Dear Ms. [redacted]We received your complaint, submitted to theRevdex.com, regarding the above-referenced account. Comenity Bank issues Express credit cardaccounts, and we are here to help with your account-related questions. I appreciate this opportunity to...
assist you. We understand from your complaint that theaccount was reporting as settled for less than the full balance, however theaccount was paid in full. Additionally you request the Bank delete the charge off from your credit report and onlyreport the account as paid in full. We apologize for any inconvenience this matter may have caused you.Bank records indicate the Express account was opened on May 3, 2003. Due tonon-receipt of payment, the account was closed, and written off on September10, 2011, and reported to the credit- reporting agencies as an unpaid debt.On November 15, 2012, a payment of $394.91was received and posted to the Express account. This was payment In full. Please be assured that the account is reporting to the national credit reportingagencies as a charge off, paid in full. Please understand that Comenity Bank is required to report factual information to the national credit-reportingagencies. We reviewed the informationreporting on your credit file in regard the above-referenced account, and wehave found the payment history to be accurately reporting, as such, no changeswill be made to the reporting of the Express account.We understand that our customers mayexperience circumstances beyond their control, which may cause their accountsto become past due. As an option, you may want to consider submitting a consumer statement to the credit-reportingagencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating;however, it will explain to potential creditors why the account became pastdue, and it may contribute to their decision. The credit bureaus may be reached by using the following information: [redacted]We hope this information is helpful. Should you have any further questions orconcerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity...
to respond to your concerns. In your complaint you state you ordered furniture from wayfair® and a problem occurred with your first monthly payment posting to your wayfair® credit card account. You state that you contacted Comenity Bank, and were advised the payment made on May 20, 2016, was returned with an error message of “incorrect information”. You then immediately paid the balance in full. A few weeks later you attempted to use the account; however, you were advised that the account was on hold, due to the returned payment. You have returned some merchandise and state you should have a refund of $177.00. You are requesting the $177.00 refund be sent via automated clearing house (ACH), and you feel you are owed interest for the delay in the credit posting to your way fair® account. We apologize for any inconvenience this matter may have caused you. Please note, I have attempted to contact you at the phone number ending in 6177, to verify information in-order to submit your refund electronically; unfortunately, my attempts have been unsuccessful. Therefore, I requested your refund to be sent to you via direct mail. Please be advised that since then, you have contacted the Bank and provided your personal account information and an electronic refund was requested for you on August 15, 2016. Therefore, we have placed a stop payment on the refund check that was issued by mail. Please destroy the check upon receipt. If the check is deposited, it will be returned unpaid, and may result in fees being assessed to your bank account. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please note, when a payment has been returned on a new account, the system will automatically place a 90 day restriction/hold on the account. This hold prohibits the accountholder from making new purchases. Within the 90 day interval, the accountholder will have to build a valid payment history with Comenity Bank by making consecutive on-time payments for three months, or if there is no balance, three months of inactivity on the account.In addition, the Bank respectfully declines your request for interest on the refund.I hope you find this information to be helpful. If you have any additional questions or concerns, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I would be happy to assist you.Sincerely,Geanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
Dear [redacted]:Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint submitted to the Revdex.com was forwarded to my attention for review. I appreciate the opportunity...
to assist you.We understand from your complaint that you were injured from your job and lost employment in February 2015, which prevented you from making timely payments. You made attempts to pay the balance little by little. After being approved for Disability Social Security, you filed a claim with the Account Assure vendor, AON and the balance was paid in full. You have recently opened a new business and you are trying to rebuild your credit history, as well as move to a new location. Your credit report is indicating that the account is closed, not active or working, and you would like the Bank to reinstate the account back to an active status, like when you first established the account.Please be assured that we reviewed your account and we are happy to explain our findings.Bank records indicate that as a result of the account becoming two payments delinquent in January 2015, the credit limit was lowered to zero. Please note that when payment is not received, received after the payment due date, or the payment is made for less than the required minimum due, the account charging privileges may be suspended and the credit limit lowered to zero by the Bank, as explained in the Credit Card Agreement.As indicated in the complaint, the injury you sustained occurred February 21, 2015, which was a month after the credit limit was lowered to zero. The Account Assure claim was filed in November 2015 and the benefit paid your account balance in full on December 9, 2015.The Bank is unwilling to auto reinstate the credit limit on your account. You may contact our Customer Care team at any time to request a credit limit increase. They can be reached at ###-###-####. In doing so, please keep in mind that a credit bureau report may need reviewed to determine your eligibility for a credit limit increase.In addition, after review of the credit bureaus, we confirmed that Comenity Bank is not reporting the account as “closed”.We apologize for any frustration or inconvenience you have experienced, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] We have received the complaint that you sent to the Revdex.com (Revdex.com),regarding the above-noted account. ComenityBank issues Ann Taylor/LOFT credit card accounts, and we are here to helpyou with your account-related questions. Your complaint was...
forwarded to my attention, and I appreciate theopportunity to address your concerns. We understand from your complaint that unauthorized purchaseswere applied to your account on March2, 2015, for $251.14, and $117.09; March 4, 2015, for $133.21, $61.07, and $77.33. In addition, you request to be reimbursed forthe unauthorized purchases. We have reviewed your account and are happyto explain our findings. Bank recordsindicate that the concerns referenced in your complaint were resolved and a responsewas issued to you on May 8, 2015. Wehave enclosed a copy of our response for your records. Our records indicate your previous address onfile was [redacted] On April 16, 2015, your address was updatedto the address listed in your Revdex.comcomplaint. We have contacted the corporate office of AnnInc. on your behalf, regarding the disputed purchases. According to Ann Inc. corporate office, thepurchases were shipped, delivered and signed for, to the previous address,which was the current address on the account at the time the orders wereshipped. In addition, two items from the purchase of$77.33 were returned and a credit of $42.12 was applied to your account, onMarch 7, 2015. Enclosed is a listing of the purchases/ordersinformation, provided by Ann Inc. corporate office, which provides the orderdates, order numbers, merchandise descriptions, transaction amounts, shippingdates, and the names of who signed for the packages. However, if you believe the charges arefraudulent, please complete and return the enclosed Affidavit of Credit CardFraud, to our Account Protection (Fraud) team. Once the completed information has been received and processed, a fraud investigationwill be established. Please return theaffidavit to: Comenity Bank[redacted] We value you as a customer, and we sincerely apologize for anyconfusion or frustration this situation may have caused you. Wehope this information is helpful. Shouldyou have any further questions or concerns regarding this letter, pleasecontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); Iwill be happy to assist you.Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues west elm credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We have reviewed your account, and our records indicate that we previously responded to this complaint on February 17, 2016. We have enclosed a copy of our previous response for your records. Please be advised that our position remains unchanged, we consider this matter closed. 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. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
If the the audio tape was reviewed, than somebody would have heard Mr. M[redacted] say over the phone that I am only supposed to be charged $1,676 dollars. How I am at fault? Mr. M[redacted] is very clear about it. Your own customer service agent did not understand how it was possible. She repeatedly told him that another charge was shown in your system. Mr. M[redacted] than proceed to tell us to contact bank of [redacted] cause maybe it was their fault. I just want an explanation how after listening to the tapes, how is my verdict not justified. It is clearly stated by merchant what the charge was supposed to be. What other evidence do I need to provide? Clearly there is mistake somewhere. All I am showed is copy of receipt during check in which includes amount for deposit. There is no receipt for check out. When returned the key the agents told me same thing as Mr. M[redacted], the final charge is $1,676. How can I prevent this in future?
Regards,[redacted]
Dear Ms. [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. We understand from your complaint that your account was charged a late fee as the payment was not made on time. You sent an email requesting that the late fee be removed as your husband, being a police officer, was not paid for two months and you had no income. You were advised the late fee could not be removed and you are asking again, as other creditors understood your hardship. Bank records indicate that payment of $25.00 was due on June 3, 2015. Payment of $30.00 was received on June 13, 2015, which was after the due date, and the account was assessed a $25.00 late fee. As the account had a previous late fee credit of $25.00 on October 30, 2014, the account was not eligible for another credit. Based on the information you provided the financial hardship and, in the interest of customer service, I have issued credit for the $25.00 late fee previously assessed. This credit will appear on the July 2014 billing statement. Please keep in mind that should payment be missed, made after the payment due date, or made for less than the requested payment due, the account will be assessed a late fee per the Bank’s Credit Card Agreement (CCA). You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. It has been a FULL YEAR that my account has been closed, so this shouldn't even still be an issue at this point. you better have fixed it this time because if I have to report you yet again, I will just reject anything you come up with.Regards, [redacted]
Dear [redacted]: We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues Old Pueblo Traders credit card accounts, and we are here to help answer your account-related questions. Your complaint...
was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns. You state in your complaint that you received a call about a bill, and although the bill was paid on time, it took a week to post to the account. You further state that when you called to get it straight, the representative you spoke with said that she was sending the police to your house to arrest you for not paying on time. Additionally, you state that when you called to cancel the account you were told that you were never going to pay anyway. We sincerely apologize for any frustration this matter may have caused you. We have reviewed your account and are happy to share our findings. We have enclosed copies of your monthly billing statements referenced in this letter, for your review. The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service; however, we could find no evidence of the treatment you describe. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Please understand that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account will be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card Agreement. Our records indicate that a billing statement was issued on December 26, 2014, reflecting a balance of $324.42, and a minimum payment of $20.00 due by January 21, 2015. On January 22, 2015, a payment of $50.00 posted to the account. Because the payment posted after the due date, a late fee and a finance charge were assessed. Statements continued to be sent monthly; however, as no payments were received until June 10, 2015, late fees and finance charges continued to be assessed, and the account fell four billing cycles past due. After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service, we have issued credits totaling $145.00 to remove the late fees which were assessed to the account from January through May 2015. These credits will appear on one of your next two billing statements. We value you as a customer, and we hope you find this information to be helpful. Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted]TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Comenity Bank has received your correspondence regarding the above-referenced account. ComenityBank issues the Victoria’s Secret Angel credit card accounts. We are here to answer your questions andassist with your concerns.Your complaint states that you have been a long time customer with Victoria’s...
Secret and you were recentlytold that your account was being placed on hold due to inactivity. You state that your account has not beeninactive. You further state that you had no choice but to have your credit reviewed; however, you weredeclined as a result of your credit rating. I understand you are requesting to have your credit reinstated anapology from the Bank, or at the very least your account balance wiped to zero, and an account closed ingood standing.I apologize for any confusion or frustration this may have caused you. I have reviewed the concerns notedin your correspondence and would like to provide you with the following information.Please be advised that when there have been significant changes to a customer’s credit bureau report oran account has been inactive for over a year, a status is added on to the account and a the customer’scredit bureau must be reviewed in order to reinstate the account. Based on the information on your creditbureau report, the Bank was unable to reinstate your account.Furthermore, we respectfully decline your request to bring your account balance to zero.I hope you found this information to be helpful. If you have any further questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the above referenced accounts. Comenity Capital Bank issues HSN, Home & Garden Showplace, and Grand Rental Station credit card accounts, and we are here to help answer your account-related...
questions. I appreciate the opportunity to assist you with your concerns.We understand from your correspondence that you provided documentation to the Bank; however, you were advised by a representative from our Account Protection team that we had not received those documents. Furthermore, you are requesting that all your accounts be restored. Additionally, you state we have your permission to discuss the accounts with your son, Brian Selzer. I understand your concerns and I apologize for any frustration or inconvenience this matter may have caused you.Please be assured we have notated the accounts that we may speak with your son, [redacted] regarding the accounts.After reviewing your accounts, our records indicate that we would need to verify additional information before we can reopen all of your accounts, please contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you.I hope you find this information to be helpful. Should you have any additional questions or concerns, please contact Account Protection.Sincerely,Jenny W[redacted]
Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card account. We are here to answer your questions and assist with your concerns. Your complaint states that you...
opened a Victoria’s Secret Angel account in 2012 and that the Bank closed your account without notifying you. You further state that there was a class action lawsuit against the Bank and you received a $20.00 gift card. Furthermore, you state that 5 years later, your account was reopened. In February or March 2017, you made a purchase and was aware that you would have a bill due soon. However, you did not receive a statement until May 2017. As a result of not receiving your statements, your account was charged late fees and your account was reported as delinquent to the credit bureau agencies. You are requesting that the late fees be removed and the delinquency be removed from your credit bureau report. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you. Please 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. Bank records indicate that the Victoria’s Secret Angel account was opened on August 9, 2010, in the name of [redacted]. Please be advised that your account was never closed; however, in June 2016, the Bank did change the Victoria’s Secret Angel card number from a nine digit account number to a fifteen digit account number. Bank records further indicate that you are enrolled in paperless statements and notifications are sent to [redacted], which is the email address you provided on March 13, 2012. Notification is sent to the email you provided advising you of when a statement is ready to be viewed. Please be advised that on March 16, 2017, a statement was issued showing a balance of $44.77 with a minimum payment of $25.00 due by April 11, 2017. The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your account. Furthermore, on April 15, 2017, a statement was issued showing a balance of $142.41 with a minimum payment of $30.00 due by May 11, 2017. The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your account. On May 16, 2017, a statement was issued to you showing a balance of $179.08 with a minimum payment of $35.00 due by June 11, 2017. The Bank received a payment of $100.00 on May 22, 2017. Bank records further indicate that your account received a courtesy late fee credit of $15.00 on May 22, 2017, and is not eligible for an additional late fee credit. Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the NY&C Rewards credit card account. We are here to answer your questions and assist with your concerns.I understand from your correspondence that you requested to have a recent...
late fee removed from your NY&C Rewards credit card account. You sate you scheduled a payment online; however, when you called the Bank, you were advised the payment did not go through. You requested a courtesy late fee credit, but were advised you were not eligible due to a previous courtesy credit. You state the previous credit was not a courtesy credit, but rather a credit due to a change in Bank policy. You understand that a late fee would be assessed if you had forgotten to make a payment; however, as you did not forget, you would like the late fee credited. We understand your concerns and would like to explain our findings. Bank records indicate you logged into the Bank’s Account Center website on March 1, 2017; and changed your password. Our records do not show a payment scheduled at that time. The Bank respectfully declines your request to have the late fee removed from your account. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kristina W[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear [redacted] We have received your complaint regarding a Comenity Bank credit card account. Comenity Bank issues multiple retail credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your...
concerns. We understand from your complaint that you placed an order with Bath and Body Works and were charged twice for your order. You are requesting a refund for the duplicate charge. I understand your concerns and I apologize for any frustration or inconvenience this matter may have caused you. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate the account you are referring to. To locate an account, we would need additional information. Please provide the following: ? Complete Account Number ? Any Previous Names ? Any Previous Addresses ? Home Telephone Number ? Social Security number This information can be mailed to the address listed above or faxed to my attention at ###-###-####. I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]
May 5, 2016
[redacted]
Dear [redacted]:
We have received the inquiry you sent to the Revdex.com (Revdex.com) regarding the above-noted account. Your...
correspondence was forwarded to Comenity Bank. Comenity Bank issues the [redacted] Store credit card accounts, and we are here to help answer credit-related questions. I appreciate the opportunity to assist you with your concerns.
We understand from your complaint to the Revdex.com that you received three billing statements with late fees. You further state that you disputed this charge and in good faith tried to resolve the issue with Comenity Bank. Lastly, you had spoken to a person that helped you bringing your account to a zero balance; however, started receiving additional statements with late fees.
We apologize for the inconvenience this may have caused you and would like to take this time to explain our findings.
In December 2015, we sent a billing statement to the above address indicating a balance of $61.55 with a minimum payment of $25.00 due by January 11, 2016. On January 11, 2016, account records show you called in to Customer Service to make a payment by phone in the amount of $25.00. When listening to the call we found the checking account number supplied to us by you was “[redacted]”. On January 14, 2016, Comenity Bank received word from your banking institution advising the payment was returned as “Insufficient Funds by bank”. When a payment is returned the funds are debited back to your account and a returned check fee of $25.00 may be assessed. In February 2016 it was later determined the checking account number was incorrect.
At that time, our associate removed the late fee of $18.25 and the $2.00 from your account leaving a balance of $25.00 due to the returned check fee. As a result of the returned check fee not being removed additional statements for March and April 2016 were issued, causing an additional late fee and finance charge; bringing your [redacted] Store account balance to $52.00.
After a thorough investigation and in the interest of customer service, Comenity Bank is no longer holding you responsible for the remaining balance. As of the date of this letter, your new balance is zero and your account was closed per your request on April 28, 2016. In addition, we have notified the national credit-reporting bureaus to remove all delinquencies from your credit report in regard to your [redacted] Store account.
I hope you find this information helpful. If you have any further questions about this account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY: Comenity Bank ###-###-####). I will be happy to assist you.
Sincerely,
Jack C[redacted]
Jack C[redacted] Consumer Relations Specialist
cc: Revdex.com
January 5, 2018
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account....
Comenity Capital Bank issues the Lending Club Patient Solutions Credit Account credit card. We are here to answer your questions and assist with your concerns.Your correspondence indicates you opened this account in early 2017 and made the monthly payments when due. You contacted the Bank advising you were temporarily unable to make the minimum payments. You have been receiving numerous calls from the Bank, and you consider this harassment. You request we accept the payment terms you have offered and reduce the number of weekly telephone calls.This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance.When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation, and work out repayment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status. We appreciate your business, and we want to share with you some options that may be available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####.• Also, 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. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain informationregarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.You mentioned that you would prefer to only be called once or twice per week. Unfortunately, wedo not have the ability to adapt our call schedules to individual specific requests. We want you tohave a positive customer experience with the Bank. If you no longer wish to receive any additionalphone calls of this nature, please call the customer service number listed on the back of yourcredit card or monthly billing statement, and request that your phone number(s) be updated with“Do Not Call” instructions.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccounts referenced above. Comenity Bank issues dressbarn and LANE BRYANT PREFFEREDcredit card accounts, and we are here to assist you with all account-related questions. Iappreciate the...
opportunity to respond to your concerns.We previously received and responded to your correspondence submitted to the FDIC regardingthis same matter. Please find enclosed a copy of our response sent to you on March 30, 2016.We hope you have found this information helpful. If you have any further questions, pleasecontact Erin M[redacted] at the number provided in the prior correspondence. They will be happyto assist you.Sincerely,Amanda R**
I am so sorry for not responding to confirm that this has been resolved. Complaint ID # [redacted] Comenity Bank. If not for your help I would still be spinning my wheels. Thank you very much.Sincerely,[redacted]
Dear Ms. [redacted]We received your complaint, submitted to theRevdex.com, regarding the above-referenced account. Comenity Bank issues Express credit cardaccounts, and we are here to help with your account-related questions. I appreciate this opportunity to...
assist you. We understand from your complaint that theaccount was reporting as settled for less than the full balance, however theaccount was paid in full. Additionally you request the Bank delete the charge off from your credit report and onlyreport the account as paid in full. We apologize for any inconvenience this matter may have caused you.Bank records indicate the Express account was opened on May 3, 2003. Due tonon-receipt of payment, the account was closed, and written off on September10, 2011, and reported to the credit- reporting agencies as an unpaid debt.On November 15, 2012, a payment of $394.91was received and posted to the Express account. This was payment In full. Please be assured that the account is reporting to the national credit reportingagencies as a charge off, paid in full. Please understand that Comenity Bank is required to report factual information to the national credit-reportingagencies. We reviewed the informationreporting on your credit file in regard the above-referenced account, and wehave found the payment history to be accurately reporting, as such, no changeswill be made to the reporting of the Express account.We understand that our customers mayexperience circumstances beyond their control, which may cause their accountsto become past due. As an option, you may want to consider submitting a consumer statement to the credit-reportingagencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating;however, it will explain to potential creditors why the account became pastdue, and it may contribute to their decision. The credit bureaus may be reached by using the following information: [redacted]We hope this information is helpful. Should you have any further questions orconcerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
We are in receipt of your complaint regarding the above-referenced account. Comenity Bank issues wayfair® credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity...
to respond to your concerns. In your complaint you state you ordered furniture from wayfair® and a problem occurred with your first monthly payment posting to your wayfair® credit card account. You state that you contacted Comenity Bank, and were advised the payment made on May 20, 2016, was returned with an error message of “incorrect information”. You then immediately paid the balance in full. A few weeks later you attempted to use the account; however, you were advised that the account was on hold, due to the returned payment. You have returned some merchandise and state you should have a refund of $177.00. You are requesting the $177.00 refund be sent via automated clearing house (ACH), and you feel you are owed interest for the delay in the credit posting to your way fair® account. We apologize for any inconvenience this matter may have caused you. Please note, I have attempted to contact you at the phone number ending in 6177, to verify information in-order to submit your refund electronically; unfortunately, my attempts have been unsuccessful. Therefore, I requested your refund to be sent to you via direct mail. Please be advised that since then, you have contacted the Bank and provided your personal account information and an electronic refund was requested for you on August 15, 2016. Therefore, we have placed a stop payment on the refund check that was issued by mail. Please destroy the check upon receipt. If the check is deposited, it will be returned unpaid, and may result in fees being assessed to your bank account. Comenity Bank would like to apologize for the inconvenience and frustration this matter may have caused you. Please note, when a payment has been returned on a new account, the system will automatically place a 90 day restriction/hold on the account. This hold prohibits the accountholder from making new purchases. Within the 90 day interval, the accountholder will have to build a valid payment history with Comenity Bank by making consecutive on-time payments for three months, or if there is no balance, three months of inactivity on the account.In addition, the Bank respectfully declines your request for interest on the refund.I hope you find this information to be helpful. If you have any additional questions or concerns, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I would be happy to assist you.Sincerely,Geanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
Dear [redacted]:Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint submitted to the Revdex.com was forwarded to my attention for review. I appreciate the opportunity...
to assist you.We understand from your complaint that you were injured from your job and lost employment in February 2015, which prevented you from making timely payments. You made attempts to pay the balance little by little. After being approved for Disability Social Security, you filed a claim with the Account Assure vendor, AON and the balance was paid in full. You have recently opened a new business and you are trying to rebuild your credit history, as well as move to a new location. Your credit report is indicating that the account is closed, not active or working, and you would like the Bank to reinstate the account back to an active status, like when you first established the account.Please be assured that we reviewed your account and we are happy to explain our findings.Bank records indicate that as a result of the account becoming two payments delinquent in January 2015, the credit limit was lowered to zero. Please note that when payment is not received, received after the payment due date, or the payment is made for less than the required minimum due, the account charging privileges may be suspended and the credit limit lowered to zero by the Bank, as explained in the Credit Card Agreement.As indicated in the complaint, the injury you sustained occurred February 21, 2015, which was a month after the credit limit was lowered to zero. The Account Assure claim was filed in November 2015 and the benefit paid your account balance in full on December 9, 2015.The Bank is unwilling to auto reinstate the credit limit on your account. You may contact our Customer Care team at any time to request a credit limit increase. They can be reached at ###-###-####. In doing so, please keep in mind that a credit bureau report may need reviewed to determine your eligibility for a credit limit increase.In addition, after review of the credit bureaus, we confirmed that Comenity Bank is not reporting the account as “closed”.We apologize for any frustration or inconvenience you have experienced, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] We have received the complaint that you sent to the Revdex.com (Revdex.com),regarding the above-noted account. ComenityBank issues Ann Taylor/LOFT credit card accounts, and we are here to helpyou with your account-related questions. Your complaint was...
forwarded to my attention, and I appreciate theopportunity to address your concerns. We understand from your complaint that unauthorized purchaseswere applied to your account on March2, 2015, for $251.14, and $117.09; March 4, 2015, for $133.21, $61.07, and $77.33. In addition, you request to be reimbursed forthe unauthorized purchases. We have reviewed your account and are happyto explain our findings. Bank recordsindicate that the concerns referenced in your complaint were resolved and a responsewas issued to you on May 8, 2015. Wehave enclosed a copy of our response for your records. Our records indicate your previous address onfile was [redacted] On April 16, 2015, your address was updatedto the address listed in your Revdex.comcomplaint. We have contacted the corporate office of AnnInc. on your behalf, regarding the disputed purchases. According to Ann Inc. corporate office, thepurchases were shipped, delivered and signed for, to the previous address,which was the current address on the account at the time the orders wereshipped. In addition, two items from the purchase of$77.33 were returned and a credit of $42.12 was applied to your account, onMarch 7, 2015. Enclosed is a listing of the purchases/ordersinformation, provided by Ann Inc. corporate office, which provides the orderdates, order numbers, merchandise descriptions, transaction amounts, shippingdates, and the names of who signed for the packages. However, if you believe the charges arefraudulent, please complete and return the enclosed Affidavit of Credit CardFraud, to our Account Protection (Fraud) team. Once the completed information has been received and processed, a fraud investigationwill be established. Please return theaffidavit to: Comenity Bank[redacted] We value you as a customer, and we sincerely apologize for anyconfusion or frustration this situation may have caused you. Wehope this information is helpful. Shouldyou have any further questions or concerns regarding this letter, pleasecontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); Iwill be happy to assist you.Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted] We received your additional complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues west elm credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We have reviewed your account, and our records indicate that we previously responded to this complaint on February 17, 2016. We have enclosed a copy of our previous response for your records. Please be advised that our position remains unchanged, we consider this matter closed. 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. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
If the the audio tape was reviewed, than somebody would have heard Mr. M[redacted] say over the phone that I am only supposed to be charged $1,676 dollars. How I am at fault? Mr. M[redacted] is very clear about it. Your own customer service agent did not understand how it was possible. She repeatedly told him that another charge was shown in your system. Mr. M[redacted] than proceed to tell us to contact bank of [redacted] cause maybe it was their fault. I just want an explanation how after listening to the tapes, how is my verdict not justified. It is clearly stated by merchant what the charge was supposed to be. What other evidence do I need to provide? Clearly there is mistake somewhere. All I am showed is copy of receipt during check in which includes amount for deposit. There is no receipt for check out. When returned the key the agents told me same thing as Mr. M[redacted], the final charge is $1,676. How can I prevent this in future?
Regards,[redacted]
Dear Ms. [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer your questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. We understand from your complaint that your account was charged a late fee as the payment was not made on time. You sent an email requesting that the late fee be removed as your husband, being a police officer, was not paid for two months and you had no income. You were advised the late fee could not be removed and you are asking again, as other creditors understood your hardship. Bank records indicate that payment of $25.00 was due on June 3, 2015. Payment of $30.00 was received on June 13, 2015, which was after the due date, and the account was assessed a $25.00 late fee. As the account had a previous late fee credit of $25.00 on October 30, 2014, the account was not eligible for another credit. Based on the information you provided the financial hardship and, in the interest of customer service, I have issued credit for the $25.00 late fee previously assessed. This credit will appear on the July 2014 billing statement. Please keep in mind that should payment be missed, made after the payment due date, or made for less than the requested payment due, the account will be assessed a late fee per the Bank’s Credit Card Agreement (CCA). You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
I have replied before that the issue was resolved thank you!!
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. It has been a FULL YEAR that my account has been closed, so this shouldn't even still be an issue at this point. you better have fixed it this time because if I have to report you yet again, I will just reject anything you come up with.Regards, [redacted]
Dear [redacted]: We have received the complaint that you sent to the Revdex.com regarding the above-noted account. Comenity Bank issues Old Pueblo Traders credit card accounts, and we are here to help answer your account-related questions. Your complaint...
was forwarded to my attention, and I appreciate the opportunity to assist you with your concerns. You state in your complaint that you received a call about a bill, and although the bill was paid on time, it took a week to post to the account. You further state that when you called to get it straight, the representative you spoke with said that she was sending the police to your house to arrest you for not paying on time. Additionally, you state that when you called to cancel the account you were told that you were never going to pay anyway. We sincerely apologize for any frustration this matter may have caused you. We have reviewed your account and are happy to share our findings. We have enclosed copies of your monthly billing statements referenced in this letter, for your review. The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service; however, we could find no evidence of the treatment you describe. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. Please understand that when payments are not received, are received after the due date, or are made for less than the minimum payment required, the account will be assessed a late fee and finance charge, pursuant to the terms and conditions of the Credit Card Agreement. Our records indicate that a billing statement was issued on December 26, 2014, reflecting a balance of $324.42, and a minimum payment of $20.00 due by January 21, 2015. On January 22, 2015, a payment of $50.00 posted to the account. Because the payment posted after the due date, a late fee and a finance charge were assessed. Statements continued to be sent monthly; however, as no payments were received until June 10, 2015, late fees and finance charges continued to be assessed, and the account fell four billing cycles past due. After thoroughly reviewing your account, we find the balance to be valid; however, in the interest of customer service, we have issued credits totaling $145.00 to remove the late fees which were assessed to the account from January through May 2015. These credits will appear on one of your next two billing statements. We value you as a customer, and we hope you find this information to be helpful. Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted]TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Comenity Bank has received your correspondence regarding the above-referenced account. ComenityBank issues the Victoria’s Secret Angel credit card accounts. We are here to answer your questions andassist with your concerns.Your complaint states that you have been a long time customer with Victoria’s...
Secret and you were recentlytold that your account was being placed on hold due to inactivity. You state that your account has not beeninactive. You further state that you had no choice but to have your credit reviewed; however, you weredeclined as a result of your credit rating. I understand you are requesting to have your credit reinstated anapology from the Bank, or at the very least your account balance wiped to zero, and an account closed ingood standing.I apologize for any confusion or frustration this may have caused you. I have reviewed the concerns notedin your correspondence and would like to provide you with the following information.Please be advised that when there have been significant changes to a customer’s credit bureau report oran account has been inactive for over a year, a status is added on to the account and a the customer’scredit bureau must be reviewed in order to reinstate the account. Based on the information on your creditbureau report, the Bank was unable to reinstate your account.Furthermore, we respectfully decline your request to bring your account balance to zero.I hope you found this information to be helpful. If you have any further questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the above referenced accounts. Comenity Capital Bank issues HSN, Home & Garden Showplace, and Grand Rental Station credit card accounts, and we are here to help answer your account-related...
questions. I appreciate the opportunity to assist you with your concerns.We understand from your correspondence that you provided documentation to the Bank; however, you were advised by a representative from our Account Protection team that we had not received those documents. Furthermore, you are requesting that all your accounts be restored. Additionally, you state we have your permission to discuss the accounts with your son, Brian Selzer. I understand your concerns and I apologize for any frustration or inconvenience this matter may have caused you.Please be assured we have notated the accounts that we may speak with your son, [redacted] regarding the accounts.After reviewing your accounts, our records indicate that we would need to verify additional information before we can reopen all of your accounts, please contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you.I hope you find this information to be helpful. Should you have any additional questions or concerns, please contact Account Protection.Sincerely,Jenny W[redacted]
Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card account. We are here to answer your questions and assist with your concerns. Your complaint states that you...
opened a Victoria’s Secret Angel account in 2012 and that the Bank closed your account without notifying you. You further state that there was a class action lawsuit against the Bank and you received a $20.00 gift card. Furthermore, you state that 5 years later, your account was reopened. In February or March 2017, you made a purchase and was aware that you would have a bill due soon. However, you did not receive a statement until May 2017. As a result of not receiving your statements, your account was charged late fees and your account was reported as delinquent to the credit bureau agencies. You are requesting that the late fees be removed and the delinquency be removed from your credit bureau report. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you. Please 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. Bank records indicate that the Victoria’s Secret Angel account was opened on August 9, 2010, in the name of [redacted]. Please be advised that your account was never closed; however, in June 2016, the Bank did change the Victoria’s Secret Angel card number from a nine digit account number to a fifteen digit account number. Bank records further indicate that you are enrolled in paperless statements and notifications are sent to [redacted], which is the email address you provided on March 13, 2012. Notification is sent to the email you provided advising you of when a statement is ready to be viewed. Please be advised that on March 16, 2017, a statement was issued showing a balance of $44.77 with a minimum payment of $25.00 due by April 11, 2017. The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your account. Furthermore, on April 15, 2017, a statement was issued showing a balance of $142.41 with a minimum payment of $30.00 due by May 11, 2017. The Bank did not receive a payment; therefore, a late fee and finance charge were assessed to your account. On May 16, 2017, a statement was issued to you showing a balance of $179.08 with a minimum payment of $35.00 due by June 11, 2017. The Bank received a payment of $100.00 on May 22, 2017. Bank records further indicate that your account received a courtesy late fee credit of $15.00 on May 22, 2017, and is not eligible for an additional late fee credit. Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the NY&C Rewards credit card account. We are here to answer your questions and assist with your concerns.I understand from your correspondence that you requested to have a recent...
late fee removed from your NY&C Rewards credit card account. You sate you scheduled a payment online; however, when you called the Bank, you were advised the payment did not go through. You requested a courtesy late fee credit, but were advised you were not eligible due to a previous courtesy credit. You state the previous credit was not a courtesy credit, but rather a credit due to a change in Bank policy. You understand that a late fee would be assessed if you had forgotten to make a payment; however, as you did not forget, you would like the late fee credited. We understand your concerns and would like to explain our findings. Bank records indicate you logged into the Bank’s Account Center website on March 1, 2017; and changed your password. Our records do not show a payment scheduled at that time. The Bank respectfully declines your request to have the late fee removed from your account. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, Kristina W[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
Dear [redacted] We have received your complaint regarding a Comenity Bank credit card account. Comenity Bank issues multiple retail credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist you with your...
concerns. We understand from your complaint that you placed an order with Bath and Body Works and were charged twice for your order. You are requesting a refund for the duplicate charge. I understand your concerns and I apologize for any frustration or inconvenience this matter may have caused you. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate the account you are referring to. To locate an account, we would need additional information. Please provide the following: ? Complete Account Number ? Any Previous Names ? Any Previous Addresses ? Home Telephone Number ? Social Security number This information can be mailed to the address listed above or faxed to my attention at ###-###-####. I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]
May 5, 2016
[redacted]
Dear [redacted]:
We have received the inquiry you sent to the Revdex.com (Revdex.com) regarding the above-noted account. Your...
correspondence was forwarded to Comenity Bank. Comenity Bank issues the [redacted] Store credit card accounts, and we are here to help answer credit-related questions. I appreciate the opportunity to assist you with your concerns.
We understand from your complaint to the Revdex.com that you received three billing statements with late fees. You further state that you disputed this charge and in good faith tried to resolve the issue with Comenity Bank. Lastly, you had spoken to a person that helped you bringing your account to a zero balance; however, started receiving additional statements with late fees.
We apologize for the inconvenience this may have caused you and would like to take this time to explain our findings.
In December 2015, we sent a billing statement to the above address indicating a balance of $61.55 with a minimum payment of $25.00 due by January 11, 2016. On January 11, 2016, account records show you called in to Customer Service to make a payment by phone in the amount of $25.00. When listening to the call we found the checking account number supplied to us by you was “[redacted]”. On January 14, 2016, Comenity Bank received word from your banking institution advising the payment was returned as “Insufficient Funds by bank”. When a payment is returned the funds are debited back to your account and a returned check fee of $25.00 may be assessed. In February 2016 it was later determined the checking account number was incorrect.
At that time, our associate removed the late fee of $18.25 and the $2.00 from your account leaving a balance of $25.00 due to the returned check fee. As a result of the returned check fee not being removed additional statements for March and April 2016 were issued, causing an additional late fee and finance charge; bringing your [redacted] Store account balance to $52.00.
After a thorough investigation and in the interest of customer service, Comenity Bank is no longer holding you responsible for the remaining balance. As of the date of this letter, your new balance is zero and your account was closed per your request on April 28, 2016. In addition, we have notified the national credit-reporting bureaus to remove all delinquencies from your credit report in regard to your [redacted] Store account.
I hope you find this information helpful. If you have any further questions about this account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY: Comenity Bank ###-###-####). I will be happy to assist you.
Sincerely,
Jack C[redacted]
Jack C[redacted] Consumer Relations Specialist
cc: Revdex.com
January 5, 2018
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account....
Comenity Capital Bank issues the Lending Club Patient Solutions Credit Account credit card. We are here to answer your questions and assist with your concerns.Your correspondence indicates you opened this account in early 2017 and made the monthly payments when due. You contacted the Bank advising you were temporarily unable to make the minimum payments. You have been receiving numerous calls from the Bank, and you consider this harassment. You request we accept the payment terms you have offered and reduce the number of weekly telephone calls.This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance.When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation, and work out repayment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status. We appreciate your business, and we want to share with you some options that may be available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####.• Also, 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. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain informationregarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.You mentioned that you would prefer to only be called once or twice per week. Unfortunately, wedo not have the ability to adapt our call schedules to individual specific requests. We want you tohave a positive customer experience with the Bank. If you no longer wish to receive any additionalphone calls of this nature, please call the customer service number listed on the back of yourcredit card or monthly billing statement, and request that your phone number(s) be updated with“Do Not Call” instructions.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccounts referenced above. Comenity Bank issues dressbarn and LANE BRYANT PREFFEREDcredit card accounts, and we are here to assist you with all account-related questions. Iappreciate the...
opportunity to respond to your concerns.We previously received and responded to your correspondence submitted to the FDIC regardingthis same matter. Please find enclosed a copy of our response sent to you on March 30, 2016.We hope you have found this information helpful. If you have any further questions, pleasecontact Erin M[redacted] at the number provided in the prior correspondence. They will be happyto assist you.Sincerely,Amanda R**
I am so sorry for not responding to confirm that this has been resolved. Complaint ID # [redacted] Comenity Bank. If not for your help I would still be spinning my wheels. Thank you very much.Sincerely,[redacted]