I have communicated with Transunion/Equifax and social security office in regards to stolen identityTransunion and Equifax have closed case with no resolveI spoke with comenity bank today with the fraud department and they said that an investigation is under wayI am trying to see while I am in Germany if I can get to a printer to print forms sent from bankI explained my entire situation to Fraud department at bank and they said they will do full investigation and that I will receive something by mailThank you for your help as well
I RECEIVED THAT SAME LETTER IN THE MAIL AND I CALLED IN TO DISPUTE IT AGAIN, HOW CAN THEY HAVE DELIVERED IT ON NEW YEARS EVE AT 5:09 PM WHEN OUR SHOP WAS CLOSED WHO DID THEY GIVE IT TOO BECAUSE THERE WAS NOONE WORKING, I CONTACTED THE POST OFFICE TO FILE A CLAIM AND WAS TOLD I WAS NOT THE SHIPPER THEREFORE I COULD NOT FILE THE CLAIMBONTON HAS TO FILE THE CLAIM NOT MENEVER THE LESS I DID NOT PURCHASE A GIFT CARD THE PERSON AT BONTON PURCHASED THE GIFTCARDSHE SAID BECAUSE I WAS NOT IN THE STORE SHE HAD TO PURCHASE A GIFT CARD AND THEN MAKE THE PURCHASEI WILL NOT PAY FOR SOMETHING I DID NOT RECEIVE IF I HAVE TO TAKE THIS TO COURT I WILL. MY SHOP WAS CLOSED OUR HOURS OF OPERATION ARE MONDAY TO FRIDAY 9-AND SATURDAY 9-ON REGULAR DAYS NEW YEARS EVE THE SHOP WAS CLOSED SO WHERE DID THEY DELIVER IT TOO. IF I MAKE A PURCHASE ON MY CREDIT CARD AND THEN DIPUTE CHARGE ARE YOU JUST GOING TO SAY OK HE DIDNT MAKE THE PURCHASE LETS JUST GIVE HIM CREDIT? NOOOOOOO YOU ARE GOING TO INVESTIGATE IF INDEED I MADE THE CHARGE OR NOT, WELL GUESS WHAT THE SAME THING APPLIES FOR THIS SITUATION, JUST BECAUSE THEY SAY IT WAS DELIVERED DOES NOT MEAN I RECIEVED ITI SPOKE TO A SUPERVISOR AT YOUR BANK WHO TRIED TO SPEAK TO A SUPERVISOR AT BONTON AND THEY WOULD NOT LET HER SPEAK TO ONE THAT TELLS YOU HOW BAD BONTON IS Regards, *** ***
Dear *** ***: We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to
my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that you have been dealing with a dispute regarding a chargeback that was issued to your companyYou state that an order was placed online at your website and your company shipped the order to the address provided on that order; furthermore, you state that the order was signed forHowever, Comenity Bank issued a chargeback for the cost of the orderYou are requesting that the Bank reverse the chargeback because you feel it is the Banks’s responsibility to safeguard our customer’s information. To better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Names of Accountholder ? Any Addresses ? Home Telephone Number This information can be mailed to the address listed above, or faxed to my attention at ***
***. I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (*** ***
***)I would be happy to assist you. Sincerely, Jenny W*** Consumer Relations Specialist
Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my attention for review, and I
appreciate the opportunity to assist you.We understand from your complaint that you paid the account in full, in the amount of $89.60, on June 10, You state that you have been fraudulently charged for late fees and finance charges on paid in full merchandiseAdditionally, you state that you did not sign with any Bank credit card but you had an Angel card, and you would like their telephone number and for the account to reflect paid in full.Please accept our apology for any frustration or inconvenience you have experiencedBank records indicate that you signed up for the Victoria’s Secret/PINK account on July 19, 2013, which is a credit card program issued by Comenity BankPlease note that Comenity Bank and Victoria’s Secret are separate entitiesComenity Bank handles matters related to the credit card account, while Victoria’s Secret handles matters related to purchases, catalogue orders, return merchandise and shipping and handling.When you purchase an item and use the Victoria’s Secret/PINK credit card account as form of payment, Comenity Bank then sends you a billing statement to reflect the charge, balance, and a payment due/dateIf payment is not made, made after the payment due date, or made for less than the requested minimum payment due listed on the billing statement, the account is assessed a late fee and finance charge, per the Bank’s Credit Card Agreement (CCA).After reviewing your account, we found that your payment of $was received on June 10, 2015, which was after the payment due date of June 1, As a result, the account was assessed a late fee and finance chargeDue to the fees remaining unpaid, your account continued to accrue additional bank fees and reported past due for four billing periods.In the interest of customer service on November 30, 2015, the Bank issued credits to your account totaling $159.79, which resulted in a zero balancePlease be assured that you do not owe anything further on your account and the balance is paid in full.You are a valued customer and we hope this information is helpfulIf you any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questionsYour complaint was forwarded to my attention, and I appreciate
theopportunity to respond to your concerns.We understand the concerns noted in your correspondence, regarding the 30-day late payment delinquencyreporting on your credit file, and we sincerely apologize for any inconvenience this matter may have causedyou.Please be assured that we have reviewed the account, and we are happy to explain our findings below.Bank records indicate that on January 2, 2014, a statement was issued indicating a balance of $15.28, witha minimum payment of $15.28, due by January 28, 2014.As no payment was received by the January due date; a late fee and finance charge were assessed,pursuant to the terms and conditions of the Credit Card Agreement (CCA).Bank records further indicate that on February 2, 2014, a statement was issued indicating a balance of$47.47, with a minimum payment of $20.28, due by February 28, Again, no payment was receivedand a late fee and finance charge were assessed.For your review, we have enclosed copies of the monthly billing statements, which show the account activitythat comprised the account balance and delinquencies, which were reported to the credit bureaus.Although there are no Bank errors, in the interest of customer service, notification has been sent to thenational credit-reporting agencies with instructions to remove the reported delinquency for March 2014,with regard to your VICTORIA’S SECRET accountPlease allow the credit-reporting agencies days toupdate their records.We hope you find this information to be helpfulShould you have any questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and
I appreciate the opportunity to assist youWe understand from your complaint that you made a cash payment for $at the shops of *** Store #***, and this payment has not posted to your accountYou also indicated that you have a copy of the receipt; however, did not include this with your complaintAfter reviewing your account information at the Bank, we did not see that a payment for $60.00 has posted to your accountYou spoke to the Bank, and a telephone dispute was initiated on your behalfOn November 4, 2015, you were sent a letter asking that you provide the Bank with a copy of the payment receipt so that we could credit your accountEnclosed is a copy of the letterPlease be assured that we are happy to credit your payment to the account; however, we need the payment receipt copyYou may send this to my attention at the address listed above, or you can fax to my attention at ###-###-####Once received, I am happy to credit your Victoria’s Secret/PINK account for the $In addition, to avoid the account from being assessed bank fees or negatively reporting to the credit bureaus , we have removed the current minimum payment due for November 17, 2015, and suppressed the finance charges for one billing periodThe next minimum payment due will be December 17, 2015, and the finance charges will also resume, should the balance not be paid in fullWe sincerely apologize for any frustration or inconvenience you have experienced, and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y*** *** *** ***
Dear Ms***We received your additional complaint, regarding the above-referenced accountComenity Bank issues Chadwicks credit card accounts, and we are here to answer all of your account-related questionsYour complaint was forwarded to my attention for review, and I appreciate this opportunity to assist youWe understand your concerns in regard to the credit of $that has not been applied to your accountPlease be advised credits may take one to two billing cycles to appear on the accountAs of the date of this letter, your account balance is zeroThe adjustment was processed on December 28, 2016; and posted to your account on January 3, I hope the information I provided is helpfulShould you have any further questions or concerns about the account, please contact me at ###-###-####I would be happy to assist youSincerely, Kristina W***
Dear Ms***We are in receipt of your complaint regarding the above-referenced accountComenity Bank issues dressbarn credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the
opportunity to respond to your concerns.In your complaint you state that you settled your dressbarn credit card account in April 2014; however Comenity Bank continues to report late payments, which has affected your credit rating.In addition, you state you contacted Comenity Bank via phone to discuss/resolve this matter; however, you never received a call backYou are requesting Comenity Bank update your credit bureau to reflect the account as settled in April 2014, with no late payments after that date.Please note, we have completed a thorough investigation into your dressbarn credit card account, and would like to share our findings.We apologize if you did not receive a call back regarding your concernsWe were unable to locate any previous communication regarding this matter and trust that we can resolve your concerns at this time.Bank records indicate the account was written off due to non-payment on March 17, 2014, with an unpaid balance of $The account was settled, and updated as “closed settlement” on may 27, 2014.We apologize for any frustration or inconvenience this matter may have caused youWe have reviewed the reporting of the account and find that all national credit-reporting agencies are reporting the account as “Account paid in full for less than full balance”This information is accurate, therefore, it will not be changed or deletedPlease be advised that we don’t show any delinquencies being reported after the write off date.I hope you find this information to be helpfulShould you have additional questions or concerns about the account, please contact our Recovery department at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist you. Sincerely, Geanine M***
We received your complaint, submitted to the Revdex.com, regarding the above-notedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and we arehere to answer your questionsThe complaint was forwarded to my attention and I appreciatethe opportunity to address your
concerns.We understand your concerns expressed in the complaint, regarding returned payments,returned payment fees, and your customer service experienceAlso, you have requested thatthe Bank remove the returned payment fees and close your VICTORIA'S SECRET account.Please be assured I have reviewed Bank records and I am happy to share those findings.Bank records indicate that you accessed Account Center on February 17, 2016, and added yourbank informationPlease understand that our associates do not have access to thisinformation.Monthly payments were scheduled on Account Center as follows:February 20, 2016March 14, 2016April 9, 6May 18,2016All payments noted above were returned to us because of an invalid bank account number.Comenity Bank sent you letters on March 18, April 14, and May 22, to the address listed above.The letters explained that the payment(s) were returned and added back to the accountbalance, along with a returned payment feeWe have no record of these letters being returnedby the post office as undeliverable mailEnclosed are copies crf the letters for your records.Additionally, outgoing calls were not made to you because we have record that you madepromises to pay through the Banks IVR system.Please be assured it is never our intention to cause a customer a hardship, and I reviewed thecall you made to the Bank on June 1, Although the associate declined the request toremove the returned payment fees, as they are valid, we did not find that the associate wasunhelpful as described in the complaint, and we apologize that you felt this wayWe strive toprovide world-class service and we are disappointed when our customers feel they receivedless than satisfactory service.Although no Bank errors were found, in the interest of customer service, we have updated youraccount and removed the returned payment fees totaling $Additionally, we waived thepast due payment information and suppressed the interest for one billing periodIf you aremaking the payment on Account Center, we strongly encourage you to log in and "edit" yourbank account informationPlease note when making a payment online, we accept a USchecking account that must have the 9-digit ABA Routing Number and complete CheckingAccount Number (not the check number)Also, we do not accept major credit cards or debitcards as form of payment on Account CenterIf you find that you need assistance in locatingthis information, please do not hesitate to call me directly or you may call our Customer Careteam and they would be happy to assist youThey can be reached at the number on the backof your credit card.In addition to crediting the fees, as a courtesy, we also removed the late payment informationfrom your account for April and May These changes will be made with the creditbureaus and may take days for their records to update.As requested, the account has been closedPlease note that you will no longer have utility touse the account for purchases.You are a valued customer and we apologize for any confusion or frustration this matter mayhave caused youIf you have any further questions or concerns, please contact me at1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the Value City Furniture account noted above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to all account-related questions. Your correspondence
was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding the late fees that were previously assessed to your Value City Furniture account. You state you have been making payments before 11:p.mon your scheduled due date; however, you have been charged late fees. Additionally, you state you have made several requests to receive information regarding your payment history. We apologize for any inconvenience this matter may have caused you. Please be advised that as of November 12, 2015, the payment due date cut off was changed to 11:p.mEastern Time (ET)Prior to that date, all payments must have been received by 6:p.mET to be credited to your account the same day. Your scheduled due date for payment is the 2nd of every monthOur records indicate that your account was credited for four late fees that were previously assessed to your account. A credit of $on December 2, 2014, a credit of $on April 1, 2015, a $credit on October 20, 2015, and a credit of $on December 2, 2015. Also, finance charges were credited to your account in the amount of $on October 14, 2015. Please be aware that there have been no Bank errors, and the credits were made in the interest of customer service. The Bank is unwilling to issue any additional credit to your accountBank records further indicate that on December 3, 2015, we sent copies of your billing statements for you to view for accuracyPlease view the attached table which provides a full accounting of your account from March to present. As of today, the balance is $and a payment of $is due by January 2, We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Ashley H***
I finally received your response in the mail along with the check cashed by ***. If you would have looked at the cashed check you would have realized that *** deposited the $into the wrong account which was listed on the cashed check, not my *** account. So had you cared at all to look into this matter or had you forwarded the check to me back in September when I first disputed this transaction this could have been resolved 1/months ago. Instead you told me it was not your problem and I needed to take it up with ***. So in closing, I did your job and am now working with *** to resolve this issue. Very Poor Customer Service!!! Regards,
*** ***
Dear Mr***:We received your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Virgin America Visa@ accounts and we respond to all account relatedquestionsYour complaint was forwarded to my attention, and I appreciate this
pportunity toassist you.Your inquiry states that you applied for a Virgin America Visa@ Signature account, and you wereunsatisfied that you did not receive the Signature accountFurthermore, you indicate that you would liketo be reconsidered for the Visa@ Signature card, and that if you do not get approved, you are asking foryour current account to be closed and you are asking for the annual fee to be creditedWe apologize forany inconvenience this situation may have caused you.Please note, Comenity Capital Bank's application processing has predefined qualifications whichdetermine whether a customer qualifies for the Visa@ or the Visa@ Signature card; as such this does notguarantee every applicant the Visa@ Signature card.At the time you applied, you did not qualify for a Visa@ Signature accountThis information is based onyour credit bureau reportPlease be assured that Comenity Capital Bank makes every effort to approveour potential customersAlthough you did not receive the Visa@ Signature card, we want to assure youthat you will have the opportunity to enjoy the benefits of being a Virgin America Visa@ cardholder.Some of the benefits you will continue to enjoy would include earning three points per dollar spent on allVirgin America purchases; earning one point per dollar on purchases everywhere Visa@ is accepted,$off a companion ticket each year, and one free checked bag for you and one guest.Additionally, you are requesting the annual fee to be refunded; in the interest of customer service, a creditin the amount of $has been issued to your account to offset the annual fee.Bank records show current usage of the credit cardIf you would like to close the account, please reachout to me at the number listed below.I hope you find this information helpfulShould you have any questions or concerns, please feel free tocontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assistyou.Sincerely,*** ***Consumer Relations Specialist
Dear *** ***:We have received your complaint addressed to the Revdex.com, regarding theabove-referenced accountComenity Bank issues The RoomPlace@ credit card accounts, andwe respond to all account-related inquiriesYour complaint was forwarded to my attention forreview, and I
appreciate this opportunity to assist you.We understand from your complaint that you faxed aver your husband's military orders, so theServicemembers Civil Relief Act (SCRA) benefit could be applied to you and your husband'saccounts.Please be assured that we have reviewed your claim, and I would like to share my findings.This benefit is only able to be applied to an account which lists the active duty servicememberas a primary or joint cardholderAs the above-referenced account does not meet thisqualification, we are unable to honor your request.We hope you find this information to be helpfulIf you have any further questions regarding thisletter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Iwill behappy to assist you.Sincerely,James J*** *** ***
Dear Sirs:In regard to your recent correspondence I wish to be on record as stating I have never received a creditcard from CatherinesI have never received a bill until the bill I just received with a payment due date01/17/2017, I have paid the bill in full 1/2/2017.It was my assumption the credit card request was not valid and the purchases were paid.Your horrible telephone practices caused me grief.Please cancel the credit card I have never received *** immediately. *** ***
Dear *** ***Comenity Bank has received your additional correspondence regarding the above-referencedaccountComenity Bank issues the Avenue credit cardWe are here to answer your questionsand assist with your concerns.As indicated in the previous response dated January 16, 2017, the Avenue account was sold onOctober 24, 2016, with a balance of $The last payment of $was received onSeptember 23, A letter was sent to you on October 25, 2016, advising of the saleWehave confirmed your store payments were received and forwarded to the agencyFor anyadditional information about this account, please contact *** at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####.Sincerely,Shelley A***
Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Buckle credit cardWe are here to answer your questions and assistwith your concerns.Your correspondence indicates you have been receiving threatening calls from the Bank, inregard to an
account that you are unaware ofYou state that your father passed and you sharethe same name, and you have been receiving information that has nothing to do with youYourequest the Bank not contact you for any reason.Our condolences on the loss of your fatherPer your request, a “cease and desist” status hasbeen placed on your client’s accountThis cease and desist request will stop all future collectioncalls, but it will also suspend authorizations for new purchases on all of your client’s accountssince we will be unable to contact himWe will continue to send certain legal communications aspermitted by lawYour request to cease and desist contact on the account may be changed atany time by contacting us again in writing at the below address:Comenity BankPO Box 182273Columbus, OH 43218-3003This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was notmet.The calls you were receiving were in regard to a Buckle account was opened on December 11,2015; use of the account or failure to close the account within days of receiving the CCAindicated your acceptance of the terms of the Agreement, including the assessment of any financecharges and feesThe last purchase of $was made on June 11, 2016, and the last payment of $was received on June 11, The account was written off on January 15,2017, with an unpaid balance of $542.83.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out repayment arrangements to minimize any negative creditreporting impactsMany times a payment is overlooked, and reminder calls or repaymentdiscussions are helpful to bring the account back to a current status.If you still feel this account is not yours, and if you feel this may be an issue of identity theft of youor your father’s personal information, please contact our Account Protection Team directly at ***I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that your Victoria’s Secret/PINK account was reported delinquent by Comenity Bank in November 2014, after the resolution of a billing error that was resolved in your favorThe delinquency was to be removed but still reflects on your credit bureau reportAs a result, you sent a dispute letter to us in October 2015, and you have requested that the delinquency be removed.Bank records indicate that the billing dispute received in was resolved in your favor and that the letter indicated the credit bureau agencies were notified to update their records of any changes that needed to be madeUnfortunately, after receiving the October dispute, you were advised that we could not remove the delinquency and you were referred to contact the credit bureausIt is never the Bank’s intention to cause a customer a hardship, and we sincerely apologize for the way in which your complaint was handled.Please be assured that we sent notification to the national credit-reporting agencies with instructions to delete the November delinquency from your credit filePlease allow the credit-reporting agencies days to update their records.You are a valued customer and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.We understand that you were out of the country and state that you had no access to US mail.In order to resolve this matter, the Bank issued credits totaling $to your accountAs previously communicated the Bank offers multiple payment options to customers, and we encourage you to utilize those options that are available to you.Per the Credit Card Agreement, if payment is not received, made after the due date, or received for less than the required minimum due, the account may be charged a late fee.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***
I have communicated with Transunion/Equifax and social security office in regards to stolen identityTransunion and Equifax have closed case with no resolveI spoke with comenity bank today with the fraud department and they said that an investigation is under wayI am trying to see while I am in Germany if I can get to a printer to print forms sent from bankI explained my entire situation to Fraud department at bank and they said they will do full investigation and that I will receive something by mailThank you for your help as well
It appears that I will not get any justice from themI do not and will not accept their response. Regards, *** ***
I RECEIVED THAT SAME LETTER IN THE MAIL AND I CALLED IN TO DISPUTE IT AGAIN, HOW CAN THEY HAVE DELIVERED IT ON NEW YEARS EVE AT 5:09 PM WHEN OUR SHOP WAS CLOSED WHO DID THEY GIVE IT TOO BECAUSE THERE WAS NOONE WORKING, I CONTACTED THE POST OFFICE TO FILE A CLAIM AND WAS TOLD I WAS NOT THE SHIPPER THEREFORE I COULD NOT FILE THE CLAIMBONTON HAS TO FILE THE CLAIM NOT MENEVER THE LESS I DID NOT PURCHASE A GIFT CARD THE PERSON AT BONTON PURCHASED THE GIFTCARDSHE SAID BECAUSE I WAS NOT IN THE STORE SHE HAD TO PURCHASE A GIFT CARD AND THEN MAKE THE PURCHASEI WILL NOT PAY FOR SOMETHING I DID NOT RECEIVE IF I HAVE TO TAKE THIS TO COURT I WILL. MY SHOP WAS CLOSED OUR HOURS OF OPERATION ARE MONDAY TO FRIDAY 9-AND SATURDAY 9-ON REGULAR DAYS NEW YEARS EVE THE SHOP WAS CLOSED SO WHERE DID THEY DELIVER IT TOO. IF I MAKE A PURCHASE ON MY CREDIT CARD AND THEN DIPUTE CHARGE ARE YOU JUST GOING TO SAY OK HE DIDNT MAKE THE PURCHASE LETS JUST GIVE HIM CREDIT? NOOOOOOO YOU ARE GOING TO INVESTIGATE IF INDEED I MADE THE CHARGE OR NOT, WELL GUESS WHAT THE SAME THING APPLIES FOR THIS SITUATION, JUST BECAUSE THEY SAY IT WAS DELIVERED DOES NOT MEAN I RECIEVED ITI SPOKE TO A SUPERVISOR AT YOUR BANK WHO TRIED TO SPEAK TO A SUPERVISOR AT BONTON AND THEY WOULD NOT LET HER SPEAK TO ONE THAT TELLS YOU HOW BAD BONTON IS Regards, *** ***
Dear *** ***: We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to
my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that you have been dealing with a dispute regarding a chargeback that was issued to your companyYou state that an order was placed online at your website and your company shipped the order to the address provided on that order; furthermore, you state that the order was signed forHowever, Comenity Bank issued a chargeback for the cost of the orderYou are requesting that the Bank reverse the chargeback because you feel it is the Banks’s responsibility to safeguard our customer’s information. To better assist you, we need additional information to locate the account(s) in questionPlease provide the following: ? Complete Comenity Bank Account Number ? Any Names of Accountholder ? Any Addresses ? Home Telephone Number This information can be mailed to the address listed above, or faxed to my attention at ***
***. I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (*** ***
***)I would be happy to assist you. Sincerely, Jenny W*** Consumer Relations Specialist
Thank you for contacting Comenity Bank regarding the above-referenced accountAs the bank that issues Victoria’s Secret/PINK credit cards, we are here to help answer account-related questionsYour complaint, submitted to the Revdex.com, was forwarded to my attention for review, and I
appreciate the opportunity to assist you.We understand from your complaint that you paid the account in full, in the amount of $89.60, on June 10, You state that you have been fraudulently charged for late fees and finance charges on paid in full merchandiseAdditionally, you state that you did not sign with any Bank credit card but you had an Angel card, and you would like their telephone number and for the account to reflect paid in full.Please accept our apology for any frustration or inconvenience you have experiencedBank records indicate that you signed up for the Victoria’s Secret/PINK account on July 19, 2013, which is a credit card program issued by Comenity BankPlease note that Comenity Bank and Victoria’s Secret are separate entitiesComenity Bank handles matters related to the credit card account, while Victoria’s Secret handles matters related to purchases, catalogue orders, return merchandise and shipping and handling.When you purchase an item and use the Victoria’s Secret/PINK credit card account as form of payment, Comenity Bank then sends you a billing statement to reflect the charge, balance, and a payment due/dateIf payment is not made, made after the payment due date, or made for less than the requested minimum payment due listed on the billing statement, the account is assessed a late fee and finance charge, per the Bank’s Credit Card Agreement (CCA).After reviewing your account, we found that your payment of $was received on June 10, 2015, which was after the payment due date of June 1, As a result, the account was assessed a late fee and finance chargeDue to the fees remaining unpaid, your account continued to accrue additional bank fees and reported past due for four billing periods.In the interest of customer service on November 30, 2015, the Bank issued credits to your account totaling $159.79, which resulted in a zero balancePlease be assured that you do not owe anything further on your account and the balance is paid in full.You are a valued customer and we hope this information is helpfulIf you any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountAs the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assist youwith account-related questionsYour complaint was forwarded to my attention, and I appreciate
theopportunity to respond to your concerns.We understand the concerns noted in your correspondence, regarding the 30-day late payment delinquencyreporting on your credit file, and we sincerely apologize for any inconvenience this matter may have causedyou.Please be assured that we have reviewed the account, and we are happy to explain our findings below.Bank records indicate that on January 2, 2014, a statement was issued indicating a balance of $15.28, witha minimum payment of $15.28, due by January 28, 2014.As no payment was received by the January due date; a late fee and finance charge were assessed,pursuant to the terms and conditions of the Credit Card Agreement (CCA).Bank records further indicate that on February 2, 2014, a statement was issued indicating a balance of$47.47, with a minimum payment of $20.28, due by February 28, Again, no payment was receivedand a late fee and finance charge were assessed.For your review, we have enclosed copies of the monthly billing statements, which show the account activitythat comprised the account balance and delinquencies, which were reported to the credit bureaus.Although there are no Bank errors, in the interest of customer service, notification has been sent to thenational credit-reporting agencies with instructions to remove the reported delinquency for March 2014,with regard to your VICTORIA’S SECRET accountPlease allow the credit-reporting agencies days toupdate their records.We hope you find this information to be helpfulShould you have any questions or concerns, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Dear *** *** We received your complaint, submitted to the Revdex.com, regarding the above referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and
I appreciate the opportunity to assist youWe understand from your complaint that you made a cash payment for $at the shops of *** Store #***, and this payment has not posted to your accountYou also indicated that you have a copy of the receipt; however, did not include this with your complaintAfter reviewing your account information at the Bank, we did not see that a payment for $60.00 has posted to your accountYou spoke to the Bank, and a telephone dispute was initiated on your behalfOn November 4, 2015, you were sent a letter asking that you provide the Bank with a copy of the payment receipt so that we could credit your accountEnclosed is a copy of the letterPlease be assured that we are happy to credit your payment to the account; however, we need the payment receipt copyYou may send this to my attention at the address listed above, or you can fax to my attention at ###-###-####Once received, I am happy to credit your Victoria’s Secret/PINK account for the $In addition, to avoid the account from being assessed bank fees or negatively reporting to the credit bureaus , we have removed the current minimum payment due for November 17, 2015, and suppressed the finance charges for one billing periodThe next minimum payment due will be December 17, 2015, and the finance charges will also resume, should the balance not be paid in fullWe sincerely apologize for any frustration or inconvenience you have experienced, and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Shawnda Y*** *** *** ***
Dear Ms***We received your additional complaint, regarding the above-referenced accountComenity Bank issues Chadwicks credit card accounts, and we are here to answer all of your account-related questionsYour complaint was forwarded to my attention for review, and I appreciate this opportunity to assist youWe understand your concerns in regard to the credit of $that has not been applied to your accountPlease be advised credits may take one to two billing cycles to appear on the accountAs of the date of this letter, your account balance is zeroThe adjustment was processed on December 28, 2016; and posted to your account on January 3, I hope the information I provided is helpfulShould you have any further questions or concerns about the account, please contact me at ###-###-####I would be happy to assist youSincerely, Kristina W***
Dear Ms***We are in receipt of your complaint regarding the above-referenced accountComenity Bank issues dressbarn credit card accounts, and we respond to all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the
opportunity to respond to your concerns.In your complaint you state that you settled your dressbarn credit card account in April 2014; however Comenity Bank continues to report late payments, which has affected your credit rating.In addition, you state you contacted Comenity Bank via phone to discuss/resolve this matter; however, you never received a call backYou are requesting Comenity Bank update your credit bureau to reflect the account as settled in April 2014, with no late payments after that date.Please note, we have completed a thorough investigation into your dressbarn credit card account, and would like to share our findings.We apologize if you did not receive a call back regarding your concernsWe were unable to locate any previous communication regarding this matter and trust that we can resolve your concerns at this time.Bank records indicate the account was written off due to non-payment on March 17, 2014, with an unpaid balance of $The account was settled, and updated as “closed settlement” on may 27, 2014.We apologize for any frustration or inconvenience this matter may have caused youWe have reviewed the reporting of the account and find that all national credit-reporting agencies are reporting the account as “Account paid in full for less than full balance”This information is accurate, therefore, it will not be changed or deletedPlease be advised that we don’t show any delinquencies being reported after the write off date.I hope you find this information to be helpfulShould you have additional questions or concerns about the account, please contact our Recovery department at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist you. Sincerely, Geanine M***
We received your complaint, submitted to the Revdex.com, regarding the above-notedaccountComenity Bank issues VICTORIA'S SECRET credit card accounts, and we arehere to answer your questionsThe complaint was forwarded to my attention and I appreciatethe opportunity to address your
concerns.We understand your concerns expressed in the complaint, regarding returned payments,returned payment fees, and your customer service experienceAlso, you have requested thatthe Bank remove the returned payment fees and close your VICTORIA'S SECRET account.Please be assured I have reviewed Bank records and I am happy to share those findings.Bank records indicate that you accessed Account Center on February 17, 2016, and added yourbank informationPlease understand that our associates do not have access to thisinformation.Monthly payments were scheduled on Account Center as follows:February 20, 2016March 14, 2016April 9, 6May 18,2016All payments noted above were returned to us because of an invalid bank account number.Comenity Bank sent you letters on March 18, April 14, and May 22, to the address listed above.The letters explained that the payment(s) were returned and added back to the accountbalance, along with a returned payment feeWe have no record of these letters being returnedby the post office as undeliverable mailEnclosed are copies crf the letters for your records.Additionally, outgoing calls were not made to you because we have record that you madepromises to pay through the Banks IVR system.Please be assured it is never our intention to cause a customer a hardship, and I reviewed thecall you made to the Bank on June 1, Although the associate declined the request toremove the returned payment fees, as they are valid, we did not find that the associate wasunhelpful as described in the complaint, and we apologize that you felt this wayWe strive toprovide world-class service and we are disappointed when our customers feel they receivedless than satisfactory service.Although no Bank errors were found, in the interest of customer service, we have updated youraccount and removed the returned payment fees totaling $Additionally, we waived thepast due payment information and suppressed the interest for one billing periodIf you aremaking the payment on Account Center, we strongly encourage you to log in and "edit" yourbank account informationPlease note when making a payment online, we accept a USchecking account that must have the 9-digit ABA Routing Number and complete CheckingAccount Number (not the check number)Also, we do not accept major credit cards or debitcards as form of payment on Account CenterIf you find that you need assistance in locatingthis information, please do not hesitate to call me directly or you may call our Customer Careteam and they would be happy to assist youThey can be reached at the number on the backof your credit card.In addition to crediting the fees, as a courtesy, we also removed the late payment informationfrom your account for April and May These changes will be made with the creditbureaus and may take days for their records to update.As requested, the account has been closedPlease note that you will no longer have utility touse the account for purchases.You are a valued customer and we apologize for any confusion or frustration this matter mayhave caused youIf you have any further questions or concerns, please contact me at1.800.675.5685, ext*** (TDD/TTY 1.800.695.1788)I will be happy to assist you.Sincerely,Shawnda Y***Consumer Relations SpecialistCC: Revdex.com
Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the Value City Furniture account noted above. Comenity Bank previously issued Value City Furniture credit card accounts, and we respond to all account-related questions. Your correspondence
was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding the late fees that were previously assessed to your Value City Furniture account. You state you have been making payments before 11:p.mon your scheduled due date; however, you have been charged late fees. Additionally, you state you have made several requests to receive information regarding your payment history. We apologize for any inconvenience this matter may have caused you. Please be advised that as of November 12, 2015, the payment due date cut off was changed to 11:p.mEastern Time (ET)Prior to that date, all payments must have been received by 6:p.mET to be credited to your account the same day. Your scheduled due date for payment is the 2nd of every monthOur records indicate that your account was credited for four late fees that were previously assessed to your account. A credit of $on December 2, 2014, a credit of $on April 1, 2015, a $credit on October 20, 2015, and a credit of $on December 2, 2015. Also, finance charges were credited to your account in the amount of $on October 14, 2015. Please be aware that there have been no Bank errors, and the credits were made in the interest of customer service. The Bank is unwilling to issue any additional credit to your accountBank records further indicate that on December 3, 2015, we sent copies of your billing statements for you to view for accuracyPlease view the attached table which provides a full accounting of your account from March to present. As of today, the balance is $and a payment of $is due by January 2, We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Ashley H***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
I finally received your response in the mail along with the check cashed by ***. If you would have looked at the cashed check you would have realized that *** deposited the $into the wrong account which was listed on the cashed check, not my *** account. So had you cared at all to look into this matter or had you forwarded the check to me back in September when I first disputed this transaction this could have been resolved 1/months ago. Instead you told me it was not your problem and I needed to take it up with ***. So in closing, I did your job and am now working with *** to resolve this issue. Very Poor Customer Service!!! Regards,
*** ***
Dear Mr***:We received your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Virgin America Visa@ accounts and we respond to all account relatedquestionsYour complaint was forwarded to my attention, and I appreciate this
pportunity toassist you.Your inquiry states that you applied for a Virgin America Visa@ Signature account, and you wereunsatisfied that you did not receive the Signature accountFurthermore, you indicate that you would liketo be reconsidered for the Visa@ Signature card, and that if you do not get approved, you are asking foryour current account to be closed and you are asking for the annual fee to be creditedWe apologize forany inconvenience this situation may have caused you.Please note, Comenity Capital Bank's application processing has predefined qualifications whichdetermine whether a customer qualifies for the Visa@ or the Visa@ Signature card; as such this does notguarantee every applicant the Visa@ Signature card.At the time you applied, you did not qualify for a Visa@ Signature accountThis information is based onyour credit bureau reportPlease be assured that Comenity Capital Bank makes every effort to approveour potential customersAlthough you did not receive the Visa@ Signature card, we want to assure youthat you will have the opportunity to enjoy the benefits of being a Virgin America Visa@ cardholder.Some of the benefits you will continue to enjoy would include earning three points per dollar spent on allVirgin America purchases; earning one point per dollar on purchases everywhere Visa@ is accepted,$off a companion ticket each year, and one free checked bag for you and one guest.Additionally, you are requesting the annual fee to be refunded; in the interest of customer service, a creditin the amount of $has been issued to your account to offset the annual fee.Bank records show current usage of the credit cardIf you would like to close the account, please reachout to me at the number listed below.I hope you find this information helpfulShould you have any questions or concerns, please feel free tocontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assistyou.Sincerely,*** ***Consumer Relations Specialist
Dear *** ***:We have received your complaint addressed to the Revdex.com, regarding theabove-referenced accountComenity Bank issues The RoomPlace@ credit card accounts, andwe respond to all account-related inquiriesYour complaint was forwarded to my attention forreview, and I
appreciate this opportunity to assist you.We understand from your complaint that you faxed aver your husband's military orders, so theServicemembers Civil Relief Act (SCRA) benefit could be applied to you and your husband'saccounts.Please be assured that we have reviewed your claim, and I would like to share my findings.This benefit is only able to be applied to an account which lists the active duty servicememberas a primary or joint cardholderAs the above-referenced account does not meet thisqualification, we are unable to honor your request.We hope you find this information to be helpfulIf you have any further questions regarding thisletter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Iwill behappy to assist you.Sincerely,James J*** *** ***
Dear Sirs:In regard to your recent correspondence I wish to be on record as stating I have never received a creditcard from CatherinesI have never received a bill until the bill I just received with a payment due date01/17/2017, I have paid the bill in full 1/2/2017.It was my assumption the credit card request was not valid and the purchases were paid.Your horrible telephone practices caused me grief.Please cancel the credit card I have never received *** immediately. *** ***
Dear *** ***Comenity Bank has received your additional correspondence regarding the above-referencedaccountComenity Bank issues the Avenue credit cardWe are here to answer your questionsand assist with your concerns.As indicated in the previous response dated January 16, 2017, the Avenue account was sold onOctober 24, 2016, with a balance of $The last payment of $was received onSeptember 23, A letter was sent to you on October 25, 2016, advising of the saleWehave confirmed your store payments were received and forwarded to the agencyFor anyadditional information about this account, please contact *** at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####.Sincerely,Shelley A***
Comenity Bank has received your correspondence regarding the above-referenced account.Comenity Bank issues the Buckle credit cardWe are here to answer your questions and assistwith your concerns.Your correspondence indicates you have been receiving threatening calls from the Bank, inregard to an
account that you are unaware ofYou state that your father passed and you sharethe same name, and you have been receiving information that has nothing to do with youYourequest the Bank not contact you for any reason.Our condolences on the loss of your fatherPer your request, a “cease and desist” status hasbeen placed on your client’s accountThis cease and desist request will stop all future collectioncalls, but it will also suspend authorizations for new purchases on all of your client’s accountssince we will be unable to contact himWe will continue to send certain legal communications aspermitted by lawYour request to cease and desist contact on the account may be changed atany time by contacting us again in writing at the below address:Comenity BankPO Box 182273Columbus, OH 43218-3003This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was notmet.The calls you were receiving were in regard to a Buckle account was opened on December 11,2015; use of the account or failure to close the account within days of receiving the CCAindicated your acceptance of the terms of the Agreement, including the assessment of any financecharges and feesThe last purchase of $was made on June 11, 2016, and the last payment of $was received on June 11, The account was written off on January 15,2017, with an unpaid balance of $542.83.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out repayment arrangements to minimize any negative creditreporting impactsMany times a payment is overlooked, and reminder calls or repaymentdiscussions are helpful to bring the account back to a current status.If you still feel this account is not yours, and if you feel this may be an issue of identity theft of youor your father’s personal information, please contact our Account Protection Team directly at ***I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that your Victoria’s Secret/PINK account was reported delinquent by Comenity Bank in November 2014, after the resolution of a billing error that was resolved in your favorThe delinquency was to be removed but still reflects on your credit bureau reportAs a result, you sent a dispute letter to us in October 2015, and you have requested that the delinquency be removed.Bank records indicate that the billing dispute received in was resolved in your favor and that the letter indicated the credit bureau agencies were notified to update their records of any changes that needed to be madeUnfortunately, after receiving the October dispute, you were advised that we could not remove the delinquency and you were referred to contact the credit bureausIt is never the Bank’s intention to cause a customer a hardship, and we sincerely apologize for the way in which your complaint was handled.Please be assured that we sent notification to the national credit-reporting agencies with instructions to delete the November delinquency from your credit filePlease allow the credit-reporting agencies days to update their records.You are a valued customer and we hope this information is helpfulIf you have further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns.We understand that you were out of the country and state that you had no access to US mail.In order to resolve this matter, the Bank issued credits totaling $to your accountAs previously communicated the Bank offers multiple payment options to customers, and we encourage you to utilize those options that are available to you.Per the Credit Card Agreement, if payment is not received, made after the due date, or received for less than the required minimum due, the account may be charged a late fee.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***