Dear [redacted],Comenity Capital Bank received the complaint for 11901378. We also received this consumer's CFPB complaint, in order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know...
if this extension is not approved. [redacted]Office: ###-###-####ref:_00D50JV5F._50050rP0JM:ref
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank issues Roaman’s credit card accounts. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that you made an order with Roaman’s in...
which you returnedthe merchandise. You contacted Roaman’s and confirmed that the items were returned within the30 day return period. Then you received a bill for $212.48 for postage. You are requesting to notbe contacted any further and to have this removed from your credit report.Please understand that Comenity Bank and Roaman’s are two separate entities. Comenity Bankis responsible for addressing questions related to your credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandise. If merchandise is returned within 90 days, Roaman’s willrefund the cost of the merchandise; however, shipping and handling charges are not refundable.Additionally, if you use the Customer Return Label (CRL), for your return, Roaman’s will chargeyour account for the cost of the label.After a review of your account; a purchase in the amount of $40.81 was applied to your accounton September 14, 2015. A return credit was applied to your account on October 09, 2015, in theamount of $32.22 which was less the shipping and handling fee. As the CRL was used, theamount of $7.50 was charged on October 09, 2015, as well.On October 22, 2015, a statement was issued which reflected the return credit and CRL charge.The new balance was $18.09, and a payment of $18.09 was due by November 17, 2015.Subsequent billing statements were issued each month; however, no payment was received.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.On February 08, 2016, you contacted the Bank and advised that you were receiving billing statements, but your order was returned. You further stated that you contacted Roaman’s and they confirmed the return was received and credited. Roaman’s also advised you they charged you for shipping and handling and the return label. The representative advised you of the balance and explained that no payment was received, which resulted in the account being assessed late fees. At this point you advised the representative that you wouldn’t be paying.As the account exceeded six consecutive billings past due, the account was closed, written-off by the Bank, and reported as an unpaid debt. The account was sold to Midland Credit Management. If you have any further questions about the debt, please contact them directly at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
I am demanding that all communication from Comenity Bank cease immediately.On Friday, January 20, 2017 my son returned a Comenity "message" on my phone instructingthe rep to have a letter sent to me indicating what they think I still owe. I also requested thisduring another call back to them. As of this date, nothing has been received. I doubt anything Isay is being entered in their computers.I've enclosed statements and emails from Comenity showing my payments. Theirconstant calls which tell me nothing are affecting my health; I will be 80 years old in June. I'veasked reps when they call "why are you still calling me?". One, [redacted], exclaimed "I don't know,you have no balance." This same answer was given to me by another rep on a different call.I owe nothing to Comenity. If Comenity feels otherwise, they have five days to provideevidence of any debt.Due to the harassing phone calls affecting my state of health, this letter is being copiedto those listed below.[redacted]
The fact that I called when I had not received my December 2017 statement should be taken into account. When I did call the credit card's customer service 800 number and I was told no "payment due at this time". Because of that, I waited to pay my bill. At the very least, Comenity Bank could offer to split the $27.00 late fee with me. But it seems this bank has very poor customer service which is why I decided to close my account.
Dear Ms. [redacted]We received your complaint from the Revdex.com, regarding your NEW YORK & Companycredit card account. Comenity Bank issues NEW YORK & Company credit card accounts, and we respondto all account-related questions. Your complaint was forwarded to my attention, and I...
appreciate theopportunity to assist you.We understand from your complaint that you had three late fees payments to the account. You requestedcredit for the late fess previously, and you were told we issued a $16.00 credit back in November 2015, andthat you have to wait 18 months to ask for another fee credit. You have carried the card for five years andnow can’t get help with having one late fee of $35.00 removed. Furthermore, you are now requesting weat least issue credit for the three late charges so that you can move forward with paying your bill in peace.We sincerely apologize for any frustration you may have experienced as a result of this matter.Please be assured we have reviewed the account, and we are happy to explain our findings below.Our records indicate that your payment due date occurs on the 10th of each month. Please understand,when payments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee and finance charge, as explained in the Credit CardAgreement (CCA). We have included a copy for your review and records.As the minimum payment for the months of March, April, and November 2015, were not received by therespective due date(s) on your NEW YORK & Company account; late fees were assessed to the account.Although there were no Bank errors, in the interest of customer service, we issued credit of $16.00 onNovember 30, 2015. We appreciate your loyalty in being a customer for several years. However, ourinvestigation indicates the late fees are valid. We are unwilling to issue credit for any additional late feesat this time. As of the date of this letter, the NEW YORK & Company credit card account has a balance in the amountof $864.50. The minimum amount due is $50.00 by May 10, 2016.We hope you find this information to be helpful. Should you have any further questions, please contact medirectly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Diamond L[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the VICTORIA’S SECRET credit card. We are here to answer your questions and assist with your concerns. We understand from your additional complaint that as of December 15, 2016, the online system indicates that the account is past due. Additionally, you received a letter stating that the account is suspended for three months, you request this be removed. I am happy to share my findings. Please be advised the systemic letter dated November 20, 2016, was sent after the second payment was returned within 90 days. This letter states that the account is suspended for further purchases, until payments are brought current and maintained with three consecutive on-time payments. On December 1, 2016, as a courtesy when the return fee was removed, so was this status. You may use the account for purchases at this time. Our records indicate that your payment due date is the 16th of each month. The account was showing past due on the Account Center website due to the payment made on November 16, 2016, was returned on November 18, 2016. There was no additional payment made for this billing cycle to rectify this matter. Additionally, the account did receive a payment on December 16, 2016, online of $30.00 and your retail payment of $17.00. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Pier 1 Rewards credit card. We are here to answer yourquestions and assist with your concerns.We received your correspondence, submitted to the Revdex.com, on behalf of...
LorraineJ. Fromm, regarding the merchandise return in January 2017. You stated that you have submittedproof of the return to the Bank. You continually receive statements and this is effecting the creditfile and the account has been sent to collection agency. You are requesting that the account iszeroed out due to this matter.Please be advised that as you are not the primary account holder for this account, the Bank isu nable to make adjustments to this account.In regard to the previous dispute regarding this returned merchandise, the Bank sent a letter directly to [redacted], the primary account holder regarding this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Renee S[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement, which are also outlined in the Billing Rights Summary contained in the monthly billing statements. Specifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:? Account information: Your name and account number? Dollar amount: The dollar amount of the suspected error? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:? We cannot try to collect the amount in question, or report you as delinquent on that amount.? The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.? While you do not have to pay the amount in question, you are responsible for the remainder of the balance.? We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days after the first billing statement on which the disputed charge appeared and you have not yet fully paid for the purchase, the maximum amount eligible for a credit is the balance on the account at the time of the dispute. When we received your dispute, there was a balance of $1,094.68, which was the amount credited to your account July 9, 2015.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that the account was assessed late fees for the...
months of May and June 2017. You contacted the Bank regarding the late fees and were advised they would be waived; however, they have not been. You are requesting that the late fees be waived as promised.I have reviewed the concerns noted in your correspondence and would like to provide you with the following information.We attempted to locate the applicable telephone conversations for the months noted above; however, we were unsuccessful.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 on April 17, 2017, a statement was issued indicating a balance of $335.51 with a minimum payment of $27.00 due by May 13, 2017. The Bank received a payment of $100.00 on May 16, 2017. As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Bank records further indicate that on May 18, 2017, a statement was issued indicating a balance of $275.30 with a minimum payment of $27.00 due by June 13, 2017. The Bank received a payment of $100.00 on June 14, 2017. As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Comenity Bank has not found any billing errors and we are unwilling to waive any fees as they are valid.To provide the best customer service possible, we offer multiple ways to make a payment. Choose 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 yourpayment in the store so it can be applied to your account on the same day. Check the back ofyour 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 8:00 p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe future. Online payments submitted after 8:00 p.m. ET 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 billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible. Please 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 8:00 p.m. ET to speak to a customer care representative. Afee 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 helpful. If you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Christopher & Banks credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you...
made a payment using your [redacted] account on April 13, 2017, on the Christopher & Banks website. On April 19, 2017, you noticed that the payment was returned, and you were assessed a return payment fee of $23.97. You state the Bank withdrew funds from a checking account that was on file, but had been closed. You are requesting to have the return payment fee of $23.97 refunded, as you did not pay for the items from the closed account. We apologize for the inconvenience you have experienced regarding this matter. Please be advised that the Bank will submit a payment for processing using the checking account selected when the payment is submitted online. The Bank does not have the ability to change the selection of the account. Your payment of $59.91, scheduled on April 13, 2017, was processed using the checking account selected on Account Center and was returned due to no bank account located. A returned payment fee of $23.97 was applied to your account, which was the balance on your account at the time of the payment being returned. Please be advised, that the Bank can only issue a refund for a return payment fee if there was a processing error on the behalf of the Bank. Therefore, we are unwilling to remove the return payment fee of $23.97. Your account reflects a credit balance of $10.00 for a return that was applied on April 24, 2017. We have requested a refund check for that amount and it should be received within fourteen days. Furthermore, the account was closed at your request on April 25, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
.We have received the inquiry that was sent to The Mayor’s Office of Consumer Affairs andLicensing on your behalf regarding the above-noted account. The correspondence wasforwarded to Comenity Capital Bank (Bank). Comenity Capital Bank issues the Blair credit card,and we are here to help answer your...
questions. I appreciate the opportunity to assist you withyour concerns.The complaint indicates Ms. [redacted] believes payment processing for a payment she sent tothe Bank was delayed, and as a result of that delay her account was assessed a late fee.Per the payment coupon portion of your monthly billing statements, payments must reach us by5 pm CT on your payment due date. Conforming payments received by this deadline areapplied to your account as of the date received. Please review the information under “Makingpayments” within Section “A. Getting Started” of your Credit Card Agreement (CCA) foradditional information regarding payment requirements. I have enclosed a copy of your CCA, aswell as copies of your 2015 billing statements, for your reference.As a result of a prior complaint filed through the Revdex.com of Central Ohio, weissued courtesy credits totaling $21.00 for late fees and finance charges previously assessed toyour account. These credits, in addition to recent payments received from you, left a creditbalance of -$41.97 on your account. A refund check of $41.97 was issued to you on October 1,2015. You should receive this refund check within 7-10 days from the date the check wasissued.I hope you have found this information to be helpful. If you have any questions or concerns,please feel free to contact me at ###-###-####.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. The only thing is that I need to update my address in order to receive the new gift card. I live at at the below address. Can you confirm you are sending here?[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the VICTORIA’S SECRET credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you made a payment to the...
account for $27.00 on the due date. You state the checking account number was invalid according to the online system. In addition, you state the online system should advise immediately if an account number is invalid. You request the late fee be removed from the account and that we update your credit report. I am happy to share my findings. Please be advised that our Account Center website has systemic rules in place to validate the routing number against the database prior to accepting the payment information. Bank records indicate that you switched financial institutions from U S Bank to Tennessee Valley Federal Credit Union when you scheduled your payment September 12, 2016, for $30.00, via the Account Center website you provided ABA routing # [redacted], and checking account ending in [redacted]. On September 15, 2016, this payment was noted in our system as an invalid bank account number and was returned. On September 24, 2016, you made a payment via phone with a collections representative you provided ABA routing # [redacted] and checking account ending in 6101. This payment was successfully processed. The last payment scheduled online on November 17, 2016, you provided ABA routing # [redacted], checking account ending in [redacted], this payment was returned on November 19, 2016, as invalid bank account number. Per your phone call placed to the Bank on November 23, 2016, a representative filed a dispute on your behalf to dispute the $25.00 returned payment fee. On December 1, 2016, the dispute was completed and closed. Although the $25.00 return fee was valid, as a courtesy the fee was credited. Please be assured no negative payment information reported to the credit bureaus, as a result of this matter. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
Dear Revdex.com,Comenity Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved. Thank you,
May I please request an extension on this complaint? I am still researching her concerns and we also received a billing dispute as well regarding the balance. Please advise if this extension has been granted. Thank you and have a great day!Laura R[redacted]Consumer Relations...
SpecialistConsumer Relations Group Alliance Data Retail Services[redacted]Office: ###-###-####Toll Free: ###-###-####, ext. [redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit card. We are here to answer your questions and assist with your concerns.Your complaint states that...
you ordered online in July 2016 from a third party. You cancelled the purchase by phone but you continued to receive the product and charges to your account. You contacted Comenity Bank stating the company was a scam, and you were advised that you needed to engage a third party to pursue the issue. You state that the third party claimed you did not cancel the order; however, you have a recorded phone call of the cancellation, but we would not accept the call as the confirmation. You are requesting a credit totaling $361.79, to refund the charges, and you want Comenity Bank to acknowledge that the company conducting the scam was acting fraudulently.We apologize for any frustration or inconvenience you experienced as a result of this matter.Bank records indicate that you sent two disputes previously with regard to this matter. We investigated your claims. A letter was mailed to you, dated December 15, 2016, which provided the outcome and resolution to your claim. An additional letter was mailed to you, dated January 26, 2017.I have enclosed both letters from Comenity Bank, along with the merchant response and related documents that validate the charges to your account.Comenity Bank is unwilling to issue a credit to your account for $361.79. For further questions related to the charges, we encourage you to contact the merchant directly.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Paul Suijk: We have received the complaint regarding the above-noted account. Comenity Bank issues Arhaus Furniture credit card accounts, and we respond to all account-related inquiries. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.I...
understand your concern regarding the finance charge that was assessed to your account. Our records indicate that on June 3, 2014, a purchase of $7,770.12 posted to your account and was placed on a 12 month deferred interest, 1% payment required plan that was sent to expire on June 3, 3015. In addition, on June 5, 2014, a purchase of $3,799.13 posted to your account and was placed on a 12 Month Deferred Interest, 1% Payment Required Plan, which was scheduled to expire on June 6, 2015. For purchases on these plans, the customer is required to make payments on the promotional plan balance that are less than the minimum monthly payment for their regular revolving balance (generally 1%). Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued fiancé charges, which were calculated from the dare of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s regular revolving balance. This information appeared on your monthly billing statements, under the heading, “Details of your plans”. I have enclosed your billing statements for your review. Upon further review, our records indicate that on May 8, 2015, a statement was issued to you showing a balance of $1,502.00, with a minimum payment of $53.00 due by May 1, 205. Please be advised that under the “details of your plan” section of your statement, it states that the balance of $7,023.12 needed to be paid in full by June 3, 2015, and the balance of $3,431.13 need to be paid in full by June 6, 2015, to avoid paying the accrued interest. As a result of the deferred balances not being paid in full by the plan end date, the accrued finance charge of $1,886.02 and $915.31 were assessed to your account. Comenity Bank has not found any errors with the account, however, on June 15, 2015, in the interest of customer services, a total credit of $900.00 for finance charges was issued to your account, and we are unwilling to remove any additional finance charges that were assessed to account, as they are valid charges. We 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,[redacted]Consumer Relations Specialist
Dear [redacted] We received a complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account related questions. The complaint was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. Please note this complaint included your name and the name of [redacted], which is the authorized user listed on your account. We confirmed that you authorized the Bank to speak with [redacted] regarding this account for the life of the account on May 10, 2016. The complaint indicates that the Bank called the “mother” on her phone and demanded payment, which she claimed was not owed. It also states that she and the Bank agreed this balance was an error and needed to be corrected. After sending a dispute letter and talking to a manager, the Bank was to remove the charge and that the $50.00 would be refunded within 10 days. Furthermore, the complaint states that the charge from 2014 was paid in full and that after a visit to the store in January 2015, the store indicated this matter would be taken care of. As the account balance remained unpaid, the account accrued bank fees and is past due. After multiple calls, a letter, and four emails, you have been told that the Bank has never heard from “us”, although the Bank responded to an email on October 6, 2015. You request the Bank remove all the charges, correct the credit reporting, refund the interest and $50.00 to the “mother”, compensation for harassment, disruption, lost time at work, and to cease further contact by letters, emails, and phone calls. Please be assured that we have researched our records and we are happy to share our findings. Enclosed are copies of the billing statements, which make up the balance and any delinquencies that have been reported to the credit bureaus. Bank records indicate that you charged $216.04 to the account on October 8, 2014. As payment was not received by the due date, the account was assessed a late fee and finance charge. On November 30, 2016, we received payment for $228.60. You charged $93.14 to the account on this day, leaving an unpaid balance of $121.62. As payment was not received the account was assessed a late fee and finance charge. On December 16, 2014, the last purchase of $40.12 was charged to the account, leaving an unpaid balance of $190.11. As payment was not received until October 7, 2015, for $50.00, the account was charged more late fees and finance charges, and was reported delinquent. 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. Additionally, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful. Per your request, a “cease and desist” status has been placed on your account. This cease and desist request will stop all future collection calls; however, you will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the address below: Comenity Bank PO Box 182273 Columbus, OH 43218-2273 In researching our records, we were not able to locate any previous correspondence from you (letter or emails), as indicated in your complaint. Furthermore, were not able to locate the October 6, 2015, applicable telephone call; however, our records confirm that the $50.00 payment was made under the name of [redacted]. As such, we have refunded this amount back to Barbara, which will be received under separate cover. Please understand that this amount will be debited back to the VICTORIA’S SECRET account balance, which has since written off for non-payment and is a valid debt. The Bank is unwilling to adjust the balance to zero, or to delete the delinquencies from the account. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, 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 past due, and it may contribute to their decision. The credit bureaus may be reached by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com In addition, the Bank respectfully declines your request for compensation. We apologize for any inconvenience this may have caused you. If you have further questions, please call our Recovery team at ###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you. Sincerely, Shawnda Y[redacted]
Dear [redacted],Comenity Capital Bank received the complaint for 11901378. We also received this consumer's CFPB complaint, in order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know...
if this extension is not approved. [redacted]Office: ###-###-####ref:_00D50JV5F._50050rP0JM:ref
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank issues Roaman’s credit card accounts. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that you made an order with Roaman’s in...
which you returnedthe merchandise. You contacted Roaman’s and confirmed that the items were returned within the30 day return period. Then you received a bill for $212.48 for postage. You are requesting to notbe contacted any further and to have this removed from your credit report.Please understand that Comenity Bank and Roaman’s are two separate entities. Comenity Bankis responsible for addressing questions related to your credit card account, while Roaman’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandise. If merchandise is returned within 90 days, Roaman’s willrefund the cost of the merchandise; however, shipping and handling charges are not refundable.Additionally, if you use the Customer Return Label (CRL), for your return, Roaman’s will chargeyour account for the cost of the label.After a review of your account; a purchase in the amount of $40.81 was applied to your accounton September 14, 2015. A return credit was applied to your account on October 09, 2015, in theamount of $32.22 which was less the shipping and handling fee. As the CRL was used, theamount of $7.50 was charged on October 09, 2015, as well.On October 22, 2015, a statement was issued which reflected the return credit and CRL charge.The new balance was $18.09, and a payment of $18.09 was due by November 17, 2015.Subsequent billing statements were issued each month; however, no payment was received.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.On February 08, 2016, you contacted the Bank and advised that you were receiving billing statements, but your order was returned. You further stated that you contacted Roaman’s and they confirmed the return was received and credited. Roaman’s also advised you they charged you for shipping and handling and the return label. The representative advised you of the balance and explained that no payment was received, which resulted in the account being assessed late fees. At this point you advised the representative that you wouldn’t be paying.As the account exceeded six consecutive billings past due, the account was closed, written-off by the Bank, and reported as an unpaid debt. The account was sold to Midland Credit Management. If you have any further questions about the debt, please contact them directly at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
I am demanding that all communication from Comenity Bank cease immediately.On Friday, January 20, 2017 my son returned a Comenity "message" on my phone instructingthe rep to have a letter sent to me indicating what they think I still owe. I also requested thisduring another call back to them. As of this date, nothing has been received. I doubt anything Isay is being entered in their computers.I've enclosed statements and emails from Comenity showing my payments. Theirconstant calls which tell me nothing are affecting my health; I will be 80 years old in June. I'veasked reps when they call "why are you still calling me?". One, [redacted], exclaimed "I don't know,you have no balance." This same answer was given to me by another rep on a different call.I owe nothing to Comenity. If Comenity feels otherwise, they have five days to provideevidence of any debt.Due to the harassing phone calls affecting my state of health, this letter is being copiedto those listed below.[redacted]
The fact that I called when I had not received my December 2017 statement should be taken into account. When I did call the credit card's customer service 800 number and I was told no "payment due at this time". Because of that, I waited to pay my bill. At the very least, Comenity Bank could offer to split the $27.00 late fee with me. But it seems this bank has very poor customer service which is why I decided to close my account.
Dear Ms. [redacted]We received your complaint from the Revdex.com, regarding your NEW YORK & Companycredit card account. Comenity Bank issues NEW YORK & Company credit card accounts, and we respondto all account-related questions. Your complaint was forwarded to my attention, and I...
appreciate theopportunity to assist you.We understand from your complaint that you had three late fees payments to the account. You requestedcredit for the late fess previously, and you were told we issued a $16.00 credit back in November 2015, andthat you have to wait 18 months to ask for another fee credit. You have carried the card for five years andnow can’t get help with having one late fee of $35.00 removed. Furthermore, you are now requesting weat least issue credit for the three late charges so that you can move forward with paying your bill in peace.We sincerely apologize for any frustration you may have experienced as a result of this matter.Please be assured we have reviewed the account, and we are happy to explain our findings below.Our records indicate that your payment due date occurs on the 10th of each month. Please understand,when payments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee and finance charge, as explained in the Credit CardAgreement (CCA). We have included a copy for your review and records.As the minimum payment for the months of March, April, and November 2015, were not received by therespective due date(s) on your NEW YORK & Company account; late fees were assessed to the account.Although there were no Bank errors, in the interest of customer service, we issued credit of $16.00 onNovember 30, 2015. We appreciate your loyalty in being a customer for several years. However, ourinvestigation indicates the late fees are valid. We are unwilling to issue credit for any additional late feesat this time. As of the date of this letter, the NEW YORK & Company credit card account has a balance in the amountof $864.50. The minimum amount due is $50.00 by May 10, 2016.We hope you find this information to be helpful. Should you have any further questions, please contact medirectly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Diamond L[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the VICTORIA’S SECRET credit card. We are here to answer your questions and assist with your concerns. We understand from your additional complaint that as of December 15, 2016, the online system indicates that the account is past due. Additionally, you received a letter stating that the account is suspended for three months, you request this be removed. I am happy to share my findings. Please be advised the systemic letter dated November 20, 2016, was sent after the second payment was returned within 90 days. This letter states that the account is suspended for further purchases, until payments are brought current and maintained with three consecutive on-time payments. On December 1, 2016, as a courtesy when the return fee was removed, so was this status. You may use the account for purchases at this time. Our records indicate that your payment due date is the 16th of each month. The account was showing past due on the Account Center website due to the payment made on November 16, 2016, was returned on November 18, 2016. There was no additional payment made for this billing cycle to rectify this matter. Additionally, the account did receive a payment on December 16, 2016, online of $30.00 and your retail payment of $17.00. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Pier 1 Rewards credit card. We are here to answer yourquestions and assist with your concerns.We received your correspondence, submitted to the Revdex.com, on behalf of...
LorraineJ. Fromm, regarding the merchandise return in January 2017. You stated that you have submittedproof of the return to the Bank. You continually receive statements and this is effecting the creditfile and the account has been sent to collection agency. You are requesting that the account iszeroed out due to this matter.Please be advised that as you are not the primary account holder for this account, the Bank isu nable to make adjustments to this account.In regard to the previous dispute regarding this returned merchandise, the Bank sent a letter directly to [redacted], the primary account holder regarding this matter.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Renee S[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement, which are also outlined in the Billing Rights Summary contained in the monthly billing statements. Specifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:? Account information: Your name and account number? Dollar amount: The dollar amount of the suspected error? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:? We cannot try to collect the amount in question, or report you as delinquent on that amount.? The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.? While you do not have to pay the amount in question, you are responsible for the remainder of the balance.? We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days after the first billing statement on which the disputed charge appeared and you have not yet fully paid for the purchase, the maximum amount eligible for a credit is the balance on the account at the time of the dispute. When we received your dispute, there was a balance of $1,094.68, which was the amount credited to your account July 9, 2015.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns.Your correspondence states that the account was assessed late fees for the...
months of May and June 2017. You contacted the Bank regarding the late fees and were advised they would be waived; however, they have not been. You are requesting that the late fees be waived as promised.I have reviewed the concerns noted in your correspondence and would like to provide you with the following information.We attempted to locate the applicable telephone conversations for the months noted above; however, we were unsuccessful.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 on April 17, 2017, a statement was issued indicating a balance of $335.51 with a minimum payment of $27.00 due by May 13, 2017. The Bank received a payment of $100.00 on May 16, 2017. As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Bank records further indicate that on May 18, 2017, a statement was issued indicating a balance of $275.30 with a minimum payment of $27.00 due by June 13, 2017. The Bank received a payment of $100.00 on June 14, 2017. As a result of the payment being credited after the due date, a late fee and finance charge were assessed to your account.Comenity Bank has not found any billing errors and we are unwilling to waive any fees as they are valid.To provide the best customer service possible, we offer multiple ways to make a payment. Choose 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 yourpayment in the store so it can be applied to your account on the same day. Check the back ofyour 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 8:00 p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date inthe future. Online payments submitted after 8:00 p.m. ET 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 billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible. Please 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 8:00 p.m. ET to speak to a customer care representative. Afee 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 helpful. If you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Christopher & Banks credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that you...
made a payment using your [redacted] account on April 13, 2017, on the Christopher & Banks website. On April 19, 2017, you noticed that the payment was returned, and you were assessed a return payment fee of $23.97. You state the Bank withdrew funds from a checking account that was on file, but had been closed. You are requesting to have the return payment fee of $23.97 refunded, as you did not pay for the items from the closed account. We apologize for the inconvenience you have experienced regarding this matter. Please be advised that the Bank will submit a payment for processing using the checking account selected when the payment is submitted online. The Bank does not have the ability to change the selection of the account. Your payment of $59.91, scheduled on April 13, 2017, was processed using the checking account selected on Account Center and was returned due to no bank account located. A returned payment fee of $23.97 was applied to your account, which was the balance on your account at the time of the payment being returned. Please be advised, that the Bank can only issue a refund for a return payment fee if there was a processing error on the behalf of the Bank. Therefore, we are unwilling to remove the return payment fee of $23.97. Your account reflects a credit balance of $10.00 for a return that was applied on April 24, 2017. We have requested a refund check for that amount and it should be received within fourteen days. Furthermore, the account was closed at your request on April 25, 2017. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
.We have received the inquiry that was sent to The Mayor’s Office of Consumer Affairs andLicensing on your behalf regarding the above-noted account. The correspondence wasforwarded to Comenity Capital Bank (Bank). Comenity Capital Bank issues the Blair credit card,and we are here to help answer your...
questions. I appreciate the opportunity to assist you withyour concerns.The complaint indicates Ms. [redacted] believes payment processing for a payment she sent tothe Bank was delayed, and as a result of that delay her account was assessed a late fee.Per the payment coupon portion of your monthly billing statements, payments must reach us by5 pm CT on your payment due date. Conforming payments received by this deadline areapplied to your account as of the date received. Please review the information under “Makingpayments” within Section “A. Getting Started” of your Credit Card Agreement (CCA) foradditional information regarding payment requirements. I have enclosed a copy of your CCA, aswell as copies of your 2015 billing statements, for your reference.As a result of a prior complaint filed through the Revdex.com of Central Ohio, weissued courtesy credits totaling $21.00 for late fees and finance charges previously assessed toyour account. These credits, in addition to recent payments received from you, left a creditbalance of -$41.97 on your account. A refund check of $41.97 was issued to you on October 1,2015. You should receive this refund check within 7-10 days from the date the check wasissued.I hope you have found this information to be helpful. If you have any questions or concerns,please feel free to contact me at ###-###-####.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. The only thing is that I need to update my address in order to receive the new gift card. I live at at the below address. Can you confirm you are sending here?[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the VICTORIA’S SECRET credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you made a payment to the...
account for $27.00 on the due date. You state the checking account number was invalid according to the online system. In addition, you state the online system should advise immediately if an account number is invalid. You request the late fee be removed from the account and that we update your credit report. I am happy to share my findings. Please be advised that our Account Center website has systemic rules in place to validate the routing number against the database prior to accepting the payment information. Bank records indicate that you switched financial institutions from U S Bank to Tennessee Valley Federal Credit Union when you scheduled your payment September 12, 2016, for $30.00, via the Account Center website you provided ABA routing # [redacted], and checking account ending in [redacted]. On September 15, 2016, this payment was noted in our system as an invalid bank account number and was returned. On September 24, 2016, you made a payment via phone with a collections representative you provided ABA routing # [redacted] and checking account ending in 6101. This payment was successfully processed. The last payment scheduled online on November 17, 2016, you provided ABA routing # [redacted], checking account ending in [redacted], this payment was returned on November 19, 2016, as invalid bank account number. Per your phone call placed to the Bank on November 23, 2016, a representative filed a dispute on your behalf to dispute the $25.00 returned payment fee. On December 1, 2016, the dispute was completed and closed. Although the $25.00 return fee was valid, as a courtesy the fee was credited. Please be assured no negative payment information reported to the credit bureaus, as a result of this matter. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely,
Dear Revdex.com,Comenity Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension. Please let me know if this extension is not approved. Thank you,
May I please request an extension on this complaint? I am still researching her concerns and we also received a billing dispute as well regarding the balance. Please advise if this extension has been granted. Thank you and have a great day!Laura R[redacted]Consumer Relations...
SpecialistConsumer Relations Group Alliance Data Retail Services[redacted]Office: ###-###-####Toll Free: ###-###-####, ext. [redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Sportsman’s Guide Buyer’s Club Advantage Rewards Visa credit card. We are here to answer your questions and assist with your concerns.Your complaint states that...
you ordered online in July 2016 from a third party. You cancelled the purchase by phone but you continued to receive the product and charges to your account. You contacted Comenity Bank stating the company was a scam, and you were advised that you needed to engage a third party to pursue the issue. You state that the third party claimed you did not cancel the order; however, you have a recorded phone call of the cancellation, but we would not accept the call as the confirmation. You are requesting a credit totaling $361.79, to refund the charges, and you want Comenity Bank to acknowledge that the company conducting the scam was acting fraudulently.We apologize for any frustration or inconvenience you experienced as a result of this matter.Bank records indicate that you sent two disputes previously with regard to this matter. We investigated your claims. A letter was mailed to you, dated December 15, 2016, which provided the outcome and resolution to your claim. An additional letter was mailed to you, dated January 26, 2017.I have enclosed both letters from Comenity Bank, along with the merchant response and related documents that validate the charges to your account.Comenity Bank is unwilling to issue a credit to your account for $361.79. For further questions related to the charges, we encourage you to contact the merchant directly.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Paul Suijk: We have received the complaint regarding the above-noted account. Comenity Bank issues Arhaus Furniture credit card accounts, and we respond to all account-related inquiries. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.I...
understand your concern regarding the finance charge that was assessed to your account. Our records indicate that on June 3, 2014, a purchase of $7,770.12 posted to your account and was placed on a 12 month deferred interest, 1% payment required plan that was sent to expire on June 3, 3015. In addition, on June 5, 2014, a purchase of $3,799.13 posted to your account and was placed on a 12 Month Deferred Interest, 1% Payment Required Plan, which was scheduled to expire on June 6, 2015. For purchases on these plans, the customer is required to make payments on the promotional plan balance that are less than the minimum monthly payment for their regular revolving balance (generally 1%). Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued fiancé charges, which were calculated from the dare of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s regular revolving balance. This information appeared on your monthly billing statements, under the heading, “Details of your plans”. I have enclosed your billing statements for your review. Upon further review, our records indicate that on May 8, 2015, a statement was issued to you showing a balance of $1,502.00, with a minimum payment of $53.00 due by May 1, 205. Please be advised that under the “details of your plan” section of your statement, it states that the balance of $7,023.12 needed to be paid in full by June 3, 2015, and the balance of $3,431.13 need to be paid in full by June 6, 2015, to avoid paying the accrued interest. As a result of the deferred balances not being paid in full by the plan end date, the accrued finance charge of $1,886.02 and $915.31 were assessed to your account. Comenity Bank has not found any errors with the account, however, on June 15, 2015, in the interest of customer services, a total credit of $900.00 for finance charges was issued to your account, and we are unwilling to remove any additional finance charges that were assessed to account, as they are valid charges. We 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,[redacted]Consumer Relations Specialist
Dear [redacted] We received a complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account related questions. The complaint was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. Please note this complaint included your name and the name of [redacted], which is the authorized user listed on your account. We confirmed that you authorized the Bank to speak with [redacted] regarding this account for the life of the account on May 10, 2016. The complaint indicates that the Bank called the “mother” on her phone and demanded payment, which she claimed was not owed. It also states that she and the Bank agreed this balance was an error and needed to be corrected. After sending a dispute letter and talking to a manager, the Bank was to remove the charge and that the $50.00 would be refunded within 10 days. Furthermore, the complaint states that the charge from 2014 was paid in full and that after a visit to the store in January 2015, the store indicated this matter would be taken care of. As the account balance remained unpaid, the account accrued bank fees and is past due. After multiple calls, a letter, and four emails, you have been told that the Bank has never heard from “us”, although the Bank responded to an email on October 6, 2015. You request the Bank remove all the charges, correct the credit reporting, refund the interest and $50.00 to the “mother”, compensation for harassment, disruption, lost time at work, and to cease further contact by letters, emails, and phone calls. Please be assured that we have researched our records and we are happy to share our findings. Enclosed are copies of the billing statements, which make up the balance and any delinquencies that have been reported to the credit bureaus. Bank records indicate that you charged $216.04 to the account on October 8, 2014. As payment was not received by the due date, the account was assessed a late fee and finance charge. On November 30, 2016, we received payment for $228.60. You charged $93.14 to the account on this day, leaving an unpaid balance of $121.62. As payment was not received the account was assessed a late fee and finance charge. On December 16, 2014, the last purchase of $40.12 was charged to the account, leaving an unpaid balance of $190.11. As payment was not received until October 7, 2015, for $50.00, the account was charged more late fees and finance charges, and was reported delinquent. 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. Additionally, when our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful. Per your request, a “cease and desist” status has been placed on your account. This cease and desist request will stop all future collection calls; however, you will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the address below: Comenity Bank PO Box 182273 Columbus, OH 43218-2273 In researching our records, we were not able to locate any previous correspondence from you (letter or emails), as indicated in your complaint. Furthermore, were not able to locate the October 6, 2015, applicable telephone call; however, our records confirm that the $50.00 payment was made under the name of [redacted]. As such, we have refunded this amount back to Barbara, which will be received under separate cover. Please understand that this amount will be debited back to the VICTORIA’S SECRET account balance, which has since written off for non-payment and is a valid debt. The Bank is unwilling to adjust the balance to zero, or to delete the delinquencies from the account. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, 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 past due, and it may contribute to their decision. The credit bureaus may be reached by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com In addition, the Bank respectfully declines your request for compensation. We apologize for any inconvenience this may have caused you. If you have further questions, please call our Recovery team at ###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you. Sincerely, Shawnda Y[redacted]