February 5, *** ** ***
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*** *** *** ** *** Dear *** ***: We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues *** *** credit card accounts, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state you received a voicemail from an account manager threatening that you may need an attorney and to contact the Bank regarding the above-referenced account. You further state that you spoke with a representative of the Bank and told the representative that you were unaware that your past due credit card was being considered a bad debt, and you never received a notice in the mail regarding the account being closed. Additionally, you state that you have reached out to the Bank bi-monthly as you have been struggling financially, and you state that after setting up payment arrangements, you felt as if you were being rushed off the phone. You are frustrated as you are not able to access your account on-line. You are requesting copies of final bills, and another copy of the letter which was sent to you. You are disputing the fact that the account has been charged off as you have never received formal notification from the Bank, and you would like to regain access to your account on-line, so that you can confirm that payments you have scheduled are truly set up We have reviewed your account and we are happy to share our findings. Please find a summary of your *** *** account below. I have enclosed copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus Your *** *** account was opened on May 23, 2007. On November 6, 2015, the account was permanently closed and written off, due to non-receipt of payment, and reported to the national credit-reporting agencies as an unpaid debt with a balance of $ Once an account is written off, statements are no longer issued, and customers are unable to access accounts online. On November 26, 2015, an email was sent to you by the Bank explaining that your account had written-off, and requested that you contact the Bank’s Recovery team at ###-###-#### to set up payment arrangements. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, Comenity Bank finds no errors in its reporting of your *** *** credit card account to the credit bureaus The Bank has reviewed the concerns in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met We hope you find this information helpful. Should you have any further questions regarding the account, please contact our Recovery Team at ###-###-####. They will be happy to assist you Sincerely, LauraR*** Laura R*** Consumer Relations Specialist CC: Revdex.com
September 20, 2015Dear Catherine,Thank you for your response to my Revdex.com request for action (ID 10794735)I am including documents that I think you will find helpful in resolving my issue with the Comenity Bank and my MasterCard disputePlease be advised, I have already sent these documents to them.Thank you for your prompt attention to this matter.Susan Jane Glupker
Dear *** *** We received your letter, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsI appreciate the opportunity to assist you
Your complaint indicates that you opened the Victoria’s Secret/PINK account and used the card for the first purchase, paying off the balance with the first statement and never using the account againYou later found that the account was being charged $a month for a service that you were unaware of and after applying for an auto loan, you found the account is charged off as an unpaid debtYou state that you want Comenity Bank to correct their mistake and remove the debt from your credit filePlease find a summary of the account belowI have enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus Our records indicate that your account was enrolled in Identity Protector (IDP) on November 15, 2012, which is an optional service provided to our customers by our partners, CPP North AmericaTypically, the service includes a free thirty-day trial period to try out their productIf the service is not cancelled within the thirty-day free trial period, monthly benefits are automatically billed to a customer’s credit card accountIn this instance, your account was enrolled when you called to verify receipt of your credit cardThe membership was automatically cancelled on October 22, 2013, due to the vendor’s inability to bill your account based on the account’s past due statusAs a courtesy, please be advised that credit totaling $were issued to the account to remove the previous membership feesPlease be assured that the third party collection agency listed below will be notified of the credit applied In addition to the IDP enrollment, you charged a total of $in merchandise to your Victoria’s Secret/PINK credit card account in January 2013, which reflected on your February billing statementOn February 7, 2013, the Bank received a payment for $62.69, which was returned by your Bank on February 13, 2013, and debited back to the accountAs no further payments were received, the account accrued monthly late fees and finance charges, as explained in the Credit Card Agreement (CCA) On November 1, 2013, the account wrote-off due to non-paymentThe Bank then sold the account to Portfolio Recovery on December 12, Delinquent accounts typically will report for seven years from the date the account first became delinquent (not from the date of sale or date of last activity) Comenity Bank finds this information to be accurateAs we are obligated to report factual information to the credit-reporting agencies, this information will not be changed or removed from your credit bureau report We hope this information is helpfulShould you have further questions about the account, please contact Portfolio Recovery directly at ###-###-#### Sincerely, Shawnda Y*** *** *** ***
I have attached an exerpt from comenity bank sent to me in a letter: Payment Confirmation
Here's the status of your payment requests
Print
This payment has been scheduled
Herberger's -..***
Comenity bill dispute
Delivery:
Standard
Confirmation #:
***
Amount:
$
Transaction ID:
***
Fees:
No Fee
Pay On:
06/02/
Pay From:
Checking - ***
Memo:
From *** *** to pay Herberger
Total Number of Payments:
Total Payment Amount:
$
I did not receive the services I purchased and I did not receive any type of refund. In the beginning of the dispute I was given a credit which was reflected on my credit card statement and it was stated on the statement itself that I could transfer the amount to my checking account but when I called to transfer the amount I was told I couldn't actually transfer the amount by the comenity representative. That didn't make any sense to me, you can see that in one of the attachments. The following month I got a letter saying I was only getting the credit and the balance on my credit card statement changed again. This credit card company is getting out of honoring consumer protection by refunding customers for service packages through American Laser center that were not received. In the response sent today 08/12/it stated that you have days to say you are unhappy with a product. How can a consumer purchase services and at the same time predict the servicing company is going to close their doors months later. In today's response comenity is stating you can't get back for services you already paid for ? How is this possible when you are prepaying for services expecting the company to exisit ? It is insane to punish a consumer for paying off their credit card bill in months versus taking a full year when it is a year service plan anyways. What if they had closed in a year I still would of been out that one year of services ? The policy doesn't make any sense at all and comenity is just giving me the run around. The more responses I get like this the further I am going to take this. I know comenity represents other companies like *** *** and just because it is Comenity you couldn't even pay me to open an *** *** card. I always ask who the financing company is now because of this experience. Please see the attached documents for supporting evidence. The media needs to get more involved to make others aware of how unfair this is and how comenity doesn't protect it's clients. I so wish I had used my *** *** card because that is a company you can trust and they will make sure you are protected and get the services you paid for.
Regards,
*** ***
I believe this to be predatory lendingWhen I signed a contract for the credit card, the interest rate was given is 24.99%I don't care if they did send a notice or notIt is wrongCurrent customers shouldn't be subjected to this type of lendingIt is wrong, It is wrongBanks are allowed to do these things and the customer never have any recourse+ = percentThe credit isn't worth itAs soon as I can I will be paying this card off and closing the accountSometime ago I requested an increase and I got a letter of denial for the increase, but all of a sudden because I was a good customer, my limit went to $1,I had to call them to stop increasing itI'm sure Roamans will be very happy to lose a customer because of bank they use for credit servicesComenity Bank will never win using practices like thisThank you Revdex.com for your time, but coming to you for assistance didn't help meI only got a nasty response telling me what I didn't do and what Comenity is not going to do
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns. Your correspondence states you are making
payments early to your accountYou state that we have double posted the March, April, and May payments, and your account is being penalized with the assessment of late feesYou spoke to an associate who explained that you are paying the bill early and only one late fee could be waivedYou state that you asked the associate about the June payment being applied to the account, and you were told that the payment applied for May, although, you say the payment was made after the May bill was dueYou believe this practice to be ludicrous and we are penalizing you for paying on timeYou state this has a negative impact on your credit report and you want all of the late fees reversed on the account, as well as the organization to look into the billing practices. We have reviewed your concerns and below is a summary of our findings for your accountWe apologize for any frustration or inconvenience you may have been causedPlease be aware, 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 feeEnclosed are copies of the billing statements for February through May. A billing statement was issued to you on February 13, 2017, reflecting a balance of $and a minimum payment of $due by March 11, Payments of $were received on February 16, 2017, and on March 10, The account was assessed a finance charge of $for the outstanding balance. A billing statement was issued to you on March 16, 2017, reflecting a balance of $and a minimum payment of $due by April 11, Payment of $was received on April 12, 2017, and after the due dateThe account was assessed a late fee of $27.00, a finance charge of $10.25, and an $Account Assure fee. A billing statements was issued to you on April 15, 2017, reflecting a balance of $and a minimum payment of $due by May 11, Payment of $was received on May 15, 2017, and after the due dateThe account was assessed a late fee of $27.00, a finance charge of $11.14, and an $Account Assure fee. With regard to paying ahead on your accountPlease note use of the account or failure to close the account within days of receiving the Credit Card Agreements (CCA) indicated acceptance of the terms of the Agreements, including the assessment of any fees. Within the CCA under Section C, “Learning more about your account,” under the “Minimum Payment” subheading, states: • You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement. This means that if one or more payments are made that exceed the minimum payment due, the minimum payment must still be paid each subsequent month there is a balance on the account. Additional payments received are not applied to the next billing cycle due date; however, are applied to your current cycle balanceSince payments were not received by all statement due dates, late fees were assessed to your account. Concerning your request to remove the late fees, our records show, as a courtesy, late fees and finance charges, in the amount of $were credited to the accountAs no Bank errors were found, no additional credits are due to your account at this timeAdditionally, please be assured no negative payment information reported to the credit-reporting agencies. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y***
Comenity Bank has received your correspondence regarding the above-referenced application.Comenity Bank issues the Palais Royal credit cardWe are here to answer your questions andassist with your concerns.Your correspondence indicates you did not intend to apply for a Palais Royal credit card
accountbut an account was opened in your nameWe apologize for any frustration or inconvenience thismatter may have caused you.The account was opened in the retail store on March 31, Please note when an applicationis processed, an applicant is required to provide personal information such as date of birth, SocialSecurity number, etcto open an account.Since your correspondence states you did not intend to apply for this credit card account, theaccount was closed and notification was sent to the credit reporting agencies to delete the accountand the inquiry associated with this account from your filesThis update should appear on yourcredit file within the next calendar daysI hope you found this information to be helpfulIf you have any questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Shelley A***
Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenityCapital Bank issues the Credit Connect credit accountWe are here to answer your questions and assist withyour concerns.Your complaint states you made two payments in October with the intention
for one of the payments to be appliedtowards your November paymentHowever, both payments were applied towards your October billing cycle andyou received notification that your account fell past due for NovemberYou feel your conversations with Bankrepresentatives were not helpful, and state you were hung up on when you asked to speak to a supervisor.When you called back you were able to speak to a supervisor; however, the supervisor was unable to resolveyour concernsYou are requesting that the second payment made in October be applied towards your Novemberpayment and for the late fee that was assessed to be waivedI understand your concerns and apologize for anyconfusion or frustration this may have caused you.Our records indicate that a payment of $posted to your account on October 20, 2016, and a payment of$posted to your account on October 21, Please be advised that both payments were appliedtowards your October billing periodAt this time, the Bank does not offer the option of paying in advance on anyaccountTo protect your credit, please pay at least the minimum due indicated on your statement each month.Any amount paid in excess of the minimum due will be credited to your balance for the billing period in which thatpayment is receivedAdditionally, we do not honor post-dated checks, payments are processed when received.Keep in mind, you may schedule a payment on Account Center up to days in advance.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWeapologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in aless-than-satisfactory mannerWe are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not metBank records indicate you spoke with a Bank representativeon December 2, During this call, a late fee credit of $was applied to your account, and an electronicrefund of $was issued for the double payment.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free tocontact me at ###-###-####Sincerely,
.Comenity Capital Bank (Bank) has received your additional correspondence regarding the above referencedaccountComenity Capital Bank issues the Boscov’s credit card accountsWe arehere to answer your questions and assist with your concerns.We understand that your Boscov’s account was fraudulently
used in May 2016, in which multipletransactions were posted to the account, totaling $1,You contacted the Bank to report theactivity and were advised that it would be taken care ofIn September 2016, you receivedcorrespondence from the Bank advising that you were responsible for the associated charges.When contacting the Bank about the outcome of your investigation, you were advised that thepaperwork required was not sent out to youYou received the paperwork in October 2016, andreturned it immediately; yet, your claim has not been resolvedYou are requesting to have thedisputed amount and associated fees credited to your account, and your payments refundedWeapologize for the frustration you may have experienced as a result of this situation.After a thorough investigation of the claim, we have concluded that you are not responsible forthe disputed amount on this credit card accountFinance charges totaling $124.06, and late feestotaling $130.00, have also been credited to the accountThe Bank will be issuing a refund in theamount $169.00, that you will receive in the next business days.We have sent notification to the credit-reporting agencies to remove the delinquency reported inDecember 2016, please allow them up to business days to update their records.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####
Good Afternoon,Comenity Bank received the complaint for 11958002. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until February 17, Please let me know if this extension date is not approved. Thank you, *** ***
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Dear *** *** We have received your complaint submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We are also in receipt of your prior correspondence submitted to the Kansas, Revdex.com , regarding this same matterPlease find enclosed a copy of our response sent to you on May 6, Additionally, we understand that you spoke with a representative to close the account and you were advised the account would not be closed unless the card was paid in full. You state that you should have every right to close the account. You state that you want to settle the account for half of the balance and have the late fees removed and the account closed Please be advised we reviewed the call pleaced on June 30, 2016, the representative confirmed that although the account could be closed that the balance would still be owed. We apologize for the miscommunication. Please be assured the account was closed on June 30, 2016, per your request We have previously removed late fee’s totaling $72.00, as such, we are unwilling to remove any more fees regarding this matter. The balance of $is valid, we are unable to settle for less than the balance in full. Although the account is closed, you will continue to receive e-statements until the balance is paid in full I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, KaiM***
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues your Roaman's@ credit card accounts, and we arehere to assist you with all account-related questions or concernsI appreciate the opportunity torespond to your
concerns.We understand from your inquiry that you purchased a coat from Roaman's@ on December 19,2014, and returned the coat on February 11, You then make a payment online for$You later received a telephone call from a collection representative stating you haven'tpaid your billThis representative advised you that the payment was not processed, due to theaccount information being incorrect, which you believe was a lieYou also received a lettersaying the $payment was returned because your returned merchandiseYou do notunderstand your balance, and believe that nothing is owed on the account.Thank you for speaking with me on May 20, As discussed, the Bank has issued creditstotaling $to remove all fees that were charged to the accountSince your recent paymentof $posted on May 20,2015, you now have a zero balance.Additionally, the Bank has reviewed the issues in your cornptaint, as well as the applicablephone conversationsWe apologize if you felt that you did not receive the best customerserviceIt is never the Bank's intention to treat our customers in a less-than-satisfactorymannerComenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.You are a valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pottery Barn credit cardWe are here to answer your questions and assist with your concernsWe previously received and responded to your correspondence submitted to
Comenity Bank regarding this same matterPlease find enclosed copies of our responses sent to you on January 31, and February 6, Additionally, the Bank has found that a previous finance charge of $was credited to the account on January 24, 2017, and we respectfully decline your request to credit any additional finance charge at this timeAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding your maurices credit card accountComenity Bank issues maurices credit card accounts, and we respond to all account-related questions and concernsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that every day, with the exception of Sunday, you are receiving multiple calls and voicemails from Comenity BankYou state that you are aware of your debt with Comenity Bnk, and will make a payment once you have the finances to do soYou are requesting that Comenity Bank discontinue the frequent calls being made six days of the weekWe apologize for any frustration this matter may have caused you.Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Ban may call you until our attempts to communicate are successfulPlease be advised that we have updated the phone number ending in so no further collection calls are made to that number.You may send us a written request to cease and desist all contact to collect on your account(s)This written request would stop all future collection phone calls, but it would also suspend authorization for new purchased on (all of) your account(s) with Comenity Bank since we would not be able to contact youYour request to cease and desist contact on your account(s) may be changed at any time by contacting us again in writingIf you wish to have this status added to your account(s), please write the Bank at the below address:Comenity BankP O Box 182273Columbus, OH 43218-2273Bank records indicate your maurices credit card account is three billing periods past duePlease note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debtThe last payment of $54.00, posted to the maurices account on April 18, 2016, and was returned on April 22, 2016, due to insufficient fundsCurrently, a minimum payment of $is due by May 17, 2016.We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThis program provides customers with twelve months of special terms in order to bring and keep the account currentIf you are interested in obtaining information on whether you qualify for this program, please call ***.Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCS), organization for assistanceTheir program can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsWe support and participate in the program provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues Roamants@ credit card accounts, and we are here to assist you with allaccount-related questionsI appreciate the opportunity to respond to your concernsWe
understand from your complaint, you returned silver sandals and were charged $for this return.You paid $for the white tank top that you purchased, and did not returnYou state an agentrefused to help you by chang~ng you due date to avoid the feeAlso, we understand the concerns youexpressed in your complaint regarding the late fees and the balanceYou would like your accountbalance returned to zero.Please note that Comenity Bank and Roaman's are two separate entitiesThe Bank is responsible foraddressing questions related to your credit card accountRoaman's is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Thank you for speaking with me on June 18, Per our discussion, in the interest of customerservice, Cornenity Bank is not holding you responsible fos the remaining balance on the acmuntWehave issued credit to your account to adjust your account balance to 30.00.Additionally, your due date was changed on June 4,2015, to the 161h of each monthThe Bank has reviewed the issues in your complaint, as well as the applicable phone conversations Weapologize if you felt that you did not receive the best customer serviceIt is never the Bank's lntentron totreat our customers in a less-than-satisfactory mannerCornenityB ank is committed to providing the bestcustomer service and is disappointed when a customer feels that this standard was not met,You are a valued customer and we hope this information is helpfulShould you have any furtherquestions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY###-###-####)I would be happy to assist you.Sincerely,*** ***
the business failed to make a good faith effort to resolve the situation, and failed to explain why my application was deemed fraudulent when I was the one who applied for the credit card in questionFurthermore, the business has taken no steps to rectify the problem
Regards, *** ***
February 5, *** ** ***
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*** *** *** ** *** Dear *** ***: We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues *** *** credit card accounts, and we are here to help answer your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns You state you received a voicemail from an account manager threatening that you may need an attorney and to contact the Bank regarding the above-referenced account. You further state that you spoke with a representative of the Bank and told the representative that you were unaware that your past due credit card was being considered a bad debt, and you never received a notice in the mail regarding the account being closed. Additionally, you state that you have reached out to the Bank bi-monthly as you have been struggling financially, and you state that after setting up payment arrangements, you felt as if you were being rushed off the phone. You are frustrated as you are not able to access your account on-line. You are requesting copies of final bills, and another copy of the letter which was sent to you. You are disputing the fact that the account has been charged off as you have never received formal notification from the Bank, and you would like to regain access to your account on-line, so that you can confirm that payments you have scheduled are truly set up We have reviewed your account and we are happy to share our findings. Please find a summary of your *** *** account below. I have enclosed copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus Your *** *** account was opened on May 23, 2007. On November 6, 2015, the account was permanently closed and written off, due to non-receipt of payment, and reported to the national credit-reporting agencies as an unpaid debt with a balance of $ Once an account is written off, statements are no longer issued, and customers are unable to access accounts online. On November 26, 2015, an email was sent to you by the Bank explaining that your account had written-off, and requested that you contact the Bank’s Recovery team at ###-###-#### to set up payment arrangements. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, Comenity Bank finds no errors in its reporting of your *** *** credit card account to the credit bureaus The Bank has reviewed the concerns in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met We hope you find this information helpful. Should you have any further questions regarding the account, please contact our Recovery Team at ###-###-####. They will be happy to assist you Sincerely, LauraR*** Laura R*** Consumer Relations Specialist CC: Revdex.com
September 20, 2015Dear Catherine,Thank you for your response to my Revdex.com request for action (ID 10794735)I am including documents that I think you will find helpful in resolving my issue with the Comenity Bank and my MasterCard disputePlease be advised, I have already sent these documents to them.Thank you for your prompt attention to this matter.Susan Jane Glupker
Dear *** *** We received your letter, submitted to the Revdex.com, regarding the above-noted accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsI appreciate the opportunity to assist you
Your complaint indicates that you opened the Victoria’s Secret/PINK account and used the card for the first purchase, paying off the balance with the first statement and never using the account againYou later found that the account was being charged $a month for a service that you were unaware of and after applying for an auto loan, you found the account is charged off as an unpaid debtYou state that you want Comenity Bank to correct their mistake and remove the debt from your credit filePlease find a summary of the account belowI have enclosed a copy of the Credit Card Agreement (CCA), as well as copies of the billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus Our records indicate that your account was enrolled in Identity Protector (IDP) on November 15, 2012, which is an optional service provided to our customers by our partners, CPP North AmericaTypically, the service includes a free thirty-day trial period to try out their productIf the service is not cancelled within the thirty-day free trial period, monthly benefits are automatically billed to a customer’s credit card accountIn this instance, your account was enrolled when you called to verify receipt of your credit cardThe membership was automatically cancelled on October 22, 2013, due to the vendor’s inability to bill your account based on the account’s past due statusAs a courtesy, please be advised that credit totaling $were issued to the account to remove the previous membership feesPlease be assured that the third party collection agency listed below will be notified of the credit applied In addition to the IDP enrollment, you charged a total of $in merchandise to your Victoria’s Secret/PINK credit card account in January 2013, which reflected on your February billing statementOn February 7, 2013, the Bank received a payment for $62.69, which was returned by your Bank on February 13, 2013, and debited back to the accountAs no further payments were received, the account accrued monthly late fees and finance charges, as explained in the Credit Card Agreement (CCA) On November 1, 2013, the account wrote-off due to non-paymentThe Bank then sold the account to Portfolio Recovery on December 12, Delinquent accounts typically will report for seven years from the date the account first became delinquent (not from the date of sale or date of last activity) Comenity Bank finds this information to be accurateAs we are obligated to report factual information to the credit-reporting agencies, this information will not be changed or removed from your credit bureau report We hope this information is helpfulShould you have further questions about the account, please contact Portfolio Recovery directly at ###-###-#### Sincerely, Shawnda Y*** *** *** ***
I have attached an exerpt from comenity bank sent to me in a letter: Payment Confirmation
Here's the status of your payment requests
Print
This payment has been scheduled
Herberger's -..***
Comenity bill dispute
Delivery:
Standard
Confirmation #:
***
Amount:
$
Transaction ID:
***
Fees:
No Fee
Pay On:
06/02/
Pay From:
Checking - ***
Memo:
From *** *** to pay Herberger
Total Number of Payments:
Total Payment Amount:
$
I did not receive the services I purchased and I did not receive any type of refund. In the beginning of the dispute I was given a credit which was reflected on my credit card statement and it was stated on the statement itself that I could transfer the amount to my checking account but when I called to transfer the amount I was told I couldn't actually transfer the amount by the comenity representative. That didn't make any sense to me, you can see that in one of the attachments. The following month I got a letter saying I was only getting the credit and the balance on my credit card statement changed again. This credit card company is getting out of honoring consumer protection by refunding customers for service packages through American Laser center that were not received. In the response sent today 08/12/it stated that you have days to say you are unhappy with a product. How can a consumer purchase services and at the same time predict the servicing company is going to close their doors months later. In today's response comenity is stating you can't get back for services you already paid for ? How is this possible when you are prepaying for services expecting the company to exisit ? It is insane to punish a consumer for paying off their credit card bill in months versus taking a full year when it is a year service plan anyways. What if they had closed in a year I still would of been out that one year of services ? The policy doesn't make any sense at all and comenity is just giving me the run around. The more responses I get like this the further I am going to take this. I know comenity represents other companies like *** *** and just because it is Comenity you couldn't even pay me to open an *** *** card. I always ask who the financing company is now because of this experience. Please see the attached documents for supporting evidence. The media needs to get more involved to make others aware of how unfair this is and how comenity doesn't protect it's clients. I so wish I had used my *** *** card because that is a company you can trust and they will make sure you are protected and get the services you paid for.
Regards,
*** ***
I believe this to be predatory lendingWhen I signed a contract for the credit card, the interest rate was given is 24.99%I don't care if they did send a notice or notIt is wrongCurrent customers shouldn't be subjected to this type of lendingIt is wrong, It is wrongBanks are allowed to do these things and the customer never have any recourse+ = percentThe credit isn't worth itAs soon as I can I will be paying this card off and closing the accountSometime ago I requested an increase and I got a letter of denial for the increase, but all of a sudden because I was a good customer, my limit went to $1,I had to call them to stop increasing itI'm sure Roamans will be very happy to lose a customer because of bank they use for credit servicesComenity Bank will never win using practices like thisThank you Revdex.com for your time, but coming to you for assistance didn't help meI only got a nasty response telling me what I didn't do and what Comenity is not going to do
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Lane Bryant credit cardWe are here to answer your questions and assist with your concerns. Your correspondence states you are making
payments early to your accountYou state that we have double posted the March, April, and May payments, and your account is being penalized with the assessment of late feesYou spoke to an associate who explained that you are paying the bill early and only one late fee could be waivedYou state that you asked the associate about the June payment being applied to the account, and you were told that the payment applied for May, although, you say the payment was made after the May bill was dueYou believe this practice to be ludicrous and we are penalizing you for paying on timeYou state this has a negative impact on your credit report and you want all of the late fees reversed on the account, as well as the organization to look into the billing practices. We have reviewed your concerns and below is a summary of our findings for your accountWe apologize for any frustration or inconvenience you may have been causedPlease be aware, 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 feeEnclosed are copies of the billing statements for February through May. A billing statement was issued to you on February 13, 2017, reflecting a balance of $and a minimum payment of $due by March 11, Payments of $were received on February 16, 2017, and on March 10, The account was assessed a finance charge of $for the outstanding balance. A billing statement was issued to you on March 16, 2017, reflecting a balance of $and a minimum payment of $due by April 11, Payment of $was received on April 12, 2017, and after the due dateThe account was assessed a late fee of $27.00, a finance charge of $10.25, and an $Account Assure fee. A billing statements was issued to you on April 15, 2017, reflecting a balance of $and a minimum payment of $due by May 11, Payment of $was received on May 15, 2017, and after the due dateThe account was assessed a late fee of $27.00, a finance charge of $11.14, and an $Account Assure fee. With regard to paying ahead on your accountPlease note use of the account or failure to close the account within days of receiving the Credit Card Agreements (CCA) indicated acceptance of the terms of the Agreements, including the assessment of any fees. Within the CCA under Section C, “Learning more about your account,” under the “Minimum Payment” subheading, states: • You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement. This means that if one or more payments are made that exceed the minimum payment due, the minimum payment must still be paid each subsequent month there is a balance on the account. Additional payments received are not applied to the next billing cycle due date; however, are applied to your current cycle balanceSince payments were not received by all statement due dates, late fees were assessed to your account. Concerning your request to remove the late fees, our records show, as a courtesy, late fees and finance charges, in the amount of $were credited to the accountAs no Bank errors were found, no additional credits are due to your account at this timeAdditionally, please be assured no negative payment information reported to the credit-reporting agencies. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y***
Comenity Bank has received your correspondence regarding the above-referenced application.Comenity Bank issues the Palais Royal credit cardWe are here to answer your questions andassist with your concerns.Your correspondence indicates you did not intend to apply for a Palais Royal credit card
accountbut an account was opened in your nameWe apologize for any frustration or inconvenience thismatter may have caused you.The account was opened in the retail store on March 31, Please note when an applicationis processed, an applicant is required to provide personal information such as date of birth, SocialSecurity number, etcto open an account.Since your correspondence states you did not intend to apply for this credit card account, theaccount was closed and notification was sent to the credit reporting agencies to delete the accountand the inquiry associated with this account from your filesThis update should appear on yourcredit file within the next calendar daysI hope you found this information to be helpfulIf you have any questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Shelley A***
Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenityCapital Bank issues the Credit Connect credit accountWe are here to answer your questions and assist withyour concerns.Your complaint states you made two payments in October with the intention
for one of the payments to be appliedtowards your November paymentHowever, both payments were applied towards your October billing cycle andyou received notification that your account fell past due for NovemberYou feel your conversations with Bankrepresentatives were not helpful, and state you were hung up on when you asked to speak to a supervisor.When you called back you were able to speak to a supervisor; however, the supervisor was unable to resolveyour concernsYou are requesting that the second payment made in October be applied towards your Novemberpayment and for the late fee that was assessed to be waivedI understand your concerns and apologize for anyconfusion or frustration this may have caused you.Our records indicate that a payment of $posted to your account on October 20, 2016, and a payment of$posted to your account on October 21, Please be advised that both payments were appliedtowards your October billing periodAt this time, the Bank does not offer the option of paying in advance on anyaccountTo protect your credit, please pay at least the minimum due indicated on your statement each month.Any amount paid in excess of the minimum due will be credited to your balance for the billing period in which thatpayment is receivedAdditionally, we do not honor post-dated checks, payments are processed when received.Keep in mind, you may schedule a payment on Account Center up to days in advance.We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWeapologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in aless-than-satisfactory mannerWe are committed to providing the best customer service and are disappointedwhen a customer feels this standard was not metBank records indicate you spoke with a Bank representativeon December 2, During this call, a late fee credit of $was applied to your account, and an electronicrefund of $was issued for the double payment.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free tocontact me at ###-###-####Sincerely,
Please take action on this bill I could not make a payment because it was canceled
.Comenity Capital Bank (Bank) has received your additional correspondence regarding the above referencedaccountComenity Capital Bank issues the Boscov’s credit card accountsWe arehere to answer your questions and assist with your concerns.We understand that your Boscov’s account was fraudulently
used in May 2016, in which multipletransactions were posted to the account, totaling $1,You contacted the Bank to report theactivity and were advised that it would be taken care ofIn September 2016, you receivedcorrespondence from the Bank advising that you were responsible for the associated charges.When contacting the Bank about the outcome of your investigation, you were advised that thepaperwork required was not sent out to youYou received the paperwork in October 2016, andreturned it immediately; yet, your claim has not been resolvedYou are requesting to have thedisputed amount and associated fees credited to your account, and your payments refundedWeapologize for the frustration you may have experienced as a result of this situation.After a thorough investigation of the claim, we have concluded that you are not responsible forthe disputed amount on this credit card accountFinance charges totaling $124.06, and late feestotaling $130.00, have also been credited to the accountThe Bank will be issuing a refund in theamount $169.00, that you will receive in the next business days.We have sent notification to the credit-reporting agencies to remove the delinquency reported inDecember 2016, please allow them up to business days to update their records.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####
Good Afternoon,Comenity Bank received the complaint for 11958002. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until February 17, Please let me know if this extension date is not approved. Thank you, *** ***
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Dear *** *** We have received your complaint submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns We are also in receipt of your prior correspondence submitted to the Kansas, Revdex.com , regarding this same matterPlease find enclosed a copy of our response sent to you on May 6, Additionally, we understand that you spoke with a representative to close the account and you were advised the account would not be closed unless the card was paid in full. You state that you should have every right to close the account. You state that you want to settle the account for half of the balance and have the late fees removed and the account closed Please be advised we reviewed the call pleaced on June 30, 2016, the representative confirmed that although the account could be closed that the balance would still be owed. We apologize for the miscommunication. Please be assured the account was closed on June 30, 2016, per your request We have previously removed late fee’s totaling $72.00, as such, we are unwilling to remove any more fees regarding this matter. The balance of $is valid, we are unable to settle for less than the balance in full. Although the account is closed, you will continue to receive e-statements until the balance is paid in full I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, KaiM***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me at this time
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues your Roaman's@ credit card accounts, and we arehere to assist you with all account-related questions or concernsI appreciate the opportunity torespond to your
concerns.We understand from your inquiry that you purchased a coat from Roaman's@ on December 19,2014, and returned the coat on February 11, You then make a payment online for$You later received a telephone call from a collection representative stating you haven'tpaid your billThis representative advised you that the payment was not processed, due to theaccount information being incorrect, which you believe was a lieYou also received a lettersaying the $payment was returned because your returned merchandiseYou do notunderstand your balance, and believe that nothing is owed on the account.Thank you for speaking with me on May 20, As discussed, the Bank has issued creditstotaling $to remove all fees that were charged to the accountSince your recent paymentof $posted on May 20,2015, you now have a zero balance.Additionally, the Bank has reviewed the issues in your cornptaint, as well as the applicablephone conversationsWe apologize if you felt that you did not receive the best customerserviceIt is never the Bank's intention to treat our customers in a less-than-satisfactorymannerComenity Bank is committed to providing the best customer service and isdisappointed when a customer feels that this standard was not met.You are a valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Pottery Barn credit cardWe are here to answer your questions and assist with your concernsWe previously received and responded to your correspondence submitted to
Comenity Bank regarding this same matterPlease find enclosed copies of our responses sent to you on January 31, and February 6, Additionally, the Bank has found that a previous finance charge of $was credited to the account on January 24, 2017, and we respectfully decline your request to credit any additional finance charge at this timeAs of the date of this letter, the account balance is zeroI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding your maurices credit card accountComenity Bank issues maurices credit card accounts, and we respond to all account-related questions and concernsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that every day, with the exception of Sunday, you are receiving multiple calls and voicemails from Comenity BankYou state that you are aware of your debt with Comenity Bnk, and will make a payment once you have the finances to do soYou are requesting that Comenity Bank discontinue the frequent calls being made six days of the weekWe apologize for any frustration this matter may have caused you.Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Ban may call you until our attempts to communicate are successfulPlease be advised that we have updated the phone number ending in so no further collection calls are made to that number.You may send us a written request to cease and desist all contact to collect on your account(s)This written request would stop all future collection phone calls, but it would also suspend authorization for new purchased on (all of) your account(s) with Comenity Bank since we would not be able to contact youYour request to cease and desist contact on your account(s) may be changed at any time by contacting us again in writingIf you wish to have this status added to your account(s), please write the Bank at the below address:Comenity BankP O Box 182273Columbus, OH 43218-2273Bank records indicate your maurices credit card account is three billing periods past duePlease note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debtThe last payment of $54.00, posted to the maurices account on April 18, 2016, and was returned on April 22, 2016, due to insufficient fundsCurrently, a minimum payment of $is due by May 17, 2016.We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our Customer Hardship ProgramThis program provides customers with twelve months of special terms in order to bring and keep the account currentIf you are interested in obtaining information on whether you qualify for this program, please call ***.Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCS), organization for assistanceTheir program can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditorsWe support and participate in the program provided by CCCS agenciesShould you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***
Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveComenity Bank issues Roamants@ credit card accounts, and we are here to assist you with allaccount-related questionsI appreciate the opportunity to respond to your concernsWe
understand from your complaint, you returned silver sandals and were charged $for this return.You paid $for the white tank top that you purchased, and did not returnYou state an agentrefused to help you by chang~ng you due date to avoid the feeAlso, we understand the concerns youexpressed in your complaint regarding the late fees and the balanceYou would like your accountbalance returned to zero.Please note that Comenity Bank and Roaman's are two separate entitiesThe Bank is responsible foraddressing questions related to your credit card accountRoaman's is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Thank you for speaking with me on June 18, Per our discussion, in the interest of customerservice, Cornenity Bank is not holding you responsible fos the remaining balance on the acmuntWehave issued credit to your account to adjust your account balance to 30.00.Additionally, your due date was changed on June 4,2015, to the 161h of each monthThe Bank has reviewed the issues in your complaint, as well as the applicable phone conversations Weapologize if you felt that you did not receive the best customer serviceIt is never the Bank's lntentron totreat our customers in a less-than-satisfactory mannerCornenityB ank is committed to providing the bestcustomer service and is disappointed when a customer feels that this standard was not met,You are a valued customer and we hope this information is helpfulShould you have any furtherquestions or concerns, please do not hesitate to contact me at ###-###-####, ext*** (TDD/TTY###-###-####)I would be happy to assist you.Sincerely,*** ***
the business failed to make a good faith effort to resolve the situation, and failed to explain why my application was deemed fraudulent when I was the one who applied for the credit card in questionFurthermore, the business has taken no steps to rectify the problem
Regards, *** ***