My boyfriend filled out the necessary paperwork at his bank and got his money backI returned some items while using my old account with Victoria Secret and he received creditI paid off my both billsI just received two billing statements with the amounts I owed in questionThe $and the $RIGHT AFTER paying themI do not remember the customer service rep's name and I didn't speak with a comenity bank associate for fear of being rudely treatedI do not understandI can't use my cardAll of my recent purchases using my new card have been cancelled Regards, [redacted]
Dear [redacted] *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit card accountWe are here to answer your questions and assist with your concernsYour complaint states that you paid your account off in full in November 2016; however, you are still receiving statements showing a balance is still owingYou are requesting that the fees be waived to bring the balance to zero and to close your accountWe understand your concerns, and apologize for any frustration or inconvenience this may have caused youBank records indicate that on October 12, 2016, a statement was issued to your showing a balance of $The Bank received a payment of $on November 3, Furthermore, on November 11, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due December 7, The Bank did not receive a payment and as a result, a late fee was assessed to your accountPlease be advised that billing statements continued to be sent to youThe Bank received a payment of $on January 12, The Bank has not received any other payments after that and as a result, late fees were assessed to your accountBank records further indicate that your account has already received three courtesy late fee credits and is not 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 validPlease be advised that as you have requested, the Bank has closed the accountThe Bank is only willing to remove or change information that our company incorrectly furnished to the credit-reporting agenciesWe have found the information we reported is an accurate reflection of the payment history for your accountTherefore, this information will not be changed or removed from your credit bureau reportI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny Wh
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Ultamate Rewards credit cardWe are here to answer your questions and assist with your concernsYou state you paid your bill in full in April 2017; however, you continue to get harassed, and receive bills from the Bank, consisting of service feesYou are requesting to have your account adjusted, and your credit report repairedWe sincerely apologize for any frustration or inconvenience this matter may have caused youPlease keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card AgreementOn March 25, 2017, a billing statement was issued reflecting a balance of $78.22, with a minimum payment of $due by April 20, On April 22, 2017, a payment of $posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the accountStatements continued to be issued monthly, and as no additional payments were received, late fees and finance charges continued to be assessed to the accountThe Bank made the decision to no longer hold you responsible for the remaining account balanceIn the interest of customer service, we issued credits totaling $to remove the previously assessed late fees and finance chargesAs of the date of this correspondence, the account balance is zeroNotification has been sent to the credit reporting agencies with instructions to remove the negative payment information from your credit bureau reportPlease allow up to days for the credit reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Laura R [redacted]
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding your TALBOTS credit card accountComenity Bank issues TALBOTS credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from the complaint that you purchased a dress from Talbots and then returned the dress following the required proceduresYou state that you were billed for the shipping which you accepted and paidYou further state that you were incorrectly billed $27.00, which you paid; however, Comenity Bank then credited the $to your accountNow you are receiving a statement for $and your credit is being affected because you are being reported as delinquentYou would like a billing adjustment and for a correction to be sent to the credit bureaus to reflect as not being delinquentWe understand your concerns and apologize for any frustration this matter may have caused.After a thorough review of the above-referenced account, records indicate on March 21, 2016, a purchase of $152.04, for Novelty Sheath, was charged to the accountOn April 13, 2016, the Novelty Sheath was returned and the account was credited $Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, any applicable tax and shipping and handlingWhen the merchandise is returned, Talbots will credit your account for the cost of the merchandise and tax onlyIn addition, if you use the return label for your return, the cost of the return label is billed to your account to cover the cost of the return shipping and handling.Records further indicate that on April 13, 2016, a payment of $was receivedLastly, on April 13, 2016, Talbots charged a $shipping fee for the return shipping.A billing statement was issued on April 20, 2016, indicating a balance of $6.95, with a payment of $due by May 16, Since you are a paperless customer, a Statement Ready Email was sent to you on April 24, 2016, to advise you your statement was available on Account CenterAs no payment was received, a late fee of $was assessed to the account.Although there were no Bank errors, in the interest of customer service, we issued credits for the previously assessed Bank feesAdditionally, a credit of $was issued to the account for the return label feeFurthermore, we spoke to Talbots on your behalf and are happy to share that Talbots agreed to issue a refund in the amount of $for the shipping and handling that was assessed.The credits issued to your account have resulted in a credit balance on your accountA refundcheck will be issued and should arrive in the next 7-business days.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the 30-day delinquency that was reported for May 2016, regarding yourTALBOTS accountPlease allow the credit-reporting agencies days to update their records.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Ashley R***
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bankissues the Carson’s credit cardWe are here to answer your questions and assist with your concerns.We understand from your correspondence that you placed an online order December 20, 2016, in the amount of$223.37, but the merchandise was never delivered.Please be advised Comenity Bank and Carson’s are two separate entitiesComenity Bank is responsible foraddressing questions related to the Carson’s credit card accounts, while Carson’s is responsible for handlingmatters related to sales, merchandise processing, returns, shipping, and merchandise quality.We previously received and responded to your concerns through our Dispute Department regarding this samematterPlease find enclosed, copies of our previous responses sent to you on February 16, 2017, and April 10,2017.After a thorough investigation, Bank records indicate on December 20, 2016, an online mail order for $223.37billed to your accountPlease find enclosed a copy of the FedEx Tracking provided by Carson’s, confirming themerchandise was delivered on December 22, 2016, at 7:pmBecause Carson’s was able to provide proof thatthe item was delivered by FedEx, the charge is considered validWe have disputed the transaction on youraccount, however Carson’s is not responsible for stolen merchandiseFor further assistance with your concern,please contact FedEx directly at ###-###-#### to file a disputeYou may also want to contact your personalinsurance company to see if you can file a claim for the stolen merchandise.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Shelley A***
Dear Rita Paul:Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the DentalFirst credit accountWe are here toanswer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matterPlease find enclosed a copy of our response sent to you onJune 13, 2017.As of the date of this letter, the balance on the account is $Your next billing statement willbe issued to you on June 24, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S*Renee S*Compliance Dept– Consumer ResponsesEnclosurecc: Revdex.com [redacted]
Dear [redacted] ***: We received the inquiry you sent to the Revdex.com (Revdex.com), regarding the above-noted accountYour inquiry was forwarded to Comenity BankComenity Bank issues the Younkers credit card, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We understand from your correspondence to the Revdex.com that you were assessed a late fee of $after making two payments of $on May 26, 2016, and June 9, You believe these two payments should have covered the minimum payment of $which was due by June 21, We understand your concerns and would like to provide you with the following informationOn April 25, 2016, Comenity Bank generated a statement showing a balance of $1,473.74, with a minimum payment of $due by May 21, Our records reflect three payments of $each were received within this billing cycle on April 28, 2016, May 12, 2016, and May 26, On May 26, 2016, the Bank generated a new statement reflecting a balance of $1,384.35, with a minimum payment of $due by June 21, Bank records indicate we received the following payments; $on June 9, 2016, and $on June 23, Since the full amount of $was not received by the June 21, 2016, due date, your Younkers account was assessed a late fee of $ Please understand that you are required to pay at least the minimum due indicated on your statement each monthAny amount paid in excess of the minimum due will be credited to your balance for the billing period in which that payment is receivedAdditionally, please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementEnclosed are copies of your billing statements for April through July You are a valued customer and we appreciate your businessPlease be assured, as a courtesy, we have credited the late fee of $ We appreciate your continued patronage with Younkers and hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you Sincerely, Jack C [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues your Jessica London@ credit card account, and weare here to assist you with all account-related questionsI appreciate the opportunity torespond to your concerns.We understand from your complaint that you have been called and sent a bill from ComenityBankYou state you provided us with information that the account was paid and the item wasreturnedYou further state you were contacted about a bill due by another resident in yourmobile home park, and that you were being billed for another person's purchasesYou havebeen charged late feesYou state you called and asked what the bill was for, but did notreceive any resultsYou further state that you have been enrolled in the payment help center.You would like no more bills, the credit reporting updated, and no more phone calls.Please note that Jessica London and Comenity Bank are two separate entitiesThe Bankissues and is responsible for addressing questions related to the Jessica London@ credit cardaccountJessica London is responsible for handling matters related to sales, merchandiseprocessing, returns and shipping.When merchandise is ordered from Jessica London, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handlingJessica London does notrefund shipping and handling chargesIn addition, if the provided return label is used to returnthe package, the return label fee is also charged to the account.We have reviewed the account and we are happy to share our findingsPlease 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.Please note that there is no record of charges being added to your Jessica London@ credit card,that are not your own, or where we attempted to contact you in regards to another person's bill.WHAT IS THE PAYMENT HELP CENTER?A Website that increases payment options for delinquent customers, as well as providesgreater customer satisfactionCustomers will be able to make payments on delinquentaccounts utilizing this website.There is no fee to make a payment online through the Payment Help Center.The Bank has reviewed the applicable phone conversationsWe apologize if you felt that youdid not receive the best customer serviceIt is never the Bank's intention to treat our customersin a less-than-satisfactory mannerComenity Bank is committed to providing the best customerservice and is disappointed when a customer feels that this standard was not met.Although we find the balance to be valid, in the interest of customer serviceComenity Bank isnot holding you responsible for the remaining balance of $Due to this account beingreported as a write off Comenity Bank sent a request to the national credit-reporting agenciesto delete the account from your credit report in its entiretyPlease allow up to days for thisinformation to be updated in their records.Please be assured that we have updated our records and you should not receive any furthertelephone calls at the telephone numbers ending in and from Comenity Bank.regarding your Jessica London@ account.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R [redacted]
Dear Ms [redacted] We received correspondence from the Revdex.com regarding the above-mentionedapplicationComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here toassist you with your account/application-related questionsYour correspondence was forwarded tomy attention, and I appreciate the opportunity to assist you.I understand your concerns regarding the VICTORIA’S SECRET application that was submitted inyour name, and I apologize for the inconvenience and frustration this matter may have caused you.Bank records show that a VICTORIA’S SECRET credit card application was received on August 25,2016, in the name of Rosemarie SciarronePlease be assured that the Bank actively monitorsapplications for suspicious activitySince the application submitted in your name met certain criteria,the Bank sent you a letter, which you enclosed with your complaintPlease be assured that noVICTORIA’S SECRET credit card account was opened in your name, and we did not locate any otheropen credit card accounts in your name with the Bank.Since you state that you did not apply for an account, we sent a request to the credit-reporting agenciesto remove the inquiry that was generated as a result of the applicationPlease allow days for thecredit-reporting agencies to update their records.Due to their compliance policies, the credit bureaus do not delete inquiries from a consumer’s creditbureau reportHowever, when the Bank requests that an inquiry be removed, the credit bureaus willchange it to a soft inquiryThis means that the inquiry only appears when the consumer pulls his orher own credit reportA soft inquiry does not appear on a consumer’s credit report that is provided toa lender or any other authorized party, and it does not impact the consumer’s credit scoreTherefore,you will continue to see the inquiry on your credit report, but it will not be visible to anyone else whomay pull your credit report.If you feel you have been a victim of identity theft, we encourage you to place a fraud alert on yourcredit fileWhen a fraud alert is present on your credit file, a lender must contact you at the telephonenumber you provide on the alert, prior to opening any credit accountYou may contact any one of thecredit-reporting agencies to add a fraud alert to your credit fileThe agency you contact will notify theother agenciesYou may reach the credit-reporting agencies using the following information:Experian (TRW) PO Box Experian ParkwayAllen, TX - 0036###-###-####TransUnion (TRU)PO Box 390Springfield, PA - 0390###-###-####Equifax (CBI)PO Box 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope that this information is helpfulShould you have any additional questions or concerns, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] :We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts Comenity Bank issues LOVELOFT MasterCard® and ANN TAYLOR MasterCard® 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 concernsWe understand your concerns as explained in your correspondence You were upgraded to a MasterCard® account; you always paid on time and used to pay at the store When your account fell past due it was sent to another company to be collected You made a payment of $to a company called Improved Data Services You are concerned you may have been scammed and you are requesting your money back; a letter stating that the Ann Taylor store was closed and moved out of the Galleria Mall and the other store went bankrupt Please be advised Comenity Bank and ANN TAYLOR /LOVELOFT are two separate entities Comenity Bank is responsible for addressing questions related to ANN TAYLOR /LOVELOFT credit card accounts, while ANN TAYLOR /LOVELOFT is responsible for addressing questions related to their stores location and operation.Our records indicate that the LOVELOFT MasterCard® account was opened on October 4, 2008, and the ANN TAYLOR MasterCard® account was opened on April 13, Use of the accounts, or failure to close the accounts 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 Please be advised that finance charges are assessed to the account each month if the previous statement balance is not paid in full, as indicated in the CCARegarding the LOVELOFT MasterCard® account; the last purchase of $was made on January 10, 2015, and the last payment of $was received on July 28, As no further payments were received, on November 2, 2015, the account was permanently closed and written-off, due to non-payment, with a balance of $4,002.12.Regarding the Ann Taylor MasterCard® account; the last purchase of $was made on September 10, 2011, and the last payment of $was received on May 27, As no further payments were received, on January 2, 2016, the account was permanently closed and written-off, due to non-payment, with a balance of $1,187.12.The Bank sold the LOVELOFT MasterCard® account on November 19, 2015, and the ANN TAYLOR MasterCard® account on January 19, 2016, to Southwestern Investor Group For any additional information about the accounts, you may contact Southwestern Investor Group at ###-###-####.Please be advised that the Bank is unable to refund your payment of $500.00, as it was not paid to Comenity Bank If you believe the payment was made to an unauthorized party, please review the transaction with your financial institutionWe sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter We hope you find this information helpful Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Tionna M [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues EXPRESS, J.Crew, NEW YORK & COMPANY and VICTORIA’S SECRET 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 assist you We understand from your complaint that you opened an EXPRESS, NEW YORK & COMPANY and VICTORIA’S SECRET account with Comenity Bank You state that after making purchases, you were sent a letter regarding suspicious activity and all three accounts, as well as the J.Crew account, were closed You state that you offered the information that was requested, but were unable to send in the documentation due to a family emergency You state you were advised that nothing could be done At this time you request that the accounts are reinstated, or that the accounts are removed from your credit report I am happy to share my findings Bank records indicate that the above-referenced accounts were opened in March On June 14, 2016, letters were sent advising that there was potential security concerns and or/irregular credit card transactions and the accounts were suspended for purchases, until an investigation was completed At this time you were advised to send in identification documents Due to not receiving the requested information within days, the accounts were permanently closed Please be advised the accounts cannot be reopened Due to no Bank errors, we are unwilling to remove the accounts from your credit bureau report We hope this information is helpful Should you have any further questions or concerns, please contact our Account Protection (Fraud) department at ###-###-#### (TDD/TTY ###-###-####) They would be happy to assist you Sincerely, KaiM [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me. Regards, [redacted]
It doesn't address my complaint and the fact that they are lying and fraudulently claiming to be from Google to get my information or patronage. All their response does is restate my complaint and then claim that I need to provide my customer information for them to resolve my complaint. I'm not their customer and never have been and haven't ever heard of this company--their letter claiming they need my customer information is a farce. The response doesn't address their actions at all. My biggest concern is for all consumers who fall victim to their deceitful approach and whatever scams they are perpetrating and who regularly receive their telemarketing calls using their false advertising tactics at best (and potential phishing tactics for identity theft or other dishonest purposes). Regards, [redacted]
Because they are lying!!! It has nothing to do with my Complaint!!! Did anyone even read it???!!! I paid my bill in full early!!! THEY HELD MY CHECK & CASHED IT AFTER IT WAS DO!!! CROOKS WHO STEAL PEOPLES MONEY!!! AND I WANT WHAT THEY STOLE FROM ME BACK!!! [redacted]
July 6, MrSeton TGoddardNorth 6th StreetDe Pere, WI 54115-RE: PotteryBarn Credit Card Account Ending In 3657Better BusinessBureau Complaint ID #Dear MrGoddard: We received your additional complaint,addressed to the Revdex.com, regarding the account referencedabove Comenity Bank issues Pottery Barncredit 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 concernsWe understand your concerns regarding thebalance on your account We furtherunderstand that you state you have returned the purchases that were applied toyour account in October 2014, but have not received credit I apologize for any inconvenience this mattermay have caused youPlease be advised, we are unable to locateany correspondence from you regarding the proof of the return that you statewas sent in March Please provide mewith a copy of the return credit slip, so that I may further research yourconcerns Information may be sent to myattention at the address listed above, or by fax at 1-614-729-We hope this information is helpful Should you have any other questions orconcerns regarding this account, please feel free to contact me at1-800-675-5685, ext(TDD/TTY 1-800-695-1788) I will be happy to assist youSincerely, Ashley HughesConsumer Relations Specialist CC: BetterBusiness Bureau Tell us why here
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding an inquiryreporting on your credit bureauAs the bank that issues various credit card accounts, we arehere to assist with all account-related questions or concernsYour correspondence wasforwarded to my attention for review, and I appreciate the opportunity to respond to yourconcerns.We understand from your complaint that Comenity Bank pulled your credit report without yourconsentYou spoke with [redacted] on November 26, 2014, about an inquiry that wasplaced on your Equifax credit report [redacted] sent a special letter stating that all three creditbureaus will be notified of the deletion of the inquiry, but as of June 1, 2015, the inquiry stillexists on your Equifax credit reportYou would like the inquiry removed from your Equifaxcredit report, and to send you a letter by mail confirming this has been completed.Our records indicate that we have previously responded to this issueEnclosed, please find ourcorrespondence sent on November 26, A copy of this response is attached for yourrecords.Please be advised, due to their compliance policies, the credit bureaus do not delete inquiriesfrom a consumer's credit bureau reportHowever, when the Bank requests that an inquiry beremoved, the credit bureaus will change it to a soft inquiryThis means that the inquiry onlyappears when the consumer pulls his or her own credit reportA sofl inquiry does not appearon a consumer's credit report that is provided to a lender or any other authorized party, and itdoes not impact the consumer's credit scoreTherefore, you will continue to see the inquiry onyour credit report, but it will not be visible to anyone else who may pull your credit report.I hope this information is helpfulShould you have any further questions, please contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] *** Consumer Relations Specialist
Yes the case has been resolved Brylane Home wrote off what I thought were unfair charges (after I paid for the merchandise.) They even invited me to open another account (appreciate my business) Thank you very much for your help I believe they would have continued to harass me with phone calls a day if you hadn't intervenedSincerely, [redacted]
Dear Ruby [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that on June 23, 2017, you spoke with three representatives and were informed that there was nothing the Bank could do for youYou feel the last representative you spoke with did not careYou state that you closed the account and the account was charged two additional late feesYou request the account be closed as you previously requested, and for all the fees to be removedI am happy to share my findings We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate a billing statement was issued April 20, 2017, with a balance of $and a minimum payment of $due by May 16, Due to no payment received by the due date, a late fee and finance charge were assessed to the accountA payment was received on May 17, 2017, in the amount of $ A billing statement was issued May 21, 2017, with a balance of $and a minimum payment of $due by June 16, Due to no payment received a late fee and finance charge were assessed An additional billing statement was issued June 20, 2017, with a balance of $and a minimum payment of $due by July 16, On June 23, 2017, you contacted the Bank regarding the late feesDuring this call you were informed that due to the account being closed, the late fees were not eligible to be removed Please be advised that the Bank fees assessed were validWe respectfully decline your request to remove the fees The account was closed per your request on May 18, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Dear [redacted] We received the complaint that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues Ann Taylor/LOFT 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 concernsWe understand your concerns as explained in your correspondence You state that you purchased a dress online from Ann Taylor You returned the dress on September 27, 2015, the clerk accepted the dress and in exchange you received a receipt that stated “Return” $34.00, indicating a credit to your Ann Taylor/LOFT charge card; however, as of February 8, 2016, no credit has been applied to the account In addition, you sent a letter with a copy of the receipt and have been in communication with customer service; they advised more time is needed You request the return to be processed and a refund check issued to you Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings belowOur records indicate that your inquiry was previously received and a response was issued to you on November 9, We have enclosed a copy of our response for your records After reviewing your return receipt, we find that the return on September 27, 2015, was applied to your debit card ending in As this return transaction was applied to your debit card, you will not see a $credit reflected on your Ann Taylor/LOFT account.Bank records indicate the account was closed, per your request, on February 13, 2016, with a zero balanceIf you have any other questions regarding this return we suggest that you contact the store where the transaction was processed We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you We hope this information is helpful Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); I will be happy to assist youSincerely,Tionna M [redacted]
My boyfriend filled out the necessary paperwork at his bank and got his money backI returned some items while using my old account with Victoria Secret and he received creditI paid off my both billsI just received two billing statements with the amounts I owed in questionThe $and the $RIGHT AFTER paying themI do not remember the customer service rep's name and I didn't speak with a comenity bank associate for fear of being rudely treatedI do not understandI can't use my cardAll of my recent purchases using my new card have been cancelled Regards, [redacted]
Dear [redacted] *** Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit card accountWe are here to answer your questions and assist with your concernsYour complaint states that you paid your account off in full in November 2016; however, you are still receiving statements showing a balance is still owingYou are requesting that the fees be waived to bring the balance to zero and to close your accountWe understand your concerns, and apologize for any frustration or inconvenience this may have caused youBank records indicate that on October 12, 2016, a statement was issued to your showing a balance of $The Bank received a payment of $on November 3, Furthermore, on November 11, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due December 7, The Bank did not receive a payment and as a result, a late fee was assessed to your accountPlease be advised that billing statements continued to be sent to youThe Bank received a payment of $on January 12, The Bank has not received any other payments after that and as a result, late fees were assessed to your accountBank records further indicate that your account has already received three courtesy late fee credits and is not 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 validPlease be advised that as you have requested, the Bank has closed the accountThe Bank is only willing to remove or change information that our company incorrectly furnished to the credit-reporting agenciesWe have found the information we reported is an accurate reflection of the payment history for your accountTherefore, this information will not be changed or removed from your credit bureau reportI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny Wh
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Ultamate Rewards credit cardWe are here to answer your questions and assist with your concernsYou state you paid your bill in full in April 2017; however, you continue to get harassed, and receive bills from the Bank, consisting of service feesYou are requesting to have your account adjusted, and your credit report repairedWe sincerely apologize for any frustration or inconvenience this matter may have caused youPlease keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card AgreementOn March 25, 2017, a billing statement was issued reflecting a balance of $78.22, with a minimum payment of $due by April 20, On April 22, 2017, a payment of $posted to the account; however, because the payment was received after the due date, a late fee and a finance charge were assessed to the accountStatements continued to be issued monthly, and as no additional payments were received, late fees and finance charges continued to be assessed to the accountThe Bank made the decision to no longer hold you responsible for the remaining account balanceIn the interest of customer service, we issued credits totaling $to remove the previously assessed late fees and finance chargesAs of the date of this correspondence, the account balance is zeroNotification has been sent to the credit reporting agencies with instructions to remove the negative payment information from your credit bureau reportPlease allow up to days for the credit reporting agencies to update their recordsI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Laura R [redacted]
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding your TALBOTS credit card accountComenity Bank issues TALBOTS credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from the complaint that you purchased a dress from Talbots and then returned the dress following the required proceduresYou state that you were billed for the shipping which you accepted and paidYou further state that you were incorrectly billed $27.00, which you paid; however, Comenity Bank then credited the $to your accountNow you are receiving a statement for $and your credit is being affected because you are being reported as delinquentYou would like a billing adjustment and for a correction to be sent to the credit bureaus to reflect as not being delinquentWe understand your concerns and apologize for any frustration this matter may have caused.After a thorough review of the above-referenced account, records indicate on March 21, 2016, a purchase of $152.04, for Novelty Sheath, was charged to the accountOn April 13, 2016, the Novelty Sheath was returned and the account was credited $Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, any applicable tax and shipping and handlingWhen the merchandise is returned, Talbots will credit your account for the cost of the merchandise and tax onlyIn addition, if you use the return label for your return, the cost of the return label is billed to your account to cover the cost of the return shipping and handling.Records further indicate that on April 13, 2016, a payment of $was receivedLastly, on April 13, 2016, Talbots charged a $shipping fee for the return shipping.A billing statement was issued on April 20, 2016, indicating a balance of $6.95, with a payment of $due by May 16, Since you are a paperless customer, a Statement Ready Email was sent to you on April 24, 2016, to advise you your statement was available on Account CenterAs no payment was received, a late fee of $was assessed to the account.Although there were no Bank errors, in the interest of customer service, we issued credits for the previously assessed Bank feesAdditionally, a credit of $was issued to the account for the return label feeFurthermore, we spoke to Talbots on your behalf and are happy to share that Talbots agreed to issue a refund in the amount of $for the shipping and handling that was assessed.The credits issued to your account have resulted in a credit balance on your accountA refundcheck will be issued and should arrive in the next 7-business days.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the 30-day delinquency that was reported for May 2016, regarding yourTALBOTS accountPlease allow the credit-reporting agencies days to update their records.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Ashley R***
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bankissues the Carson’s credit cardWe are here to answer your questions and assist with your concerns.We understand from your correspondence that you placed an online order December 20, 2016, in the amount of$223.37, but the merchandise was never delivered.Please be advised Comenity Bank and Carson’s are two separate entitiesComenity Bank is responsible foraddressing questions related to the Carson’s credit card accounts, while Carson’s is responsible for handlingmatters related to sales, merchandise processing, returns, shipping, and merchandise quality.We previously received and responded to your concerns through our Dispute Department regarding this samematterPlease find enclosed, copies of our previous responses sent to you on February 16, 2017, and April 10,2017.After a thorough investigation, Bank records indicate on December 20, 2016, an online mail order for $223.37billed to your accountPlease find enclosed a copy of the FedEx Tracking provided by Carson’s, confirming themerchandise was delivered on December 22, 2016, at 7:pmBecause Carson’s was able to provide proof thatthe item was delivered by FedEx, the charge is considered validWe have disputed the transaction on youraccount, however Carson’s is not responsible for stolen merchandiseFor further assistance with your concern,please contact FedEx directly at ###-###-#### to file a disputeYou may also want to contact your personalinsurance company to see if you can file a claim for the stolen merchandise.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Shelley A***
Dear Rita Paul:Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the DentalFirst credit accountWe are here toanswer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matterPlease find enclosed a copy of our response sent to you onJune 13, 2017.As of the date of this letter, the balance on the account is $Your next billing statement willbe issued to you on June 24, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S
*Renee S
*Compliance Dept– Consumer ResponsesEnclosurecc: Revdex.com [redacted]
Dear [redacted] ***: We received the inquiry you sent to the Revdex.com (Revdex.com), regarding the above-noted accountYour inquiry was forwarded to Comenity BankComenity Bank issues the Younkers credit card, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We understand from your correspondence to the Revdex.com that you were assessed a late fee of $after making two payments of $on May 26, 2016, and June 9, You believe these two payments should have covered the minimum payment of $which was due by June 21, We understand your concerns and would like to provide you with the following informationOn April 25, 2016, Comenity Bank generated a statement showing a balance of $1,473.74, with a minimum payment of $due by May 21, Our records reflect three payments of $each were received within this billing cycle on April 28, 2016, May 12, 2016, and May 26, On May 26, 2016, the Bank generated a new statement reflecting a balance of $1,384.35, with a minimum payment of $due by June 21, Bank records indicate we received the following payments; $on June 9, 2016, and $on June 23, Since the full amount of $was not received by the June 21, 2016, due date, your Younkers account was assessed a late fee of $ Please understand that you are required to pay at least the minimum due indicated on your statement each monthAny amount paid in excess of the minimum due will be credited to your balance for the billing period in which that payment is receivedAdditionally, please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementEnclosed are copies of your billing statements for April through July You are a valued customer and we appreciate your businessPlease be assured, as a courtesy, we have credited the late fee of $ We appreciate your continued patronage with Younkers and hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you Sincerely, Jack C [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues your Jessica London@ credit card account, and weare here to assist you with all account-related questionsI appreciate the opportunity torespond to your concerns.We understand from your complaint that you have been called and sent a bill from ComenityBankYou state you provided us with information that the account was paid and the item wasreturnedYou further state you were contacted about a bill due by another resident in yourmobile home park, and that you were being billed for another person's purchasesYou havebeen charged late feesYou state you called and asked what the bill was for, but did notreceive any resultsYou further state that you have been enrolled in the payment help center.You would like no more bills, the credit reporting updated, and no more phone calls.Please note that Jessica London and Comenity Bank are two separate entitiesThe Bankissues and is responsible for addressing questions related to the Jessica London@ credit cardaccountJessica London is responsible for handling matters related to sales, merchandiseprocessing, returns and shipping.When merchandise is ordered from Jessica London, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handlingJessica London does notrefund shipping and handling chargesIn addition, if the provided return label is used to returnthe package, the return label fee is also charged to the account.We have reviewed the account and we are happy to share our findingsPlease 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.Please note that there is no record of charges being added to your Jessica London@ credit card,that are not your own, or where we attempted to contact you in regards to another person's bill.WHAT IS THE PAYMENT HELP CENTER?A Website that increases payment options for delinquent customers, as well as providesgreater customer satisfactionCustomers will be able to make payments on delinquentaccounts utilizing this website.There is no fee to make a payment online through the Payment Help Center.The Bank has reviewed the applicable phone conversationsWe apologize if you felt that youdid not receive the best customer serviceIt is never the Bank's intention to treat our customersin a less-than-satisfactory mannerComenity Bank is committed to providing the best customerservice and is disappointed when a customer feels that this standard was not met.Although we find the balance to be valid, in the interest of customer serviceComenity Bank isnot holding you responsible for the remaining balance of $Due to this account beingreported as a write off Comenity Bank sent a request to the national credit-reporting agenciesto delete the account from your credit report in its entiretyPlease allow up to days for thisinformation to be updated in their records.Please be assured that we have updated our records and you should not receive any furthertelephone calls at the telephone numbers ending in and from Comenity Bank.regarding your Jessica London@ account.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R [redacted]
Dear Ms [redacted] We received correspondence from the Revdex.com regarding the above-mentionedapplicationComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here toassist you with your account/application-related questionsYour correspondence was forwarded tomy attention, and I appreciate the opportunity to assist you.I understand your concerns regarding the VICTORIA’S SECRET application that was submitted inyour name, and I apologize for the inconvenience and frustration this matter may have caused you.Bank records show that a VICTORIA’S SECRET credit card application was received on August 25,2016, in the name of Rosemarie SciarronePlease be assured that the Bank actively monitorsapplications for suspicious activitySince the application submitted in your name met certain criteria,the Bank sent you a letter, which you enclosed with your complaintPlease be assured that noVICTORIA’S SECRET credit card account was opened in your name, and we did not locate any otheropen credit card accounts in your name with the Bank.Since you state that you did not apply for an account, we sent a request to the credit-reporting agenciesto remove the inquiry that was generated as a result of the applicationPlease allow days for thecredit-reporting agencies to update their records.Due to their compliance policies, the credit bureaus do not delete inquiries from a consumer’s creditbureau reportHowever, when the Bank requests that an inquiry be removed, the credit bureaus willchange it to a soft inquiryThis means that the inquiry only appears when the consumer pulls his orher own credit reportA soft inquiry does not appear on a consumer’s credit report that is provided toa lender or any other authorized party, and it does not impact the consumer’s credit scoreTherefore,you will continue to see the inquiry on your credit report, but it will not be visible to anyone else whomay pull your credit report.If you feel you have been a victim of identity theft, we encourage you to place a fraud alert on yourcredit fileWhen a fraud alert is present on your credit file, a lender must contact you at the telephonenumber you provide on the alert, prior to opening any credit accountYou may contact any one of thecredit-reporting agencies to add a fraud alert to your credit fileThe agency you contact will notify theother agenciesYou may reach the credit-reporting agencies using the following information:Experian (TRW) PO Box Experian ParkwayAllen, TX - 0036###-###-####TransUnion (TRU)PO Box 390Springfield, PA - 0390###-###-####Equifax (CBI)PO Box 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope that this information is helpfulShould you have any additional questions or concerns, pleasecontact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] :We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts Comenity Bank issues LOVELOFT MasterCard® and ANN TAYLOR MasterCard® 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 concernsWe understand your concerns as explained in your correspondence You were upgraded to a MasterCard® account; you always paid on time and used to pay at the store When your account fell past due it was sent to another company to be collected You made a payment of $to a company called Improved Data Services You are concerned you may have been scammed and you are requesting your money back; a letter stating that the Ann Taylor store was closed and moved out of the Galleria Mall and the other store went bankrupt Please be advised Comenity Bank and ANN TAYLOR /LOVELOFT are two separate entities Comenity Bank is responsible for addressing questions related to ANN TAYLOR /LOVELOFT credit card accounts, while ANN TAYLOR /LOVELOFT is responsible for addressing questions related to their stores location and operation.Our records indicate that the LOVELOFT MasterCard® account was opened on October 4, 2008, and the ANN TAYLOR MasterCard® account was opened on April 13, Use of the accounts, or failure to close the accounts 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 Please be advised that finance charges are assessed to the account each month if the previous statement balance is not paid in full, as indicated in the CCARegarding the LOVELOFT MasterCard® account; the last purchase of $was made on January 10, 2015, and the last payment of $was received on July 28, As no further payments were received, on November 2, 2015, the account was permanently closed and written-off, due to non-payment, with a balance of $4,002.12.Regarding the Ann Taylor MasterCard® account; the last purchase of $was made on September 10, 2011, and the last payment of $was received on May 27, As no further payments were received, on January 2, 2016, the account was permanently closed and written-off, due to non-payment, with a balance of $1,187.12.The Bank sold the LOVELOFT MasterCard® account on November 19, 2015, and the ANN TAYLOR MasterCard® account on January 19, 2016, to Southwestern Investor Group For any additional information about the accounts, you may contact Southwestern Investor Group at ###-###-####.Please be advised that the Bank is unable to refund your payment of $500.00, as it was not paid to Comenity Bank If you believe the payment was made to an unauthorized party, please review the transaction with your financial institutionWe sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter We hope you find this information helpful Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Tionna M [redacted]
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts Comenity Bank issues EXPRESS, J.Crew, NEW YORK & COMPANY and VICTORIA’S SECRET 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 assist you We understand from your complaint that you opened an EXPRESS, NEW YORK & COMPANY and VICTORIA’S SECRET account with Comenity Bank You state that after making purchases, you were sent a letter regarding suspicious activity and all three accounts, as well as the J.Crew account, were closed You state that you offered the information that was requested, but were unable to send in the documentation due to a family emergency You state you were advised that nothing could be done At this time you request that the accounts are reinstated, or that the accounts are removed from your credit report I am happy to share my findings Bank records indicate that the above-referenced accounts were opened in March On June 14, 2016, letters were sent advising that there was potential security concerns and or/irregular credit card transactions and the accounts were suspended for purchases, until an investigation was completed At this time you were advised to send in identification documents Due to not receiving the requested information within days, the accounts were permanently closed Please be advised the accounts cannot be reopened Due to no Bank errors, we are unwilling to remove the accounts from your credit bureau report We hope this information is helpful Should you have any further questions or concerns, please contact our Account Protection (Fraud) department at ###-###-#### (TDD/TTY ###-###-####) They would be happy to assist you Sincerely, KaiM [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me. 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]
It doesn't address my complaint and the fact that they are lying and fraudulently claiming to be from Google to get my information or patronage. All their response does is restate my complaint and then claim that I need to provide my customer information for them to resolve my complaint. I'm not their customer and never have been and haven't ever heard of this company--their letter claiming they need my customer information is a farce. The response doesn't address their actions at all. My biggest concern is for all consumers who fall victim to their deceitful approach and whatever scams they are perpetrating and who regularly receive their telemarketing calls using their false advertising tactics at best (and potential phishing tactics for identity theft or other dishonest purposes). Regards, [redacted]
Because they are lying!!! It has nothing to do with my Complaint!!! Did anyone even read it???!!! I paid my bill in full early!!! THEY HELD MY CHECK & CASHED IT AFTER IT WAS DO!!! CROOKS WHO STEAL PEOPLES MONEY!!! AND I WANT WHAT THEY STOLE FROM ME BACK!!! [redacted]
July 6, MrSeton TGoddardNorth 6th StreetDe Pere, WI 54115-RE: PotteryBarn Credit Card Account Ending In 3657Better BusinessBureau Complaint ID #Dear MrGoddard: We received your additional complaint,addressed to the Revdex.com, regarding the account referencedabove Comenity Bank issues Pottery Barncredit 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 concernsWe understand your concerns regarding thebalance on your account We furtherunderstand that you state you have returned the purchases that were applied toyour account in October 2014, but have not received credit I apologize for any inconvenience this mattermay have caused youPlease be advised, we are unable to locateany correspondence from you regarding the proof of the return that you statewas sent in March Please provide mewith a copy of the return credit slip, so that I may further research yourconcerns Information may be sent to myattention at the address listed above, or by fax at 1-614-729-We hope this information is helpful Should you have any other questions orconcerns regarding this account, please feel free to contact me at1-800-675-5685, ext(TDD/TTY 1-800-695-1788) I will be happy to assist youSincerely, Ashley HughesConsumer Relations Specialist CC: BetterBusiness Bureau Tell us why here
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding an inquiryreporting on your credit bureauAs the bank that issues various credit card accounts, we arehere to assist with all account-related questions or concernsYour correspondence wasforwarded to my attention for review, and I appreciate the opportunity to respond to yourconcerns.We understand from your complaint that Comenity Bank pulled your credit report without yourconsentYou spoke with [redacted] on November 26, 2014, about an inquiry that wasplaced on your Equifax credit report [redacted] sent a special letter stating that all three creditbureaus will be notified of the deletion of the inquiry, but as of June 1, 2015, the inquiry stillexists on your Equifax credit reportYou would like the inquiry removed from your Equifaxcredit report, and to send you a letter by mail confirming this has been completed.Our records indicate that we have previously responded to this issueEnclosed, please find ourcorrespondence sent on November 26, A copy of this response is attached for yourrecords.Please be advised, due to their compliance policies, the credit bureaus do not delete inquiriesfrom a consumer's credit bureau reportHowever, when the Bank requests that an inquiry beremoved, the credit bureaus will change it to a soft inquiryThis means that the inquiry onlyappears when the consumer pulls his or her own credit reportA sofl inquiry does not appearon a consumer's credit report that is provided to a lender or any other authorized party, and itdoes not impact the consumer's credit scoreTherefore, you will continue to see the inquiry onyour credit report, but it will not be visible to anyone else who may pull your credit report.I hope this information is helpfulShould you have any further questions, please contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, [redacted] *** Consumer Relations Specialist
Yes the case has been resolved Brylane Home wrote off what I thought were unfair charges (after I paid for the merchandise.) They even invited me to open another account (appreciate my business) Thank you very much for your help I believe they would have continued to harass me with phone calls a day if you hadn't intervenedSincerely, [redacted]
Dear Ruby [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that on June 23, 2017, you spoke with three representatives and were informed that there was nothing the Bank could do for youYou feel the last representative you spoke with did not careYou state that you closed the account and the account was charged two additional late feesYou request the account be closed as you previously requested, and for all the fees to be removedI am happy to share my findings We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate a billing statement was issued April 20, 2017, with a balance of $and a minimum payment of $due by May 16, Due to no payment received by the due date, a late fee and finance charge were assessed to the accountA payment was received on May 17, 2017, in the amount of $ A billing statement was issued May 21, 2017, with a balance of $and a minimum payment of $due by June 16, Due to no payment received a late fee and finance charge were assessed An additional billing statement was issued June 20, 2017, with a balance of $and a minimum payment of $due by July 16, On June 23, 2017, you contacted the Bank regarding the late feesDuring this call you were informed that due to the account being closed, the late fees were not eligible to be removed Please be advised that the Bank fees assessed were validWe respectfully decline your request to remove the fees The account was closed per your request on May 18, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Dear [redacted] We received the complaint that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues Ann Taylor/LOFT 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 concernsWe understand your concerns as explained in your correspondence You state that you purchased a dress online from Ann Taylor You returned the dress on September 27, 2015, the clerk accepted the dress and in exchange you received a receipt that stated “Return” $34.00, indicating a credit to your Ann Taylor/LOFT charge card; however, as of February 8, 2016, no credit has been applied to the account In addition, you sent a letter with a copy of the receipt and have been in communication with customer service; they advised more time is needed You request the return to be processed and a refund check issued to you Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings belowOur records indicate that your inquiry was previously received and a response was issued to you on November 9, We have enclosed a copy of our response for your records After reviewing your return receipt, we find that the return on September 27, 2015, was applied to your debit card ending in As this return transaction was applied to your debit card, you will not see a $credit reflected on your Ann Taylor/LOFT account.Bank records indicate the account was closed, per your request, on February 13, 2016, with a zero balanceIf you have any other questions regarding this return we suggest that you contact the store where the transaction was processed We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you We hope this information is helpful Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); I will be happy to assist youSincerely,Tionna M [redacted]