Dear *** ***
Thank you for contacting the Revdex.com regarding a Victoria’s Secret Angel credit card account. As the bank that issues Victoria’s Secret Angel accounts, we are here to assist in answering any credit-related questions. Your
inquiry was forwarded to my attention, and I appreciate this opportunity to assist you
We understand from the Revdex.com complaint above that you may be a victim of identity theft and someone is using your information to apply for the Victoria’s Secret Angel card. In addition, you are requesting that this matter is resolved
We apologize for the inconvenience this may have caused you and understand how frustrating identity theft can be.
Based on the limited information you provided, Comenity Bank is unable to verify the account in question; therefore, we are unable to complete an investigation
We suggest a couple options to assist you in getting this matter resolved. If you believe a Victoria’s Secret Angel account has been fraudulently opened in your name, please contact our Account Protection (Fraud) department at *** *** and file a fraud claim. Additionally, we suggest contacting the national credit-reporting agencies to verify the information on your credit file You may also place a fraud alert on your credit report You may reach them with the contact information listed below
We hope you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext*** (TDD/TTY ###-###-####); and I will be happy to assist you further
Sincerely,
*** *** Consumer Relations Specialist
I did not receive the cash off price at the pump during the first days as promised on the credit agreement I signed with this bank, I was told that someone, on the bank's side, did not program my card to receive rebates Comenity has refused to address this after I made phone calls to their bank and then requested that they contact me my mail or email as I did not trust them to make phone calls, I have also contacted the ohio attorner general for advertisement and hope that you have a very good lawyer as I am taking Comenity to court and this may come to a newspaper near you
Regards,*** ***
Dear Ms***We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit cardaccounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and I
appreciate the opportunity to respond to your concerns.We understand your concerns regarding thebilling statements that you did not receive, the late fees that were assessedto your account, and the late payment information that was reported to thecredit-reporting agencies, and we apologize for any inconvenience this mattermay have caused you. After careful review, we have determined thatyou enrolled in paperless statements on November 8, 2014, when you registeredyour account in our online Account Center. Your monthly statements were being sent to the email address youprovided at registration, *** We have no record of your statement ready email notifications beingreturned as undeliverable. On April 22,2015, your account was updated to receive your billing statements viamail. Our records indicate that your Maystatement was mailed to the address that is listed on the account in Meridian,Idaho. We have enclosed copies of yourbilling statements for your records.On April 23, 2015, credits of $and$were applied to your account for the late fees that were previously assessedto your account. You now have a creditbalance in the amount of $57.83. Arefund check will be sent via the US Postal Service, and you should receive itwithin to days. Additionally, we have sent notification tothe national credit-reporting agencies to remove the negative paymentinformation reported regarding the Pottery Barn credit card account. Please allow the credit-reporting agencies 45days to update their records.We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, *** ***Consumer Relations Specialist
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded
to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 7, 2015, regarding the same issueWe have enclosed a copy of our previousresponse for your recordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,
*** ***Consumer Relations SpecialistDear *** ***Thank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare accountBecause your disputeletter arrived more than days afler the first billing statement on which the disputed charge appeased,the amount subject to dispute is limited to your balance at the time we received your dispute letterSinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge($) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entitiesThe bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as a"provisional credit" and a 'finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenienceIf you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####)Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIRELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, coIor, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #I 1, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues your KingSize credit card account, and we are here to assist you with allaccount-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you are stating you mailed your payment in a tlmely manner, andyou feel your $late fee should be removedYou also state you had issues reaching our CustomerCare team.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receipt.We apologize if you felt that you did not receive the best customer service when you contacted ourCustomer Care departmentIt is never the Bank's intention to treat our customers in a less-than satisfactorymannerCornenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.As of the date of this letter, we have removed the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####), I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded to my
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint sent to the Consumer Financial Protection Bureau on May 4, 2015, regarding thesame issueWe have enclosed a copy of our previous response for your recordsPlease beadvised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. I'd like to personally thank *** *** for her time and effort in resolving the situation.I sent payment for the entire balance earlier today,
Regards,
*** ***
Dear Ms***We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues west elm credit card
accounts, and we respond to account-related questions. Your complaint was forwarded to my attention,
and I appreciate
the opportunity to respond to your concerns.We understand your concerns regarding the
return that was processed on May 11, 2015, and you indicated that you were not
given the proper credit for your return. You are asking for your balance to be adjusted to zero, and your account
closed. I apologize for any
inconvenience this matter may have caused you.Our records indicate that a purchase for
$was applied to your account on April 15, 2015. A credit for $was applied to your
account on April 16, 2015. A statement
was issued on April 23, 2015, with a balance of $and a minimum payment
of $due by May 19, 2015.On May 11, 2015, a credit for $was
issued for the returned merchandise, leaving a remaining balance of $for
the shipping and handling along with the tax. Please be advised that shipping and handling is non-refundable.As no further payments were made to your
account, late fees and finance charges were applied to your account in
accordance to the Credit Card Agreement. In the interest of customer service, we have removed the previously
assessed finance charges and late fees in the amount of $167.59. Your current account balance is $22.21. This balance is valid through November 23,
2015, at which time the account will bill. If the balance of $is not paid in full; applicable fees will be
assessed to the account.Additionally, in the interest of customer
service, notification has been sent to the national credit-reporting agencies
with instructions to delete the negative payment information that was reported
from July through October 2015, regarding the west elm account. Please allow the credit-reporting agencies
days to update their records.Please be assured that the account has been
closed, per your requestWe hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at ###-###-####,
ext*** TDD/TTY ###-###-####). I
will be happy to assist you.Sincerely, Ashley H***
*** *** ***
Dear Bobbie JB*** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
correspondence regarding this same matter. Please find enclosed a copy of our response dated October 25, 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,Alyson F*
Thank you so much for your helpI did not think anything would come of my complaint, but you really helped meI am so gratefulThe total of my purchase was $I paid $for shipping & handling but they returned the $late fee to me I'm O.Kwith thatThanks again for your concern & helpI'll be always eternally grateful.Sincerely, *** ***
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues the PINK credit card accounts. We are here to answer your questions and assist with your concerns We understand your concerns
as explained in your correspondence. You stated that you made a purchase of $27.95, then paid $on May 3, 2016, to pay the account in full. However, you have received calls from the Bank, advising the account was $past due. You stated you were charged for an identity protector that you never signed up for. You contacted the company, and they credited your account for the charges. You are requesting to have the remaining charges removed, and the account closed. Our records indicate that the account was opened on September 3, 2013; use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. In addition, your account was enrolled in Identity Protector (IDP365), which is an optional service provided to our customers by our partners, CPP North American. Typically, this service is offered when the customer calls to activate the card, and it includes a thirty-day trial period at an introductory rate of $0.99. If the service is not cancelled within the thirty-day trial period, the monthly charge of $is automatically billed to the customer’s account On May 26, 2016, a purchase in the amount of $29.43, was applied to your account; on June 7, 2016, a payment in the amount of $was received, resulting in an outstanding balance The account billed on June 11, 2016, with a balance of $31.99, and a minimum payment of $27.00, due by July 7, 2016. As no payment was received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became two billing cycles past due The IDPservice was cancelled on August 26, 2016, and the account was issued two credits of $14.99. A $payment was received on August 30, 2016; however, there was still a remaining balance from the previous unpaid fees. As a result of non-payment, the account was assessed additional late fees and finance charges In the interest of customer service, the Bank has issued credits totaling $to remove the previously assessed late fees and finance charges, which will result in a zero balance on your account. Please be assured, we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days. Additionally, the account was closed on December 5, 2016, per your request. Although you have closed the account, we hope that you will continue to shop with Victoria’s Secret. I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
Dear Mr*** We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to
assist you. We understand from your complaint that you were advised that an Express account was opened in your name on March 14, 2016, with a $1,credit limit and a high credit balance owed of $583.00. You state that you never opened an account with our Bank and that the account did not appear on your credit report until June. You request this account be investigated and a correction to your credit report. We apologize for any frustration this matter has caused you Please be advised the Bank closed the account due to suspicious activity. The Bank attempted to send you a Statement of Fraud and Forgery (SOFF), on June 24, 2016, to the address on file. We are enclosing a copy of the SOFF, without the return envelope. Please complete the SOFF and return via mail to the address listed on the SOFF. Please be aware that the completed SOFF is an important document that we ask that you complete and immediately mail it back to the address listed in the SOFF. Please be advised fraud case# 20160712-322, has been initiated to investigate your claim. Upon conclusion of the investigation a letter will be sent to you regarding the findings If you believe you have been a victim of fraud, we encourage you to contact the credit-reporting agencies and place a fraud alert on your credit file The alert will notify potential creditors that you have been a victim of fraud, and you will be contacted before an application is approved You may contact any one of the agencies listed below and they will notify the other two, so your alert will be reflected with all agencies. We hope this information is helpful. Should you have any further questions or concerns, please contact our Account Protection department at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you Sincerely, KaiM***
I still never received my card but at this point I definitely do not want itI will not affiliate myself with this bank or any of the stores they are associated withI did not know I could not make my payment after a certain time of day, since I didn't have a statement to go by, as to why I was not aware I had a late fee in the first placeThis has been the worst experience with a so called bank that I have ever hadI do not think that I should have to pay any fees associated with this accountIt isn't the amount of the fee that I am concerned about, it is the pointI have had nothing but trouble with this bank since the opening of my account and feel like I was tricked into paying the late fee that I paid since, again, I DID NOT KNOW I HAD A BALANCEThis is just ridiculous
*** ***
Dear *** ** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Zales credit card. We are here to answer your questions and assist with your concerns We previously
received and responded to your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response sent to you on January 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, Kristina W***
Hello,I received a letter from the company which I had a complaint against and was informed that I would not receive any more phone calls from said company as of 2-5-I have received phone calls dailyI understandthat they are trying to reach someone for a debt but the nonstop callsafter they have been advised that the party is not available is irritatingto say the leastIf I choose not to answer the phone they choose not toleave a message, rather just continuously callI will attach a copy of the letter showing that no phone calls from Comenity bank should be received at my phone number ending in*** ** I will also try to attach pictures of my caller ID to show the continued phone callsIf the company calls from the same number on different days it simply updates to the last incoming/most recent call, however the calls are continuous and on a daily basis.Thank you*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your correspondence, addressed to the Revdex.com, that you
noticedcharges for the Account Assure Program applied to your statementsThese charges have been assessedto your account since May You state that you did not authorize enrollment in the program, and arerequesting that these charges are credited back to your credit card account.I attempted to reach out to you via the telephone number ending in *** to discuss this matterMy attemptwas unsuccessful.Account Assure is a debt cancellation program provided by a third party vendorOur records indicate youenrolled in the program via the Bank’s online Account Center on May 2, An Account Assure welcomeletter package was mailed to you on May 3, 2016.After a thorough review of the account, our records indicate credits of $25.54, for the last Account Assurefee, and $0.02, for the related finance charge, were issued to your account on April 4, 2017.Please be assured that additional credits totaling $227.13, for the remaining Account Assure fees, and$4.78, for the related finance charges, were issued to your account on April 6, These credits willappear on your next billing statement, which closes on April 17, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related questions or concernsYour complaint was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you enrolled in the Bank Hardship Program and were advised on multiple occasions by Bank representatives that your credit limit would be auto reinstated to $once you completed the Hardship Program, or paid off the account balanceAs you made payment and requested to be removed from the Hardship Program, the credit limit was not reinstatedYou feel you have been lied to and you want the credit limit reinstated without review of a credit report. Please be assured that we reviewed our records, and we extend our sincere apology for the way in which your account was handled. Bank records indicate that as a result of delinquent payments for July, August, September, and October 2013, the credit limit on the account was lowered to zero and the charging privileges were suspendedTypically, in order to have the credit limit increased, a customer would have to continue making timely payments, and one of two things will occur; the system will increase the credit limit or the customer can call and requests a credit limit increaseWe have no record that either of these scenarios occurred. The account fell past due again for five billing periods; May, June, July, August, September, and October You brought the account current for November 2014, and the account became past due again for the December and January billing periods. On January 28, 2015, you agreed to enroll in the Bank’s Hardship ProgramThe Hardship Program reduces the Annual Percentage Rate (APR) to 10%, suspends future late fees for the duration of the program, reduces the monthly payment to 2% of the current balance with a minimum of $Additionally, after three consecutive on-time payments are made, or equivalent lump sum payment is received, we will remove unpaid late fees, and bring the account currentHowever, the program does not grant an auto reinstatement of the credit limit. On May 1, 2015, you requested the account be removed from the Hardship Program, and we received a payment of $This payment went towards paying off your account balance. As of the date of this letter, the account has a remaining balance of $9.92, which is for finance charges assessed for the April and May billing periodsAlso, seven days after the payment was received, the credit limit was increased to $However, we realize that you were advised that the credit limit would increase to $350.00. Please know that we are proud of the excellent customer service that we give to our customers, and we appreciate hearing from them if they experience any difficultiesWe feel our associates are knowledgeable, friendly, and eager to assist our customersThe situation you described is not a typical example of the services provided by our associates and again, we sincerely apologize for any distress or frustration you were causedThe telephone calls have been reviewed, and we were disappointed to find that you were provided with inaccurate information and we lacked the excellent service that you deservedPlease be assured that our management team is aware of the calls and this situationThey have followed up with our associates to ensure this matter does not happen again. Additionally, please be assured that we have reinstated the account credit limit to $350.00. You are a valued customer and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist
Dear *** ***
Thank you for contacting the Revdex.com regarding a Victoria’s Secret Angel credit card account. As the bank that issues Victoria’s Secret Angel accounts, we are here to assist in answering any credit-related questions. Your
inquiry was forwarded to my attention, and I appreciate this opportunity to assist you
We understand from the Revdex.com complaint above that you may be a victim of identity theft and someone is using your information to apply for the Victoria’s Secret Angel card. In addition, you are requesting that this matter is resolved
We apologize for the inconvenience this may have caused you and understand how frustrating identity theft can be.
Based on the limited information you provided, Comenity Bank is unable to verify the account in question; therefore, we are unable to complete an investigation
We suggest a couple options to assist you in getting this matter resolved. If you believe a Victoria’s Secret Angel account has been fraudulently opened in your name, please contact our Account Protection (Fraud) department at *** *** and file a fraud claim. Additionally, we suggest contacting the national credit-reporting agencies to verify the information on your credit file You may also place a fraud alert on your credit report You may reach them with the contact information listed below
We hope you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to reach me directly at ###-###-####, ext*** (TDD/TTY ###-###-####); and I will be happy to assist you further
Sincerely,
*** *** Consumer Relations Specialist
I did not receive the cash off price at the pump during the first days as promised on the credit agreement I signed with this bank, I was told that someone, on the bank's side, did not program my card to receive rebates Comenity has refused to address this after I made phone calls to their bank and then requested that they contact me my mail or email as I did not trust them to make phone calls, I have also contacted the ohio attorner general for advertisement and hope that you have a very good lawyer as I am taking Comenity to court and this may come to a newspaper near you
Regards,*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
Dear Ms***We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit cardaccounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and I
appreciate the opportunity to respond to your concerns.We understand your concerns regarding thebilling statements that you did not receive, the late fees that were assessedto your account, and the late payment information that was reported to thecredit-reporting agencies, and we apologize for any inconvenience this mattermay have caused you. After careful review, we have determined thatyou enrolled in paperless statements on November 8, 2014, when you registeredyour account in our online Account Center. Your monthly statements were being sent to the email address youprovided at registration, *** We have no record of your statement ready email notifications beingreturned as undeliverable. On April 22,2015, your account was updated to receive your billing statements viamail. Our records indicate that your Maystatement was mailed to the address that is listed on the account in Meridian,Idaho. We have enclosed copies of yourbilling statements for your records.On April 23, 2015, credits of $and$were applied to your account for the late fees that were previously assessedto your account. You now have a creditbalance in the amount of $57.83. Arefund check will be sent via the US Postal Service, and you should receive itwithin to days. Additionally, we have sent notification tothe national credit-reporting agencies to remove the negative paymentinformation reported regarding the Pottery Barn credit card account. Please allow the credit-reporting agencies 45days to update their records.We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, *** ***Consumer Relations Specialist
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded
to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint on April 7, 2015, regarding the same issueWe have enclosed a copy of our previousresponse for your recordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,
*** ***Consumer Relations SpecialistDear *** ***Thank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincarecredit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare accountBecause your disputeletter arrived more than days afler the first billing statement on which the disputed charge appeased,the amount subject to dispute is limited to your balance at the time we received your dispute letterSinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge($) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entitiesThe bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as a"provisional credit" and a 'finance charge credit." You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenienceIf you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####)Any ofour team members will be happy to help you.Sincerely,Customer Care teamSEND BANKRUPTCY NOTICESIRELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, coIor, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #I 1, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts08.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues your KingSize credit card account, and we are here to assist you with allaccount-related questions or concernsI appreciate the opportunity to respond to
your concerns.We understand from your complaint that you are stating you mailed your payment in a tlmely manner, andyou feel your $late fee should be removedYou also state you had issues reaching our CustomerCare team.Please be assured that Comenity Bank processes conforming payments the same day they are received.A conforming payment is one that includes a single check and a remittance stub in a remittanceenvelopeNon-conforming payments are opened, dated, and processed within five days of receipt.We apologize if you felt that you did not receive the best customer service when you contacted ourCustomer Care departmentIt is never the Bank's intention to treat our customers in a less-than satisfactorymannerCornenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.As of the date of this letter, we have removed the $late fee.We sincerely apologize for the frustration and inconvenience this matter may have caused youShouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####), I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Dear *** ***We received a complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help withaccount-related questionsThe complaint, addressed to the Revdex.com, wasforwarded to my
attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to acomplaint sent to the Consumer Financial Protection Bureau on May 4, 2015, regarding thesame issueWe have enclosed a copy of our previous response for your recordsPlease beadvised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. I'd like to personally thank *** *** for her time and effort in resolving the situation.I sent payment for the entire balance earlier today,
Regards,
*** ***
Dear Ms***We received your complaint, addressed to the
Revdex.com, regarding the account referenced above. Comenity Bank issues west elm credit card
accounts, and we respond to account-related questions. Your complaint was forwarded to my attention,
and I appreciate
the opportunity to respond to your concerns.We understand your concerns regarding the
return that was processed on May 11, 2015, and you indicated that you were not
given the proper credit for your return. You are asking for your balance to be adjusted to zero, and your account
closed. I apologize for any
inconvenience this matter may have caused you.Our records indicate that a purchase for
$was applied to your account on April 15, 2015. A credit for $was applied to your
account on April 16, 2015. A statement
was issued on April 23, 2015, with a balance of $and a minimum payment
of $due by May 19, 2015.On May 11, 2015, a credit for $was
issued for the returned merchandise, leaving a remaining balance of $for
the shipping and handling along with the tax. Please be advised that shipping and handling is non-refundable.As no further payments were made to your
account, late fees and finance charges were applied to your account in
accordance to the Credit Card Agreement. In the interest of customer service, we have removed the previously
assessed finance charges and late fees in the amount of $167.59. Your current account balance is $22.21. This balance is valid through November 23,
2015, at which time the account will bill. If the balance of $is not paid in full; applicable fees will be
assessed to the account.Additionally, in the interest of customer
service, notification has been sent to the national credit-reporting agencies
with instructions to delete the negative payment information that was reported
from July through October 2015, regarding the west elm account. Please allow the credit-reporting agencies
days to update their records.Please be assured that the account has been
closed, per your requestWe hope this information is helpful. Should you have any other questions or
concerns regarding this account, please feel free to contact me at ###-###-####,
ext*** TDD/TTY ###-###-####). I
will be happy to assist you.Sincerely, Ashley H***
*** *** ***
I am rejecting this response because:
Regards, *** ***
Dear Bobbie JB*** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with your concerns. We previously received and responded to your
*
correspondence regarding this same matter. Please find enclosed a copy of our response dated October 25, 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,Alyson F
Thank you so much for your helpI did not think anything would come of my complaint, but you really helped meI am so gratefulThe total of my purchase was $I paid $for shipping & handling but they returned the $late fee to me I'm O.Kwith thatThanks again for your concern & helpI'll be always eternally grateful.Sincerely, *** ***
Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues the PINK credit card accounts. We are here to answer your questions and assist with your concerns We understand your concerns
as explained in your correspondence. You stated that you made a purchase of $27.95, then paid $on May 3, 2016, to pay the account in full. However, you have received calls from the Bank, advising the account was $past due. You stated you were charged for an identity protector that you never signed up for. You contacted the company, and they credited your account for the charges. You are requesting to have the remaining charges removed, and the account closed. Our records indicate that the account was opened on September 3, 2013; use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. In addition, your account was enrolled in Identity Protector (IDP365), which is an optional service provided to our customers by our partners, CPP North American. Typically, this service is offered when the customer calls to activate the card, and it includes a thirty-day trial period at an introductory rate of $0.99. If the service is not cancelled within the thirty-day trial period, the monthly charge of $is automatically billed to the customer’s account On May 26, 2016, a purchase in the amount of $29.43, was applied to your account; on June 7, 2016, a payment in the amount of $was received, resulting in an outstanding balance The account billed on June 11, 2016, with a balance of $31.99, and a minimum payment of $27.00, due by July 7, 2016. As no payment was received, the account was assessed late fees and finance charges, in accordance with the CCA, and the account became two billing cycles past due The IDPservice was cancelled on August 26, 2016, and the account was issued two credits of $14.99. A $payment was received on August 30, 2016; however, there was still a remaining balance from the previous unpaid fees. As a result of non-payment, the account was assessed additional late fees and finance charges In the interest of customer service, the Bank has issued credits totaling $to remove the previously assessed late fees and finance charges, which will result in a zero balance on your account. Please be assured, we removed the negative payment information regarding the account, which will update with the credit-reporting agencies within days. Additionally, the account was closed on December 5, 2016, per your request. Although you have closed the account, we hope that you will continue to shop with Victoria’s Secret. I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M
Dear Mr*** We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues EXPRESS credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to
assist you. We understand from your complaint that you were advised that an Express account was opened in your name on March 14, 2016, with a $1,credit limit and a high credit balance owed of $583.00. You state that you never opened an account with our Bank and that the account did not appear on your credit report until June. You request this account be investigated and a correction to your credit report. We apologize for any frustration this matter has caused you Please be advised the Bank closed the account due to suspicious activity. The Bank attempted to send you a Statement of Fraud and Forgery (SOFF), on June 24, 2016, to the address on file. We are enclosing a copy of the SOFF, without the return envelope. Please complete the SOFF and return via mail to the address listed on the SOFF. Please be aware that the completed SOFF is an important document that we ask that you complete and immediately mail it back to the address listed in the SOFF. Please be advised fraud case# 20160712-322, has been initiated to investigate your claim. Upon conclusion of the investigation a letter will be sent to you regarding the findings If you believe you have been a victim of fraud, we encourage you to contact the credit-reporting agencies and place a fraud alert on your credit file The alert will notify potential creditors that you have been a victim of fraud, and you will be contacted before an application is approved You may contact any one of the agencies listed below and they will notify the other two, so your alert will be reflected with all agencies. We hope this information is helpful. Should you have any further questions or concerns, please contact our Account Protection department at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you Sincerely, KaiM***
I still never received my card but at this point I definitely do not want itI will not affiliate myself with this bank or any of the stores they are associated withI did not know I could not make my payment after a certain time of day, since I didn't have a statement to go by, as to why I was not aware I had a late fee in the first placeThis has been the worst experience with a so called bank that I have ever hadI do not think that I should have to pay any fees associated with this accountIt isn't the amount of the fee that I am concerned about, it is the pointI have had nothing but trouble with this bank since the opening of my account and feel like I was tricked into paying the late fee that I paid since, again, I DID NOT KNOW I HAD A BALANCEThis is just ridiculous
*** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards,
*** ***
Dear *** ** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Zales credit card. We are here to answer your questions and assist with your concerns We previously
received and responded to your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response sent to you on January 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, Kristina W***
Hello,I received a letter from the company which I had a complaint against and was informed that I would not receive any more phone calls from said company as of 2-5-I have received phone calls dailyI understandthat they are trying to reach someone for a debt but the nonstop callsafter they have been advised that the party is not available is irritatingto say the leastIf I choose not to answer the phone they choose not toleave a message, rather just continuously callI will attach a copy of the letter showing that no phone calls from Comenity bank should be received at my phone number ending in*** ** I will also try to attach pictures of my caller ID to show the continued phone callsIf the company calls from the same number on different days it simply updates to the last incoming/most recent call, however the calls are continuous and on a daily basis.Thank you*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Carson’s credit cardWe are here to answer your questions and assist with yourconcerns.We understand from your correspondence, addressed to the Revdex.com, that you
noticedcharges for the Account Assure Program applied to your statementsThese charges have been assessedto your account since May You state that you did not authorize enrollment in the program, and arerequesting that these charges are credited back to your credit card account.I attempted to reach out to you via the telephone number ending in *** to discuss this matterMy attemptwas unsuccessful.Account Assure is a debt cancellation program provided by a third party vendorOur records indicate youenrolled in the program via the Bank’s online Account Center on May 2, An Account Assure welcomeletter package was mailed to you on May 3, 2016.After a thorough review of the account, our records indicate credits of $25.54, for the last Account Assurefee, and $0.02, for the related finance charge, were issued to your account on April 4, 2017.Please be assured that additional credits totaling $227.13, for the remaining Account Assure fees, and$4.78, for the related finance charges, were issued to your account on April 6, These credits willappear on your next billing statement, which closes on April 17, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related questions or concernsYour complaint was forwarded to
my attention, and I appreciate the opportunity to assist you. We understand from your complaint that you enrolled in the Bank Hardship Program and were advised on multiple occasions by Bank representatives that your credit limit would be auto reinstated to $once you completed the Hardship Program, or paid off the account balanceAs you made payment and requested to be removed from the Hardship Program, the credit limit was not reinstatedYou feel you have been lied to and you want the credit limit reinstated without review of a credit report. Please be assured that we reviewed our records, and we extend our sincere apology for the way in which your account was handled. Bank records indicate that as a result of delinquent payments for July, August, September, and October 2013, the credit limit on the account was lowered to zero and the charging privileges were suspendedTypically, in order to have the credit limit increased, a customer would have to continue making timely payments, and one of two things will occur; the system will increase the credit limit or the customer can call and requests a credit limit increaseWe have no record that either of these scenarios occurred. The account fell past due again for five billing periods; May, June, July, August, September, and October You brought the account current for November 2014, and the account became past due again for the December and January billing periods. On January 28, 2015, you agreed to enroll in the Bank’s Hardship ProgramThe Hardship Program reduces the Annual Percentage Rate (APR) to 10%, suspends future late fees for the duration of the program, reduces the monthly payment to 2% of the current balance with a minimum of $Additionally, after three consecutive on-time payments are made, or equivalent lump sum payment is received, we will remove unpaid late fees, and bring the account currentHowever, the program does not grant an auto reinstatement of the credit limit. On May 1, 2015, you requested the account be removed from the Hardship Program, and we received a payment of $This payment went towards paying off your account balance. As of the date of this letter, the account has a remaining balance of $9.92, which is for finance charges assessed for the April and May billing periodsAlso, seven days after the payment was received, the credit limit was increased to $However, we realize that you were advised that the credit limit would increase to $350.00. Please know that we are proud of the excellent customer service that we give to our customers, and we appreciate hearing from them if they experience any difficultiesWe feel our associates are knowledgeable, friendly, and eager to assist our customersThe situation you described is not a typical example of the services provided by our associates and again, we sincerely apologize for any distress or frustration you were causedThe telephone calls have been reviewed, and we were disappointed to find that you were provided with inaccurate information and we lacked the excellent service that you deservedPlease be assured that our management team is aware of the calls and this situationThey have followed up with our associates to ensure this matter does not happen again. Additionally, please be assured that we have reinstated the account credit limit to $350.00. You are a valued customer and we hope this information is helpfulShould you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist