January 10, *** ***
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*** ** *** RE: *** *** *** *** *** ** ***
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*** *** ** *** Dear Ms***: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the ***’s credit cardWe are here to answer your questions and assist with your concerns We understand your concerns regarding the ***’s account, you state that your account is paid off; however, it is being reported as delinquent. You are requesting that we clear the account by updating the credit bureaus. We apologize for the inconvenience this matter may have caused you Bank records indicate that no payments were received from August to January 2016, and at that time your account was reported five billing periods past due. Also due to non-payment your credit limit was reduced to zero on October 18, On February 10, 2016, a payment of $was made and brought your account current. However, from March to July 2016, no payments were made and your account, was reported four billing periods past due. A payment of $was made on August 5, 2016, which paid your account balance in full Please be assured that we have reviewed the information reporting to the credit-reporting agencies regarding your ***’s account, and our records indicate that your account is reporting accurately. Please be advised that we are required by law to report factual information, and can only change or delete information we reported incorrectly We understand that our customers may experience circumstances beyond their control which may cause their accounts to become delinquent. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information: *** ***
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* I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
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Dear Ms***We rewived your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.We understand from your complaint that you request no further telephone communication fromthe Bank.Please understand that when our records show an account as delinquent, we will makeattempts to contact the customer regarding the status of the acwuntMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account reinainsdelinquent, we may call until our attempt to communicate is successful.Per your request, a "cease and desist" status has been placed on your accountsThis ceaseand desist request will stop all future collection calls, but it will also suspend authorizations fornew purchases on all of your accounts since we will be unable to contact youYou will cottinueto receive certain legal communications as permitted by lawYour request to cease and desistcontact on your accounts may be changed at any time by contacting us again in writing at thebelow address:Cornenjty BankP.OBox 182273Columbus, OH 8-2273Please find a summary of the above-referenced accounts belowUse of the accounts, or failureto close the accounts within days of receiving the Credit Card Agreement indicated youracceptance of the terms of the agreement, including the assessment of any finance chargesand fees.Bank records indicate the Ashley Stewart account was opened on June 23, The lastpurchase of $posted to the account on May 9,2015, and the last payment of $wasreceived on December The account balance is $with a minimum payment of$due by January The account is four billing periods past due.The Lane Bryant Retail account was opened on June 1, The last purchase of $99.40posted to the account on August 2015, and the last payment of $was received onNovember 6, The account balance is $with a minimum payment of $-due byJanuary 3, The account is one billing period past due.The Venus account was opened on August 24,The last purchase of $posted to theaccount on April 28,2015, and the last payment of $was received on December 11,5.The account balance is $with a minimum payment of $due by December The account is three bi\ling periods past due.Please noteshould an account exceed six consecutive billing periods past due, the accountwould be permanently dosed and written off, due to non-payment, and reported to the nationalcredit-reporting agencies as an unpaid debt.The Bank understands that customers may experience difficulty making their payments due toeconomic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account currentIf you are interested in obtaining information on whether you qualifyfor this program, please call our Payment Solutions team at ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-proffiConsumer 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 creditorsComenity Bank supports and participates in the programsprovided by CCCS agenciesShould you wish to obtain information regarding their programsand for a member agency located near you, please contact the National Foundation for CreditCounseling at #########We hope you find this information to be helpfulShould you have any further questions, pleasecontact me directly at ###-###-####, ext *** TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Amanda R** *** *** ***
.Thank you for contacting Comenity Bank. As the bank that issues *** * *** credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the RevDex.com, was forwarded to my attention, and I appreciate the
opportunity to assist
you.We understand your concerns regarding the
outstanding balance on your *** * *** credit card account and the
additional telephone calls that you have received. You are requesting that the Bank clear the
above-noted account balance to zero, as originally agreed upon in June 2015,
and correct the reporting on your credit file.
We sincerely apologize for any frustration or inconvenience this matter
may have caused you.Thank you for taking the time to speak with
me on September 9, 2015. As a foll
to our conversation, Bank records indicate on September 3, 2015, credits
totaling $were issued to the account for the previously assessed Bank
fees. Additionally, notification was sent to the
credit-reporting agencies to remove the reported delinquency for June 2015, from your credit file. Please allow up to days for this
information to be updated in their records.The Bank has reviewed the applicable telephone calls, and we
regret the manner in which your account was handled. Calls and letters of this nature are reviewed
by our management team, and their recommendations regarding an appropriate
resolution are followed.Due to the inconvenience this matter caused, as
a token of our appreciation, an additional credit of $was issued on September
9, 2015; you are a valued customer. Lastly, on September 9, 2015, your
Christopher & Banks account was reopened, per your request. The account has an available credit of $500.00, and a credit
balance of $25.00, which can be used towards your next purchase We hope you find this information to be
helpful. If you have any further
questions, please contact me directly at ###-###-####, ext*** (TDD/TTY
###-###-####). I will be happy to
assist you
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the abovereferencedcredit accountComenity Capital Bank previously issued American Laser Skincarecredit accounts, and we are here to assist you with all account-related questionsI appreciatethe
opportunity to respond to your concerns.We understand from your complaint that you purchased a full body treatment, in the amount of$4,446.40w, ith American Laser SkincarePrior to receiving notification via email that AmericanLaser Skincare clinics were closing, you state that you had only received three treatmentsYouare requesting the Bank issue a credit, in the amount of $for the previously submittedpayments since you have not received the treatments to support this amount.Bank records indicate that we received your previously submitted billing disputes concerning thepurchase of $4,in May and August of Correspondence regarding the Bank'sresolution was mailed to the address listed at the top of this letter on May 15, and September20, 2015.Please note, we resolved your disputes in accordance with the dispute provisions of the CreditCard Agreement (CCA), which are also outlined in the Billing Rights Summary contained in themonthly billing statementsSpecifically, please refer to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statementwrite to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your lettergive us the followinginformation:Account information: Your name and account numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not requlred to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, I f we determine that we made a mistake,you will not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.= We can apply any unpaid amount against your credit limit.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit cared and you have tried in good faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due on the purchaseTo use thisright, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means is if the dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you had not yet fully paid for thepurchase, the maximum amount eligible for a credit is the balance on the account at the time ofthe disputeHowever, if the amount that you disputed or the prorated amount for theservices not received is less than your balance, then you will receive that lesser amountPlease note the above-noted account had an outstanding balance of $3,when yourbilling dispute dated May 4, 2015, was received, and as a result, only this amount was credit tothe above-noted account.Due to the dispute provisions of the CCA, we are unwilling to refund the amount of $asrequestedThis account has a zero balance.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concernsplease contact me at ###-###-####, ext***(TDD/TTY *** I would be happy to assist you.Sincerelv,Diamond L***
Dear *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns I understand from your
correspondence, you were charged a late fee in the amount of $for the month of December because your payment was five dollars less than the required minimum due Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement Although the late fee of $is valid, in the interest of customer service, it has been credited to your account, as well as the associated finance charge of $0.22. These credits will appear on your account in one to two billing statements 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, Kristina W***
Good morning, please see my statement attached This states the second of December (most reliable companies give a day grace, but not this one) However New York and Company and Comenity Bank have admitted this was paid on the First but the statement shows the second because apparently they have a cutoff I find this illegal and I will go to small claims court to clear this I am not paying $in late fees I have already closed the account and I want the balance (fraudulent late fees) removed completely Frankly its terrible this has gone this far This credit card company should have done the right thing from the beginning, not continue illegal fees and compound them with more fees The balance was PAID IN FULL on time Thank you
Dear *** ***: We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries. I appreciate the
opportunity to assist you. We understand from your complaint that you tried to make a second payment for a specific amount on your HSN account via the Bank’s Account Center website on April 1, 2015, and April 3, 2015; however, when selecting the “other amount” payment option, the screen jumped to the current balance and the statement balance. You state that Comenity Capital Bank is illegally blocking your payment; as such, you are requesting the Bank fix the problem and remove the block. We understand your concerns, and we sincerely apologize for any inconvenience or frustration you have experienced. Thank you for taking the time to speak with me on several occasions regarding this matter. On April 22, 2015, I attempted to contact you, by telephone, to explain the resolution to this matter. Unfortunately, my attempt was unsuccessful. After a thorough investigation, our records indicate that the issue outlined in your compliant is on the user experience and is only occurring on Android cellular phones. Our investigation further confirmed that after a user selects the “other amount” payment option and enters in a numeric payment amount, the Save option disappears. However, when the user clicks anywhere on the screen, the Save option is visible and the user can proceed with completing their payment. Bank records further indicate that we received four payments totaling $during the month of April 2015: a payment of $was received on April 1, 2015, a payment of $was received on April 7, 2015, a payment of $was received on April 11, 2015, and a payment of $was received on April 20, 2015. These payments have satisfied the monthly minimum payment required for the April 19, 2015, due date. As of the date of this letter, your account balance is $1, We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *** *** Consumer Relations Specialist
Dear Mr***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit cards, and we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the
opportunity to respond to your concerns.We understand your concerns expressed in the complaint and that you indicate this account was opened fraudulentlyYou never authorized or signed an agreement and you are requesting that the balance is removed from the account.Please be assured that the Bank previously received your letter indicating the fraud claim and the information was forwarded to our Account Protection (Fraud) teamOn May 4, 2016, the account was noted with “Closed Pending Fraud Case”, and fraud case 20160504-was opened to investigate your claimFraud cases may take as long as days to resolveThe investigator assigned to your case is Heather L***After speaking with MsL***, on your behalf, she confirmed that the case has been closed, and you are not responsible for the account or the chargesA letter was sent to you on June 30, 2016, confirming that you are not responsible for the account and advised you that the account will be removed from your credit report.In addition, if you haven’t already, we strongly suggest that you place a fraud victim alert on your credit reportPlease contact one of the national credit-reporting agencies listed below to activate a fraud alert.Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box Experian Parkway Allen, TX - ###-###-####PO Box Springfield, PA - ###-###-####PO Box Atlanta, GA - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ hope you find this information to be helpful, and we apologize for any confusion or inconvenience this matter has caused youShould you have any further questions or concerns regarding this matter, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They are happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the David’s Bridal credit cardWe are here to answer your questions and assist with your concerns. We understand from your
correspondence that you made a payment to your account a week before the promotional plan endedYou state that a few weeks later you found that the payment was returned and a fee was added to your account after the promotional plan endedYou state that you made another payment immediately, and now there is a remaining fee of $100.00. Furthermore, you are requesting to remove the $fee and have the account paid off. The March 3, 2017, purchase for $was placed on a month deferred interest, payment required plan with an expiration date of September 3, Under the terms of this promotional plan, interest on the purchase is deferred until the plan expiresThis means that interest on this purchase was accruing monthly from the original purchase date but was not being applied to your accountIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration dateThis promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your accountThe details of your promotional plan, as well as the expiration date, were present on each billing statement. Bank records indicate the $payment received on August 29, 2017, was returned by your bank as “unable to locate”The payment was received via our phone systemPlease note the Bank has no control over the information that is entered into our phone system. As of the date of this letter, your account balance is $132.86. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededIf you have any questions or concerns, please feel free to contact me at *** *** Sincerely, Rosa M***
Dear *** ***:Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and
Iappreciate the opportunity to assist you.I understand you have received several calls per day regarding payment due on the account,although you state you did not receive billing statementsYour Peebles account was chargedfor magazine subscriptions that had been automatically renewedBy the time you were madeaware of this matter; your credit card account balance totaled $You indicate that youspoke with the magazine company, who cancelled your subscriptions, and promised to askPeebles to issue a full refundLastly, you state that the promise has not been fulfilled, whichhas resulted in additional interest and late fees being assessed to your Peebles credit cardaccountYou are requesting to have all fees credited back to you, as you did not authorize therenewal of the magazine subscriptions.Please accept our apology for any frustration that you may have experienced regarding thismatter.Bank records indicate that billing statements for the magazine charges were issued to youraddress, as shown in this correspondence, beginning on March 8, We have no record ofthe statements being returned as undeliverable.Please understand, when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Bank may call you until our attempt to communicate is successful.In the interest of the customer, Comenity Bank reached out to Synapse, the magazine vendor,via ernait, and was advised that two return credits have been applied to your account on May19, 2015, totaling $12.76, as well as additional credits totaling $on July 10, Pleasebe assured, remaining credits totaling $have been issued by the Bank to reduce thebalance to zero.Also, the Bank has notified the credit-reporting agencies to remove the derogatory paymentinformation that was reported regarding the Peebles account in May and June Pleaseallow days for this information to be updated in their records.Please be assured, per your request, the above mentioned account was closed on June 24,2015.I hope you find this information to be helpfulShould you have additional questions or concerns,please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the DentalFirst Financing credit accountWe are here toanswer your questions and assist with your concerns.You state in your correspondence that you had dental work done with
Aspen Dental and financedthe charges on the credit accountYou were not happy with the dentures, and wanted to takeadvantage of the money back guaranteeYou further state you are receiving calls from the Bankregarding your billYou are requesting to have the balance adjusted to zero, and thedelinquencies removed from your credit file.Please be advised that Comenity Capital Bank and Aspen Dental are separate entitiesThe Bankis responsible for addressing questions related to the DentalFirst Financing credit account, whileAspen Dental is responsible for addressing concerns regarding treatments, charges, and refunds.We have reviewed the above-noted credit account, and we are pleased to share our findings.We reached out to Aspen Dental regarding your concern, and a credit of $3,was issuedon February 13, 2017, for the full cost of the denturesThe remaining balance, from the originaltransaction of $6,105.60, is for other services that were completed for youPlease be advisedthat you are responsible for the remaining balanceIf would like to further dispute these charges,we encourage you to contact Aspen Dental directly.As of today’s date, the balance on your account is $1,with a minimum payment of $426.00due on March 20, The account is two billing cycle past dueShould an account exceed sixconsecutive billing cycles past due, it will be written off and reported to the credit bureaus as anunpaid debt.Additionally, when an account is delinquent, we will make proactive attempts to contact thecustomer, communicate the situation and work out payment arrangements to minimize anynegative credit reportingMany times a payment is overlooked, and reminder calls or paymentdiscussions are helpful to bring the account back to a current statusComenity Capital Bank is required by law to report factual data to the credit bureaus with regardto account activityAt this time, Comenity Capital Bank finds the account and payment history tobe valid.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept
Per the letter, American Laser Skincare is responsible for refunds, but I did not pay American Laser SkincareMy payments were made to Comenity so they must be the entity to return payment to meIn addition, ALS is no longer available to contact for refunds as their offices are now closedComenity sent my money to ALS despite services being incomplete which they should not have remitted payment for unrendered treatmentsUpon issuing my refund, Comenity may thereafter request their funds back from ALS.
Regards,
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Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor Mastercard credit cardWe are here to answer your questions and assist with your concerns You state your bill is due on the 28th of each month, and you made a payment of $1,on February 1, 2017, to avoid being lateYou further state you were charged a late fee of $and a finance charge of $When you spoke with a representative of the Bank, you were told in order to avoid the late fee and finance charge, you should have made your payment on February 2, You are requesting a credit of the $late fee and $finance chargeWe sincerely apologize for any frustration or inconvenience this matter may have caused you We have reviewed your account and we are happy to share our findings. 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 and a finance charge may be assessed to the account, as explained in the Credit Card AgreementPlease also be advised, customers do not have the ability to pay ahead on an account. In the interest of customer service, we issued credits totaling $to remove the previously assessed late fee and finance chargeThese credits posted to your account on March 17, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Dear *** *** Thank you for contacting Comenity Bank regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint submitted to the Revdex.com was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you are receiving multiple calls from Comenity Bank and you would like the calls to stop. Please be assured that we have updated our records to include a “Do Not Attempt to Collect” status; however, you remain responsible for the balance on the accountAdditionally, please keep in mind that the Bank may contact you by mail or service of court filing, which would comply with state and federal law. As of today’s date, the Victoria’s Secret/PINK account has a balance of $1,068.40, and the account is four billing periods past dueIf the account exceeds six billing periods past due, the balance would be charged off and report to the credit bureaus as suchWe encourage you to contact our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####) to discuss payment options that may be available to you. I hope this information is helpfulIf you have further questions or concerns, please contact the Payment Solutions team at the number providedThey will be happy to assist you. Sincerely, Shawnda Y*** *** *** ***
Dear *** ***: Comenity Bank has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Victoria’s Secret Angel, NY&C Rewards, Ashley Stewart and Torrid credit cards. We are here to answer your questions and assist with
your concerns We understand from your complaint that on October 12, 2016, you spoke with a representative to enroll in a program that would allow you to make smaller payments over a year to get the accounts back on trackYou provided your banking information and you were read a verbal agreement, entailing the future payment arrangementsYou contacted the Bank on November 4, 2016, to confirm the payment datesOn February 23, 2017, you spoke with a representative to cancel the auto-payments, as they were causing your account to be overdrawnYou were informed that two accounts wrote off and that you were no longer enrolled in the program from your October 12, 2016, phone callYou advised you were not aware that you were unenrolled from the program, as you had not received any letters, but nothing could be doneYou felt the representative did not seem to want to help you; however, they did remove the scheduled payments as you requestedYou request a payment arrangement of $a month and for late fees to be removedI am happy to share my findings We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met Bank records indicate that you contacted the Bank on October 12, 2016, to advise of your financial hardshipYou were advised of the 12-Month Customer Hardship Program, which provides customers special terms in order to bring and keep the accounts currentOn October 13, 2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship Program, as additional information was neededThe letter instructed you to contact the Bank to complete this process On November 4, 2016, you spoke with a representative who advised that the accounts were inadvertently not added to the program, and advised she would complete the pre-enrollment processTowards the end of this phone call, the representative was not able to hear youShe stated if she did not hear from you, the accounts would not be set up correctly, you would have to go through this process again, and she could not pre-enroll the accountsThe call was disconnected On November 8,2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship program as additional information was neededThe letter instructed you to contact the Bank to complete this process The payments remained scheduled to be withdrawn from your bank account as the accounts were delinquent Please be advised, if an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debtBelow is the current status of your accounts: The NY&C Rewards account was written off on February 5, 2017, with an unpaid balance of $ The Ashley Stewart account was written off on February 20, 2017, with an unpaid balance of $ The Victoria’s Secret Angel account is five billing cycles past due with an outstanding balance of $1,315.67, and a minimum payment of $due by March 17, The Torrid account is four billing cycles past due with an outstanding balance of $467.03, and a minimum payment of $due by March 18, The Bank finds no error and no adjustment will be made to the accountsTo set up suitable payment arrangements please contact our Recovery department at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM***
Dear *** ** ***
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
correspondence submitted to the Bank regarding this same matterPlease find enclosed a copy of our response sent to you on February 17, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Toyota Rewards credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint
that you have been making payments on the Toyota Rewards credit card account, and fees have been added making it difficult to pay off the balanceWe also understand that you are requesting all fees be removed from the account. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, our records indicate that an authorization to release account-related details has not been provided by the accountholder, *** ** ***As such, we are unable to respond to you regarding your concernsPlease be assured that we will respond to *** ** *** directly, via a separate mailing. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kristina W***
January 10, *** ***
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*** *** ** *** Dear Ms***: Comenity Bank (Bank) has received your correspondence regarding the above-noted account. Comenity Bank issues the ***’s credit cardWe are here to answer your questions and assist with your concerns We understand your concerns regarding the ***’s account, you state that your account is paid off; however, it is being reported as delinquent. You are requesting that we clear the account by updating the credit bureaus. We apologize for the inconvenience this matter may have caused you Bank records indicate that no payments were received from August to January 2016, and at that time your account was reported five billing periods past due. Also due to non-payment your credit limit was reduced to zero on October 18, On February 10, 2016, a payment of $was made and brought your account current. However, from March to July 2016, no payments were made and your account, was reported four billing periods past due. A payment of $was made on August 5, 2016, which paid your account balance in full Please be assured that we have reviewed the information reporting to the credit-reporting agencies regarding your ***’s account, and our records indicate that your account is reporting accurately. Please be advised that we are required by law to report factual information, and can only change or delete information we reported incorrectly We understand that our customers may experience circumstances beyond their control which may cause their accounts to become delinquent. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information: *** ***
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*** *** *** ***
Dear Ms***We rewived your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.We understand from your complaint that you request no further telephone communication fromthe Bank.Please understand that when our records show an account as delinquent, we will makeattempts to contact the customer regarding the status of the acwuntMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account reinainsdelinquent, we may call until our attempt to communicate is successful.Per your request, a "cease and desist" status has been placed on your accountsThis ceaseand desist request will stop all future collection calls, but it will also suspend authorizations fornew purchases on all of your accounts since we will be unable to contact youYou will cottinueto receive certain legal communications as permitted by lawYour request to cease and desistcontact on your accounts may be changed at any time by contacting us again in writing at thebelow address:Cornenjty BankP.OBox 182273Columbus, OH 8-2273Please find a summary of the above-referenced accounts belowUse of the accounts, or failureto close the accounts within days of receiving the Credit Card Agreement indicated youracceptance of the terms of the agreement, including the assessment of any finance chargesand fees.Bank records indicate the Ashley Stewart account was opened on June 23, The lastpurchase of $posted to the account on May 9,2015, and the last payment of $wasreceived on December The account balance is $with a minimum payment of$due by January The account is four billing periods past due.The Lane Bryant Retail account was opened on June 1, The last purchase of $99.40posted to the account on August 2015, and the last payment of $was received onNovember 6, The account balance is $with a minimum payment of $-due byJanuary 3, The account is one billing period past due.The Venus account was opened on August 24,The last purchase of $posted to theaccount on April 28,2015, and the last payment of $was received on December 11,5.The account balance is $with a minimum payment of $due by December The account is three bi\ling periods past due.Please noteshould an account exceed six consecutive billing periods past due, the accountwould be permanently dosed and written off, due to non-payment, and reported to the nationalcredit-reporting agencies as an unpaid debt.The Bank understands that customers may experience difficulty making their payments due toeconomic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account currentIf you are interested in obtaining information on whether you qualifyfor this program, please call our Payment Solutions team at ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-proffiConsumer 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 creditorsComenity Bank supports and participates in the programsprovided by CCCS agenciesShould you wish to obtain information regarding their programsand for a member agency located near you, please contact the National Foundation for CreditCounseling at #########We hope you find this information to be helpfulShould you have any further questions, pleasecontact me directly at ###-###-####, ext *** TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Amanda R** *** *** ***
.Thank you for contacting Comenity Bank. As the bank that issues *** * *** credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the RevDex.com, was forwarded to my attention, and I appreciate the
opportunity to assist
you.We understand your concerns regarding the
outstanding balance on your *** * *** credit card account and the
additional telephone calls that you have received. You are requesting that the Bank clear the
above-noted account balance to zero, as originally agreed upon in June 2015,
and correct the reporting on your credit file.
We sincerely apologize for any frustration or inconvenience this matter
may have caused you.Thank you for taking the time to speak with
me on September 9, 2015. As a foll
to our conversation, Bank records indicate on September 3, 2015, credits
totaling $were issued to the account for the previously assessed Bank
fees. Additionally, notification was sent to the
credit-reporting agencies to remove the reported delinquency for June 2015, from your credit file. Please allow up to days for this
information to be updated in their records.The Bank has reviewed the applicable telephone calls, and we
regret the manner in which your account was handled. Calls and letters of this nature are reviewed
by our management team, and their recommendations regarding an appropriate
resolution are followed.Due to the inconvenience this matter caused, as
a token of our appreciation, an additional credit of $was issued on September
9, 2015; you are a valued customer. Lastly, on September 9, 2015, your
Christopher & Banks account was reopened, per your request. The account has an available credit of $500.00, and a credit
balance of $25.00, which can be used towards your next purchase We hope you find this information to be
helpful. If you have any further
questions, please contact me directly at ###-###-####, ext*** (TDD/TTY
###-###-####). I will be happy to
assist you
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the abovereferencedcredit accountComenity Capital Bank previously issued American Laser Skincarecredit accounts, and we are here to assist you with all account-related questionsI appreciatethe
opportunity to respond to your concerns.We understand from your complaint that you purchased a full body treatment, in the amount of$4,446.40w, ith American Laser SkincarePrior to receiving notification via email that AmericanLaser Skincare clinics were closing, you state that you had only received three treatmentsYouare requesting the Bank issue a credit, in the amount of $for the previously submittedpayments since you have not received the treatments to support this amount.Bank records indicate that we received your previously submitted billing disputes concerning thepurchase of $4,in May and August of Correspondence regarding the Bank'sresolution was mailed to the address listed at the top of this letter on May 15, and September20, 2015.Please note, we resolved your disputes in accordance with the dispute provisions of the CreditCard Agreement (CCA), which are also outlined in the Billing Rights Summary contained in themonthly billing statementsSpecifically, please refer to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statementwrite to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your lettergive us the followinginformation:Account information: Your name and account numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not requlred to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, I f we determine that we made a mistake,you will not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.= We can apply any unpaid amount against your credit limit.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit cared and you have tried in good faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due on the purchaseTo use thisright, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means is if the dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you had not yet fully paid for thepurchase, the maximum amount eligible for a credit is the balance on the account at the time ofthe disputeHowever, if the amount that you disputed or the prorated amount for theservices not received is less than your balance, then you will receive that lesser amountPlease note the above-noted account had an outstanding balance of $3,when yourbilling dispute dated May 4, 2015, was received, and as a result, only this amount was credit tothe above-noted account.Due to the dispute provisions of the CCA, we are unwilling to refund the amount of $asrequestedThis account has a zero balance.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concernsplease contact me at ###-###-####, ext***(TDD/TTY *** I would be happy to assist you.Sincerelv,Diamond L***
Dear *** ** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns I understand from your
correspondence, you were charged a late fee in the amount of $for the month of December because your payment was five dollars less than the required minimum due Please keep in mind when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee and finance charge, as explained in the Credit Card Agreement Although the late fee of $is valid, in the interest of customer service, it has been credited to your account, as well as the associated finance charge of $0.22. These credits will appear on your account in one to two billing statements 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, Kristina W***
Good morning, please see my statement attached This states the second of December (most reliable companies give a day grace, but not this one) However New York and Company and Comenity Bank have admitted this was paid on the First but the statement shows the second because apparently they have a cutoff I find this illegal and I will go to small claims court to clear this I am not paying $in late fees I have already closed the account and I want the balance (fraudulent late fees) removed completely Frankly its terrible this has gone this far This credit card company should have done the right thing from the beginning, not continue illegal fees and compound them with more fees The balance was PAID IN FULL on time Thank you
this still does not explain why I was issued credit cards if I was considered "too risky" and why all of my accounts were closed
Regards, *** ***
Dear *** ***: We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries. I appreciate the
opportunity to assist you. We understand from your complaint that you tried to make a second payment for a specific amount on your HSN account via the Bank’s Account Center website on April 1, 2015, and April 3, 2015; however, when selecting the “other amount” payment option, the screen jumped to the current balance and the statement balance. You state that Comenity Capital Bank is illegally blocking your payment; as such, you are requesting the Bank fix the problem and remove the block. We understand your concerns, and we sincerely apologize for any inconvenience or frustration you have experienced. Thank you for taking the time to speak with me on several occasions regarding this matter. On April 22, 2015, I attempted to contact you, by telephone, to explain the resolution to this matter. Unfortunately, my attempt was unsuccessful. After a thorough investigation, our records indicate that the issue outlined in your compliant is on the user experience and is only occurring on Android cellular phones. Our investigation further confirmed that after a user selects the “other amount” payment option and enters in a numeric payment amount, the Save option disappears. However, when the user clicks anywhere on the screen, the Save option is visible and the user can proceed with completing their payment. Bank records further indicate that we received four payments totaling $during the month of April 2015: a payment of $was received on April 1, 2015, a payment of $was received on April 7, 2015, a payment of $was received on April 11, 2015, and a payment of $was received on April 20, 2015. These payments have satisfied the monthly minimum payment required for the April 19, 2015, due date. As of the date of this letter, your account balance is $1, We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *** *** Consumer Relations Specialist
Dear Mr***We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues VICTORIA’S SECRET credit cards, and we are here to answer account-related questionsYour complaint was forwarded to my attention and I appreciate the
opportunity to respond to your concerns.We understand your concerns expressed in the complaint and that you indicate this account was opened fraudulentlyYou never authorized or signed an agreement and you are requesting that the balance is removed from the account.Please be assured that the Bank previously received your letter indicating the fraud claim and the information was forwarded to our Account Protection (Fraud) teamOn May 4, 2016, the account was noted with “Closed Pending Fraud Case”, and fraud case 20160504-was opened to investigate your claimFraud cases may take as long as days to resolveThe investigator assigned to your case is Heather L***After speaking with MsL***, on your behalf, she confirmed that the case has been closed, and you are not responsible for the account or the chargesA letter was sent to you on June 30, 2016, confirming that you are not responsible for the account and advised you that the account will be removed from your credit report.In addition, if you haven’t already, we strongly suggest that you place a fraud victim alert on your credit reportPlease contact one of the national credit-reporting agencies listed below to activate a fraud alert.Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box Experian Parkway Allen, TX - ###-###-####PO Box Springfield, PA - ###-###-####PO Box Atlanta, GA - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ hope you find this information to be helpful, and we apologize for any confusion or inconvenience this matter has caused youShould you have any further questions or concerns regarding this matter, please contact the Account Protection team at ###-###-#### (TDD/TTY ###-###-####)They are happy to assist you.Sincerely,Shawnda Y***
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the David’s Bridal credit cardWe are here to answer your questions and assist with your concerns. We understand from your
correspondence that you made a payment to your account a week before the promotional plan endedYou state that a few weeks later you found that the payment was returned and a fee was added to your account after the promotional plan endedYou state that you made another payment immediately, and now there is a remaining fee of $100.00. Furthermore, you are requesting to remove the $fee and have the account paid off. The March 3, 2017, purchase for $was placed on a month deferred interest, payment required plan with an expiration date of September 3, Under the terms of this promotional plan, interest on the purchase is deferred until the plan expiresThis means that interest on this purchase was accruing monthly from the original purchase date but was not being applied to your accountIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration dateThis promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your accountThe details of your promotional plan, as well as the expiration date, were present on each billing statement. Bank records indicate the $payment received on August 29, 2017, was returned by your bank as “unable to locate”The payment was received via our phone systemPlease note the Bank has no control over the information that is entered into our phone system. As of the date of this letter, your account balance is $132.86. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededIf you have any questions or concerns, please feel free to contact me at *** *** Sincerely, Rosa M***
Dear *** ***:Thank you for your recent complaint regarding the account noted aboveComenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and
Iappreciate the opportunity to assist you.I understand you have received several calls per day regarding payment due on the account,although you state you did not receive billing statementsYour Peebles account was chargedfor magazine subscriptions that had been automatically renewedBy the time you were madeaware of this matter; your credit card account balance totaled $You indicate that youspoke with the magazine company, who cancelled your subscriptions, and promised to askPeebles to issue a full refundLastly, you state that the promise has not been fulfilled, whichhas resulted in additional interest and late fees being assessed to your Peebles credit cardaccountYou are requesting to have all fees credited back to you, as you did not authorize therenewal of the magazine subscriptions.Please accept our apology for any frustration that you may have experienced regarding thismatter.Bank records indicate that billing statements for the magazine charges were issued to youraddress, as shown in this correspondence, beginning on March 8, We have no record ofthe statements being returned as undeliverable.Please understand, when the Bank's records show an account as delinquent, the Bank willmake attempts to contact you regarding the status of the accountMany times a payment isoverlooked by the customer, and a reminder call is helpful to bring the account back to a currentstatusDue to potential negative ramifications for our customers if an account remainsdelinquent, Comenity Bank may call you until our attempt to communicate is successful.In the interest of the customer, Comenity Bank reached out to Synapse, the magazine vendor,via ernait, and was advised that two return credits have been applied to your account on May19, 2015, totaling $12.76, as well as additional credits totaling $on July 10, Pleasebe assured, remaining credits totaling $have been issued by the Bank to reduce thebalance to zero.Also, the Bank has notified the credit-reporting agencies to remove the derogatory paymentinformation that was reported regarding the Peebles account in May and June Pleaseallow days for this information to be updated in their records.Please be assured, per your request, the above mentioned account was closed on June 24,2015.I hope you find this information to be helpfulShould you have additional questions or concerns,please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Geanine M*** *** ***
Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the DentalFirst Financing credit accountWe are here toanswer your questions and assist with your concerns.You state in your correspondence that you had dental work done with
Aspen Dental and financedthe charges on the credit accountYou were not happy with the dentures, and wanted to takeadvantage of the money back guaranteeYou further state you are receiving calls from the Bankregarding your billYou are requesting to have the balance adjusted to zero, and thedelinquencies removed from your credit file.Please be advised that Comenity Capital Bank and Aspen Dental are separate entitiesThe Bankis responsible for addressing questions related to the DentalFirst Financing credit account, whileAspen Dental is responsible for addressing concerns regarding treatments, charges, and refunds.We have reviewed the above-noted credit account, and we are pleased to share our findings.We reached out to Aspen Dental regarding your concern, and a credit of $3,was issuedon February 13, 2017, for the full cost of the denturesThe remaining balance, from the originaltransaction of $6,105.60, is for other services that were completed for youPlease be advisedthat you are responsible for the remaining balanceIf would like to further dispute these charges,we encourage you to contact Aspen Dental directly.As of today’s date, the balance on your account is $1,with a minimum payment of $426.00due on March 20, The account is two billing cycle past dueShould an account exceed sixconsecutive billing cycles past due, it will be written off and reported to the credit bureaus as anunpaid debt.Additionally, when an account is delinquent, we will make proactive attempts to contact thecustomer, communicate the situation and work out payment arrangements to minimize anynegative credit reportingMany times a payment is overlooked, and reminder calls or paymentdiscussions are helpful to bring the account back to a current statusComenity Capital Bank is required by law to report factual data to the credit bureaus with regardto account activityAt this time, Comenity Capital Bank finds the account and payment history tobe valid.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept
Per the letter, American Laser Skincare is responsible for refunds, but I did not pay American Laser SkincareMy payments were made to Comenity so they must be the entity to return payment to meIn addition, ALS is no longer available to contact for refunds as their offices are now closedComenity sent my money to ALS despite services being incomplete which they should not have remitted payment for unrendered treatmentsUpon issuing my refund, Comenity may thereafter request their funds back from ALS.
Regards,
*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Ann Taylor Mastercard credit cardWe are here to answer your questions and assist with your concerns You state your bill is due on the 28th of each month, and you made a payment of $1,on February 1, 2017, to avoid being lateYou further state you were charged a late fee of $and a finance charge of $When you spoke with a representative of the Bank, you were told in order to avoid the late fee and finance charge, you should have made your payment on February 2, You are requesting a credit of the $late fee and $finance chargeWe sincerely apologize for any frustration or inconvenience this matter may have caused you We have reviewed your account and we are happy to share our findings. 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 and a finance charge may be assessed to the account, as explained in the Credit Card AgreementPlease also be advised, customers do not have the ability to pay ahead on an account. In the interest of customer service, we issued credits totaling $to remove the previously assessed late fee and finance chargeThese credits posted to your account on March 17, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
Dear *** *** Thank you for contacting Comenity Bank regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint submitted to the Revdex.com was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you are receiving multiple calls from Comenity Bank and you would like the calls to stop. Please be assured that we have updated our records to include a “Do Not Attempt to Collect” status; however, you remain responsible for the balance on the accountAdditionally, please keep in mind that the Bank may contact you by mail or service of court filing, which would comply with state and federal law. As of today’s date, the Victoria’s Secret/PINK account has a balance of $1,068.40, and the account is four billing periods past dueIf the account exceeds six billing periods past due, the balance would be charged off and report to the credit bureaus as suchWe encourage you to contact our Payment Solutions team, toll free, at ###-###-#### (TDD/TTY ###-###-####) to discuss payment options that may be available to you. I hope this information is helpfulIf you have further questions or concerns, please contact the Payment Solutions team at the number providedThey will be happy to assist you. Sincerely, Shawnda Y*** *** *** ***
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 has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the Victoria’s Secret Angel, NY&C Rewards, Ashley Stewart and Torrid credit cards. We are here to answer your questions and assist with
your concerns We understand from your complaint that on October 12, 2016, you spoke with a representative to enroll in a program that would allow you to make smaller payments over a year to get the accounts back on trackYou provided your banking information and you were read a verbal agreement, entailing the future payment arrangementsYou contacted the Bank on November 4, 2016, to confirm the payment datesOn February 23, 2017, you spoke with a representative to cancel the auto-payments, as they were causing your account to be overdrawnYou were informed that two accounts wrote off and that you were no longer enrolled in the program from your October 12, 2016, phone callYou advised you were not aware that you were unenrolled from the program, as you had not received any letters, but nothing could be doneYou felt the representative did not seem to want to help you; however, they did remove the scheduled payments as you requestedYou request a payment arrangement of $a month and for late fees to be removedI am happy to share my findings We have reviewed the concerns in your correspondence, as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met Bank records indicate that you contacted the Bank on October 12, 2016, to advise of your financial hardshipYou were advised of the 12-Month Customer Hardship Program, which provides customers special terms in order to bring and keep the accounts currentOn October 13, 2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship Program, as additional information was neededThe letter instructed you to contact the Bank to complete this process On November 4, 2016, you spoke with a representative who advised that the accounts were inadvertently not added to the program, and advised she would complete the pre-enrollment processTowards the end of this phone call, the representative was not able to hear youShe stated if she did not hear from you, the accounts would not be set up correctly, you would have to go through this process again, and she could not pre-enroll the accountsThe call was disconnected On November 8,2016, letters were issued advising that the Bank was unable to complete your request to be enrolled into the Hardship program as additional information was neededThe letter instructed you to contact the Bank to complete this process The payments remained scheduled to be withdrawn from your bank account as the accounts were delinquent Please be advised, if an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debtBelow is the current status of your accounts: The NY&C Rewards account was written off on February 5, 2017, with an unpaid balance of $ The Ashley Stewart account was written off on February 20, 2017, with an unpaid balance of $ The Victoria’s Secret Angel account is five billing cycles past due with an outstanding balance of $1,315.67, and a minimum payment of $due by March 17, The Torrid account is four billing cycles past due with an outstanding balance of $467.03, and a minimum payment of $due by March 18, The Bank finds no error and no adjustment will be made to the accountsTo set up suitable payment arrangements please contact our Recovery department at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM***
Dear *** ** ***
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
correspondence submitted to the Bank regarding this same matterPlease find enclosed a copy of our response sent to you on February 17, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W***
To reject the complaint
Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Toyota Rewards credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint
that you have been making payments on the Toyota Rewards credit card account, and fees have been added making it difficult to pay off the balanceWe also understand that you are requesting all fees be removed from the account. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, our records indicate that an authorization to release account-related details has not been provided by the accountholder, *** ** ***As such, we are unable to respond to you regarding your concernsPlease be assured that we will respond to *** ** *** directly, via a separate mailing. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kristina W***