[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I have already heard this and after the initial investigation was completed, I was told the charges were unfounded and I was assured that this would be removed off my card as well as all the late feesI called back several times and was told the same thingSo I do not trust or believe it should take days againNot to mention the nasty threat letters I have received from this company that the investigation was completed and it would not be reopened and payment is expected immediately
The charges are not mine, the initial investigation from this company backed that upWhy do an investigation on an investigation? It is ridiculousThese charges need to be removed as promised by this company
Regards,
*** ***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Catherines credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a payment in full, and after returning from out of town you received the payment returned back to you due to the payment being sent to the wrong payment center. At that time you contacted the Bank and explained this situation to the Bank representative. You also state during the conversation with the Bank representative you were advised that the fees assessed to the account would be removed, and your balance would become the original balance of $177.87. However, the fees were not removed and the account continually assessed fees. You advised the representative that you would make the payment within the next two days. You are requesting that the Bank honor what the representative told you previously and remove the fees assessed to the accountI listened to the call in questions and did find that the fees were not removed as promised. In the interest of customer service, credits totaling $have been applied to your account, which will bring the balance to zero. Additionally, your credit limit has been reinstated to the original credit limit of $1,Please be assured that notification has been submitted to the national credit-reporting agencies requesting all delinquencies are removed from your credit file, regarding the Catherines accountWe value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because: I already sent my dispute letterIt was delivered
June 29,
,
8:am
Delivered
COLUMBUS, OH 43218
Your item was delivered at 8:am on June 29, in COLUMBUS, OH
June 28,
,
10:am
Available for Pickup
COLUMBUS, OH 43218
Regards,
Katelyn Vaughan
Dear Ms*** Thank you for contacting Comenity Bank, regarding the above-referenced account. As the bank that issues HOT TOPIC accounts, we respond to all account-related concerns. Your complaint was forwarded to my attention, and I appreciate this opportunity to
assist you We understand from your complaint that you are requesting all late fees and charges to be removed from your account due to you paying off your bill in April 2016. We also understand that when you made your payment in store, your account number was incorrectly put into the system, which caused the payment not to be credited to your account. In addition, you are requesting that any negative credit-reporting be removed. Furthermore, you state you no longer want a HOT TOPIC account and you request a store gift card as compensation for the time you spent to resolve this matter Our records indicate that the Bank attempted to resolve this matter on multiple occasions. In May a letter was sent to you explaining that additional information was needed to resolve your concerns. No additional information was received; therefore, the Bank sent you a letter advising that we were closing the dispute. However, the letter also explained that if you wished to resubmit the payment dispute, you may forward the previously requested documents to the Bank. This scenario was repeated in June, July, and August. I have enclosed a copy of these letters for your review On September 11, 2016, the HOT TOPIC store corrected the payment error and applied a credit of $to your account On September 16, 2016, you spoke with a Bank representative who removed the fees from your account. As of the date of this letter, your account balance is zero. I have updated your payment history to remove all delinquencies that were reported for the HOT TOPIC account Please allow days for this information to be updated in their records. Please be assured the account was closed, as you requested The Bank respectfully declines your request for compensation We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Kristina W***
I'm emailing you in regards to complaint number *** I was under the impression that this issue had been closedI mailed back the information requested by Comenity Capital Bank and did not hear anything backAssuming that the issue had been resolved I didn't look into this any furtherHowever, this morning I received an extremely threatening phone call from a *** *** from *** *** saying that if I didn't pay the $600+ by 3pm today they were going to send the account to their lawyers and I would be served papers and would have to go to courtThey called me on my work phone numberI'm not sure how they got this number, but they shouldn't be calling me at workI called Jenny W*** from Comenity and left her a voicemailI am at a loss for what to doI'm in the process of looking at homes and can't take a hit to my credit or deal with litigationI want to resolve thisI never received all of my services and Comenity isn't being responsive at allPlease let me know what I can do to get this resolved Thank you, ***
RE: Victoria’s Secret Angel Credit Card Account Ending In *** Revdex.com Complaint ID# *** Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the
Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns We understand from your complaint that you received a Victoria’s Secret Angel credit card and were sent information about Account AssureYou state you were asked several times on the phone if you wanted to sign up for Account AssureYou state you declined, and never signed and sent back the paperwork to enroll in Account AssureHowever, you are being charged monthly for Account AssureYou are requesting to be refunded for the Account Assure fees and the interest assessed for these feesAdditionally, you would like Account Assure to be cancelled to avoid future feesI am happy to share my findings Please be advised that Account Assure is offered by a third party vendor, ***The account was enrolled in Account Assure on May 2, 2016, after you confirmed the enrollment via phoneThe form was to be signed and returned in order to receive the $gift cardAccount Assure is an optional debt cancellation programThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge In the interest of customer service, we have credited the account in the amount of $for the product fees and $for the related finance chargesPer your request, Account Assure has been cancelled Additionally, the address provided in your complaint, does not match the address on fileTo update your billing address please contact Customer Care directly at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
There was a sixty day window for returns during the holiday season, which is on the receipt that came with the merchandiseI can upload it if you need a copyThe salesperson at the store said it would be credited back to my accountFurthermore, I have NOT received a merchandise credit from you
Regards, *** ***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you changed your banking information via the Bank’s Account Center website at the beginning of the year to your new checking account information, you also state that Comenity Bank dropped a zero from the routing number on your checking account which caused your payments to return and that you were advised that Comenity Bank always drops the zero. This matter caused the payments that were submitted to be returned from your banking institution as unable to locate the account. You are requesting that all fees are credited back to the account and the original credit limit is reinstated back to $500.00. I am happy to share my findings with youI have reviewed the calls in question, which confirmed that the Bank’s associates advised you that the payment(s) were returned based on an invalid checking account number Additionally, you were advised by our associates and supervisor that we are unable to change or edit a customer’s banking information on the Account Center website As you requested the returned fees removed and there were multiple fees applied to the account; as a courtesy, the Bank has removed one fee in the amount of $on February 27, 2015. Please be advised, due to the fact that the bank account information was entered incorrectly, not the routing number, Comenity Bank is unwilling to remove any additional check fees as they are valid. As of the date of this letter, the balance on the account is $547.00, and the account is current with a payment of $due on September 17, 2015. You also requested that the credit limit is reinstated back to the original limit of $500.00; unfortunately, when an account has consecutive delinquencies due to a returned payment, the credit limit is lowered. Once the Bank receives three months of on-time payments you may request a credit limit increaseComenity Bank is required to report factual data to all national credit-reporting agencies in regards to payments our customers make each month. After reviewing our records, we have found these reports to the credit bureau to be accurate; therefore, we are unwilling to delete the negative information from your credit bureau reportWe hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Renee S*** *** *** ***
Dear *** ** ***We received your complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questionsYour complaint, addressed to the Revdex.com, wasfowarded
to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We resolved your dispute in accordance with the dispute provisions of your credit cardagreement, which are also outlined in the Billing Rights Summary contained in yourmonthly billing statementsSpecifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your letter, give us the followinginformation:Accountinformation:Yournameandaccount numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not required to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, if we determine that we made a mistake,you wilt not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.We can apply any unpaid amount against your credit limit.Your Fiiqhts I f You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit card, and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchaseTo usethis right, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means for you is, if your dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you have fully paid for your purchase,you are not eligible to receive a credit or refundSince you fully paid for the purchase at thetime you submitted your dispute, you had no remaining amount due that we can forgive.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext* ***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I did not fill out a fraud claim form due to the fact that it is someone in my household I intend to assume full responsibility but at this time I am unable to pay monthly what Comenity Bank wants me to I am just looking for a reduction in what I PAY MONTHLY until sometime in when I am able to pay more. Unfortunately, the person who resides with me has a mental problem and this is one of the results of this problem If you can help me to reduce my monthly payment, I can't tell you how appreciative I am.*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Venus credit cardWe are here to answer your questions and assist with your concerns.We understand the additional concerns as explained in your correspondence, you received a statement showing the account was still charged for the merchandise you returned.As previously communicated, we have contacted Venus on your behalf regarding the disputed charge(s)According to Venus' records, the merchandise, (order #***), was returned for an exchange (Ref.: ***)The new merchandise requested was shipped to the billing address on fileA refund for the difference of $was applied to your account on June 6, The backorder merchandise (order #***) was returned for a refund on June 6, 2017, for $No merchandise from the exchange order has been returned; therefore, no additional credit is due.Please note Comenity Bank and Venus are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountVenus is responsible for handling matters related to sales, merchandise processing, returns and shipping.If you have additional questions regarding the orders, please contact Venus Catalog Customer Service at ###-###-####.We are not taking any additional action regarding your complaint at this timeWe welcome any additional supporting information to further investigate this matterUntil then, our office has filed this compliant as completed.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Tionna M
Good afternoon,Could I please get an extension on this complaint? I am still working to address the customer's concerns.Thank you,Kassy M***Consumer Relations Specialist/Consumer RelationsAlliance DataEBroad St, Columbus, OH 43213Office: ###-###-####alliancedataretail.com |
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We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above Comenity Bank issues *** Florida credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand
from your complaint that you have concerns regarding your account balance,along with the late fees and finance charges that have been added to the balance.We have reviewed the account and we are happy to share our findings.Bank records indicate, a billing statement was sent to you on March 2015, reflecting abalance of $92, and a payment of $due by April 2015. The Bank received your payment of $on March 14, After this payment wasprocessed, your account balance was $Billing statements were issued monthly fromApril of to presentAs no further payments were received, late fees and finance chargeswere assessed to the account, pursuant to the guidelines of the Credit Card Agreement.Although there were no Bank errors found, in the interest of customer service, we are no longerholding you responsible for the balance of $Please be assured the account has beenadjusted to a zero balance.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.*** (TDDTTTY ###-###-####)would be happy to assist you
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gordmans credit cardWe are here to answer your questions and assist with your concerns.In your correspondence, you state that you made a late payment in July due
to issues with our automated systemThe next month, you received a statement of late feesYou called and spoke with an associate who advised she would credit the fees and bring the account balance to zero, however, this did not occurYou received a phone call and a text so you called the Bank and explained that the associate was supposed to remove the feesAfter speaking with five people in two days, you did not obtain the desired resolutionYou would like all the fees removed to bring the account balance to zero.We understand your concern regarding the late feesAfter further review of your account and the applicable phone calls, we are unable to confirm that a Bank representative previously agreed to credit all the fees to bring the account balance to zeroPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.We have found no Bank error, and consider the fees to be valid, therefore, we are unwilling to credit the fees.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Nicole F**
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank issues the Carson’s credit cardWe are here to help answer your questions and assist with your concerns
We understand from your correspondence, your account was
originally opened in April 1976, but your credit reports are reflecting an incorrect open date of July You have contacted Comenity Bank to have this matter corrected; however, the open date reverts back to the conversion date of July when updates are submittedFurthermore, you are requesting we update our system to correct the open date to reflect April
We appreciate you taking the time to contact the Revdex.com regarding your concernsWe apologize for any inconvenience this may have caused you, and would like to take this time to explain our findings
After our investigation, we found there was an issue with the open dates reporting incorrectlyDue to this error, on November 14, 2016, the Bank implemented a system fix to ensure the correct open date is being reported to the credit reporting agenciesPlease be assured, notification has been sent to the credit reporting agencies with instructions to change the open date to April 1976, with regard to your Carson’s credit card accountPlease allow the credit reporting agencies days to update their records
We hope you find this information helpfulIf you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C***
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns Our records indicate that the situation referenced in your complaint has been investigated and a response has been previously issued explaining our findings and resolutionComenity Bank’s position remains the same, as addressed in the responses dated February 6, 2017, as well as April 25, We have enclosed a copy of our previous responses for your records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kristina W***
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit account. Comenity Bank issues TORRID credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond
to your concernsI understand from the complaint that you received numerous telephone calls from Comenity Bank, regarding for your TORRID account being past due You state that currently you are unemployed, and have fallen ill. I understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused youCurrently the TORRID account is two billings past due. The amount of $is due by June 18, 2016. If the account exceeds six consecutive billing cycles past due; as a result, the account will be reported to the credit-reporting agencies as an unpaid debtWhen an account falls past due, collection activity occurs. If a customer has more than one account with a past due status, this could result in multiple attempts to collect throughout the dayComenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep the account current. If you are interested in obtaining information on whether you qualify for this program, please contact a Payment Solutions representative at ###-###-####Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. Comenity Bank supports and participates in the programs provided by CCCS agencies. Should 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 ###-###-####. We hope you find this information to be helpful. If you have any additional questions, please contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Diamond L***
I reviewed the response made by the business in reference to complaint ID ***3, and find the resolution is satisfactory to me
Regards, *** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I have already heard this and after the initial investigation was completed, I was told the charges were unfounded and I was assured that this would be removed off my card as well as all the late feesI called back several times and was told the same thingSo I do not trust or believe it should take days againNot to mention the nasty threat letters I have received from this company that the investigation was completed and it would not be reopened and payment is expected immediately
The charges are not mine, the initial investigation from this company backed that upWhy do an investigation on an investigation? It is ridiculousThese charges need to be removed as promised by this company
Regards,
*** ***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Catherines credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you made a payment in full, and after returning from out of town you received the payment returned back to you due to the payment being sent to the wrong payment center. At that time you contacted the Bank and explained this situation to the Bank representative. You also state during the conversation with the Bank representative you were advised that the fees assessed to the account would be removed, and your balance would become the original balance of $177.87. However, the fees were not removed and the account continually assessed fees. You advised the representative that you would make the payment within the next two days. You are requesting that the Bank honor what the representative told you previously and remove the fees assessed to the accountI listened to the call in questions and did find that the fees were not removed as promised. In the interest of customer service, credits totaling $have been applied to your account, which will bring the balance to zero. Additionally, your credit limit has been reinstated to the original credit limit of $1,Please be assured that notification has been submitted to the national credit-reporting agencies requesting all delinquencies are removed from your credit file, regarding the Catherines accountWe value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because: I already sent my dispute letterIt was delivered
June 29,
,
8:am
Delivered
COLUMBUS, OH 43218
Your item was delivered at 8:am on June 29, in COLUMBUS, OH
June 28,
,
10:am
Available for Pickup
COLUMBUS, OH 43218
Regards,
Katelyn Vaughan
Dear Ms*** Thank you for contacting Comenity Bank, regarding the above-referenced account. As the bank that issues HOT TOPIC accounts, we respond to all account-related concerns. Your complaint was forwarded to my attention, and I appreciate this opportunity to
assist you We understand from your complaint that you are requesting all late fees and charges to be removed from your account due to you paying off your bill in April 2016. We also understand that when you made your payment in store, your account number was incorrectly put into the system, which caused the payment not to be credited to your account. In addition, you are requesting that any negative credit-reporting be removed. Furthermore, you state you no longer want a HOT TOPIC account and you request a store gift card as compensation for the time you spent to resolve this matter Our records indicate that the Bank attempted to resolve this matter on multiple occasions. In May a letter was sent to you explaining that additional information was needed to resolve your concerns. No additional information was received; therefore, the Bank sent you a letter advising that we were closing the dispute. However, the letter also explained that if you wished to resubmit the payment dispute, you may forward the previously requested documents to the Bank. This scenario was repeated in June, July, and August. I have enclosed a copy of these letters for your review On September 11, 2016, the HOT TOPIC store corrected the payment error and applied a credit of $to your account On September 16, 2016, you spoke with a Bank representative who removed the fees from your account. As of the date of this letter, your account balance is zero. I have updated your payment history to remove all delinquencies that were reported for the HOT TOPIC account Please allow days for this information to be updated in their records. Please be assured the account was closed, as you requested The Bank respectfully declines your request for compensation We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Kristina W***
I'm emailing you in regards to complaint number *** I was under the impression that this issue had been closedI mailed back the information requested by Comenity Capital Bank and did not hear anything backAssuming that the issue had been resolved I didn't look into this any furtherHowever, this morning I received an extremely threatening phone call from a *** *** from *** *** saying that if I didn't pay the $600+ by 3pm today they were going to send the account to their lawyers and I would be served papers and would have to go to courtThey called me on my work phone numberI'm not sure how they got this number, but they shouldn't be calling me at workI called Jenny W*** from Comenity and left her a voicemailI am at a loss for what to doI'm in the process of looking at homes and can't take a hit to my credit or deal with litigationI want to resolve thisI never received all of my services and Comenity isn't being responsive at allPlease let me know what I can do to get this resolved Thank you, ***
RE: Victoria’s Secret Angel Credit Card Account Ending In *** Revdex.com Complaint ID# *** Dear *** *** Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the
Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns We understand from your complaint that you received a Victoria’s Secret Angel credit card and were sent information about Account AssureYou state you were asked several times on the phone if you wanted to sign up for Account AssureYou state you declined, and never signed and sent back the paperwork to enroll in Account AssureHowever, you are being charged monthly for Account AssureYou are requesting to be refunded for the Account Assure fees and the interest assessed for these feesAdditionally, you would like Account Assure to be cancelled to avoid future feesI am happy to share my findings Please be advised that Account Assure is offered by a third party vendor, ***The account was enrolled in Account Assure on May 2, 2016, after you confirmed the enrollment via phoneThe form was to be signed and returned in order to receive the $gift cardAccount Assure is an optional debt cancellation programThe monthly fee is $per $of your outstanding balanceIf there is no balance at billing, there is no charge In the interest of customer service, we have credited the account in the amount of $for the product fees and $for the related finance chargesPer your request, Account Assure has been cancelled Additionally, the address provided in your complaint, does not match the address on fileTo update your billing address please contact Customer Care directly at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
There was a sixty day window for returns during the holiday season, which is on the receipt that came with the merchandiseI can upload it if you need a copyThe salesperson at the store said it would be credited back to my accountFurthermore, I have NOT received a merchandise credit from you
Regards, *** ***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you changed your banking information via the Bank’s Account Center website at the beginning of the year to your new checking account information, you also state that Comenity Bank dropped a zero from the routing number on your checking account which caused your payments to return and that you were advised that Comenity Bank always drops the zero. This matter caused the payments that were submitted to be returned from your banking institution as unable to locate the account. You are requesting that all fees are credited back to the account and the original credit limit is reinstated back to $500.00. I am happy to share my findings with youI have reviewed the calls in question, which confirmed that the Bank’s associates advised you that the payment(s) were returned based on an invalid checking account number Additionally, you were advised by our associates and supervisor that we are unable to change or edit a customer’s banking information on the Account Center website As you requested the returned fees removed and there were multiple fees applied to the account; as a courtesy, the Bank has removed one fee in the amount of $on February 27, 2015. Please be advised, due to the fact that the bank account information was entered incorrectly, not the routing number, Comenity Bank is unwilling to remove any additional check fees as they are valid. As of the date of this letter, the balance on the account is $547.00, and the account is current with a payment of $due on September 17, 2015. You also requested that the credit limit is reinstated back to the original limit of $500.00; unfortunately, when an account has consecutive delinquencies due to a returned payment, the credit limit is lowered. Once the Bank receives three months of on-time payments you may request a credit limit increaseComenity Bank is required to report factual data to all national credit-reporting agencies in regards to payments our customers make each month. After reviewing our records, we have found these reports to the credit bureau to be accurate; therefore, we are unwilling to delete the negative information from your credit bureau reportWe hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Renee S*** *** *** ***
Dear *** ** ***We received your complaint regarding the above-referenced accountComenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questionsYour complaint, addressed to the Revdex.com, wasfowarded
to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We resolved your dispute in accordance with the dispute provisions of your credit cardagreement, which are also outlined in the Billing Rights Summary contained in yourmonthly billing statementsSpecifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank,PO Box 182620, Columbus, Ohio 43218-In your letter, give us the followinginformation:Accountinformation:Yournameandaccount numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statement.You must notify us of any potential errors in writingYou may call us, but if you do weare not required to investigate any potential errors and you may have to pay the amountin question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continue tocharge you interest on that amountBut, if we determine that we made a mistake,you wilt not have to pay the amount in question or any interest or other feesrelated to that amount.While you do not have to pay the amount in question, you are responsible for theremainder of the balance.We can apply any unpaid amount against your credit limit.Your Fiiqhts I f You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit card, and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchaseTo usethis right, all of the following must be true:The purchase must have been made in your home state or within miles of yourcurrent mailing address, and the purchase price must have been more than $50.00.(Note: Neither of these is necessary if your purchase was based on anadvertisement we mailed to you, or if we own the company that sold you the goodsor services.)You must have used your credit card for the purchasePurchases made with cashadvances from an ATM or with a check that accesses your credit card account donot qualifyYou must not yet have fully paid for the purchase.What this means for you is, if your dispute was submitted more than days after the first billingstatement on which the disputed charge appeared and you have fully paid for your purchase,you are not eligible to receive a credit or refundSince you fully paid for the purchase at thetime you submitted your dispute, you had no remaining amount due that we can forgive.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext* ***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,*** ***Consumer Relations Specialist
I did not fill out a fraud claim form due to the fact that it is someone in my household I intend to assume full responsibility but at this time I am unable to pay monthly what Comenity Bank wants me to I am just looking for a reduction in what I PAY MONTHLY until sometime in when I am able to pay more. Unfortunately, the person who resides with me has a mental problem and this is one of the results of this problem If you can help me to reduce my monthly payment, I can't tell you how appreciative I am.*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Venus credit cardWe are here to answer your questions and assist with your concerns.We understand the additional concerns as explained in your correspondence, you received a statement showing the account was still charged for the merchandise you returned.As previously communicated, we have contacted Venus on your behalf regarding the disputed charge(s)According to Venus' records, the merchandise, (order #***), was returned for an exchange (Ref.: ***)The new merchandise requested was shipped to the billing address on fileA refund for the difference of $was applied to your account on June 6, The backorder merchandise (order #***) was returned for a refund on June 6, 2017, for $No merchandise from the exchange order has been returned; therefore, no additional credit is due.Please note Comenity Bank and Venus are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountVenus is responsible for handling matters related to sales, merchandise processing, returns and shipping.If you have additional questions regarding the orders, please contact Venus Catalog Customer Service at ###-###-####.We are not taking any additional action regarding your complaint at this timeWe welcome any additional supporting information to further investigate this matterUntil then, our office has filed this compliant as completed.I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Tionna M
Good afternoon,Could I please get an extension on this complaint? I am still working to address the customer's concerns.Thank you,Kassy M***Consumer Relations Specialist/Consumer RelationsAlliance DataEBroad St, Columbus, OH 43213Office: ###-###-####alliancedataretail.com |
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We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above Comenity Bank issues *** Florida credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand
from your complaint that you have concerns regarding your account balance,along with the late fees and finance charges that have been added to the balance.We have reviewed the account and we are happy to share our findings.Bank records indicate, a billing statement was sent to you on March 2015, reflecting abalance of $92, and a payment of $due by April 2015. The Bank received your payment of $on March 14, After this payment wasprocessed, your account balance was $Billing statements were issued monthly fromApril of to presentAs no further payments were received, late fees and finance chargeswere assessed to the account, pursuant to the guidelines of the Credit Card Agreement.Although there were no Bank errors found, in the interest of customer service, we are no longerholding you responsible for the balance of $Please be assured the account has beenadjusted to a zero balance.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.*** (TDDTTTY ###-###-####)would be happy to assist you
Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gordmans credit cardWe are here to answer your questions and assist with your concerns.In your correspondence, you state that you made a late payment in July due
to issues with our automated systemThe next month, you received a statement of late feesYou called and spoke with an associate who advised she would credit the fees and bring the account balance to zero, however, this did not occurYou received a phone call and a text so you called the Bank and explained that the associate was supposed to remove the feesAfter speaking with five people in two days, you did not obtain the desired resolutionYou would like all the fees removed to bring the account balance to zero.We understand your concern regarding the late feesAfter further review of your account and the applicable phone calls, we are unable to confirm that a Bank representative previously agreed to credit all the fees to bring the account balance to zeroPlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.We have found no Bank error, and consider the fees to be valid, therefore, we are unwilling to credit the fees.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Nicole F**
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank issues the Carson’s credit cardWe are here to help answer your questions and assist with your concerns
We understand from your correspondence, your account was
originally opened in April 1976, but your credit reports are reflecting an incorrect open date of July You have contacted Comenity Bank to have this matter corrected; however, the open date reverts back to the conversion date of July when updates are submittedFurthermore, you are requesting we update our system to correct the open date to reflect April
We appreciate you taking the time to contact the Revdex.com regarding your concernsWe apologize for any inconvenience this may have caused you, and would like to take this time to explain our findings
After our investigation, we found there was an issue with the open dates reporting incorrectlyDue to this error, on November 14, 2016, the Bank implemented a system fix to ensure the correct open date is being reported to the credit reporting agenciesPlease be assured, notification has been sent to the credit reporting agencies with instructions to change the open date to April 1976, with regard to your Carson’s credit card accountPlease allow the credit reporting agencies days to update their records
We hope you find this information helpfulIf you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely,
Jack C***
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Gander Mountain Mastercard credit cardWe are here to answer your questions and assist with your concerns Our records indicate that the situation referenced in your complaint has been investigated and a response has been previously issued explaining our findings and resolutionComenity Bank’s position remains the same, as addressed in the responses dated February 6, 2017, as well as April 25, We have enclosed a copy of our previous responses for your records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Kristina W***
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the above-referenced credit account. Comenity Bank issues TORRID credit card accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond
to your concernsI understand from the complaint that you received numerous telephone calls from Comenity Bank, regarding for your TORRID account being past due You state that currently you are unemployed, and have fallen ill. I understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused youCurrently the TORRID account is two billings past due. The amount of $is due by June 18, 2016. If the account exceeds six consecutive billing cycles past due; as a result, the account will be reported to the credit-reporting agencies as an unpaid debtWhen an account falls past due, collection activity occurs. If a customer has more than one account with a past due status, this could result in multiple attempts to collect throughout the dayComenity Bank understands that customers may experience difficulty making their payments due to unforeseen circumstances. You may be eligible for enrollment in our Customer Hardship Program. This program provides customers with six to twelve months of special terms in order to bring and keep the account current. If you are interested in obtaining information on whether you qualify for this program, please contact a Payment Solutions representative at ###-###-####Additionally, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. Comenity Bank supports and participates in the programs provided by CCCS agencies. Should 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 ###-###-####. We hope you find this information to be helpful. If you have any additional questions, please contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Diamond L***