
Dear [redacted] ***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountAs the bank that issues your Victoria’s Secret/PINK credit card, we are here to help answer all account-related questionsYour complaint was forwarded to my attention for review, and I appreciate the opportunity to assist you.Your complaint states that you returned two items to Victoria’s Secret in April/May 2015, in the amount of $75.29, and you have not received credit to your accountYou also state that you contacted Victoria’s Secret regarding the credit and you were advised that the refund was issued in March, which was prior to the purchaseYou have also stated that you were sent gift cards and have called every two weeks since May 1, and still no refundYou are requesting a credit of the merchandise to your account and you would like an extra gift card for the months of hassle to resolve this situation.Please be assured that after researching the Bank’s records and speaking with Victoria’s Secret, here is what we confirmedThe original purchase was made on March 28, 2015; however, both swimwear items were on backorderThe bathing suit top was processed on March 29, 2018, and shipped to you on March 30, At this time, your Victoria’s Secret/PINK credit account was charged $On March 30, 2015, the bathing suit bottom was processed, and shipped to you on March 31, At this time, your Victoria’s Secret/PINK credit account was charged $Both charges reflected on the April billing statement that was issued to you by Comenity Bank.On July 17, 2015, you contacted Victoria’s Secret stating that you had returned both items and did not receive creditAlthough Victoria’s Secret showed no items being returned, you were issued a manual refundBecause the items were considered returned beyond days of the purchase, you were advised that you would be issued merchandise credits in the amounts of $and $13.69.On August and August 26, 2015, you contacted Victoria’s Secret stating that you did not receive the merchandise certificatesTherefore, new certificates were requested to be sent to youThe $was issued on August 27, 2015; however, the $was still pending in their system.In order to resolve this situation, Victoria’s Secret has voided both certificates and issued credits to your Victoria’s Secret/PINK account for $and $These credits will post to your credit card account within 3-business days.Please note that Victoria’s Secret was not able to redact the mailed certificate for $issued on August 27, 2015; however, the gift card has been voidedTherefore, please discard when received, as it no longer has any value.Comenity Bank and Victoria’s Secret respectfully decline your request for additional compensationIf you have further questions about the orders, returns, or credits, we encourage you to contact Victoria’s Secret directly at ###-###-####.You are a valued customer and we apologize for any confusion or inconvenience you have experienced as a result of this situationIf you have further questions about the account, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y [redacted]
I am rejecting this response because I do not agree with this Regards, [redacted]
Dear Mr [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced application Comenity Bank issues EXPRESS credit card accounts, and we are here to help with your account-related questions I appreciate this opportunity to assist youWe understand from your complaint that you received a letter from the Bank regarding a recent application You state you contacted the Bank using the phone number provided on the letter You were asked several questions regarding your personal information; however, you are not willing to provide more than your full name and address You state the customer service representatives were rude and aggressive and you received no resolution on this callWe apologize for any frustration this matter has caused youWe apologize if you felt that you did not receive the best customer service 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 be advised when a suspicious application is received, the Bank will send a letter asking the named applicant to callPlease understand that when processing the application, the Bank had concerns; therefore, the application was suspended, and a letter was sent to youWhen contacting the Bank we will ask for personal information in order to assist with the matter Please be assured the Bank has stopped the application, and deemed it a fraudulent application We have submitted a request to the credit-reporting agencies to remove the credit inquiry that resulted from the applicationIf you believe you have been a victim of fraud, we encourage you to contact the credit-reporting agencies and place a fraud alert on your credit fileThe alert will notify potential creditors that you have been a victim of fraud, and you will be contacted before an application is approvedYou may contact any one of the agencies listed below and they will notify the other two, so your alert will be reflected with all agenciesExperian (TRW) TransUnion (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 hope this information is helpful Should you have any further questions or concerns, please contact the Account Protection department at ###-###-#### (TDD/TTY ###-###-####) They would be happy to assist youSincerely, KaiM [redacted]