Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been unable to make a payment since November 3, 2017, due... to loss of employment. You indicate your intention of paying off the debt, and request the Bank consider adjusting some of the late fees and finance charges that have been assessed. You also indicate you did not receive rewards available to Torrid cardholders, such as a discount on the first purchase.Thank you for contacting us to assist you with this account. Unfortunately, the account is ineligible for late fee and/or finance charge credits at this time. However, we want to share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at (800) 388-2227.Regarding your concern about the benefits applied on previous purchases, please note Comenity Bank and Torrid are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Torrid is responsible for handling matters related to sales, merchandise processing, returns and shipping. For information and questions regarding the Torrid INSIDER Rewards program, refer to www.torrid.com/insider or call (877) 998-6774.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Rachel R [redacted] Compliance Dept. – Consumer Responsescc: RevDex.com
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 Mr [redacted] Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues Orbitz Rewards Visa@ accounts and we respondto all account-related questionsYour complaint was forwarded to my attention, and Iappreciate this opportunity to assist you.We understand from your compliant that the Bank closed your account shortly after you applied.You are asking that the Bank reopen the account or open a new account.Bank records indicate that your Orbitz Rewards Visaaccount was closed effective January 6,The account was closed due to recent excessive inquiries on your credit reportPleasenote the Bank may periodically review accounts to determine their eligibility to remain active, asexplained in the Credit Card Agreement (CCA)Please be advised the Bank is unwilling toreopen this account at this time.We sincerely apologize for any inconvenience this matter may have caused you and hope thatyou find this information to be helpfulShould you have any further questions, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely,Rosa M [redacted]
Dear Ms. [redacted] :We received your complaint, addressed to the RevDex.com, regarding the accountreferenced above. Comenity Bank issues Roaman's@ credit card accounts, and we are here toassist you with all account-related questions. 1 appreciate the opportunity to respond to... yourconcerns.We understand from your complaint that you state this is your second letter of dispute. Youfurther state you paid off your balance in January of 2015, with your payment of $139.23 andyou requested to be removed from our mailing list.Bank records indicate you have placed multiple orders with Roaman's that you charged to yourRoaman's@ credit card account. I have enclosed copies of your billings statements which showthe account activity that comprised the account balance.Bank records indicate a billing statement was sent to you on January 11, 2015, reflecting abalance of $233.71, and a payment of $20.00 due by February 6, 2015. This statementincluded your return credit of $94.98,w hich posted to your account on January 4. 2015.The Bank received your payment of $139.23 on January 30, 2015. As this payment did notsatisfy the full balance, billing statements continued to be issued. As no further payments werereceived, late fees and finance charges were assessed to the account, pursuant to theguidelines of the Credit Card Agreement. A ~opyof the CCA has also been enclosed for yourrecords.On September 10, 2015, your Roaman'sQ account was written off, as an unpaid debt, andreported to the national credit-reporting agencies with a balance of $306.78. This informationcould remain on your credit report for seven years.Please be aware, the Bank has no record of receiving a letter from you in April of 2015.As you requested, you have been removed from our mailing list. Please allow up to six weeksfor the mailings to stop.If you would like to negotiate a settlement on this account, please contact our Recovery team at###-###-####.If you have further questions regarding the orders billed to your account, please contactRoaman's at ###-###-####.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. We apologize if you felt that you did not receive the best customer service. It isnever the Bank's intention to treat our customers in a less-than-satisfactory manner. ComenityBank is committed to providing the best customer service and is disappointed when a customerfeels that this standard was not met.I hope this information is helpful. If you have further questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R [redacted]
we have to agree to disagree on the balance of my Kay jewelers account. Comenity/Kay jewelers are robbing me of over $500 and I'm choosing to cut my losses because unfortunately most of my payments have been cash payments and since I can't come up with all my receipts comenity is not able to help. Nothing was resolved. Rosa M [redacted] never once tried to contact me via phone and she was the one who was doing the investigation. You can close this case because since October 17th I have disputed this balance and it is now February 16th and have gotten no where but more stressed out than anything because of this. I've cut my losses and am moving forward. Never again will I bank with Kay jewelers or comenity. My last phone call with comenity they told me that I should be filing a complaint against Kay jewelers.....I'm all set with this being misguided with information. I give up
I noticed a hard inquiry on my equifax credit report. I had this inquiry already removed from the other 2 reporting credit agencies in the past, and would like this to be removed from my equifax account as well. it was already discovered to be corrected and removed from the bbb.I would like this hard inquiry to be removed from my equifax credit report please.
We received notification that the financial monthly payment was fixed/adjusted correctly and now, received yet another bill for almost 40$ over the "adjusted" amount.Please help and advise! [redacted] ###-###-####
I requested that the trade line be deleted from my creditnot for the delinquencies to be updatedI work in finance I understand how credit works.the lane Bryant account showing as closed on my credit affects my credit negatively I want the entire trade line deleted Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Williams Sonoma Visa® credit cardWe are here to answer your questions and assist with your concerns.We understand from your correspondence, you made a $purchase and did not receive your statementsAfter noticing an issue on your credit report, the account was paid; however, the account was charged late fees and finance chargesYou are requesting a refund of the fees, and the account closed.Bank records indicate that the Williams Sonoma *** account was opened on June 22, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and fees.The account billed on March 26, 2017, with a balance of $and a minimum payment of $due by April 21, As no payment was received, the account was assessed late fees and finance charges.Our records further indicate your statements were sent electronicallyPlease be advised statement ready email (SRE), notifications were sent to [redacted] , which is the e-mail address you providedThe Bank has no record of your SRE notifications being returned as undeliverable.On June 1, 2017, a payment of $was receivedOn June 2, 2017, a $late fee and a $finance charge were waived, as a courtesy.In the interest of customer service, the Bank issued an additional credit of $for the late fee that was previously assessed to your accountAs a result of the credit balance on the account, we have issued a refund check for $Please allow up to business days to receive the check, which will be mailed separately from this correspondence.We have also contacted the national credit-reporting agencies and requested to have the negative payment history that was reported for May 2017, deleted from your credit bureau reportPlease allow the credit agencies days to update their records.As requested, the account was closed on June 16, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Tionna M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com
Dear Ms. [redacted] :We received your complaint, addressed to the RevDex.com, regarding the above-referencedaccount. Comenity Capital Bank issues BLAIR credit card accounts, and we are here to help withaccount-related questions. Your complaint, sent on behalf of your aunt Joan Belkay, was... forwarded to myattention, and I appreciate the opportunity to assist you.You state that your aunt passed away in September 2015, and you are the excetrix of her estate. Youcalled to inform the Bank that you would be paying the balance; however, you were informed not to pay thebalance until you received paperwork from the Bank requesting her death certificate and your letter oftestamentary. You further state, you never received this letter, and you called the Bank monthly to inquireabout this, and about the late fees that were being assessed. On January 19, 2016, when you spoke witha representative of the Bank, you were told that you only had to pay $28.92. Although you paid the $28.92,a balance remained, and when you called the Bank to check on this matter you were informed by therepresentative that because your name was not listed on the account, we could not speak with you. Youare requesting for the late fees to be removed. We sincerely apologize for any frustration or inconveniencethis matter may have caused you.Please accept my condolences on the loss of your aunt. We understand that this must be a difficult timefor you and your family.Thank you for speaking with me on March 9, 2016, and thank you for providing me your aunt's letter oftestamentary. Please be assured, the above-referenced account has been notated accordingly, and theaccount has been closed.The Bank has issued credits totaling $116.77 to remove the previously assessed late fees and financecharges. The credits have posted and brought the account to a zero balance.Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of yourconcerns. Comenity Capital Bank strives to provide each of our customers with an excellent customerservice experience, and we truly regret that you received less than that.We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Laura R [redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveCmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We understand from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clientsYou then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statementsand you were unable to pay onlineIn December,you paid three months' worth of payments plus late feesYou are concerned your balance isincorrectYou state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,Below is a summary of our conversationand information regarding the BanK's actions in regard to this matter.On June 12, the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with youAdditionally, theyrequested to have any future correspondence directed to the law firmTo comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by themAs such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removedPlease be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balanceEnclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer 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.As of the date of this letterthe Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be madeChoose a payment method that is right for you.Online: Online payments submitted before 8:p.mEastern Time (En can be credited to youraccount the same-dayOnline payments submitted after 8:p.mET will be credited thefollowing day (or on your future scheduled payment date)Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveIf you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone:If you need to make a payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representativeA fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representationPlease be advised we received twopayments processed via telephone while attorney representation was on the accountOnAugust 3, 2015, we received your payment of $400.00, and December 2015, we receivedyour payment of $Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activityAt this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureausAlso, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpfulIf you have any further questions, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted] : Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questions and assist with your concerns. Your correspondence indicates... your bank had issues with changing payee addresses on their online bill pay and payments were going to the old address. You received a call from the Bank, and mailed the payment in full. You are requesting a refund for the payments that were sent to the old address, including interest, and the negative marks removed from your credit report. We have reviewed the concerns mentioned in your correspondence, and would like to provide the following information. 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. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. 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, a late fee may be assessed to the account, as explained in the Credit Card Agreement. On June 28, 2017, a credit of $91.00 was issued to your account for the previously assessed late fees, and on July 25, 2017, a credit of $2.00 was issued for the minimum charge. These credits brought your account to a zero balance. On August 1, 2017, three payments totaling $103.00 were applied to your account, which resulted in a credit balance. As a result of the credit balance on the account, we have issued a refund check for $103.00. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence. Please be assured, we submitted a request to the credit reporting agencies to remove the May and June 2017 delinquency previously reported. Please allow up to 45 days for this update to appear on your credit file. 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, Tionna M*** Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your complaint, addressed to the RevDex.com, regarding the accountreferenced above. Comenity Bank issues Chadwicks® credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respondto... your concerns.We understand from your complaint that Comenity Bank processed an inquiry to your creditbureau report on February 11, 2015. You state you have never done business with our company,and you would like this account removed from your credit bureau report.In the interest of customer service, Comenity Bank will honor your request to remove the accountfrom your credit-reporting history. Notification was sent to the national credit-reporting agencieswith instructions to delete the Chadwicks® account, in its entirety, from your credit report. Pleaseallow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear Ms [redacted] : We received your additional inquiry in reference to the above mentioned credit card accountAs the bank that issues Peebles credit card accounts, we are here to assist with all account-related concernsYour correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from the correspondence, you previously requested validation of debt for the account, and you believe your Peebles accounts is reporting incorrectly as written off on your credit reportPlease note, Bank records indicate the situation referenced in your complaint was already received with the complaint you submitted to the State of Delaware, Office of the State Bank CommissionerThis matter has been investigated and a response was previously issued on September 1, 2016, explaining our findsWe have enclosed a copy of our previous response for your recordsWe hope this information is helpfulShould you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Geanine M***
The bank representative did not give me the pay off amounts.Your Victoria Secret/Limited customer service agents are the ones who have the pay off amounts over the phone and that is what information I gave the bank as well as the most current statement that I had that also was the same as the information again given to me by your customer service agents.I gave them the same information given to me by your company.Again the bank was willingly paying off my accounts for the total amounts why exactly would I give them the incorrect information.That makes absolutely no sense.You all do extremely bad business and this is not ethical for you to try and blame a customer for your representative s lack of correct information.I will continue to dispute this matter until it is handled correctly and ethically and I will also be filing a complaint with the customer financial protection bereau because this is not right.I am a nurse as well as a single mother and this matter has negatively affected my credit which in turn affects me providing for my child.You should have compassion and empathy when it was your companies incorrect information was the cause of all this!It is ridiculous that you are not willing to remove the balance as well as remove the information from my credit report when at the end of the day the only person that it is affectios my daughter and I and the information provided by your company was incorrect.It is not the banks fault it is your fault and as a company you should be willing to make it right!
Regards, *** ***
The account has not been creditedThe credit needs to go back into my daughter's checking accountPlease check on this. Also, please note, if this account is not in my name, and I can't have an account, why is the account associated with my social security number? For example, I can call in to get the account balance on this account using my social security numberLooking forward to your replyThank you
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues multiple credit cards. We are here to answer your questions and assist with your concerns We understand from your complaint that
the Bank calls you several times a week. You state the Bank is harassing you over no relation and you have no option to disengage from the harassment. I am happy to share my findings The calls placed to the telephone number likely would have been attempts by us to contact one of our customers regarding a business matter. We would like to accommodate your request, however with the information provided: your name, address and telephone number, we have been unsuccessful with locating an account connected with your complaint. If you have additional phone numbers that are being contacted, please provide us with the number(s) by either sending us correspondence to the address above or by calling ###-###-#### Sincerely, KaiM***
Please submit documentation where I signed up for paperless statements. Please provides the payment source of all payments made. Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been unable to make a payment since November 3, 2017, due... to loss of employment. You indicate your intention of paying off the debt, and request the Bank consider adjusting some of the late fees and finance charges that have been assessed. You also indicate you did not receive rewards available to Torrid cardholders, such as a discount on the first purchase.Thank you for contacting us to assist you with this account. Unfortunately, the account is ineligible for late fee and/or finance charge credits at this time. However, we want to share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at (800) 388-2227.Regarding your concern about the benefits applied on previous purchases, please note Comenity Bank and Torrid are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Torrid is responsible for handling matters related to sales, merchandise processing, returns and shipping. For information and questions regarding the Torrid INSIDER Rewards program, refer to www.torrid.com/insider or call (877) 998-6774.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Rachel R [redacted] Compliance Dept. – Consumer Responsescc: RevDex.com
I 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]
Dear Mr [redacted] Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues Orbitz Rewards Visa@ accounts and we respondto all account-related questionsYour complaint was forwarded to my attention, and Iappreciate this opportunity to assist you.We understand from your compliant that the Bank closed your account shortly after you applied.You are asking that the Bank reopen the account or open a new account.Bank records indicate that your Orbitz Rewards Visaaccount was closed effective January 6,The account was closed due to recent excessive inquiries on your credit reportPleasenote the Bank may periodically review accounts to determine their eligibility to remain active, asexplained in the Credit Card Agreement (CCA)Please be advised the Bank is unwilling toreopen this account at this time.We sincerely apologize for any inconvenience this matter may have caused you and hope thatyou find this information to be helpfulShould you have any further questions, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely,Rosa M [redacted]
Dear Ms. [redacted] :We received your complaint, addressed to the RevDex.com, regarding the accountreferenced above. Comenity Bank issues Roaman's@ credit card accounts, and we are here toassist you with all account-related questions. 1 appreciate the opportunity to respond to... yourconcerns.We understand from your complaint that you state this is your second letter of dispute. Youfurther state you paid off your balance in January of 2015, with your payment of $139.23 andyou requested to be removed from our mailing list.Bank records indicate you have placed multiple orders with Roaman's that you charged to yourRoaman's@ credit card account. I have enclosed copies of your billings statements which showthe account activity that comprised the account balance.Bank records indicate a billing statement was sent to you on January 11, 2015, reflecting abalance of $233.71, and a payment of $20.00 due by February 6, 2015. This statementincluded your return credit of $94.98,w hich posted to your account on January 4. 2015.The Bank received your payment of $139.23 on January 30, 2015. As this payment did notsatisfy the full balance, billing statements continued to be issued. As no further payments werereceived, late fees and finance charges were assessed to the account, pursuant to theguidelines of the Credit Card Agreement. A ~opyof the CCA has also been enclosed for yourrecords.On September 10, 2015, your Roaman'sQ account was written off, as an unpaid debt, andreported to the national credit-reporting agencies with a balance of $306.78. This informationcould remain on your credit report for seven years.Please be aware, the Bank has no record of receiving a letter from you in April of 2015.As you requested, you have been removed from our mailing list. Please allow up to six weeksfor the mailings to stop.If you would like to negotiate a settlement on this account, please contact our Recovery team at###-###-####.If you have further questions regarding the orders billed to your account, please contactRoaman's at ###-###-####.The Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. We apologize if you felt that you did not receive the best customer service. It isnever the Bank's intention to treat our customers in a less-than-satisfactory manner. ComenityBank is committed to providing the best customer service and is disappointed when a customerfeels that this standard was not met.I hope this information is helpful. If you have further questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R [redacted]
we have to agree to disagree on the balance of my Kay jewelers account. Comenity/Kay jewelers are robbing me of over $500 and I'm choosing to cut my losses because unfortunately most of my payments have been cash payments and since I can't come up with all my receipts comenity is not able to help. Nothing was resolved. Rosa M [redacted] never once tried to contact me via phone and she was the one who was doing the investigation. You can close this case because since October 17th I have disputed this balance and it is now February 16th and have gotten no where but more stressed out than anything because of this. I've cut my losses and am moving forward. Never again will I bank with Kay jewelers or comenity. My last phone call with comenity they told me that I should be filing a complaint against Kay jewelers.....I'm all set with this being misguided with information. I give up
I noticed a hard inquiry on my equifax credit report. I had this inquiry already removed from the other 2 reporting credit agencies in the past, and would like this to be removed from my equifax account as well. it was already discovered to be corrected and removed from the bbb.I would like this hard inquiry to be removed from my equifax credit report please.
We received notification that the financial monthly payment was fixed/adjusted correctly and now, received yet another bill for almost 40$ over the "adjusted" amount.Please help and advise! [redacted] ###-###-####
I requested that the trade line be deleted from my creditnot for the delinquencies to be updatedI work in finance I understand how credit works.the lane Bryant account showing as closed on my credit affects my credit negatively I want the entire trade line deleted Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Williams Sonoma Visa® credit cardWe are here to answer your questions and assist with your concerns.We understand from your correspondence, you made a $purchase and did not receive your statementsAfter noticing an issue on your credit report, the account was paid; however, the account was charged late fees and finance chargesYou are requesting a refund of the fees, and the account closed.Bank records indicate that the Williams Sonoma *** account was opened on June 22, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicated your acceptance of the terms of the Agreement, including the assessment of any finance charges and fees.The account billed on March 26, 2017, with a balance of $and a minimum payment of $due by April 21, As no payment was received, the account was assessed late fees and finance charges.Our records further indicate your statements were sent electronicallyPlease be advised statement ready email (SRE), notifications were sent to [redacted] , which is the e-mail address you providedThe Bank has no record of your SRE notifications being returned as undeliverable.On June 1, 2017, a payment of $was receivedOn June 2, 2017, a $late fee and a $finance charge were waived, as a courtesy.In the interest of customer service, the Bank issued an additional credit of $for the late fee that was previously assessed to your accountAs a result of the credit balance on the account, we have issued a refund check for $Please allow up to business days to receive the check, which will be mailed separately from this correspondence.We have also contacted the national credit-reporting agencies and requested to have the negative payment history that was reported for May 2017, deleted from your credit bureau reportPlease allow the credit agencies days to update their records.As requested, the account was closed on June 16, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Tionna M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com
Dear Ms. [redacted] :We received your complaint, addressed to the RevDex.com, regarding the above-referencedaccount. Comenity Capital Bank issues BLAIR credit card accounts, and we are here to help withaccount-related questions. Your complaint, sent on behalf of your aunt Joan Belkay, was... forwarded to myattention, and I appreciate the opportunity to assist you.You state that your aunt passed away in September 2015, and you are the excetrix of her estate. Youcalled to inform the Bank that you would be paying the balance; however, you were informed not to pay thebalance until you received paperwork from the Bank requesting her death certificate and your letter oftestamentary. You further state, you never received this letter, and you called the Bank monthly to inquireabout this, and about the late fees that were being assessed. On January 19, 2016, when you spoke witha representative of the Bank, you were told that you only had to pay $28.92. Although you paid the $28.92,a balance remained, and when you called the Bank to check on this matter you were informed by therepresentative that because your name was not listed on the account, we could not speak with you. Youare requesting for the late fees to be removed. We sincerely apologize for any frustration or inconveniencethis matter may have caused you.Please accept my condolences on the loss of your aunt. We understand that this must be a difficult timefor you and your family.Thank you for speaking with me on March 9, 2016, and thank you for providing me your aunt's letter oftestamentary. Please be assured, the above-referenced account has been notated accordingly, and theaccount has been closed.The Bank has issued credits totaling $116.77 to remove the previously assessed late fees and financecharges. The credits have posted and brought the account to a zero balance.Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of yourconcerns. Comenity Capital Bank strives to provide each of our customers with an excellent customerservice experience, and we truly regret that you received less than that.We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Laura R [redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveCmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We understand from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clientsYou then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statementsand you were unable to pay onlineIn December,you paid three months' worth of payments plus late feesYou are concerned your balance isincorrectYou state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,Below is a summary of our conversationand information regarding the BanK's actions in regard to this matter.On June 12, the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with youAdditionally, theyrequested to have any future correspondence directed to the law firmTo comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by themAs such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removedPlease be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balanceEnclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer 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.As of the date of this letterthe Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be madeChoose a payment method that is right for you.Online: Online payments submitted before 8:p.mEastern Time (En can be credited to youraccount the same-dayOnline payments submitted after 8:p.mET will be credited thefollowing day (or on your future scheduled payment date)Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveIf you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone:If you need to make a payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representativeA fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representationPlease be advised we received twopayments processed via telephone while attorney representation was on the accountOnAugust 3, 2015, we received your payment of $400.00, and December 2015, we receivedyour payment of $Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activityAt this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureausAlso, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpfulIf you have any further questions, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted] : Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questions and assist with your concerns. Your correspondence indicates... your bank had issues with changing payee addresses on their online bill pay and payments were going to the old address. You received a call from the Bank, and mailed the payment in full. You are requesting a refund for the payments that were sent to the old address, including interest, and the negative marks removed from your credit report. We have reviewed the concerns mentioned in your correspondence, and would like to provide the following information. 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. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. 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, a late fee may be assessed to the account, as explained in the Credit Card Agreement. On June 28, 2017, a credit of $91.00 was issued to your account for the previously assessed late fees, and on July 25, 2017, a credit of $2.00 was issued for the minimum charge. These credits brought your account to a zero balance. On August 1, 2017, three payments totaling $103.00 were applied to your account, which resulted in a credit balance. As a result of the credit balance on the account, we have issued a refund check for $103.00. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence. Please be assured, we submitted a request to the credit reporting agencies to remove the May and June 2017 delinquency previously reported. Please allow up to 45 days for this update to appear on your credit file. 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, Tionna M*** Compliance Dept. – Consumer Responses
Dear Ms. [redacted] We received your complaint, addressed to the RevDex.com, regarding the accountreferenced above. Comenity Bank issues Chadwicks® credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respondto... your concerns.We understand from your complaint that Comenity Bank processed an inquiry to your creditbureau report on February 11, 2015. You state you have never done business with our company,and you would like this account removed from your credit bureau report.In the interest of customer service, Comenity Bank will honor your request to remove the accountfrom your credit-reporting history. Notification was sent to the national credit-reporting agencieswith instructions to delete the Chadwicks® account, in its entirety, from your credit report. Pleaseallow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear Ms [redacted] : We received your additional inquiry in reference to the above mentioned credit card accountAs the bank that issues Peebles credit card accounts, we are here to assist with all account-related concernsYour correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from the correspondence, you previously requested validation of debt for the account, and you believe your Peebles accounts is reporting incorrectly as written off on your credit reportPlease note, Bank records indicate the situation referenced in your complaint was already received with the complaint you submitted to the State of Delaware, Office of the State Bank CommissionerThis matter has been investigated and a response was previously issued on September 1, 2016, explaining our findsWe have enclosed a copy of our previous response for your recordsWe hope this information is helpfulShould you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Geanine M***
The bank representative did not give me the pay off amounts.Your Victoria Secret/Limited customer service agents are the ones who have the pay off amounts over the phone and that is what information I gave the bank as well as the most current statement that I had that also was the same as the information again given to me by your customer service agents.I gave them the same information given to me by your company.Again the bank was willingly paying off my accounts for the total amounts why exactly would I give them the incorrect information.That makes absolutely no sense.You all do extremely bad business and this is not ethical for you to try and blame a customer for your representative s lack of correct information.I will continue to dispute this matter until it is handled correctly and ethically and I will also be filing a complaint with the customer financial protection bereau because this is not right.I am a nurse as well as a single mother and this matter has negatively affected my credit which in turn affects me providing for my child.You should have compassion and empathy when it was your companies incorrect information was the cause of all this!It is ridiculous that you are not willing to remove the balance as well as remove the information from my credit report when at the end of the day the only person that it is affectios my daughter and I and the information provided by your company was incorrect.It is not the banks fault it is your fault and as a company you should be willing to make it right!
Regards, *** ***
The account has not been creditedThe credit needs to go back into my daughter's checking accountPlease check on this. Also, please note, if this account is not in my name, and I can't have an account, why is the account associated with my social security number? For example, I can call in to get the account balance on this account using my social security numberLooking forward to your replyThank you
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** *** ***
Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues multiple credit cards. We are here to answer your questions and assist with your concerns We understand from your complaint that
the Bank calls you several times a week. You state the Bank is harassing you over no relation and you have no option to disengage from the harassment. I am happy to share my findings The calls placed to the telephone number likely would have been attempts by us to contact one of our customers regarding a business matter. We would like to accommodate your request, however with the information provided: your name, address and telephone number, we have been unsuccessful with locating an account connected with your complaint. If you have additional phone numbers that are being contacted, please provide us with the number(s) by either sending us correspondence to the address above or by calling ###-###-#### Sincerely, KaiM***