Dear [redacted] *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the My BJ's Perks Mastercard credit cardWe are here to answer your questions and assist with your concernsIn your correspondence you state there was an unauthorized charge on your account for the renewal of your BJ’s membershipYou would like your account credited and the Bank prosecuted for charging the account without your permissionWe understand your concerns, and apologize for any frustration or inconvenience this matter may have caused youPlease note Comenity Capital Bank and BJ’s Wholesale Club are separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountBJ’s Wholesale Club is responsible for handling matters related to sales, merchandise, and any concerns pertaining to BJ’s Wholesale Club, including your BJ’s membershipPlease be advised that as an Elite card holder, you receive a $discount on your annual membership fee when you participate in automatic renewalWe contacted BJ’s Member Care on your behalf and they confirmed you signed up for automatic renewal in January Should you chose to cancel automatic renewal, please contact your nearest BJ’s Wholesale ClubI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Alyson F*
From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 3:PMTo: [email protected]: Fwd: Your online application has been approved_________________________________________From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 3:PMTo: [email protected]: Fwd: Emailing I'd 11908721.pdf
In regards to my original complaint with the Revdex.com # [redacted] I have contacted Victoria's Secret Community Bank in regards to their request on the fraudulent paperwork and submitted it as requestedThe fraud investigator [redacted] has accused me of lying [redacted] is extremely rude on the phone telling me to pay the $I told her that I don't have a problem paying for the items that I have purchased but she refuses to give me any type of summary of chargesShe states that I have made the purchases so that I should know what I boughtI told her again that I have lost the card in the charges on the card are fraudulent so I have no idea what the charges areShe also stated why would I make payments on fraud chargesI explained to her that I did not make any payments and there must have been a mistake in the systemShe then accuse me of lying saying that she verified my informationIf she verifies the payments that she would see that I did not make a payment in that I did not write any checks with my name to Victoria's Secret/ Commenity BankShe also states that I made an additional purchase of $after I reported the card stolenI told her that obviously the card was stolen so I didn't have it in my possession so there is no way that I made the purchase of $She then started yelling at me telling me that I was abusing her and lyingI told her that I've been trying to resolve this issue and am willing to pay for any purchases that are not fraudulentShe stated that I need to pay the full balance and that she doesn't have to cut me a dealShe said that I reported the card stolen but I did not report the charges fraudulent so that obviously they are mine and hung up on meI do not appreciate the customer service rep arguing with me when I am at calmly telling her that they are not my charges and unfortunately her investigation results are not accurateIt is very upsetting to be accused of lying, being yelled at by the investigator, and then being hung up oI would like the fraudulent charges removedThen I would like Victoria Secret either reopen my account in good standing with late payments removed or completely remove it from my credit fileI refuse to pay for fraudulent charges when I immediately reported bothOne card not received, the second stolen
The letter written by "Ashley H***" of Pottery Barn stated that my month promotional plan expires on 6/4/2016, the same day I made the transaction a year prior Since I did not get my first bill until July with a due date of July 28, 2015, my 12-month promo plan should not be expire until July 28, Basically what she is saying that my first payment was due before I received the delivery with the invoice; therefore, making it a 11-month promo plan not a 12-month I spoke with her via telephone and she stated that "is how their 12-month promotional plan works." I asked for her to send me a copy of my agreement and in the page agreement she sent via pdf e-mail states: This is on the first pageOne page of under CLearning under the third bullet states: In the duration I've been with this account I never received an "attachment of insert" In the response letter by "Ashley Hughes" she states that my plan was initially transferred on 7/3/making the due date 7/28/(according to the language in the agreement) before it was inexplicably changed on 8/3/ Since I have no documentation that states the terms of the month deferment program, I can only go by what the customer service representatives say on the phone Because of my experience with the customer service reps have been less than transparent, I am not confident what they say will be delivered Also, as mentioned before, I have never received an August statement I would appreciate your assistance in helping me in this matter Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear Ms [redacted] Thank you for contacting Comenity Capital Bank, regarding the above-referenced account As the bank that issues HSN credit card accounts, we are here to assist with all account-related questions Your complaint, addressed to the RevDex.com, was forwarded to my attention for review I appreciate the opportunity to respond to your concerns We understand from your complaint that you ordered three Wolfgang Puck piece cookware sets from HSN in December Upon delivery of the merchandise, you contacted HSN regarding the products not performing as advertised, and at that time, you were advised to return the merchandise You state that you returned two of the three cookware sets, at different times, and that you received notification via e-mail that both sets were received by HSN We further understand that you are continuing to receive billing statements from Comenity Capital Bank for the returned merchandise, and that you spoke with an HSN representative regarding some type of credit, but you did not understand what the credit entailed You are requesting the Bank stop sending billing statements for merchandise that you no longer have We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused Please understand that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping After a thorough investigation, our records indicate that you elected to place three Wolfgang Puck piece cookware sets on six equal Flex Payment plans These payments were applied to your HSN account as followed: Flex Payments of for $on December 6, 2014, Flex Payments of for $on January 5, 2015, Flex Payments of for $on February 4, 2015, Flex Payments of for $on March 6, 2015, Flex Payments of for $on April 5, 2015, and Flex Payments of for $on May 5, Our records further indicate on January 15, 2015, credits of $and $for Flex Payment of and Flex Payment of were applied to the account, for one of two returned cookware sets Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned within HSN’s return policy guidelines, the HSN account is credited for the merchandise and the applicable sales tax On your behalf, we contacted HSN and they confirmed the receipt of two returned Wolfgang Puck piece cookware sets: order # [redacted] was received on January 15, 2015, and order # [redacted] was received on May 8, Please note, order # [redacted] was received outside of HSN’s 30-day return policy; however, HSN agreed to accept the returned cookware set and issued a credit of $to the account on July 8, Although the Bank finds no billing errors, in the interest of customer service, we have issued credits totaling $127.06, for the previously assessed Bank fees Additionally, notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquency for June 2015, from your credit file Please allow up to days for this information to be updated in their records As of the date of this letter, your HSN account balance is zero We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountsComenity Bank issues the NY&C Rewards and Victoria’s Secret Angel credit card accountsWe are here to answer your questions and assist with your concernsYour complaint states that you set up bill pay through your financial institution and your payments are debited from your bank account on the 25th of each monthHowever, your NY&C Rewards account was recently charged a late fee, but your Victoria’s Secret account was notYou further state that you contacted the Bank regarding the late fee and spoke to a supervisor who was rude, and when you requested to have your account closed, the supervisor offered to remove the late feeFurthermore, you state that your accounts were assessed late fees in the month of March and you wrote a letter requesting that the late fees be waived; however, you were advised that the additional late fees would not be waivedYou are requesting that the late fees assessed in March be waivedI understand your concerns, and apologize for any confusion or frustration this may have caused youWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metBank records indicate that on March 28, 2017, you scheduled a payment of $on your NY&C Rewards account and a payment of $on your Victoria’s Secret Angel account; however, as a result of the payments being scheduled after p.mET, and posting the following day, a late fee was assessed to each of your accountsBank records further indicate that your Victoria’s Secret Angel account received a courtesy late fee credit on February 27, 2017, and your NY&C Rewards account received a courtesy late fee credit on May 4, 2017; neither account is eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validTo provide the best customer service possible, we offer multiple ways to make a paymentChoose 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 dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date)Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possiblePlease review the payments section on the back of your statement for additional informationPhone: 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 representativeA fee may apply to same-day, expedited payments made with the representativeThe above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W***
Dear Ms***Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention and I appreciate the opportunity to assist you.I understand from your complaint, you had a monthly payment arrangement of $withComenity Bank to pay off your debt for the above mentioned accountDue to circumstancesoutside of your control, you have been unable to maintain the previous payment arrangement.You contacted Comenity Bank and reached a representative by the name of MrH [redacted] ,code # 108030, who you felt was very rude and aggressiveWhile speaking to MrH [redacted] ,you questioned if there were payment programs which provided a lower monthly paymentandfor temporary suspension of paymentsWhen discussing the account, MrH [redacted] asked if you could borrow the requested amount from a family member to keep yourcommitment to Comenity BankYou felt MrH [redacted] was unwilling to help and you wouldlike a different representative to assist you with an agreeable payment arrangement.We apologize if you felt that you did not receive the best customer serviceIt is never theBank's intention to treat our customers in a less-than-satisfactory mannerComenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.Bank records indicate the account was charged off, due to non-payment, on November 7, 2014,with a balance of $819.84.In December 2014, you worked with our Recovery team and agreed to a repayment schedule of$per month to resolve the balanceOn April 20, 2015, you contacted our Recovery teamand stated you lost your job, and needed to cancel any pending paymentsAll pendingpayments were cancelled at that timeOn May 7, 2015, you contacted our Recovery team andstated you were working again and wanted to schedule paymentsYou asked for a lowerpayment amount and were advised we were unable to accept less than $each month.Payments were scheduled, and a payment of $posted to your account on May 30, 2015.You called on June 24, 2015, and advised that your work hours had been reduced, and youneeded to cancel your pending paymentsYou were advised that if the payments werecancelled, the full balance would be due on the account.Please be advised that all pending payments were again cancelledAs of today's date, theaccount balance is $478.24.We encourage you to contact our Recovery team at ###-###-#### (TDDflTY ###-###-####) to see what payment options may be availableThey would be happy to assist you.Sincerely,Geanine M [redacted]
Dear [redacted] ***, Thank you for passing along [redacted] ***’s communicationWe reached out to her via email and provided an explanation.We understand Ms [redacted] received a courtesy credit for late fees on her Woman Within credit cardShe states the late fee credit was not in the correct amount which caused an additional late payment feeMs [redacted] is requesting to have the correct late fee credit issued FullBeauty Brands (d/b/a Woman Within) cannot assist Ms [redacted] with her Woman Within credit cardComenity 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 interestWe 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 BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matterPlease feel free to let me know if you have any other questions.Sincerely,Jasmine D***
I am rejecting this response because:On June 8th I made a payment on time,actually before it was even due and for more than the minimum amount as I have been doing every month for a couple yearsI received the confirmation that payment was made on June 8th when I made it as I get every time I make a paymentTHEN On June 28th Comenity sent an email that I was past due and being confused by this, twenty days later than I made a payment, I logged into my account to find a returned payment and returned fees, days later and weeks past my next July due date and of course with more late feesMy statements clearly show that on June 15th Comenity says it was returnedRepeat June 15thI sent in my complete bank statement from 5/to 6/which clearly shows on the 1st page alone ALL the transactions for the month with no returned transactions.Being that was not sufficient and more conflicting information with many more calls I was told to send in a letter from my bank on letterhead to show there was nothing returnedby youI then went to the bank for a second time then paid to fax this information for a second timeThis letter from the bank should be sufficient enough for you, there is no arguing this fact strait from the banking institution, PERIODYour last letter to me was as vague stating that I already contacted you on this matter when actually it was a second correspondence from my bank as you request the first time and I still get nothing from you in regards to this bank letterThis is why I contacted Revdex.comNow you take the time to respond to Revdex.com with real time explanationComenity is making it ridiculously hard and frustrating to solve any problems in hopes that consumers will just give up and I am beyond unhappy with your unfair billing practices whereby statements are sent days later than the due date causing not only myself but thousand of their consumers late feesI have been unsettled and gone out of my way long enough to prove nothing was returned from you I was a good consumer until this stated in JuneYou have a letter from the bank showing this fact, If that would be sufficient in a court of law as proof that nothing was returned there is n more reason to make me go through more hassleWhatever error that happened on your end should be taken care of on your end, not made for me to pay the price financially and on my credit as late payments.You have your proof, please correct your errors to my statement, finance charges, late fees, returned fees and correct my credit reportBeyond frustrated for ever using your cardand never will again [redacted] *** Your "we appreciate your business" motto on your letters needs to change Regards, [redacted] ***
Dear [redacted] We received your correspondence, addressed to the RevDex.com, regarding theabove-referenced account. Comenity Bank issues Coldwater Creek MastercardB accounts,and we respond to all account-related inquiries. Your inquiry was forwarded to my attention andI appreciate... this opportunity to assist you.Your complaint indicates that you would like the Bank's website to offer monthly automaticwithdrawals from your checking account to pay your Coldwater Creek MastercardB account.Due to this option not being available, you state that you have incurred two late payment fees;the first of which was removed. You would like the Bank to refund the additional late feeincurred of $35.00. We apologize for any inconvenience or frustration you may haveexperienced because of this matter.At this time the Bank does not provide an option for automatic payments on your ColdwaterCreek Mastercard@ account. The Bank understands your desire for this option, and hopes thatthis service may be available to you in the near future.Please keep in mind 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 and financecharge, as explained in the Credit Card Agreement.Although no Bank errors were found, in the interest of customer service, I have removed the$35.00 late fee assessed to the account on April 18, 2015.We hope this information is helpful. Should you have any additional questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 06/30/
Dear Mr [redacted] :Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and weare here to help with your questionsThe Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.After reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matterPlease be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your... correspondence, submitted to the RevDex.com, that you have tried several times to access the Bank’s Account Center and it does not recognize your information. You have contacted the Bank with no success. You state that the payment is due June 17, 2017, and you request the account not be assessed any interest. We have reviewed the concerns in your correspondence. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After a thorough review of the account, our records indicate that a payment of $563.96 was received on June 6, 2017. Please be advised that as of the date of this letter, the account balance is zero and no additional interest charges have been applied to the account. In regard to signing onto the Account Center, please feel free to contact me at the number below for assistance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S*** Compliance Dept. – Consumer Responses
Dear [redacted] Comenity 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.Your correspondence states that your account was reported delinquent to the credit-reporting agencies as a result of the payments you made through your savings account being returnedYou are requesting that the delinquencies be removed from your credit bureau report because you did make your payments on time and you were not aware that you could not make payments using your savings accountWe understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.Please find a summary of your account belowEnclosed you will find a copy of your Credit Card Agreement (CCA), which provides information regarding the forms of payments the Bank accepts under the “making payments” section, and copies of your billing statements showing the account activity that resulted in the account balance and delinquencies, which are reporting to the credit reporting agencies.Bank records indicate that your account was opened on July 21, The last purchase made on the account was on February 24, 2017, and the last payment received on the account was on March 16, 2017, in the amount of $58.22.Bank records further indicate that the payment you made on August 21, 2016, in the amount of $was returned on August 24, As a result, your account became one billing period past dueA statement was issued to you on August 25, 2016, showing a balance of $with a minimum payment of $due by September 20, The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account and the account became two billing periods past due and was reported to the national credit-reporting agencies as days delinquent.On September 24, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by October 20, The Bank received a payment of $on September 29, 2016; however, on October 4, 2016, this payment was returnedAs a result, your account became three billing periods past due and reported to the national credit-reporting agencies as days delinquentThe Bank received another payment of $was received on October 21, 2016.On October 25, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by November 20, On October 28, 2016, the Bank received notice that the payment of $was returnedIn addition, on November 22, 2016, a payment of $was received; however, on November 29, 2016, that payment was returnedAs a result, the account became four billings period past due and reported to the national credit-reporting agencies as days delinquent.Please be advised that we are only willing to remove or change information that our company incorrectlyfurnished to the credit-reporting agenciesWe have found the information we reported is an accuratereflection of the payment history for your accountTherefore, this information will not be changed orremoved from your credit bureau report.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above Comenity Bankissues Pier Imports® and New York & Company credit card accounts, and werespond to account-related questionsYour complaint was forwarded to my attention, and I appreciate theopportunity to respond to your concernsWe understand your concerns regarding the status of your Pier Imports® and NewYork & Company account and that you would like to have the accounts closedand new accounts opened so that you may use your accounts We apologize for any frustration that thisissue may have caused you Although Comenity Bank takes every precaution to prevent credit card fraud, fraudulentactivity can still occur Please be advised that your accounts are being handled by our Account Protection teamand if you have any questions regarding the status of the account pleasecontact your investigator, [redacted] , at ###-###-####, ext [redacted] We hope this information is helpful Should you have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy to assist youSincerely, [redacted] [redacted] Consumer Relations Specialist
With regards to late feeThe payment was made on timeThe minimum amount required was MORE than the amount due because of the credit appliedIt should be clear to you that it is UNREASONABLE to charge a $dollar late fee on a payment that was MADE ON TIME for a cent error Regards, [redacted]
Dear Ms [redacted] Comenity Bank has received your recent complaint regarding the account noted above.Comenity Bank previously issued Fashion Bug credit cards and we are here to help with youraccount-related questions and concernsYour complaint, addressed to the Better BusinessBureau, was forwarded to my attention and I appreciate the opportunity to assist you.I understand from your complaint, that you began experiencing financial difficulties in dueto loss of employment, and were unable to make monthly payments on the Fashion Bug creditcard accountInstead of filing Bankruptcy, you selected to secure a settlement payment of$500.00, and Comenity Bank accepted your settlement proposal in March 2010.You state that after the account was settled in 2010, Comenity Bank continued to report theclosure of the Fashion Bug credit card account three (3) times to EquifaxAlso, per yourcomplaint, the Bank has reported delinquencies starting from You contacted Equifaxdirectly in May of 2015, and they agreed to remove the delinquencies from your credit bureaureport; however, on June 26, Comenity Bank, again, reported your account as delinquentwhich has had a negative impact on your credit.You are requesting Comenity Bank update and report accurately, the following information tothe credit reporting agencies:Account open dateAccount settlement dateAccount closed dateFinal payment received and amountActual payments missed, and dates reflecting July, through December, 2009Please note, the account was written- off on December 23, The last payment of $451.20was posted to the above mentioned account of March 4, 2010, and the account was "ClosedSettlement" on April 15, 2010.I understand your concerns regarding the reporting of the Fashion Bug account on your creditbureau file, and I apologize for any frustration or inconvenience you have experienced as aresult of this matter.Please be assured that Comenity Bank has issued notification to the national credit-reportingagencies with instructions to update the payment history for the Fashion Bug credit cardaccountPlease allow the credit-reporting agencies days to update their records.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the west elm credit cardWe are here to answer your questions and assist with your concernsWe previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease refer to the previous response letter sent on March 2, As stated in the previous response, the revolving and promotional plan information is listed on the monthly statementsI 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***
Dear Mr***: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to help with all account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you are questioning the interest charge of $that was assessed to your account and you have not been able to determine what the charge is for, or how it was calculated You feel that this charge is fraudulent and that there was no warning for this transaction, and you would like to know where the interest charge came from, what are the future monthly payments, and to know if the charge is yoursWe would like to apologize for any inconvenience this matter may have caused youPlease be advised that on January 21, 2016, ZALES THE DIAMOND STORE® credit card accounts were converted to Comenity Capital Bank from Citibank We have reviewed the information that was transferred from Citibank concerning your account Your purchase of $2,was charged to your account on April 3, 2015, and was placed on a month deferred interest, payment required plan scheduled to expire on April 9, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date On April 9, 2016, as the balance was not paid in full within the months, interest charges dated from the original transaction date totaling $were assessed to the account The interest charge that was assessed to your account is valid We have enclosed a copy of the sales receipt for your records Please be aware that information regarding your promotional purchase was provided on each of your monthly billing statements This information included the original purchase amount and date, previous balance, payments and credits, new balance, deferred interest charges, and the expiration date of the promotional plan Citibank listed this information on your statements under the heading of “Activity and Promotions Detail”Please note that Comenity Capital Bank provides details of any promotional plan on each monthly billing statement under the heading of “Details of your plans” Additionally, each statement provides you with a calculation of interest chargesOur records indicate that your account was enrolled in our Hardship Program on April 18, Information concerning the program and the minimum payment requirement for your account was sent on April 19, If you have any questions regarding the Hardship Program, and the payments that are required, please contact ###-###-#### for assistanceWe hope that you find this information helpful Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H***
Dear [redacted] *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the My BJ's Perks Mastercard credit cardWe are here to answer your questions and assist with your concernsIn your correspondence you state there was an unauthorized charge on your account for the renewal of your BJ’s membershipYou would like your account credited and the Bank prosecuted for charging the account without your permissionWe understand your concerns, and apologize for any frustration or inconvenience this matter may have caused youPlease note Comenity Capital Bank and BJ’s Wholesale Club are separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountBJ’s Wholesale Club is responsible for handling matters related to sales, merchandise, and any concerns pertaining to BJ’s Wholesale Club, including your BJ’s membershipPlease be advised that as an Elite card holder, you receive a $discount on your annual membership fee when you participate in automatic renewalWe contacted BJ’s Member Care on your behalf and they confirmed you signed up for automatic renewal in January Should you chose to cancel automatic renewal, please contact your nearest BJ’s Wholesale ClubI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Alyson F
*
From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 3:PMTo: [email protected]: Fwd: Your online application has been approved_________________________________________From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 3:PMTo: [email protected]: Fwd: Emailing I'd 11908721.pdf
In regards to my original complaint with the Revdex.com # [redacted] I have contacted Victoria's Secret Community Bank in regards to their request on the fraudulent paperwork and submitted it as requestedThe fraud investigator [redacted] has accused me of lying [redacted] is extremely rude on the phone telling me to pay the $I told her that I don't have a problem paying for the items that I have purchased but she refuses to give me any type of summary of chargesShe states that I have made the purchases so that I should know what I boughtI told her again that I have lost the card in the charges on the card are fraudulent so I have no idea what the charges areShe also stated why would I make payments on fraud chargesI explained to her that I did not make any payments and there must have been a mistake in the systemShe then accuse me of lying saying that she verified my informationIf she verifies the payments that she would see that I did not make a payment in that I did not write any checks with my name to Victoria's Secret/ Commenity BankShe also states that I made an additional purchase of $after I reported the card stolenI told her that obviously the card was stolen so I didn't have it in my possession so there is no way that I made the purchase of $She then started yelling at me telling me that I was abusing her and lyingI told her that I've been trying to resolve this issue and am willing to pay for any purchases that are not fraudulentShe stated that I need to pay the full balance and that she doesn't have to cut me a dealShe said that I reported the card stolen but I did not report the charges fraudulent so that obviously they are mine and hung up on meI do not appreciate the customer service rep arguing with me when I am at calmly telling her that they are not my charges and unfortunately her investigation results are not accurateIt is very upsetting to be accused of lying, being yelled at by the investigator, and then being hung up oI would like the fraudulent charges removedThen I would like Victoria Secret either reopen my account in good standing with late payments removed or completely remove it from my credit fileI refuse to pay for fraudulent charges when I immediately reported bothOne card not received, the second stolen
The letter written by "Ashley H***" of Pottery Barn stated that my month promotional plan expires on 6/4/2016, the same day I made the transaction a year prior Since I did not get my first bill until July with a due date of July 28, 2015, my 12-month promo plan should not be expire until July 28, Basically what she is saying that my first payment was due before I received the delivery with the invoice; therefore, making it a 11-month promo plan not a 12-month I spoke with her via telephone and she stated that "is how their 12-month promotional plan works." I asked for her to send me a copy of my agreement and in the page agreement she sent via pdf e-mail states: This is on the first pageOne page of under CLearning under the third bullet states: In the duration I've been with this account I never received an "attachment of insert" In the response letter by "Ashley Hughes" she states that my plan was initially transferred on 7/3/making the due date 7/28/(according to the language in the agreement) before it was inexplicably changed on 8/3/ Since I have no documentation that states the terms of the month deferment program, I can only go by what the customer service representatives say on the phone Because of my experience with the customer service reps have been less than transparent, I am not confident what they say will be delivered Also, as mentioned before, I have never received an August statement I would appreciate your assistance in helping me in this matter Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
Dear Ms [redacted] Thank you for contacting Comenity Capital Bank, regarding the above-referenced account As the bank that issues HSN credit card accounts, we are here to assist with all account-related questions Your complaint, addressed to the RevDex.com, was forwarded to my attention for review I appreciate the opportunity to respond to your concerns We understand from your complaint that you ordered three Wolfgang Puck piece cookware sets from HSN in December Upon delivery of the merchandise, you contacted HSN regarding the products not performing as advertised, and at that time, you were advised to return the merchandise You state that you returned two of the three cookware sets, at different times, and that you received notification via e-mail that both sets were received by HSN We further understand that you are continuing to receive billing statements from Comenity Capital Bank for the returned merchandise, and that you spoke with an HSN representative regarding some type of credit, but you did not understand what the credit entailed You are requesting the Bank stop sending billing statements for merchandise that you no longer have We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused Please understand that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping After a thorough investigation, our records indicate that you elected to place three Wolfgang Puck piece cookware sets on six equal Flex Payment plans These payments were applied to your HSN account as followed: Flex Payments of for $on December 6, 2014, Flex Payments of for $on January 5, 2015, Flex Payments of for $on February 4, 2015, Flex Payments of for $on March 6, 2015, Flex Payments of for $on April 5, 2015, and Flex Payments of for $on May 5, Our records further indicate on January 15, 2015, credits of $and $for Flex Payment of and Flex Payment of were applied to the account, for one of two returned cookware sets Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned within HSN’s return policy guidelines, the HSN account is credited for the merchandise and the applicable sales tax On your behalf, we contacted HSN and they confirmed the receipt of two returned Wolfgang Puck piece cookware sets: order # [redacted] was received on January 15, 2015, and order # [redacted] was received on May 8, Please note, order # [redacted] was received outside of HSN’s 30-day return policy; however, HSN agreed to accept the returned cookware set and issued a credit of $to the account on July 8, Although the Bank finds no billing errors, in the interest of customer service, we have issued credits totaling $127.06, for the previously assessed Bank fees Additionally, notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquency for June 2015, from your credit file Please allow up to days for this information to be updated in their records As of the date of this letter, your HSN account balance is zero We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountsComenity Bank issues the NY&C Rewards and Victoria’s Secret Angel credit card accountsWe are here to answer your questions and assist with your concernsYour complaint states that you set up bill pay through your financial institution and your payments are debited from your bank account on the 25th of each monthHowever, your NY&C Rewards account was recently charged a late fee, but your Victoria’s Secret account was notYou further state that you contacted the Bank regarding the late fee and spoke to a supervisor who was rude, and when you requested to have your account closed, the supervisor offered to remove the late feeFurthermore, you state that your accounts were assessed late fees in the month of March and you wrote a letter requesting that the late fees be waived; however, you were advised that the additional late fees would not be waivedYou are requesting that the late fees assessed in March be waivedI understand your concerns, and apologize for any confusion or frustration this may have caused youWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metBank records indicate that on March 28, 2017, you scheduled a payment of $on your NY&C Rewards account and a payment of $on your Victoria’s Secret Angel account; however, as a result of the payments being scheduled after p.mET, and posting the following day, a late fee was assessed to each of your accountsBank records further indicate that your Victoria’s Secret Angel account received a courtesy late fee credit on February 27, 2017, and your NY&C Rewards account received a courtesy late fee credit on May 4, 2017; neither account is eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validTo provide the best customer service possible, we offer multiple ways to make a paymentChoose 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 dayCheck the back of your billing statement to see if in-store payments are available for your accountOnline: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date)Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possiblePlease review the payments section on the back of your statement for additional informationPhone: 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 representativeA fee may apply to same-day, expedited payments made with the representativeThe above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W***
Dear Ms***Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention and I appreciate the opportunity to assist you.I understand from your complaint, you had a monthly payment arrangement of $withComenity Bank to pay off your debt for the above mentioned accountDue to circumstancesoutside of your control, you have been unable to maintain the previous payment arrangement.You contacted Comenity Bank and reached a representative by the name of MrH [redacted] ,code # 108030, who you felt was very rude and aggressiveWhile speaking to MrH [redacted] ,you questioned if there were payment programs which provided a lower monthly paymentandfor temporary suspension of paymentsWhen discussing the account, MrH [redacted] asked if you could borrow the requested amount from a family member to keep yourcommitment to Comenity BankYou felt MrH [redacted] was unwilling to help and you wouldlike a different representative to assist you with an agreeable payment arrangement.We apologize if you felt that you did not receive the best customer serviceIt is never theBank's intention to treat our customers in a less-than-satisfactory mannerComenity Bank iscommitted to providing the best customer service and is disappointed when a customer feelsthat this standard was not met.Bank records indicate the account was charged off, due to non-payment, on November 7, 2014,with a balance of $819.84.In December 2014, you worked with our Recovery team and agreed to a repayment schedule of$per month to resolve the balanceOn April 20, 2015, you contacted our Recovery teamand stated you lost your job, and needed to cancel any pending paymentsAll pendingpayments were cancelled at that timeOn May 7, 2015, you contacted our Recovery team andstated you were working again and wanted to schedule paymentsYou asked for a lowerpayment amount and were advised we were unable to accept less than $each month.Payments were scheduled, and a payment of $posted to your account on May 30, 2015.You called on June 24, 2015, and advised that your work hours had been reduced, and youneeded to cancel your pending paymentsYou were advised that if the payments werecancelled, the full balance would be due on the account.Please be advised that all pending payments were again cancelledAs of today's date, theaccount balance is $478.24.We encourage you to contact our Recovery team at ###-###-#### (TDDflTY ###-###-####) to see what payment options may be availableThey would be happy to assist you.Sincerely,Geanine M [redacted]
Dear [redacted] ***, Thank you for passing along [redacted] ***’s communicationWe reached out to her via email and provided an explanation.We understand Ms [redacted] received a courtesy credit for late fees on her Woman Within credit cardShe states the late fee credit was not in the correct amount which caused an additional late payment feeMs [redacted] is requesting to have the correct late fee credit issued FullBeauty Brands (d/b/a Woman Within) cannot assist Ms [redacted] with her Woman Within credit cardComenity 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 interestWe 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 BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matterPlease feel free to let me know if you have any other questions.Sincerely,Jasmine D***
I am rejecting this response because:On June 8th I made a payment on time,actually before it was even due and for more than the minimum amount as I have been doing every month for a couple yearsI received the confirmation that payment was made on June 8th when I made it as I get every time I make a paymentTHEN On June 28th Comenity sent an email that I was past due and being confused by this, twenty days later than I made a payment, I logged into my account to find a returned payment and returned fees, days later and weeks past my next July due date and of course with more late feesMy statements clearly show that on June 15th Comenity says it was returnedRepeat June 15thI sent in my complete bank statement from 5/to 6/which clearly shows on the 1st page alone ALL the transactions for the month with no returned transactions.Being that was not sufficient and more conflicting information with many more calls I was told to send in a letter from my bank on letterhead to show there was nothing returnedby youI then went to the bank for a second time then paid to fax this information for a second timeThis letter from the bank should be sufficient enough for you, there is no arguing this fact strait from the banking institution, PERIODYour last letter to me was as vague stating that I already contacted you on this matter when actually it was a second correspondence from my bank as you request the first time and I still get nothing from you in regards to this bank letterThis is why I contacted Revdex.comNow you take the time to respond to Revdex.com with real time explanationComenity is making it ridiculously hard and frustrating to solve any problems in hopes that consumers will just give up and I am beyond unhappy with your unfair billing practices whereby statements are sent days later than the due date causing not only myself but thousand of their consumers late feesI have been unsettled and gone out of my way long enough to prove nothing was returned from you I was a good consumer until this stated in JuneYou have a letter from the bank showing this fact, If that would be sufficient in a court of law as proof that nothing was returned there is n more reason to make me go through more hassleWhatever error that happened on your end should be taken care of on your end, not made for me to pay the price financially and on my credit as late payments.You have your proof, please correct your errors to my statement, finance charges, late fees, returned fees and correct my credit reportBeyond frustrated for ever using your cardand never will again [redacted] *** Your "we appreciate your business" motto on your letters needs to change Regards, [redacted] ***
Dear [redacted] We received your correspondence, addressed to the RevDex.com, regarding theabove-referenced account. Comenity Bank issues Coldwater Creek MastercardB accounts,and we respond to all account-related inquiries. Your inquiry was forwarded to my attention andI appreciate... this opportunity to assist you.Your complaint indicates that you would like the Bank's website to offer monthly automaticwithdrawals from your checking account to pay your Coldwater Creek MastercardB account.Due to this option not being available, you state that you have incurred two late payment fees;the first of which was removed. You would like the Bank to refund the additional late feeincurred of $35.00. We apologize for any inconvenience or frustration you may haveexperienced because of this matter.At this time the Bank does not provide an option for automatic payments on your ColdwaterCreek Mastercard@ account. The Bank understands your desire for this option, and hopes thatthis service may be available to you in the near future.Please keep in mind 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 and financecharge, as explained in the Credit Card Agreement.Although no Bank errors were found, in the interest of customer service, I have removed the$35.00 late fee assessed to the account on April 18, 2015.We hope this information is helpful. Should you have any additional questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Comenity Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 06/30/
Dear Mr [redacted] :Thank you for contacting Comenity BankWe issue multiple retail credit card accounts, and weare here to help with your questionsThe Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.After reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matterPlease be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpfulIf you have any additional questions or concernsplease contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Amanda R [redacted]
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your... correspondence, submitted to the RevDex.com, that you have tried several times to access the Bank’s Account Center and it does not recognize your information. You have contacted the Bank with no success. You state that the payment is due June 17, 2017, and you request the account not be assessed any interest. We have reviewed the concerns in your correspondence. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After a thorough review of the account, our records indicate that a payment of $563.96 was received on June 6, 2017. Please be advised that as of the date of this letter, the account balance is zero and no additional interest charges have been applied to the account. In regard to signing onto the Account Center, please feel free to contact me at the number below for assistance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S*** Compliance Dept. – Consumer Responses
Dear [redacted] Comenity 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.Your correspondence states that your account was reported delinquent to the credit-reporting agencies as a result of the payments you made through your savings account being returnedYou are requesting that the delinquencies be removed from your credit bureau report because you did make your payments on time and you were not aware that you could not make payments using your savings accountWe understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.Please find a summary of your account belowEnclosed you will find a copy of your Credit Card Agreement (CCA), which provides information regarding the forms of payments the Bank accepts under the “making payments” section, and copies of your billing statements showing the account activity that resulted in the account balance and delinquencies, which are reporting to the credit reporting agencies.Bank records indicate that your account was opened on July 21, The last purchase made on the account was on February 24, 2017, and the last payment received on the account was on March 16, 2017, in the amount of $58.22.Bank records further indicate that the payment you made on August 21, 2016, in the amount of $was returned on August 24, As a result, your account became one billing period past dueA statement was issued to you on August 25, 2016, showing a balance of $with a minimum payment of $due by September 20, The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account and the account became two billing periods past due and was reported to the national credit-reporting agencies as days delinquent.On September 24, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by October 20, The Bank received a payment of $on September 29, 2016; however, on October 4, 2016, this payment was returnedAs a result, your account became three billing periods past due and reported to the national credit-reporting agencies as days delinquentThe Bank received another payment of $was received on October 21, 2016.On October 25, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by November 20, On October 28, 2016, the Bank received notice that the payment of $was returnedIn addition, on November 22, 2016, a payment of $was received; however, on November 29, 2016, that payment was returnedAs a result, the account became four billings period past due and reported to the national credit-reporting agencies as days delinquent.Please be advised that we are only willing to remove or change information that our company incorrectlyfurnished to the credit-reporting agenciesWe have found the information we reported is an accuratereflection of the payment history for your accountTherefore, this information will not be changed orremoved from your credit bureau report.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above Comenity Bankissues Pier Imports® and New York & Company credit card accounts, and werespond to account-related questionsYour complaint was forwarded to my attention, and I appreciate theopportunity to respond to your concernsWe understand your concerns regarding the status of your Pier Imports® and NewYork & Company account and that you would like to have the accounts closedand new accounts opened so that you may use your accounts We apologize for any frustration that thisissue may have caused you Although Comenity Bank takes every precaution to prevent credit card fraud, fraudulentactivity can still occur Please be advised that your accounts are being handled by our Account Protection teamand if you have any questions regarding the status of the account pleasecontact your investigator, [redacted] , at ###-###-####, ext [redacted] We hope this information is helpful Should you have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####) I will be happy to assist youSincerely, [redacted] [redacted] Consumer Relations Specialist
With regards to late feeThe payment was made on timeThe minimum amount required was MORE than the amount due because of the credit appliedIt should be clear to you that it is UNREASONABLE to charge a $dollar late fee on a payment that was MADE ON TIME for a cent error Regards, [redacted]
Dear Ms [redacted] Comenity Bank has received your recent complaint regarding the account noted above.Comenity Bank previously issued Fashion Bug credit cards and we are here to help with youraccount-related questions and concernsYour complaint, addressed to the Better BusinessBureau, was forwarded to my attention and I appreciate the opportunity to assist you.I understand from your complaint, that you began experiencing financial difficulties in dueto loss of employment, and were unable to make monthly payments on the Fashion Bug creditcard accountInstead of filing Bankruptcy, you selected to secure a settlement payment of$500.00, and Comenity Bank accepted your settlement proposal in March 2010.You state that after the account was settled in 2010, Comenity Bank continued to report theclosure of the Fashion Bug credit card account three (3) times to EquifaxAlso, per yourcomplaint, the Bank has reported delinquencies starting from You contacted Equifaxdirectly in May of 2015, and they agreed to remove the delinquencies from your credit bureaureport; however, on June 26, Comenity Bank, again, reported your account as delinquentwhich has had a negative impact on your credit.You are requesting Comenity Bank update and report accurately, the following information tothe credit reporting agencies:Account open dateAccount settlement dateAccount closed dateFinal payment received and amountActual payments missed, and dates reflecting July, through December, 2009Please note, the account was written- off on December 23, The last payment of $451.20was posted to the above mentioned account of March 4, 2010, and the account was "ClosedSettlement" on April 15, 2010.I understand your concerns regarding the reporting of the Fashion Bug account on your creditbureau file, and I apologize for any frustration or inconvenience you have experienced as aresult of this matter.Please be assured that Comenity Bank has issued notification to the national credit-reportingagencies with instructions to update the payment history for the Fashion Bug credit cardaccountPlease allow the credit-reporting agencies days to update their records.I hope you find this information to be helpfulShould you have additional questions or concernsabout this issue, please contact our Recovery Team at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist you.Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the west elm credit cardWe are here to answer your questions and assist with your concernsWe previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease refer to the previous response letter sent on March 2, As stated in the previous response, the revolving and promotional plan information is listed on the monthly statementsI 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***
Dear Mr***: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to help with all account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you are questioning the interest charge of $that was assessed to your account and you have not been able to determine what the charge is for, or how it was calculated You feel that this charge is fraudulent and that there was no warning for this transaction, and you would like to know where the interest charge came from, what are the future monthly payments, and to know if the charge is yoursWe would like to apologize for any inconvenience this matter may have caused youPlease be advised that on January 21, 2016, ZALES THE DIAMOND STORE® credit card accounts were converted to Comenity Capital Bank from Citibank We have reviewed the information that was transferred from Citibank concerning your account Your purchase of $2,was charged to your account on April 3, 2015, and was placed on a month deferred interest, payment required plan scheduled to expire on April 9, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date On April 9, 2016, as the balance was not paid in full within the months, interest charges dated from the original transaction date totaling $were assessed to the account The interest charge that was assessed to your account is valid We have enclosed a copy of the sales receipt for your records Please be aware that information regarding your promotional purchase was provided on each of your monthly billing statements This information included the original purchase amount and date, previous balance, payments and credits, new balance, deferred interest charges, and the expiration date of the promotional plan Citibank listed this information on your statements under the heading of “Activity and Promotions Detail”Please note that Comenity Capital Bank provides details of any promotional plan on each monthly billing statement under the heading of “Details of your plans” Additionally, each statement provides you with a calculation of interest chargesOur records indicate that your account was enrolled in our Hardship Program on April 18, Information concerning the program and the minimum payment requirement for your account was sent on April 19, If you have any questions regarding the Hardship Program, and the payments that are required, please contact ###-###-#### for assistanceWe hope that you find this information helpful Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H***