Dear Ms*** We are in receipt of your complaint regarding the above-referenced account.Comenity Bank issues NEW YORK & COMPANY 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. We understand from your complaint you purchased items from NEW YORK & COMPANY, utilizing your Comenity Bank credit cardYou advise, you returned the merchandise and provide NEW YORK & COMPANY tracking number (95***84531300133), as confirmation the merchandise had been receivedUnfortunately, you never notice the credit from your returnYou state, you opened a dispute which initiated a provisional credit, however, on October 28, 2015, the provisional credit was reversed, and the original purchased amounts, were listed back onto your credit card account. You advise the items returned were: Studded Argyle Cardigan in Cherry Blossom - $32.97Split Neck Top in Paperwhite - $22.17Chelsea Cardigan in True Burgundy - $23.97 You are seeking a full refund totaling $79.11, for credits not received from merchandise returnWe apologize for any frustration or inconvenience this matter may have caused youPlease understand that Comenity Bank and NEW YORK & COMPANY are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, returns and merchandise processing. Please note, Comenity Bank reached out to NEW YORK & COMPANY, and have completed a thorough investigation into your NEW YORK & COMPANY credit card account, and would like to share NEW YORK & COMPANYS response. Under further review, it appears NEW YORK & COMPANY refunded items *** totaling $23.97, and *** totaling $on November 17, 2015, which provided you with a credit of $on your credit card accountHowever, records indicate you still owed $for item Please note, NEW YORK & COMPANY states, they did not receive a request for a refund for item *** totaling $32.97; however, in the interest of customer service, NEW YORK & COMPANY will refund $32.97, as well as the item for $totaling $in creditsPlease note, a refund is being issued by NEW YORK & COMPANY, if you have not received your refund within two weeks, please contact them directly. Should you have any further questions regarding the account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Geanine M***
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit card accountsWe are here to answer your questions and assist with your concerns.Your complaint states that you attempted to make a payment
in February 2017; however, you received an error messageYou further state that you were charged a late fee, which you are requesting a credit for, as you have a screen shot showing there was an issue while making your payment onlineYou also state that you spoke with a representative and were treated rudely and request that the call be reviewedI understand your concerns, and apologize for any confusion or frustration this may have caused you.We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Bank records indicate that on February 2, 2017, a statement for your NY&C Rewards credit card account was issued to you showing a balance of $with a minimum payment of $due by February 28, Our records indicate that you logged online on February 25, 2017; however, no payment was scheduledThe Bank did receive a payment of $on March 1, As a result of a payment not being received by the due date, a late fee was assessed to your account.Bank records further indicate that your account has already received a courtesy late fee credit and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possiblePlease review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 of $on the above-referenced account. You also state after receiving your next statement you received a $late fee. Additionally, you state that you called the Bank inquiring about the late fee and were informed that the minimum payment was $short. You are requesting that the fee is removed from your account. I am happy to share my findings with youAfter a thorough review of the account, our records indicate that a statement was issued to you on June 2, 2016, with a minimum payment of $due on June 28, 2016. A payment of $was received on June 24, 2016. As this was not the full minimum due a late fee was assessed to the accountPlease 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 AgreementAlthough we found no Bank error, as a one-time courtesy a credit of $was issued to your account. Please be advised that there will be no additional late fees credited to the account for months. Please allow to billing statements to see this credit. We hope you find this information helpful. 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 Miss ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and
I appreciate the opportunity to respond to your concerns We understand from your complaint that you are being charged $for merchandise that was returned on June 6, 2015. You state you made two purchases for $and both orders were returned. One credit for $has been given; however, the second return for $has not been credited. You state you have disputed this amount several times and have been advised that RH records state that credit has been issued; however, you continue to be billed for the returned items in the amount of $858.00. I apologize for any inconvenience this matter may have caused you We have contacted RH directly on your behalf regarding the outstanding amount of $858.00. Please be advised that credit for $and $1,was issued to your account on June 8, 2016. With these credits the balance on your account is $2, We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H***
Dear *** ***
We received the inquiry you sent to the Revdex.com regarding
the above-noted complaint. Your
correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues multiple credit card accounts, and we are here to
help
answer your questions. I appreciate the
opportunity to assist you with your concerns
We would like to help resolve any
concerns you haveHowever, based on the information provided in your correspondence, we have been unable
to locate an account with the information provided. In order
to better assist you, please provide us with the following information:
The Phone Number(s) Comenity Bank Is CallingThe Person Comenity Bank Is Trying To Speak ToOnce this information has been received, we will be able to more
accurately address any concerns you may have.
Please send this information to my attention at the address on the top
of this letter. If you have any further questions, please
contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Jack C***
Thank you for contacting the Revdex.com, on behalf of *** ***, regarding the above-referenced matter. Comenity Bank issues multiple credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that your husband received a telephone call during the week of October 9, 2016, from a Bank representative asking for payment. You are stating that he advised the representative that he would speak with you before making the payment, and then call the Bank back. On October 18, 2016, after reviewing your checking account, you noticed that a total of $in payments were processed, which you are stating were not authorized. You then spoke with the Bank and explained the situation, and asked your personal bank to dispute these payments. You spoke with a Bank representative who stated that they would need to listen to the telephone conversation, and would call you the next day, but you are stating she did not call. You are requesting to have the accounts closed, no further contact, and a refund of $260.00.Please be advised that no payments totaling $were processed to your accounts. The Bank is unable to provide account information unless the request is made by the primary accountholder. As such, a separate response addressing the concerns listed in your complaint will be sent directly to the MrJones. If you would like to close your accounts, please contact me at the number below. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Amanda R**Consumer Relations Specialist
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Diamond Elite credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my
attention, and I appreciate the opportunity to assist you We understand your concerns regarding merchandise purchased in November that was supposed to be received by Christmas; however, you state you do not have the jewelry. Additionally, you have contacted the store and are being refused credit to bring your account balance to zero. We apologize for any inconvenience this matter may have caused you Please note that Comenity Bank and Samuels are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card account. Samuels is responsible for handling matters related to sales, merchandise processing, returns, and refunds We have contacted Samuels directly, on your behalf, regarding your purchase. We have been advised the following information: Guest wanted chain and disc to be engraved. This was in November. She wanted everything completed by Christmas. Customer was advised that it would be tough; however, we would do our best to get it done. We came through and got it done the week prior to Christmas. We called the customer and she was really happy we came through for her. Customer came in and decided that she did not want the chain because her dad already had one. Customer wanted a bracelet to match and wanted us to cut the bracelet so that the engraved disc would lay flat on the wrist and she also wanted this done by Christmas. We explained to her that it was highly unlikely that we would get this for Christmas; however, we could cut the chain and get that done for Christmas and she could have the left over gold. Customer didn’t want that done. We called special orders that Monday and asked if we could get the bracelet in for Christmas and we were told that we could not since it was the week before Christmas. We called the customer to let her know. Customer was upset and immediately wanted to return everything. We explained to her since the merchandise that was ordered was in and altered, that we could not return itThat’s when she got involved with the customer service departmentWe ended up getting the bracelet in the day before, so we called the customer to let her know that we had it drop shipped to the store and we could give her the bracelet and engraved disc; however, we could not have the alterations done to it before Christmas, she stated that she still did not want it and that was the last we heard from the customer As advised by Samuels, the merchandise cannot be returned, as it has been altered. We strongly suggest contacting Samuels directly at ###-###-####, to accept the merchandise Your current account balance is $1, We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com
The response was just a holding responseThey state they are investigating the matter but it may take days for them to complete the investigationTherefore I must reserve judgement until I receive their response in days time
Regards,
*** ***
Dear Ms***Thank you for contacting Comenity BankAs the bank that issues VICTORIA’S SECRET creditcard accounts, we are here to answer account-related questionsYour complaint, submitted tothe Revdex.com, was forwarded to my attention for reviewI appreciate theopportunity to
assist you.We understand from your complaint that you opened a VICTORIA’S SECRET account and wereto receive the credit card, coupon book, and a $off couponAfter two weeks of waitingand not receiving the materials, you contacted the BankYou were told to wait another weekand call backAgain, after not receiving the materials you contacted us and were advised thatthe card would be cancelled and reissued, as well as the coupon book and the $offer.Additionally, you were advised that you would receive a $coupon as an apologyYoureceived the credit card; however, you did not receive any of the other offers notedAfter amonth of running in circles, you feel that your complaints are not being read and you are owedwhat was promised to youYou would like the Bank to mail the coupon book and both, the$and $offers, as well as any other materials you have not receivedYou are alsoasking for a formal apology for having to waste so much time on this matter with no resolution.Please be assured that we reviewed your VICTORIA’S SECRET account and we are happy toexplain our findings.Our records indicate that you opened the account on February 22, 2016, using the address ofConner Terrace, Port Charlotte, Florida The Welcome Kit was sent to thisaddress, which resulted in the return of the Welcome Kit by the post office on March 17, 2016.On February 25, 2016, you updated the address to the one listed on the complaint via theBank’s online Account Center.We reviewed the Account Center messages and telephone calls regarding this matterOurfindings conclude that you were provided with incorrect details of the account, and you wereprovided with incorrect information when you were referred to the catalogue division to inquireabout missing itemsPlease be assured that Comenity Bank strives to provide world-classservice, and we sincerely apologize for the experience that resulted from this matterWe havetaken steps to coach our associatesIt is never our intention to cause a customer a hardship.On March 15, 2016, the account was transferred to a new number as lost/stolen and a card wasreissuedAdditionally, the Little Book of Offers and a $coupon were requested to be sentto youWe understand that you received the new credit card; however, you did not receive thecoupon replacementsWe found that the replacements did not mail most likely due to thetransfer of the account and the return of the original Welcome Kit. As a token of our apology, I have issued credits to your accountPlease review your statementfor a $and $credit, to refund you for the apology coupon and the new accountcoupon you were to receiveAdditionally, I issued a separate credit for $as a courtesy foryour inconvenienceFurthermore, on April I requested the Little Book of Offers and theCredit Card Agreement be resent to youThese should be received separately, at the correctaddress in 7-business dayYou are a valued customer and I hope this information has beenhelpfulIf you have any further questions or concerns, please do not hesitate to contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** We have received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You never received any documentation, statement, credit card information, or communication regarding an account opened in your name that is now nearly days past-due. You state that you spoke to a representative who admitted that the account had a different address than what was listed on your other credit card with the Bank You requested to know what the open credit is for and the late payment information to be reversed off your credit report Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below On February 23, 2016, a credit application was processed using your information in a LOFT store at Premium Outlets, located in Aurora, Illinois. During this process, the store associate would have asked if you wanted to open a LOVE LOFT credit card account. With your permission, the store associate would have used your major credit card as an initial reference and started an application for you. The LOFT credit card application was approved and an account was opened, in the name of Alicia CFigueroa. At that time, the store associate should have issued you a Credit Card Agreement and Privacy Statement On the same day, a purchase for $was charged to the account. As no payment was received by the due dates of April 11, 2016, May 11, 2016, June 11, 2016, and July 11, 2016, the account was charged late fees and finance charges, as explained in the Credit Card Agreement, resulting in an outstanding balance The account became four billing cycles past due Our records further indicate that the Welcome Kit, consisting of the credit card and Credit Card Agreement, as well as the first billing statement, were mailed to an address on North Oriole Avenue in Chicago, Illinois. However, Bank records show that the mail was returned to us as undeliverable by the post office. As a result, statements were not mailed until your address could be verified. On July 10, 1016, you spoke with one of the Bank’s associates and your address was updated to the address listed above. Because of the returned mail, the associate credited your account for late fees and finance charges. The associate also submitted a request to the three national credit-reporting agencies with instructions to delete the negative payment information from your credit bureau report. Please allow the credit-reporting agencies up to days to update their records. On July 27, 2016, a payment of $was applied to the account; resulting in a zero balance. In addition, a Statement of Fraud and Forgery (SOFF), was sent to you on July 27, 2016, in response to your dispute filed with the credit-reporting agencies which stated the account was not yours If the account is valid, please call me at the telephone number below so I can update the account information. Otherwise, if you believe the account or purchase is fraudulent, please complete and return the SOFF, to our Account Protection (Fraud) team. Please be aware that a fraud investigation will be initiated if you do not call to confirm the account is valid. If you are returning the completed SOFF, please mail to: We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M***
Dear *** ***:We received your complaint regarding the above-noted accountsCornenity Bank issues Victoria'sSecretPINK and maurices credit card accounts, and we are here to help answer account-reledquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to
assist you.We understand from your complaint that you have two credit card accounts with Comenity Bank that werereported delinquent to the credit bureausYou state that the accounts were not reported delinquent untilafter you paid the accounts in full, which is untrue and unfairYou are frying to get a home loan, yourfinanciainstitution will not approve your loan based on these negative entries, and you are requesting theBank to remove them from your credit history.Bank records indicate that after missing the September 4, October 2014, February 2Q15, and Marchpayment due dates on your maurices account, the account was reported 30-days delinquent to thecredit bureaus in October and March As the account had more than two delinquent paymentsin the last 12-months, we are unwilling to remove the delinquencies from your credit fileEnclosed arecopies of the maurices statements for your records.After reviewing the Victoria's SecretPlNK accountwe found one 30-day delinquency repoited due to amissed paymentAs a courtesy, please be assured that we have sent notification to the national creditreporting agencies with instructions to delete the 30-day delinquencyPlease allow them days toupdate their recordsEnclosed are copies of the Victoria's Secret statements for your records.Please understand that payments not received, received after the payment due date(s), or received forless than the full minimum payment will cause the account to be assessed a late fee and present a pastdue statusIf the account continues to reflect a past due status for two consecutive billing periods, theaccount is reported as delinquent to the credit bureaus.We apologize for any confusion or inconvenience you have been caused, and we hope this information ishelpfulShould you have further questions or concerns, please do not hesitate to contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding your MANDEE credit card accountComenity Bank issues MANDEE credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the reporting of your MANDEE account to the credit-reporting agenciesYou state that you contacted Customer Care on April 1, 2016, and were advised to send a letter requesting to have the account removed from your credit reportYou further state that the account was removed from your Transunion report in May of 2015, but not from Experian and EquifaxYou are requesting that the account be removed from all credit-reporting agenciesWe apologize for any frustration or confusion this matter may have caused you. After a review of the account and the credit-reporting, we find that the MANDEE account should currently be reporting to all credit-reporting agenciesPlease be advised that the Bank reports the same information to each of the national credit-reporting agencies, and we did not advise Transunion to remove the accountAs a result of our investigation, notification has been sent to Transunion with instructions to add the account to your credit reportPlease allow the credit-reporting agency days to update their records. Please be advised that when reporting to the credit-reporting agencies, the Bank provides the entire account number. However, the credit-reporting agencies have the option and ability to not display the entire numberThe eight digits you provided were part of the account number, not the entire account number. As advised in our previous correspondence, we find the account to be valid; as such, it will be reported to each of the national credit-reporting agenciesFurthermore, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activityThe date of last activity on the above-referenced account is May 22, 2009. We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
Dear Mr*** We received your complaint from the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to help answer your account-related questionsYour complaint, was forwarded to my attention,
and I appreciate the opportunity to assist you. Your complaint states that the bill was paid in full with the Bank after paying for three months, in the amount of $735.00, and we will not delete the debt from your credit reportYou have also indicated that you were out of the country at the time the mail order purchase was made and sent to a wrong address. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureausPlease find a summary of your VICTORIA’S SECRET account below. Your VICTORIA’S SECRET account was opened February 3, 2015; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and feesThe last purchase of $was made on August 9, 2015, and your last payment of $was received on May 31, Your account was written off on March 11, 2016, with an unpaid balance of $735.61. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, the Bank finds that all credit bureaus are reporting the account as “paid in full, was a charge off”, with the exception of EquifaxEquifax was not reporting the account as paidPlease be assured that we have sent notification to Equifax with instructions to update this informationPlease allow calendar days for this adjustment to be made. As for deleting the account, in its entirety, from your credit report, please be advised that delinquent accounts typically will report for seven years from the date the account first became delinquentAs such, we are unwilling to delete the account from your credit report. The Bank also updated the account address to include the suite number that you included in this complaint. In addition, please note that Comenity Bank and Victoria’s Secret are separate entitiesThe Bank is responsible for addressing questions related to your credit card accountVictoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns and shipping. We hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y***
Dear Michael Moore: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the RediCard+ Visa Signature credit cardWe are here to answer your questions and assist with your concernsWe understand your concerns regarding identity theft,
and that you are receiving calls regarding this debtWe apologize for any frustration or inconvenience this situation may have caused youA RediCard+ Visa Signature account was opened in your name on October 10, Our Account Protection (Fraud) Team attempted to contact you with regard to the account and activity on November 10, 2016, at the telephone number listed in your complaint; however, their attempt was unsuccessfulPlease contact our Account Protection (Fraud) Team at ###-###-#### as soon as possible for assistance in filing a fraud claim and having this account permanently closed Please be assured that a “do not call” status has been placed on the telephone number ending in ***. I hope you found this information to be helpfulShould you have any additional questions or concerns, please contact our Account Protection Team at ###-###-####. Sincerely, Renee S***
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountsAs the bank that issues Victoria’s Secret/PINK credit cards, 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 you applied for one Victoria’s Secret/PINK account and within the process two accounts were opened in your name; you were not aware of the additional accountYou use your account for purchases, paying monthly and on timeHowever, the additional account has had charges that you were not made aware of, which now has Bank fees assessed and is hurting your credit reportYou state that had you known of the charges, you would have paid for them and no one has been able to tell you what happenedYou feel you are forced to pay $or have further collection actions taken against youYou would like the charges and delinquencies removed from your credit file. Bank records indicate that you opened the Victoria’s Secret/PINK account ending in *** on March 10, The last purchase of $was charged on May 20, 2009, and the last payment of $was received on August 28, 2009. The monthly billing statements were sent to the address of ** *** *** *** California, ***, and we have no record that the statements were returned as undeliverableAs no further payments have been received, the account balance of $wrote-off on November 23, 2009, and the account was sold to an outside collection agency on December 16, The account had no further utility and was not open for purchasesEnclosed are copies of the billing statements and the Bank’s Credit Card Agreement (CCA). The Bank has not found any billing errors with the account ending in ***As such, you are responsible for the account and unpaid balanceAs the account was sold to the outside collection agency, you must contact Portfolio Recovery Associates, toll free, at ###-###-#### for any further questions about the account. Furthermore, Bank records indicate that you applied and were approved for the Victoria’s Secret/PINK credit card account ending in *** on June 18, 2015, which was almost five and a half years after the first account was closed. This account is current and in good standingThe last purchase of $was charged on January 29, 2016, and the last payment of $was received on January 16, Additionally, you chose to receive the statements for this account via our online Account CenterStatement ready email notifications are being sent to, ***
We apologize for any confusion or inconvenience this situation has caused you, and we hope this information is helpful. If you any further questions or concerns about the account ending in ***, please contact Portfolio Recovery Associates at the number providedIf you have any further questions about the account ending in 3358, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Thank you for contacting the RevDex.com (Revdex.com), regarding the above-noted Herberger’s account. As the Bank that issues Herberger’s credit
card accounts, we are here to help answer account-related questions. Your complaint to the Revdex.com, was forwarded to
my attention and I appreciate this opportunity to assist you
We understand from your complaint to the Revdex.com
you had paid cash for the items bought at the Platte River Mall Herberger’s store. Furthermore, because of this issue you are
requesting the charges on your Herberger’s account and the negative impact on
your credit report to be removedAt this
time, we would like to explain our findings below
Our records indicate your Herberger’s account
was opened on August 12, Use of
the account or failure to close the account within 30-days of receiving the
Credit Card Agreement (CCA) indicated your acceptance of the terms of the
agreement, including the assessment of any finance charges and fees. Further records indicate two purchases were
debited to your account for $and $on August 12,
On August 26, 2013, Comenity Bank issued your
billing statement to the address on file of *** *** *** *** Somerset, CO
81434-9625. Your billing statement
reflected a balance of $and a minimum payment of $with a payment
due date of September 21, 2013. At which
time, we did not receive payment causing a late fee and finance charge to
assess. Further Bank records indicate that
no payments were received during the next six consecutive billing periods; therefore,
your Herberger’s account received additional late fees and finance
charges. As of March 26, 2014, Comenity
Bank reported your account as a written off, unpaid debt with a balance of
$
On your behalf, we contacted Herberger’s
corporate office to find out if they had any records of your cash payment. During their investigation, they were unable
to locate any such payment; however, should you have proof of this please send
it to my attention at the address above
On June 17, July 8, and August 19, 2015,
Comenity Bank received three payments of $totaling $241.20; that were
excepted as settlement to your account.
On September 18, 2015, we notified the national credit-reporting
agencies that your account was paid in full for less than the balance
Comenity Bank is required by law to report
factual data to the national credit-reporting agencies with regard to account
activity. At this time Comenity Bank
finds no errors in its reporting of your Herberger’s account to the credit
bureaus; therefore, we are unwilling to have the delinquency removed. Delinquent accounts typically report for
seven years from the date the account first became delinquent
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this has caused
you. If you have any further questions regarding this letter,
please contact me at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788). I will be happy to assist you
Sincerely,
Jack C***
Consumer Relations Specialist
CC:
Revdex.com
Maybe my complaint is with Simply Be - which can never be reached unless making purchase? Straight to ComenityI'm thinking not Comenity bank, but Simply be Co- when corresponding one and the same??article a prpanty - fully pdlong ago.I've called them several times to resolve the fact I owe nothing to "Simply Be: which Comenity Bank handles billingAlso called Simply Be or 8X - these turn me over to Bank, The thing is Comenity also handles *** *** an other CoWhich I received several raises in creditSimply Be is Not reachableThank you, *** ***
Parts don't make any senseI have not lived at the *** address for the past four years and I know the items were not shipped to the "above address" because we have only lived here for a year and three monthsSo that makes no senseIf the CCA was sent the an address I don't live at of course I didn't close the accountThe address I lived at during this time was Fischer Rd lot Creve Coeur IL Which isn't mentioned at all in the letterSo no I didn't pay the bill because I didn't receive the invoices, I didn't receive the items and I did not open the accountI did attempt to settle the account and take care of the balance but the charge was run through my checking account a month earlier than quoted so yes I did return itIf I had received the invoices I would have closed the account but I never did so that's a mute pointSo in conclusion, an account was opened that I didn't open, items were sent to an address I did not live at and also the bills were sent to another address I did not live atRegardless of all of this I am still willing to settle the account to expedite it's removal from my credit, because I am responsible and take care of my obligations I still don't understand how a company can issue a card with a balance of $ that has a balance of $dollars can let someone charge an additional dollars when there is only dollars available.
Regards,
*** ***
Consumer contacted Revdex.com via phone call and stated the matter has been resolved to his satisfaction
Dear Ms*** We are in receipt of your complaint regarding the above-referenced account.Comenity Bank issues NEW YORK & COMPANY 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. We understand from your complaint you purchased items from NEW YORK & COMPANY, utilizing your Comenity Bank credit cardYou advise, you returned the merchandise and provide NEW YORK & COMPANY tracking number (95***84531300133), as confirmation the merchandise had been receivedUnfortunately, you never notice the credit from your returnYou state, you opened a dispute which initiated a provisional credit, however, on October 28, 2015, the provisional credit was reversed, and the original purchased amounts, were listed back onto your credit card account. You advise the items returned were: Studded Argyle Cardigan in Cherry Blossom - $32.97Split Neck Top in Paperwhite - $22.17Chelsea Cardigan in True Burgundy - $23.97 You are seeking a full refund totaling $79.11, for credits not received from merchandise returnWe apologize for any frustration or inconvenience this matter may have caused youPlease understand that Comenity Bank and NEW YORK & COMPANY are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while NEW YORK & COMPANY is responsible for handling matters related to sales, returns and merchandise processing. Please note, Comenity Bank reached out to NEW YORK & COMPANY, and have completed a thorough investigation into your NEW YORK & COMPANY credit card account, and would like to share NEW YORK & COMPANYS response. Under further review, it appears NEW YORK & COMPANY refunded items *** totaling $23.97, and *** totaling $on November 17, 2015, which provided you with a credit of $on your credit card accountHowever, records indicate you still owed $for item Please note, NEW YORK & COMPANY states, they did not receive a request for a refund for item *** totaling $32.97; however, in the interest of customer service, NEW YORK & COMPANY will refund $32.97, as well as the item for $totaling $in creditsPlease note, a refund is being issued by NEW YORK & COMPANY, if you have not received your refund within two weeks, please contact them directly. Should you have any further questions regarding the account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Geanine M***
Dear *** ** ***Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the NY&C Rewards credit card accountsWe are here to answer your questions and assist with your concerns.Your complaint states that you attempted to make a payment
in February 2017; however, you received an error messageYou further state that you were charged a late fee, which you are requesting a credit for, as you have a screen shot showing there was an issue while making your payment onlineYou also state that you spoke with a representative and were treated rudely and request that the call be reviewedI understand your concerns, and apologize for any confusion or frustration this may have caused you.We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Bank records indicate that on February 2, 2017, a statement for your NY&C Rewards credit card account was issued to you showing a balance of $with a minimum payment of $due by February 28, Our records indicate that you logged online on February 25, 2017; however, no payment was scheduledThe Bank did receive a payment of $on March 1, As a result of a payment not being received by the due date, a late fee was assessed to your account.Bank records further indicate that your account has already received a courtesy late fee credit and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe futureOnline payments submitted after 8:p.mET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing up to days for the payment to arriveIf you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possiblePlease review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:p.mET to speak to a customer care representativeAfee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***
Dear Ms*** We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues LANE BRYANT 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 of $on the above-referenced account. You also state after receiving your next statement you received a $late fee. Additionally, you state that you called the Bank inquiring about the late fee and were informed that the minimum payment was $short. You are requesting that the fee is removed from your account. I am happy to share my findings with youAfter a thorough review of the account, our records indicate that a statement was issued to you on June 2, 2016, with a minimum payment of $due on June 28, 2016. A payment of $was received on June 24, 2016. As this was not the full minimum due a late fee was assessed to the accountPlease 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 AgreementAlthough we found no Bank error, as a one-time courtesy a credit of $was issued to your account. Please be advised that there will be no additional late fees credited to the account for months. Please allow to billing statements to see this credit. We hope you find this information helpful. 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 Miss ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues RH credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and
I appreciate the opportunity to respond to your concerns We understand from your complaint that you are being charged $for merchandise that was returned on June 6, 2015. You state you made two purchases for $and both orders were returned. One credit for $has been given; however, the second return for $has not been credited. You state you have disputed this amount several times and have been advised that RH records state that credit has been issued; however, you continue to be billed for the returned items in the amount of $858.00. I apologize for any inconvenience this matter may have caused you We have contacted RH directly on your behalf regarding the outstanding amount of $858.00. Please be advised that credit for $and $1,was issued to your account on June 8, 2016. With these credits the balance on your account is $2, We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H***
Dear *** ***
We received the inquiry you sent to the Revdex.com regarding
the above-noted complaint. Your
correspondence was forwarded to
Comenity Bank (Bank).
Comenity Bank issues multiple credit card accounts, and we are here to
help
answer your questions. I appreciate the
opportunity to assist you with your concerns
We would like to help resolve any
concerns you haveHowever, based on the information provided in your correspondence, we have been unable
to locate an account with the information provided. In order
to better assist you, please provide us with the following information:
The Phone Number(s) Comenity Bank Is CallingThe Person Comenity Bank Is Trying To Speak ToOnce this information has been received, we will be able to more
accurately address any concerns you may have.
Please send this information to my attention at the address on the top
of this letter. If you have any further questions, please
contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Jack C***
Thank you for contacting the Revdex.com, on behalf of *** ***, regarding the above-referenced matter. Comenity Bank issues multiple credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you.We understand from your complaint that your husband received a telephone call during the week of October 9, 2016, from a Bank representative asking for payment. You are stating that he advised the representative that he would speak with you before making the payment, and then call the Bank back. On October 18, 2016, after reviewing your checking account, you noticed that a total of $in payments were processed, which you are stating were not authorized. You then spoke with the Bank and explained the situation, and asked your personal bank to dispute these payments. You spoke with a Bank representative who stated that they would need to listen to the telephone conversation, and would call you the next day, but you are stating she did not call. You are requesting to have the accounts closed, no further contact, and a refund of $260.00.Please be advised that no payments totaling $were processed to your accounts. The Bank is unable to provide account information unless the request is made by the primary accountholder. As such, a separate response addressing the concerns listed in your complaint will be sent directly to the MrJones. If you would like to close your accounts, please contact me at the number below. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Amanda R**Consumer Relations Specialist
Dear Ms***: We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Diamond Elite credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my
attention, and I appreciate the opportunity to assist you We understand your concerns regarding merchandise purchased in November that was supposed to be received by Christmas; however, you state you do not have the jewelry. Additionally, you have contacted the store and are being refused credit to bring your account balance to zero. We apologize for any inconvenience this matter may have caused you Please note that Comenity Bank and Samuels are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card account. Samuels is responsible for handling matters related to sales, merchandise processing, returns, and refunds We have contacted Samuels directly, on your behalf, regarding your purchase. We have been advised the following information: Guest wanted chain and disc to be engraved. This was in November. She wanted everything completed by Christmas. Customer was advised that it would be tough; however, we would do our best to get it done. We came through and got it done the week prior to Christmas. We called the customer and she was really happy we came through for her. Customer came in and decided that she did not want the chain because her dad already had one. Customer wanted a bracelet to match and wanted us to cut the bracelet so that the engraved disc would lay flat on the wrist and she also wanted this done by Christmas. We explained to her that it was highly unlikely that we would get this for Christmas; however, we could cut the chain and get that done for Christmas and she could have the left over gold. Customer didn’t want that done. We called special orders that Monday and asked if we could get the bracelet in for Christmas and we were told that we could not since it was the week before Christmas. We called the customer to let her know. Customer was upset and immediately wanted to return everything. We explained to her since the merchandise that was ordered was in and altered, that we could not return itThat’s when she got involved with the customer service departmentWe ended up getting the bracelet in the day before, so we called the customer to let her know that we had it drop shipped to the store and we could give her the bracelet and engraved disc; however, we could not have the alterations done to it before Christmas, she stated that she still did not want it and that was the last we heard from the customer As advised by Samuels, the merchandise cannot be returned, as it has been altered. We strongly suggest contacting Samuels directly at ###-###-####, to accept the merchandise Your current account balance is $1, We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com
The response was just a holding responseThey state they are investigating the matter but it may take days for them to complete the investigationTherefore I must reserve judgement until I receive their response in days time
Regards,
*** ***
Dear Ms***Thank you for contacting Comenity BankAs the bank that issues VICTORIA’S SECRET creditcard accounts, we are here to answer account-related questionsYour complaint, submitted tothe Revdex.com, was forwarded to my attention for reviewI appreciate theopportunity to
assist you.We understand from your complaint that you opened a VICTORIA’S SECRET account and wereto receive the credit card, coupon book, and a $off couponAfter two weeks of waitingand not receiving the materials, you contacted the BankYou were told to wait another weekand call backAgain, after not receiving the materials you contacted us and were advised thatthe card would be cancelled and reissued, as well as the coupon book and the $offer.Additionally, you were advised that you would receive a $coupon as an apologyYoureceived the credit card; however, you did not receive any of the other offers notedAfter amonth of running in circles, you feel that your complaints are not being read and you are owedwhat was promised to youYou would like the Bank to mail the coupon book and both, the$and $offers, as well as any other materials you have not receivedYou are alsoasking for a formal apology for having to waste so much time on this matter with no resolution.Please be assured that we reviewed your VICTORIA’S SECRET account and we are happy toexplain our findings.Our records indicate that you opened the account on February 22, 2016, using the address ofConner Terrace, Port Charlotte, Florida The Welcome Kit was sent to thisaddress, which resulted in the return of the Welcome Kit by the post office on March 17, 2016.On February 25, 2016, you updated the address to the one listed on the complaint via theBank’s online Account Center.We reviewed the Account Center messages and telephone calls regarding this matterOurfindings conclude that you were provided with incorrect details of the account, and you wereprovided with incorrect information when you were referred to the catalogue division to inquireabout missing itemsPlease be assured that Comenity Bank strives to provide world-classservice, and we sincerely apologize for the experience that resulted from this matterWe havetaken steps to coach our associatesIt is never our intention to cause a customer a hardship.On March 15, 2016, the account was transferred to a new number as lost/stolen and a card wasreissuedAdditionally, the Little Book of Offers and a $coupon were requested to be sentto youWe understand that you received the new credit card; however, you did not receive thecoupon replacementsWe found that the replacements did not mail most likely due to thetransfer of the account and the return of the original Welcome Kit. As a token of our apology, I have issued credits to your accountPlease review your statementfor a $and $credit, to refund you for the apology coupon and the new accountcoupon you were to receiveAdditionally, I issued a separate credit for $as a courtesy foryour inconvenienceFurthermore, on April I requested the Little Book of Offers and theCredit Card Agreement be resent to youThese should be received separately, at the correctaddress in 7-business dayYou are a valued customer and I hope this information has beenhelpfulIf you have any further questions or concerns, please do not hesitate to contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear *** *** We have received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues LOVE LOFT accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my
attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You never received any documentation, statement, credit card information, or communication regarding an account opened in your name that is now nearly days past-due. You state that you spoke to a representative who admitted that the account had a different address than what was listed on your other credit card with the Bank You requested to know what the open credit is for and the late payment information to be reversed off your credit report Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below On February 23, 2016, a credit application was processed using your information in a LOFT store at Premium Outlets, located in Aurora, Illinois. During this process, the store associate would have asked if you wanted to open a LOVE LOFT credit card account. With your permission, the store associate would have used your major credit card as an initial reference and started an application for you. The LOFT credit card application was approved and an account was opened, in the name of Alicia CFigueroa. At that time, the store associate should have issued you a Credit Card Agreement and Privacy Statement On the same day, a purchase for $was charged to the account. As no payment was received by the due dates of April 11, 2016, May 11, 2016, June 11, 2016, and July 11, 2016, the account was charged late fees and finance charges, as explained in the Credit Card Agreement, resulting in an outstanding balance The account became four billing cycles past due Our records further indicate that the Welcome Kit, consisting of the credit card and Credit Card Agreement, as well as the first billing statement, were mailed to an address on North Oriole Avenue in Chicago, Illinois. However, Bank records show that the mail was returned to us as undeliverable by the post office. As a result, statements were not mailed until your address could be verified. On July 10, 1016, you spoke with one of the Bank’s associates and your address was updated to the address listed above. Because of the returned mail, the associate credited your account for late fees and finance charges. The associate also submitted a request to the three national credit-reporting agencies with instructions to delete the negative payment information from your credit bureau report. Please allow the credit-reporting agencies up to days to update their records. On July 27, 2016, a payment of $was applied to the account; resulting in a zero balance. In addition, a Statement of Fraud and Forgery (SOFF), was sent to you on July 27, 2016, in response to your dispute filed with the credit-reporting agencies which stated the account was not yours If the account is valid, please call me at the telephone number below so I can update the account information. Otherwise, if you believe the account or purchase is fraudulent, please complete and return the SOFF, to our Account Protection (Fraud) team. Please be aware that a fraud investigation will be initiated if you do not call to confirm the account is valid. If you are returning the completed SOFF, please mail to: We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matterWe hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M***
Dear *** ***:We received your complaint regarding the above-noted accountsCornenity Bank issues Victoria'sSecretPINK and maurices credit card accounts, and we are here to help answer account-reledquestionsYour complaint was forwarded to my attention, and I appreciate the opportunity to
assist you.We understand from your complaint that you have two credit card accounts with Comenity Bank that werereported delinquent to the credit bureausYou state that the accounts were not reported delinquent untilafter you paid the accounts in full, which is untrue and unfairYou are frying to get a home loan, yourfinanciainstitution will not approve your loan based on these negative entries, and you are requesting theBank to remove them from your credit history.Bank records indicate that after missing the September 4, October 2014, February 2Q15, and Marchpayment due dates on your maurices account, the account was reported 30-days delinquent to thecredit bureaus in October and March As the account had more than two delinquent paymentsin the last 12-months, we are unwilling to remove the delinquencies from your credit fileEnclosed arecopies of the maurices statements for your records.After reviewing the Victoria's SecretPlNK accountwe found one 30-day delinquency repoited due to amissed paymentAs a courtesy, please be assured that we have sent notification to the national creditreporting agencies with instructions to delete the 30-day delinquencyPlease allow them days toupdate their recordsEnclosed are copies of the Victoria's Secret statements for your records.Please understand that payments not received, received after the payment due date(s), or received forless than the full minimum payment will cause the account to be assessed a late fee and present a pastdue statusIf the account continues to reflect a past due status for two consecutive billing periods, theaccount is reported as delinquent to the credit bureaus.We apologize for any confusion or inconvenience you have been caused, and we hope this information ishelpfulShould you have further questions or concerns, please do not hesitate to contact me at###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y*** *** ***
Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding your MANDEE credit card accountComenity Bank issues MANDEE credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you. We understand your concerns regarding the reporting of your MANDEE account to the credit-reporting agenciesYou state that you contacted Customer Care on April 1, 2016, and were advised to send a letter requesting to have the account removed from your credit reportYou further state that the account was removed from your Transunion report in May of 2015, but not from Experian and EquifaxYou are requesting that the account be removed from all credit-reporting agenciesWe apologize for any frustration or confusion this matter may have caused you. After a review of the account and the credit-reporting, we find that the MANDEE account should currently be reporting to all credit-reporting agenciesPlease be advised that the Bank reports the same information to each of the national credit-reporting agencies, and we did not advise Transunion to remove the accountAs a result of our investigation, notification has been sent to Transunion with instructions to add the account to your credit reportPlease allow the credit-reporting agency days to update their records. Please be advised that when reporting to the credit-reporting agencies, the Bank provides the entire account number. However, the credit-reporting agencies have the option and ability to not display the entire numberThe eight digits you provided were part of the account number, not the entire account number. As advised in our previous correspondence, we find the account to be valid; as such, it will be reported to each of the national credit-reporting agenciesFurthermore, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activityThe date of last activity on the above-referenced account is May 22, 2009. We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Diamond L***
Dear Mr*** We received your complaint from the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to help answer your account-related questionsYour complaint, was forwarded to my attention,
and I appreciate the opportunity to assist you. Your complaint states that the bill was paid in full with the Bank after paying for three months, in the amount of $735.00, and we will not delete the debt from your credit reportYou have also indicated that you were out of the country at the time the mail order purchase was made and sent to a wrong address. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureausPlease find a summary of your VICTORIA’S SECRET account below. Your VICTORIA’S SECRET account was opened February 3, 2015; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and feesThe last purchase of $was made on August 9, 2015, and your last payment of $was received on May 31, Your account was written off on March 11, 2016, with an unpaid balance of $735.61. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activityAt this time, the Bank finds that all credit bureaus are reporting the account as “paid in full, was a charge off”, with the exception of EquifaxEquifax was not reporting the account as paidPlease be assured that we have sent notification to Equifax with instructions to update this informationPlease allow calendar days for this adjustment to be made. As for deleting the account, in its entirety, from your credit report, please be advised that delinquent accounts typically will report for seven years from the date the account first became delinquentAs such, we are unwilling to delete the account from your credit report. The Bank also updated the account address to include the suite number that you included in this complaint. In addition, please note that Comenity Bank and Victoria’s Secret are separate entitiesThe Bank is responsible for addressing questions related to your credit card accountVictoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns and shipping. We hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y***
Dear Michael Moore: Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the RediCard+ Visa Signature credit cardWe are here to answer your questions and assist with your concernsWe understand your concerns regarding identity theft,
and that you are receiving calls regarding this debtWe apologize for any frustration or inconvenience this situation may have caused youA RediCard+ Visa Signature account was opened in your name on October 10, Our Account Protection (Fraud) Team attempted to contact you with regard to the account and activity on November 10, 2016, at the telephone number listed in your complaint; however, their attempt was unsuccessfulPlease contact our Account Protection (Fraud) Team at ###-###-#### as soon as possible for assistance in filing a fraud claim and having this account permanently closed Please be assured that a “do not call” status has been placed on the telephone number ending in ***. I hope you found this information to be helpfulShould you have any additional questions or concerns, please contact our Account Protection Team at ###-###-####. Sincerely, Renee S***
....Please see attached response
Dear *** ***: We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountsAs the bank that issues Victoria’s Secret/PINK credit cards, 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 you applied for one Victoria’s Secret/PINK account and within the process two accounts were opened in your name; you were not aware of the additional accountYou use your account for purchases, paying monthly and on timeHowever, the additional account has had charges that you were not made aware of, which now has Bank fees assessed and is hurting your credit reportYou state that had you known of the charges, you would have paid for them and no one has been able to tell you what happenedYou feel you are forced to pay $or have further collection actions taken against youYou would like the charges and delinquencies removed from your credit file. Bank records indicate that you opened the Victoria’s Secret/PINK account ending in *** on March 10, The last purchase of $was charged on May 20, 2009, and the last payment of $was received on August 28, 2009. The monthly billing statements were sent to the address of ** *** *** *** California, ***, and we have no record that the statements were returned as undeliverableAs no further payments have been received, the account balance of $wrote-off on November 23, 2009, and the account was sold to an outside collection agency on December 16, The account had no further utility and was not open for purchasesEnclosed are copies of the billing statements and the Bank’s Credit Card Agreement (CCA). The Bank has not found any billing errors with the account ending in ***As such, you are responsible for the account and unpaid balanceAs the account was sold to the outside collection agency, you must contact Portfolio Recovery Associates, toll free, at ###-###-#### for any further questions about the account. Furthermore, Bank records indicate that you applied and were approved for the Victoria’s Secret/PINK credit card account ending in *** on June 18, 2015, which was almost five and a half years after the first account was closed. This account is current and in good standingThe last purchase of $was charged on January 29, 2016, and the last payment of $was received on January 16, Additionally, you chose to receive the statements for this account via our online Account CenterStatement ready email notifications are being sent to, ***
We apologize for any confusion or inconvenience this situation has caused you, and we hope this information is helpful. If you any further questions or concerns about the account ending in ***, please contact Portfolio Recovery Associates at the number providedIf you have any further questions about the account ending in 3358, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Shawnda Y*** Consumer Relations Specialist
Thank you for contacting the RevDex.com (Revdex.com), regarding the above-noted Herberger’s account. As the Bank that issues Herberger’s credit
card accounts, we are here to help answer account-related questions. Your complaint to the Revdex.com, was forwarded to
my attention and I appreciate this opportunity to assist you
We understand from your complaint to the Revdex.com
you had paid cash for the items bought at the Platte River Mall Herberger’s store. Furthermore, because of this issue you are
requesting the charges on your Herberger’s account and the negative impact on
your credit report to be removedAt this
time, we would like to explain our findings below
Our records indicate your Herberger’s account
was opened on August 12, Use of
the account or failure to close the account within 30-days of receiving the
Credit Card Agreement (CCA) indicated your acceptance of the terms of the
agreement, including the assessment of any finance charges and fees. Further records indicate two purchases were
debited to your account for $and $on August 12,
On August 26, 2013, Comenity Bank issued your
billing statement to the address on file of *** *** *** *** Somerset, CO
81434-9625. Your billing statement
reflected a balance of $and a minimum payment of $with a payment
due date of September 21, 2013. At which
time, we did not receive payment causing a late fee and finance charge to
assess. Further Bank records indicate that
no payments were received during the next six consecutive billing periods; therefore,
your Herberger’s account received additional late fees and finance
charges. As of March 26, 2014, Comenity
Bank reported your account as a written off, unpaid debt with a balance of
$
On your behalf, we contacted Herberger’s
corporate office to find out if they had any records of your cash payment. During their investigation, they were unable
to locate any such payment; however, should you have proof of this please send
it to my attention at the address above
On June 17, July 8, and August 19, 2015,
Comenity Bank received three payments of $totaling $241.20; that were
excepted as settlement to your account.
On September 18, 2015, we notified the national credit-reporting
agencies that your account was paid in full for less than the balance
Comenity Bank is required by law to report
factual data to the national credit-reporting agencies with regard to account
activity. At this time Comenity Bank
finds no errors in its reporting of your Herberger’s account to the credit
bureaus; therefore, we are unwilling to have the delinquency removed. Delinquent accounts typically report for
seven years from the date the account first became delinquent
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this has caused
you. If you have any further questions regarding this letter,
please contact me at (800) 675-5685, ext*** (TDD/TTY (800) 695-1788). I will be happy to assist you
Sincerely,
Jack C***
Consumer Relations Specialist
CC:
Revdex.com
Maybe my complaint is with Simply Be - which can never be reached unless making purchase? Straight to ComenityI'm thinking not Comenity bank, but Simply be Co- when corresponding one and the same??article a prpanty - fully pdlong ago.I've called them several times to resolve the fact I owe nothing to "Simply Be: which Comenity Bank handles billingAlso called Simply Be or 8X - these turn me over to Bank, The thing is Comenity also handles *** *** an other CoWhich I received several raises in creditSimply Be is Not reachableThank you, *** ***
Parts don't make any senseI have not lived at the *** address for the past four years and I know the items were not shipped to the "above address" because we have only lived here for a year and three monthsSo that makes no senseIf the CCA was sent the an address I don't live at of course I didn't close the accountThe address I lived at during this time was Fischer Rd lot Creve Coeur IL Which isn't mentioned at all in the letterSo no I didn't pay the bill because I didn't receive the invoices, I didn't receive the items and I did not open the accountI did attempt to settle the account and take care of the balance but the charge was run through my checking account a month earlier than quoted so yes I did return itIf I had received the invoices I would have closed the account but I never did so that's a mute pointSo in conclusion, an account was opened that I didn't open, items were sent to an address I did not live at and also the bills were sent to another address I did not live atRegardless of all of this I am still willing to settle the account to expedite it's removal from my credit, because I am responsible and take care of my obligations I still don't understand how a company can issue a card with a balance of $ that has a balance of $dollars can let someone charge an additional dollars when there is only dollars available.
Regards,
*** ***