Dear *** ** *** Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Catherines credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the RevDex.com that you made a payment via the internet on two separate occasions and thought they went through; however, you found neither payment was credited to your accountAt that time, you called the Bank to ask why these payments did not go through and you state the Bank representative was very rudeYou were advised to pay $for three months to clear your account and you were okay with thatHowever, the representative did not make it clear to you that these payments would be automatically taken from your bank account, and you did not provide your bank information to process these paymentsThis confusion has resulted in payments being returned, and subsequently a day suspension of account utilityYou state you did not make the original mistake with the internet payments nor did you authorize the Bank to process the automatic paymentsYou request the hold on your account be removed, so you can use your card againWe 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 metIn regard to the call placed on November 22, 2016, regarding the automatic payments; the representative offered you a payment plan for three monthsAt that time, she advised you three payments would be set up for $each and will be debited on December 6, 2016, January 5, 2017, and February 5, You agreed to this payment arrangementWe found no mention of payments that were to be made at the store After a thorough review of the account, our records indicate the payment scheduled for December 6, 2016, was returned to the Bank due to insufficient fundsAdditionally, the payment scheduled for January 5, 2017, was returned to the Bank as insufficient fundsAs a result, returned payment fees were assessed, and account utility was suspended Please understand it is the policy of the Bank to suspend account utility when two or more payments are returned in a day periodWe are willing to reinstate the account after three months of on-time paymentsPlease contact us on April 13, 2017, to see if we are able to reinstate charging privilegesPlease be assured that a credit of $was applied to the account on November 5, 2016, for the late fee assessed to the account in October On March 2, 2017, a credit of $was applied to your account as this adjustment was previously promised to youAs the Bank finds the other fees to be valid, we are unwilling to remove any additional fees at this timeI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
I reviewed the response made by the business in reference to complaint ** ***, and find the resolution is satisfactory to meIn addition, I am very thankful to Comenity Bank for their understanding and resolution of my account and credit history. Kind Regards and All the best, *** ***
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the NY&C Rewards and Victoria’s Secret Angel credit cardsWeare here to answer your questions and assist with your concerns.We previously received and
responded to your correspondence submitted to the ConsumerFinancial Protection Bureau (CFPB) regarding this same matterPlease find enclosed a copy ofour response sent to you on February 7, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W***
The card on my credit report states your information and I will now go against Portfolio which has a case number of# *** as wellThis is all fraud and people need to know that Comentiy Bank does this as well as passes you off to others when they say to do all these things such as fax info etcwhich I did and now they cannot helpI want you to be involved in this since you are the ones that have the card under my name and it is ruining my credit report.Thanks
Regards, *** ***
I'm sorry I didn't get back to you sooner, but it took a while to connect with BankI finally talked to one of their representativesI did qualify for their hardship program Starting this month I'll pay $a month + 10% interest on any balance owedAlso, I found out that I must send payment in by the 15th or no later than 20th of each monthThis way I won't be late & can now meet minimum payment too.Thanks to you, I'm happy to say this is overThanks again.*** ***
Here are screen shots of the last email regarding the promotion I was chosen to receive by Comenity Bank and ***Please note it was sent to my email address
Dear Ms***Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccountComenity Bank issues meijer Mastercardm accounts and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate thisopportunity to
assist you.Your complaint indicates that you submitted your payment online for the amount of $969.36, onOctober 14, 20f4, and was never applied to your meijer Mastercard@ accountFurthermore,you are requesting to have this amount credited to your account along with the finance chargesand to have $issued as compensation.Please note Comenity Bank acquired the meijem Mastercard portfolio in November of 2014.As the payment you are referencing in your complaint was submitted prior to the date ComenityBank serviced rneijer Mastercard@ accounts, we would not be in receipt of this payment.However, in the interest of customer service Comenity Bank will issue a credit in the amount of$for the above-referenced paymentAdditionally, a credit of $has been applied tothe above-noted account for the finance charges accrued since November At this timeComenity Bank respectfully declines your request for compensation in the amount of $400.00.We apologize for the inconvenience and we hope this information is helpfulShould you haveany other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Rosa M*** *** ***
Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues Roaman'& credit card acmuntsand we arehere to assist you with all account-related questions or concernsI appreciate the opportunity
torespond to your concerns.We understand from your complaint that you placed an order with Roaman's catalog, and youreturned your order, except one itemYou have spoken to Roaman's representatives but theissue still remains unresolvedYw state Cornenity Bank is calling and harassing you, whichyou believe is because of your ageYou would like credit for all of the items you retuned.Please be advised, when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountDue to potential negativeramifications for our customers if an account remains delinquent, Comenity Bank may call youuntil our attempt to communicate is successfulThe Bank will make separate attempts for eachaccount that is delinquent.We are sorry you feel you have been discriminated againstPlease be assured Comenity Bankdoes not discriminate on any prohibited basis.Please understand that Cornenity Bank and Roaman's are two separate entitiesComenityBank is responsible for addressing questions related to Roaman's@ credit card accounts, whileRoaman's is responsible for handling matters related to sales, merchandise processing, returns,shipping, and rnerchandise quality.AdditionallyWhen a customer orders rnerchandise from Roaman's, the account is charged forthe cost of the merchandise, sales tax (if applicable), and shipping and handlingWhen themerchandise is returned, the account is credited for the merchandise and the applicable salestaxRoaman's does not refund shipping and handling chargesin addition, if the providedreturn label is used to return the package, the return label fee is charged to the Roaman'[email protected] records indicate a billing statement was sent to you on August 7, This billingstatement included two Roaman's purchases that were ordered on August 2, 2015, andprocessed to your account on August 4.2015.The fira purchase was processed for a total of $and from this order you returned everyitem, except a "black cardigan"A return credit was processed to your account on August 28,totaling $109.95.The second purchase was processed for a total of $and you returned every item fromthis orderA return credit was processed to your account on August 2015, totaling $91.97.On August 25, 2015, there was also an additional charge of $for using the return label.After these credits were processeda statement was sent on September 2015, for theremaining balance of $61.48, with a minimum of $20.00, due by October 2, This balanceconsisted of the "black cardigan", shipping and handling fees, and the return label fee.A statement was sent on October 7, This statement reflected your payment of $20.00.which was received on September 24, This statement also showed a remaining balanceof $43.48, with a minimum of $20.00, due by November 2,2015.Billing statements are being issued monthly to the above addressAs no payments have beenreceived since September 24, 2015, late fees and finance charges were assessed to theaccount, pursuant to the guidelines of the Credit Card Agreement.Although there were no bank errors found, in the interest of customer service, we have issuedcredits totaling $to remove the fees that were assessed to your accountAs of the dateof this letter, your current balance is $0.00.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to delete the negative payment information from your crecit bureau report regardingthe Roaman's@ account for the months of December and January Please allow 45days for the credit bureaus to update their records.You are a valued customer and we apologize for any confusion or frustration this matter hascaused youShould you have any further questions regarding your account, please contact meat ###-###-####, ext*** (TDD/TlTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**
My recent complaint against Comenity Nat'l Bank is in regards to my cancelled HSN card that is advertised by the Home Shopping NetworkI contacted HSN about my dispute & was baffled by their response in an email that HSN is not responsible for the HSN credit cards that they advertise on TVI began to put two & two together as I've been a repeated victim of identity theft by one person I've identified over & over again as *** ** ***There's also a reason why Comenity would not cooperate with my requests for a list of everything I bought from HSN, the charges for each item, the interest, & an explanation as to why I was being charged interestAlso, there is a reason the bill continued to be inflated after I cancelled the card in October & I wasn't buying anything anymoreThere's a reason why HSN claims no responsibility, but it's an HSN credit cardThere are many crimes *** *** has committed previouslyShe needs to be locked up in a federal prisonComenity Nat'l Bank also does business with *** ***For different reasons, I am aware that *** *** needs dental work & I suspect I'm being defrauded to foot the bill for Ms. ***,'s dental work or possibly something elseComenity Nat'l Bank appears to be trying to look me into a fraudulent never ending payment contract w/o providing the evidence I requestedI AM NOT GOING TO PAY A PENNY due to identity theft fraudI'll turn this case over to AG *** *** & the DOJI won't be talking with Comenity Nat'l Bank crooks & HSN is now implicated in criminal activity involving *** L*** a product of the State of Florida prostitution businessPlease convey this extremely serious email to Comenity Nat'l BankThank you.Sincerely,*** ***
Personal financial information was still disclosed to an unauthorized third party, without any proper verification or attempts at verification of any kind This has resulted in extensive undue harassment and embarrassment I'm requesting transcripts of every conversation with the above-mentioned third party regarding my account, or instruction on how to obtain such transcripts If my ex did in fact misrepresent himself, then proof is needed in order to proceed accordingly with him
Regards,
*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meThank you for your quick action regarding the issuesI have spoken with several department representatives from your bank, too many to name all of themThe bottom line is the entire team worked together to resolve this issue and it is now resolved I look forward to a long lasting Financial Relationship with your bank.
Regards,
*** ***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveCornenity Bank issues your Jessica London@ credit card account, and we are here to assist you withall account-related questionsI appreciate the opportunity to respond to
your concerns.We understand from your complaint, you were unaware that you were going to be charged to use the returnshipping label to return your shoes cn October of You spoke with representatives that were not able toassist youYou later received bills, but were confused because you returned your shoesYou would like thebalance to be taken care of.Please note that Comenity Bank and Jessica London are two separate entitiesThe Bank is responsible foraddressing questions retated to your credit card accountJessica London is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.The Bank has revlewed the issues in your complaint, as well as the applicable phone conversationsWeapologize if you felt that you did not receive the best customer senriceIt is never the Bank's intention to treatbur customers in 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.Thank you far speaking with me on June 22, Per our conversation, in the interest of customer service,Comenity Bank is not holding you responsible for the remaining balance on the accountWe have issuedcredit to your account to adjust your account balance to $0.00.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau reportPlease allow them days to updatetheir records.You are a valued customer and we hope this information is helpfulShould you have any further questions orconcerns, please do not hesltate to contact me at ###-###-####, ext*** (TDD/ITY ###-###-####)1would be happy to assist you.Sincerely, *** ***Consumer Relations Specialist
Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was fotwarded to myattention and appreciate
the opportunity to assist you.I understand from you complaint that you had a discussion with a Bank representative inreference to a paymentAfter the discussion, you stated that you feel that Cornenity Bank hascalled the phone number we have listed on the above noted credit card account too many times,and you feel as though the calls have become a form of harassmentPer your complaint, youare requesting that Comenity Bank cease all further contact with you.When the Bank's records show an account as delinquent, the Bank will make attempts tocontact you regarding the status of the accountMany times a payment is overlooked by thecustomer, and a reminder call is helpful to bring the account back to a current statusDue topotential negative ramifications for our customers if an account remains delinquent, ComenityBank may call you until our attempts to communicate are successful.Please be advised, Comenity Bank will honor your request to cease telephone communicationto the phone number ending in 3700; however, please understand you are still responsible forthe remaining balance on the Lane Bryant Retail credit card account.As of the date of this letter, the Lane Bryant Retail credit card account is three billing cycles pastdue, with a balance of $445.99, a minimum due of $91.00, due by July 6, 2015, and a past dueamount of $ If an account exceeds six consecutive billing cycles past due, the accountwill be closed, written off, and reported to the national credit-reporting agencies as an unpaiddebt.Customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS) organization for assistanceTheir programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your client's creditorsComenity Bank supports and participates in theprograms provided by CCCS agenciesShould you wish to obtain information regarding theirprograms and for a member agency, please contact the National Foundation for CreditCounseling at ###-###-####.We encourage you to contact our Payment Solutions team at ###-###-####, (TDD/TTY ###-###-####, to see what payment options are available to you.Sincerely,*** ***Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the KingSize credit cardWe are here to answer your questions and assist withyour concerns.We understand the concerns, as explained in your correspondenceYour purchase was supposed
tobe deferred for days, and bill to your account on March 21, However, the purchase wasapplied to your account before the deferred due date and fees were applied to the accountThe Bankpromised to credit the fees, as KingSize corrected the deferment error; however, the fees were notcreditedYou are requesting to have the fees credited.Our records indicate on February 21, 2017, you spoke with a Bank representative and were advised$would be credited to the accountRegrettably, the representative failed to complete theprocess, which resulted in the account falling past due and another late fee was applied.On behalf of the Bank, please accept my apology for the manner in which your account was handled,and that the fees were not credited, as promisedWe never intend to treat our customers in a less than-satisfactorymannerWe are committed to providing the best customer service and aredisappointed when a customer feels this standard was not metWe have taken steps to coach ourassociate in providing a more positive experience to our customers.Due to the error, we have removed the previously assessed Bank fees and Account Assure feesOncethe credits have been applied, the account balance will be $for your merchandise.Although you requested your account closed, we hope that you will continue to shop with KingSize.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***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account
Comenity Bank issues the Jessica L*** credit card accountsWe are here to answer your questions and assist with your concerns. Your correspondence states that you made a purchase with Jessica L***; however, you returned the merchandise and paid for the shipping and handlingHowever, your account was assessed late fees, which you have paid to avoid additional fees being assessedYou are requesting that the late fees be refunded to youWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Please understand, when ordering merchandise by mail, you will generally be charged for shipping and handling, as well as the cost of the merchandiseIf merchandise is returned within days, Jessica L*** will refund the cost of the merchandise, but shipping and handling charges are not refundableIf you use the Customer Return Label for your return, Jessica L*** will charge your account $when processing your return. Bank records indicate that your due date is the 12th of each monthPlease be advised that on June 16, 2017, the Bank issued a statement to you showing a balance of $with a minimum payment of $due by July 12, A return credit of $posted to your account on June 19, As a result of a payment not being received on your account, a late fee was assessed to your account. On July 17, 2017, a statement was issued indicating a balance of $with a minimum payment of $due by August 12, The Bank received your payment of $on August 22, As a result of the payment being made after your due date, a late fee was assessed to your account. On August 17, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by September 12, As a result of a payment not being received, a late fee was assessed to your account. On September 16, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by October 12, The Bank received a payment of $52.47 on September 30, 2017, which paid your balance in full. Please be advised that on August 1, 2017, the Bank issued a total credit of $for the previously assessed late fee and finance chargeComenity Bank has not found any billing errors and we are unwilling to waive any additional fees, as they are valid. I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at *** Sincerely, Jenny W***
The first phone call that was made was made prior to June 201, you are correct I was advised to call Account assure which is what I didI do understand that they are a third party but they are a third party that provides a service on your behalfThey received the requested information three times My issue is what was stated in my original complaint along with the fact that I contacted both Victoria secret and Account assure numerous times, my account would not have been sold if the insurance that I purchased was used as it was explained to meI was never offered any assistance even after I explained to Victoria secret the issue I was having with account assureSo yes, I am aware that the account must be reported with its status, but my account fell through the cracks and I’m left picking up the piecesI lost a good account and I did what was asked I sent in a WI sent in my termination letter and the other document that was asked of meI will have to contact the CFPB or Attorney general because this has costed me so muchI am not asking for any special treatment im asking for what I paid for
Regards, *** ***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that you have tried closing your Victoria’s Secret/PINK account by telephone calls and going into the storeYou discovered through credit karma that the account was still open and after calling Victoria’s Secret headquarters, you were advised that you did not have an accountYou also filed a dispute with the credit bureau; however, nothing was changedYou are asking that the account be permanently closed, corrected at the credit bureau and an apology for your experience.Please be assured that it is never our intention to cause a customer a hardshipAfter reviewing your account information at the Bank, our records indicate that you called in July 2015, and attempted to close your account via the Bank’s Interactive Voice Response (IVR), systemUnfortunately, we were unable to determine why the account did not closeAdditionally, please note that Victoria’s Secret and Comenity Bank are separate entities and Victoria’s Secret is unable to close a customer’s account.The Bank received a credit bureau dispute, on your behalf, from TransUnion in October The dispute indicated that you were disputing the account being your account, and contained no information regarding closing the accountTherefore, we verified that the account was valid and reporting correctly.Please be assured, as of the date of this letter, your Victoria’s Secret/PINK account has been closedAdditionally, we sent an emergency credit bureau update to the national credit-reporting agencies with instructions to update your recordsAlthough we asked for this to be expedited, please understand that this can take them days to update their records.Furthermore, we want to make you aware that the address listed on your complaint is different than what is listed on the Victoria’s Secret accountAlthough the account is closed, if you would like to have this information changed, please contact me at the number(s) below.We sincerely apologize for the inconvenience you have experienced, and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
I am rejecting this because there is no response, just Comenity talking in circlesI was promised when I setup payment arrangements that the late payments would be removed from my credit report and that is what I am asking for
Regards, *** ***
Dear *** ** *** Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Catherines credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, submitted to the RevDex.com that you made a payment via the internet on two separate occasions and thought they went through; however, you found neither payment was credited to your accountAt that time, you called the Bank to ask why these payments did not go through and you state the Bank representative was very rudeYou were advised to pay $for three months to clear your account and you were okay with thatHowever, the representative did not make it clear to you that these payments would be automatically taken from your bank account, and you did not provide your bank information to process these paymentsThis confusion has resulted in payments being returned, and subsequently a day suspension of account utilityYou state you did not make the original mistake with the internet payments nor did you authorize the Bank to process the automatic paymentsYou request the hold on your account be removed, so you can use your card againWe 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 metIn regard to the call placed on November 22, 2016, regarding the automatic payments; the representative offered you a payment plan for three monthsAt that time, she advised you three payments would be set up for $each and will be debited on December 6, 2016, January 5, 2017, and February 5, You agreed to this payment arrangementWe found no mention of payments that were to be made at the store After a thorough review of the account, our records indicate the payment scheduled for December 6, 2016, was returned to the Bank due to insufficient fundsAdditionally, the payment scheduled for January 5, 2017, was returned to the Bank as insufficient fundsAs a result, returned payment fees were assessed, and account utility was suspended Please understand it is the policy of the Bank to suspend account utility when two or more payments are returned in a day periodWe are willing to reinstate the account after three months of on-time paymentsPlease contact us on April 13, 2017, to see if we are able to reinstate charging privilegesPlease be assured that a credit of $was applied to the account on November 5, 2016, for the late fee assessed to the account in October On March 2, 2017, a credit of $was applied to your account as this adjustment was previously promised to youAs the Bank finds the other fees to be valid, we are unwilling to remove any additional fees at this timeI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***
I reviewed the response made by the business in reference to complaint ** ***, and find the resolution is satisfactory to meIn addition, I am very thankful to Comenity Bank for their understanding and resolution of my account and credit history. Kind Regards and All the best, *** ***
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the NY&C Rewards and Victoria’s Secret Angel credit cardsWeare here to answer your questions and assist with your concerns.We previously received and
responded to your correspondence submitted to the ConsumerFinancial Protection Bureau (CFPB) regarding this same matterPlease find enclosed a copy ofour response sent to you on February 7, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W***
The card on my credit report states your information and I will now go against Portfolio which has a case number of# *** as wellThis is all fraud and people need to know that Comentiy Bank does this as well as passes you off to others when they say to do all these things such as fax info etcwhich I did and now they cannot helpI want you to be involved in this since you are the ones that have the card under my name and it is ruining my credit report.Thanks
Regards, *** ***
I'm sorry I didn't get back to you sooner, but it took a while to connect with BankI finally talked to one of their representativesI did qualify for their hardship program Starting this month I'll pay $a month + 10% interest on any balance owedAlso, I found out that I must send payment in by the 15th or no later than 20th of each monthThis way I won't be late & can now meet minimum payment too.Thanks to you, I'm happy to say this is overThanks again.*** ***
Here are screen shots of the last email regarding the promotion I was chosen to receive by Comenity Bank and ***Please note it was sent to my email address
Dear Ms***Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccountComenity Bank issues meijer Mastercardm accounts and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate thisopportunity to
assist you.Your complaint indicates that you submitted your payment online for the amount of $969.36, onOctober 14, 20f4, and was never applied to your meijer Mastercard@ accountFurthermore,you are requesting to have this amount credited to your account along with the finance chargesand to have $issued as compensation.Please note Comenity Bank acquired the meijem Mastercard portfolio in November of 2014.As the payment you are referencing in your complaint was submitted prior to the date ComenityBank serviced rneijer Mastercard@ accounts, we would not be in receipt of this payment.However, in the interest of customer service Comenity Bank will issue a credit in the amount of$for the above-referenced paymentAdditionally, a credit of $has been applied tothe above-noted account for the finance charges accrued since November At this timeComenity Bank respectfully declines your request for compensation in the amount of $400.00.We apologize for the inconvenience and we hope this information is helpfulShould you haveany other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Rosa M*** *** ***
Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues Roaman'& credit card acmuntsand we arehere to assist you with all account-related questions or concernsI appreciate the opportunity
torespond to your concerns.We understand from your complaint that you placed an order with Roaman's catalog, and youreturned your order, except one itemYou have spoken to Roaman's representatives but theissue still remains unresolvedYw state Cornenity Bank is calling and harassing you, whichyou believe is because of your ageYou would like credit for all of the items you retuned.Please be advised, when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountDue to potential negativeramifications for our customers if an account remains delinquent, Comenity Bank may call youuntil our attempt to communicate is successfulThe Bank will make separate attempts for eachaccount that is delinquent.We are sorry you feel you have been discriminated againstPlease be assured Comenity Bankdoes not discriminate on any prohibited basis.Please understand that Cornenity Bank and Roaman's are two separate entitiesComenityBank is responsible for addressing questions related to Roaman's@ credit card accounts, whileRoaman's is responsible for handling matters related to sales, merchandise processing, returns,shipping, and rnerchandise quality.AdditionallyWhen a customer orders rnerchandise from Roaman's, the account is charged forthe cost of the merchandise, sales tax (if applicable), and shipping and handlingWhen themerchandise is returned, the account is credited for the merchandise and the applicable salestaxRoaman's does not refund shipping and handling chargesin addition, if the providedreturn label is used to return the package, the return label fee is charged to the Roaman'[email protected] records indicate a billing statement was sent to you on August 7, This billingstatement included two Roaman's purchases that were ordered on August 2, 2015, andprocessed to your account on August 4.2015.The fira purchase was processed for a total of $and from this order you returned everyitem, except a "black cardigan"A return credit was processed to your account on August 28,totaling $109.95.The second purchase was processed for a total of $and you returned every item fromthis orderA return credit was processed to your account on August 2015, totaling $91.97.On August 25, 2015, there was also an additional charge of $for using the return label.After these credits were processeda statement was sent on September 2015, for theremaining balance of $61.48, with a minimum of $20.00, due by October 2, This balanceconsisted of the "black cardigan", shipping and handling fees, and the return label fee.A statement was sent on October 7, This statement reflected your payment of $20.00.which was received on September 24, This statement also showed a remaining balanceof $43.48, with a minimum of $20.00, due by November 2,2015.Billing statements are being issued monthly to the above addressAs no payments have beenreceived since September 24, 2015, late fees and finance charges were assessed to theaccount, pursuant to the guidelines of the Credit Card Agreement.Although there were no bank errors found, in the interest of customer service, we have issuedcredits totaling $to remove the fees that were assessed to your accountAs of the dateof this letter, your current balance is $0.00.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to delete the negative payment information from your crecit bureau report regardingthe Roaman's@ account for the months of December and January Please allow 45days for the credit bureaus to update their records.You are a valued customer and we apologize for any confusion or frustration this matter hascaused youShould you have any further questions regarding your account, please contact meat ###-###-####, ext*** (TDD/TlTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**
My recent complaint against Comenity Nat'l Bank is in regards to my cancelled HSN card that is advertised by the Home Shopping NetworkI contacted HSN about my dispute & was baffled by their response in an email that HSN is not responsible for the HSN credit cards that they advertise on TVI began to put two & two together as I've been a repeated victim of identity theft by one person I've identified over & over again as *** ** ***There's also a reason why Comenity would not cooperate with my requests for a list of everything I bought from HSN, the charges for each item, the interest, & an explanation as to why I was being charged interestAlso, there is a reason the bill continued to be inflated after I cancelled the card in October & I wasn't buying anything anymoreThere's a reason why HSN claims no responsibility, but it's an HSN credit cardThere are many crimes *** *** has committed previouslyShe needs to be locked up in a federal prisonComenity Nat'l Bank also does business with *** ***For different reasons, I am aware that *** *** needs dental work & I suspect I'm being defrauded to foot the bill for Ms. ***,'s dental work or possibly something elseComenity Nat'l Bank appears to be trying to look me into a fraudulent never ending payment contract w/o providing the evidence I requestedI AM NOT GOING TO PAY A PENNY due to identity theft fraudI'll turn this case over to AG *** *** & the DOJI won't be talking with Comenity Nat'l Bank crooks & HSN is now implicated in criminal activity involving *** L*** a product of the State of Florida prostitution businessPlease convey this extremely serious email to Comenity Nat'l BankThank you.Sincerely,*** ***
Personal financial information was still disclosed to an unauthorized third party, without any proper verification or attempts at verification of any kind This has resulted in extensive undue harassment and embarrassment I'm requesting transcripts of every conversation with the above-mentioned third party regarding my account, or instruction on how to obtain such transcripts If my ex did in fact misrepresent himself, then proof is needed in order to proceed accordingly with him
Regards,
*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meThank you for your quick action regarding the issuesI have spoken with several department representatives from your bank, too many to name all of themThe bottom line is the entire team worked together to resolve this issue and it is now resolved I look forward to a long lasting Financial Relationship with your bank.
Regards,
*** ***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveCornenity Bank issues your Jessica London@ credit card account, and we are here to assist you withall account-related questionsI appreciate the opportunity to respond to
your concerns.We understand from your complaint, you were unaware that you were going to be charged to use the returnshipping label to return your shoes cn October of You spoke with representatives that were not able toassist youYou later received bills, but were confused because you returned your shoesYou would like thebalance to be taken care of.Please note that Comenity Bank and Jessica London are two separate entitiesThe Bank is responsible foraddressing questions retated to your credit card accountJessica London is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.The Bank has revlewed the issues in your complaint, as well as the applicable phone conversationsWeapologize if you felt that you did not receive the best customer senriceIt is never the Bank's intention to treatbur customers in 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.Thank you far speaking with me on June 22, Per our conversation, in the interest of customer service,Comenity Bank is not holding you responsible for the remaining balance on the accountWe have issuedcredit to your account to adjust your account balance to $0.00.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau reportPlease allow them days to updatetheir records.You are a valued customer and we hope this information is helpfulShould you have any further questions orconcerns, please do not hesltate to contact me at ###-###-####, ext*** (TDD/ITY ###-###-####)1would be happy to assist you.Sincerely, *** ***Consumer Relations Specialist
Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcernsYour complaint, addressed to the Revdex.com, was fotwarded to myattention and appreciate
the opportunity to assist you.I understand from you complaint that you had a discussion with a Bank representative inreference to a paymentAfter the discussion, you stated that you feel that Cornenity Bank hascalled the phone number we have listed on the above noted credit card account too many times,and you feel as though the calls have become a form of harassmentPer your complaint, youare requesting that Comenity Bank cease all further contact with you.When the Bank's records show an account as delinquent, the Bank will make attempts tocontact you regarding the status of the accountMany times a payment is overlooked by thecustomer, and a reminder call is helpful to bring the account back to a current statusDue topotential negative ramifications for our customers if an account remains delinquent, ComenityBank may call you until our attempts to communicate are successful.Please be advised, Comenity Bank will honor your request to cease telephone communicationto the phone number ending in 3700; however, please understand you are still responsible forthe remaining balance on the Lane Bryant Retail credit card account.As of the date of this letter, the Lane Bryant Retail credit card account is three billing cycles pastdue, with a balance of $445.99, a minimum due of $91.00, due by July 6, 2015, and a past dueamount of $ If an account exceeds six consecutive billing cycles past due, the accountwill be closed, written off, and reported to the national credit-reporting agencies as an unpaiddebt.Customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS) organization for assistanceTheir programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your client's creditorsComenity Bank supports and participates in theprograms provided by CCCS agenciesShould you wish to obtain information regarding theirprograms and for a member agency, please contact the National Foundation for CreditCounseling at ###-###-####.We encourage you to contact our Payment Solutions team at ###-###-####, (TDD/TTY ###-###-####, to see what payment options are available to you.Sincerely,*** ***Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the KingSize credit cardWe are here to answer your questions and assist withyour concerns.We understand the concerns, as explained in your correspondenceYour purchase was supposed
tobe deferred for days, and bill to your account on March 21, However, the purchase wasapplied to your account before the deferred due date and fees were applied to the accountThe Bankpromised to credit the fees, as KingSize corrected the deferment error; however, the fees were notcreditedYou are requesting to have the fees credited.Our records indicate on February 21, 2017, you spoke with a Bank representative and were advised$would be credited to the accountRegrettably, the representative failed to complete theprocess, which resulted in the account falling past due and another late fee was applied.On behalf of the Bank, please accept my apology for the manner in which your account was handled,and that the fees were not credited, as promisedWe never intend to treat our customers in a less than-satisfactorymannerWe are committed to providing the best customer service and aredisappointed when a customer feels this standard was not metWe have taken steps to coach ourassociate in providing a more positive experience to our customers.Due to the error, we have removed the previously assessed Bank fees and Account Assure feesOncethe credits have been applied, the account balance will be $for your merchandise.Although you requested your account closed, we hope that you will continue to shop with KingSize.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***
NevermindThis is pointlessNothing is happening here so end the complaint.Thank you
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account
Comenity Bank issues the Jessica L*** credit card accountsWe are here to answer your questions and assist with your concerns. Your correspondence states that you made a purchase with Jessica L***; however, you returned the merchandise and paid for the shipping and handlingHowever, your account was assessed late fees, which you have paid to avoid additional fees being assessedYou are requesting that the late fees be refunded to youWe understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Please understand, when ordering merchandise by mail, you will generally be charged for shipping and handling, as well as the cost of the merchandiseIf merchandise is returned within days, Jessica L*** will refund the cost of the merchandise, but shipping and handling charges are not refundableIf you use the Customer Return Label for your return, Jessica L*** will charge your account $when processing your return. Bank records indicate that your due date is the 12th of each monthPlease be advised that on June 16, 2017, the Bank issued a statement to you showing a balance of $with a minimum payment of $due by July 12, A return credit of $posted to your account on June 19, As a result of a payment not being received on your account, a late fee was assessed to your account. On July 17, 2017, a statement was issued indicating a balance of $with a minimum payment of $due by August 12, The Bank received your payment of $on August 22, As a result of the payment being made after your due date, a late fee was assessed to your account. On August 17, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by September 12, As a result of a payment not being received, a late fee was assessed to your account. On September 16, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by October 12, The Bank received a payment of $52.47 on September 30, 2017, which paid your balance in full. Please be advised that on August 1, 2017, the Bank issued a total credit of $for the previously assessed late fee and finance chargeComenity Bank has not found any billing errors and we are unwilling to waive any additional fees, as they are valid. I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at *** Sincerely, Jenny W***
The first phone call that was made was made prior to June 201, you are correct I was advised to call Account assure which is what I didI do understand that they are a third party but they are a third party that provides a service on your behalfThey received the requested information three times My issue is what was stated in my original complaint along with the fact that I contacted both Victoria secret and Account assure numerous times, my account would not have been sold if the insurance that I purchased was used as it was explained to meI was never offered any assistance even after I explained to Victoria secret the issue I was having with account assureSo yes, I am aware that the account must be reported with its status, but my account fell through the cracks and I’m left picking up the piecesI lost a good account and I did what was asked I sent in a WI sent in my termination letter and the other document that was asked of meI will have to contact the CFPB or Attorney general because this has costed me so muchI am not asking for any special treatment im asking for what I paid for
Regards, *** ***
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that you have tried closing your Victoria’s Secret/PINK account by telephone calls and going into the storeYou discovered through credit karma that the account was still open and after calling Victoria’s Secret headquarters, you were advised that you did not have an accountYou also filed a dispute with the credit bureau; however, nothing was changedYou are asking that the account be permanently closed, corrected at the credit bureau and an apology for your experience.Please be assured that it is never our intention to cause a customer a hardshipAfter reviewing your account information at the Bank, our records indicate that you called in July 2015, and attempted to close your account via the Bank’s Interactive Voice Response (IVR), systemUnfortunately, we were unable to determine why the account did not closeAdditionally, please note that Victoria’s Secret and Comenity Bank are separate entities and Victoria’s Secret is unable to close a customer’s account.The Bank received a credit bureau dispute, on your behalf, from TransUnion in October The dispute indicated that you were disputing the account being your account, and contained no information regarding closing the accountTherefore, we verified that the account was valid and reporting correctly.Please be assured, as of the date of this letter, your Victoria’s Secret/PINK account has been closedAdditionally, we sent an emergency credit bureau update to the national credit-reporting agencies with instructions to update your recordsAlthough we asked for this to be expedited, please understand that this can take them days to update their records.Furthermore, we want to make you aware that the address listed on your complaint is different than what is listed on the Victoria’s Secret accountAlthough the account is closed, if you would like to have this information changed, please contact me at the number(s) below.We sincerely apologize for the inconvenience you have experienced, and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
I am rejecting this because there is no response, just Comenity talking in circlesI was promised when I setup payment arrangements that the late payments would be removed from my credit report and that is what I am asking for
Regards, *** ***
Response