Deaf Mr. [redacted]Thank you for your additional complaint, addressed to the Revdex.com, regardingthe above-noted account. Comenity Bank issues Meijer credit card accounts and we respond toall account-related questions. Your complaint was forwarded to my attention, and I appreciatethis opportunity to assist you.Your complaint indicates you are rejecting my response because you have submitted two lettersfrom your Bank in September providing information regarding your payment. We apologize forany inconvenience or misunderstanding you may have experienced regarding this matter.The letter dated August 20, 2015, was included with my previous response because it detailsthe information we need in order to locate your missing payment. We appreciate the lettersfrom your bank; however, we are not able to research the payment with a copy of your bankstatement.Please be advised, in the interest of customer service, a credit in the amount of $781.65 hasbeen issued to your account, to remove the remaining balance. Please be assured we haveinstructed the national credit-reporting agencies to remove the delinquencies that were reportedfor September through December 2015, from your credit file. Please allow 45 days for thecredit-reporting agencies to update their information.We hope you find this informatttion to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Comentiy bank person did not tell me the correct amount to pay in full to close the account on May 15,2017. They knew I had another late fee that day but waited until next month that way they could charge another late fee because now I'm late by 2 days. If she would of told me 187.44 (which included a late fee) but since you are 2 days late we will charge another late fee today so you actually have to pay another late fee. Instead Comenity let me believe that I already paid everything in full and my account was closed. They waited another month before sending me what is now 2 late fee charges, what a bunch of crooks Comenity banks are. It's not the amount of money but the principle of all the lies Comenity bank is saying. I'm sick and tired of big businesses sitting behind their small prints and trying to rob customers, if they were honest and told me I have 2 late fees on May 15,2017 I would have paid them right away, instead they only told me about one late fee and I paid them. Then they wait for a month to pass and send me a bill for 2 late fees now. This is so wrong and Comenity tells Revdex.com that they care about their customers, please no more lies.
May 9, 2016 Odessa Jones 817 Cromwell Avenue Westchester, IL 60154-2505 RE: the roomplace® Credit Card Account Ending In 5896 Revdex.com Complaint ID #11399239 Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com,...
regarding the credit card account referenced above. Comenity Bank issues the roomplace® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you were advised that you would have sixty months to pay off the bill with no interest and there would only be a small monthly charge. However, when you got your first bill there were interest charges. We apologize for any inconvenience this matter may have caused you. Our records indicate that your purchase of $5,311.75 was charged to your account on January 11, 2016, and was placed on a 60 month low Annual Percentage Rate (APR) (10.99%) with equal payments, due to expire on January 16, 2021. Interest charges are assessed to your account at the lower APR, versus the standard APR of 28.99%. Based on the sales receipt provided by the roomplace, our records indicate that your purchase was placed on the correct plan. For your records, we have enclosed a copy of the sales receipt for you to view. We hope you find this information helpful. If 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]
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
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Meijer credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the credit...
limit and available credit on your account. You state you contacted the Bank on May 2, 2017, to see if you could have your credit limit increased. Although the representative you spoke with tried to increase your credit limit, she was unable to. You state she attempted to connect you with a supervisor; however, the call was disconnected. You called again, and requested to speak with a supervisor, and after being placed on hold, you were disconnected again. When you did speak with a supervisor, you were told that your limit was increased temporarily. You logged on to the Bank’s Account Center and after you tried to increase the credit limit, the page froze. When you viewed your account again, you saw that your available credit was $1,100.00. As you were unaware the available credit was incorrect, you thought your credit limit had been increased to $2,100.00. You are dissatisfied with the service you received when you spoke with supervisors at the Bank, and you are concerned that your account balance is over your credit limit, and may be reporting to the credit bureaus. You are requesting your credit limit be increased to $2,100.00. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. Matters of this nature are referred to management so additional coaching/training can be provided to our associates. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. When you contacted the Bank, on May 2, 2017, you advised your phone had been broken, you were stranded, and you requested to have the credit limit, or available credit increased, so you could purchase a new phone. Although your request for a credit limit increase was denied, a representative of the Bank adjusted your available credit temporarily to allow a purchase of a replacement phone to go through. When the temporary available credit was updated on the account, the representative intended for the amount to be $100.00, for one transaction; however, the amount was incorrectly entered as $1,100.00. Also on that same date, in an effort to assist you, the credit limit was increased to $1,200.00, as a courtesy, and the available credit was updated so that an additional purchase could be made. On May 9, 2017, you spoke with an additional representative of the Bank and as a result, credits totaling $180.52 were issued to the account, as a courtesy to bring your balance under your credit limit. As of today’s date, your credit limit is $1,200.00, and your account balance is $1,187.06. A letter was sent on May 3, 2017, in response to your request to have the credit limit increased. We have enclosed a copy of this letter for your review. The Bank’s position remains unchanged. 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, Laura R[redacted]
The customer service manager said that a credit inquiry would hit my credit report to prove that someone applied for an account. This was their way of proving to me that they were not running a scam and just trolling for personal data through this phony letter. I have been monitoring all three credit reports from the major agencies since and no such inquiry was made. I have since reported this company to the Connecticut Department of Consumer Protection, consumer fraud division. This company should be investigated.
Regards,
[redacted]
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 until 08/24/2017. Please let me know if this extension date is not...
.Dear [redacted]: 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. We understand from your...
correspondence that you spoke to one of our representatives who stated she would assist you with removing late fees from your account. You explain that you scheduled a payment for November 17th, and were advised to call back after then so the representative could see what she could do. However, when you called back, instead of removing a late fee, you were advised to schedule another payment. You are requesting that we remove a late fee, as previously promised. We apologize for any frustration this matter may have caused you. Bank records indicate your payment due date is the 12th of every month. The Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. Please be assured a late fee credit of $37.00 was applied to the account on November 29, 2017. 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 information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at [redacted]
[redacted]
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, Rosa M[redacted]
Comenity Bank, P.O. Box 182025, Columbus, Ohio 43218-2025 acting for Beall's - has finally agreed that I do not owe the bill of 359.99 they sent to me.Thank you for your persistent help.Gratefully[redacted]
I am sending the documentation to support my case I opened against the Comenity Bank. Please note I purchased my furniture on 01/17/16, but it shipped at 2 different times. I was charged out for the 2 large pieces 2 months before I received them. The smaller item was not charged out until it was shipped meaning the 12 month interest free did not start until February 2016.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Jared The Galleria Of Jewelry credit card. We are here toanswer your questions and assist with your concerns.Your correspondence indicates your concern about the finance charges that...
were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The September 22, 2017, purchase for $5,879.80 that was applied to your credit card wasoriginally placed on a 48 Month Low APR (9.90%) Equal Payment Required promotional plan.However, when your return was processed, the new purchase was not placed on the correctpromotional plan. Please be assured that this purchase has now been placed on the correct 48Month Low APR (9.90%) Equal Payment Required promotional plan The details of yourpromotional plan, including the expiration date, will be present on each billing statement. If youhave any questions about this promotional plan please call our Customer Care Team at [redacted]
[redacted]Please be advised that we waived $131.02 in finance charges.If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]
Dear [redacted]: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you returned a pair of Booties in the amount of $72.66 and your Avenue account was not credited for the return. Additionally, you also state that you disputed this amount with Comenity Bank and were advised that you were responsible for the payment of the Booties because they were damaged when returned. You are requesting that your Avenue account be credited $72.66 for the returned merchandise, and that late fees be removed due to your belief that the Booties were not damaged. Our records indicate that the situation referenced in your complaint has already been investigated, and we have previously responded to you. A copy of our previous response, dated April 30, 2015, is enclosed for your reference. Please understand that Comenity Bank and Avenue are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while Avenue is responsible for handling matters related to sales, merchandise processing, returns, and shipping. As of the date of this letter, the balance on the Avenue account is $83.59 with a minimum payment of $10.00 due on June 17, 2015. As your account was issued $65.00 in late fee credits on April 30, 2015, please understand that we are unwilling to credit your account any additional late fees at this time. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience you have been caused. If you have any further questions regarding your account, please contact me 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. Comenity Bank issues the EXPRESS NEXT credit card accounts. We are here to answer your questions and assist with your concerns.We previously received and responded to correspondence submitted to the Revdex.com regarding this same matter. Please find the enclosed copy of our response sent to you on June 7, 2017.Please be advised the Bank’s decision remains unchanged.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 Responses
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced application. Comenity Capital Bank issues the My Smile Care credit account. We are here to answer your questions and assist with your concerns. You state on May 10, 2017, when you applied for a My Smile Care credit account through your dentist, the Bank prejudicially processed, reviewed and accessed your [redacted] credit bureau report. You state the Bank viewed identity theft/fraud reports that did not belong to you, and were deleted by [redacted] as of May 30, 2017. You further state, instead of contacting you to verify your identity and that you applied for the account, the Bank viewed your credit bureau report and wrongfully turned down your application. You are requesting the Bank reconsider and approve your application. We sincerely apologize for any frustration or inconvenience this matter may have caused you. When a customer applies for a My Smile Care credit account, a credit bureau report is reviewed. When a fraud alert is listed on a customer’s credit bureau report, the Bank is required to contact the applicant before granting credit, or opening an account. However, when the Bank is not willing to extend a line of credit to a customer, based on information in the customer’s credit report, we are not obligated to verify the request. Please be assured, Comenity Capital Bank does not take into consideration any prohibited statuses when processing an application for credit. On May 18, 2017, an application was submitted for a My Smile Care credit account. The Bank evaluates credit requests using a scoring system that places numerical values on information in your credit report. Unfortunately, your information did not score a sufficient number of points for approval of your request for a credit account. The primary factors that determined your score were indicated in our original letter to you. We have enclosed a copy of our response dated May 19, 2017, for your review. We understand from your correspondence that you have contacted [redacted] and they have made corrections to your credit bureau report. If you are interested in having a My Smile Care credit account, you are welcome to reapply. 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, Laura R[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues Ideal Image credit card accounts, andwe are here to assist you with all account-related questions. I appreciate the opportunity torespond...
to your concerns.We understand from your inquiry that you signed up for Cool Sculpting after you were advisedthat it was the last day to receive 25% off. After further research you found out that the 25%discount was continuous, and that there are possible issues with the procedure.You are requesting that we credit the Ideal Image credit card account the full amount charged,as you do not wish to have the procedure.Please understand that Comenity Capital Bank and Ideal Image are two separate entities. TheBank is responsible for addressing questions related to the credit card account, while IdealImage is responsible for handling matters related to sales, merchandise processing, and returns.To cancel the Cool Sculpting procedure, and receive a credit to your account, you would need tocontact the location directly. Please find the location information below:ldeal Image [redacted] We hope you find this information to be helpful. Should you have any further questions; pleasecontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happyto assist you.Sincerely,Diamond L[redacted]
I recieved your letter of March 1, saying you hadn't heard from me about the end of my dispute with Comenity Bank. But I did write to you, almost 2 weeks ago, to tell you the good news - that Comenity agreed to drop ALL late fee charges against me, and only asked for payment on the items I originally purchased. Enclosed is the latest mailing I have recieved form them which will confirm this to you.When I wrote to let you know this whole matter had finally - after 4 months been settled - I wrote in big letters - "TA DA"!! (maybe for some reason, my letter never got to you, yourself?)ANyway - tahnks - many thanks! - again, for helping me with my complaint against Comenity Bank. I will always appreciate it.Sincerely, [redacted]
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to assist...
you. We understand from your complaint that you state you did not receive any bills indicating the Buckle account went past due. You also state the Bank charged off the account without calling you or sending any past due notices. Once you viewed your credit report you paid the balance. Additionally, you feel the Bank did not help you, and you feel you are entitled to calls and notices before the account was charged off. At this time you request the charge off status be removed from your credit report. I am happy to share my findings. We apologize if you felt that you did not receive the best customer service. 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. Bank records indicate the Buckle account was opened on December 24, 2011. The account was enrolled in paperless statements on January 3, 2012, therefore the statements would be sent via email. Once payments are missed a paper statement is issued to the address on file. Once the account became past due the phone number provided on the application was contacted to make you aware the account was past due. Due to non-receipt of payment, the account was closed, and written off on December 6, 2014, with a balance of $424.38, and reported to the credit- reporting agencies as an unpaid debt. Please be advised there is no indication on the Buckle account that you did not receive statements. On February 17, 2016, a payment of $424.38 was received and posted to the Buckle account. This was payment in full. The account is reporting accurately to the national credit reporting agencies as a charge off, paid in full. Please understand that Comenity Bank is required to report factual information to the national credit-reporting agencies. We reviewed the information reporting on your credit file in regard the Buckle account, and we have found the payment history to be accurately reporting, as such, no changes will be made to the reporting of the account. We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. 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: We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely,Kaija M[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: [redacted]
I am rejecting this response because: The property was sold in January of 2014 as indicated by the DH Bader Management Staff on the previously provided documents. The Recreation fees were refunded by DH Bader Management from February 2014 - December 2014 (11 months) as noted on the documents provided by DH Bader Management therefore 11 months of the Association fee of $222.00 at $18.50 per month totaling $203.50 is an appropriate refund.
Regards,
[redacted]
Dear [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept...
our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.Afler reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]
Deaf Mr. [redacted]Thank you for your additional complaint, addressed to the Revdex.com, regardingthe above-noted account. Comenity Bank issues Meijer credit card accounts and we respond toall account-related questions. Your complaint was forwarded to my attention, and I appreciatethis opportunity to assist you.Your complaint indicates you are rejecting my response because you have submitted two lettersfrom your Bank in September providing information regarding your payment. We apologize forany inconvenience or misunderstanding you may have experienced regarding this matter.The letter dated August 20, 2015, was included with my previous response because it detailsthe information we need in order to locate your missing payment. We appreciate the lettersfrom your bank; however, we are not able to research the payment with a copy of your bankstatement.Please be advised, in the interest of customer service, a credit in the amount of $781.65 hasbeen issued to your account, to remove the remaining balance. Please be assured we haveinstructed the national credit-reporting agencies to remove the delinquencies that were reportedfor September through December 2015, from your credit file. Please allow 45 days for thecredit-reporting agencies to update their information.We hope you find this informatttion to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Consumer called Revdex.com stating the matter is resolved, everything is ok.
Comentiy bank person did not tell me the correct amount to pay in full to close the account on May 15,2017. They knew I had another late fee that day but waited until next month that way they could charge another late fee because now I'm late by 2 days. If she would of told me 187.44 (which included a late fee) but since you are 2 days late we will charge another late fee today so you actually have to pay another late fee. Instead Comenity let me believe that I already paid everything in full and my account was closed. They waited another month before sending me what is now 2 late fee charges, what a bunch of crooks Comenity banks are. It's not the amount of money but the principle of all the lies Comenity bank is saying. I'm sick and tired of big businesses sitting behind their small prints and trying to rob customers, if they were honest and told me I have 2 late fees on May 15,2017 I would have paid them right away, instead they only told me about one late fee and I paid them. Then they wait for a month to pass and send me a bill for 2 late fees now. This is so wrong and Comenity tells Revdex.com that they care about their customers, please no more lies.
May 9, 2016 Odessa Jones 817 Cromwell Avenue Westchester, IL 60154-2505 RE: the roomplace® Credit Card Account Ending In 5896 Revdex.com Complaint ID #11399239 Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com,...
regarding the credit card account referenced above. Comenity Bank issues the roomplace® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you were advised that you would have sixty months to pay off the bill with no interest and there would only be a small monthly charge. However, when you got your first bill there were interest charges. We apologize for any inconvenience this matter may have caused you. Our records indicate that your purchase of $5,311.75 was charged to your account on January 11, 2016, and was placed on a 60 month low Annual Percentage Rate (APR) (10.99%) with equal payments, due to expire on January 16, 2021. Interest charges are assessed to your account at the lower APR, versus the standard APR of 28.99%. Based on the sales receipt provided by the roomplace, our records indicate that your purchase was placed on the correct plan. For your records, we have enclosed a copy of the sales receipt for you to view. We hope you find this information helpful. If 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]
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
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Meijer credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the credit...
limit and available credit on your account. You state you contacted the Bank on May 2, 2017, to see if you could have your credit limit increased. Although the representative you spoke with tried to increase your credit limit, she was unable to. You state she attempted to connect you with a supervisor; however, the call was disconnected. You called again, and requested to speak with a supervisor, and after being placed on hold, you were disconnected again. When you did speak with a supervisor, you were told that your limit was increased temporarily. You logged on to the Bank’s Account Center and after you tried to increase the credit limit, the page froze. When you viewed your account again, you saw that your available credit was $1,100.00. As you were unaware the available credit was incorrect, you thought your credit limit had been increased to $2,100.00. You are dissatisfied with the service you received when you spoke with supervisors at the Bank, and you are concerned that your account balance is over your credit limit, and may be reporting to the credit bureaus. You are requesting your credit limit be increased to $2,100.00. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. Matters of this nature are referred to management so additional coaching/training can be provided to our associates. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. When you contacted the Bank, on May 2, 2017, you advised your phone had been broken, you were stranded, and you requested to have the credit limit, or available credit increased, so you could purchase a new phone. Although your request for a credit limit increase was denied, a representative of the Bank adjusted your available credit temporarily to allow a purchase of a replacement phone to go through. When the temporary available credit was updated on the account, the representative intended for the amount to be $100.00, for one transaction; however, the amount was incorrectly entered as $1,100.00. Also on that same date, in an effort to assist you, the credit limit was increased to $1,200.00, as a courtesy, and the available credit was updated so that an additional purchase could be made. On May 9, 2017, you spoke with an additional representative of the Bank and as a result, credits totaling $180.52 were issued to the account, as a courtesy to bring your balance under your credit limit. As of today’s date, your credit limit is $1,200.00, and your account balance is $1,187.06. A letter was sent on May 3, 2017, in response to your request to have the credit limit increased. We have enclosed a copy of this letter for your review. The Bank’s position remains unchanged. 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, Laura R[redacted]
The customer service manager said that a credit inquiry would hit my credit report to prove that someone applied for an account. This was their way of proving to me that they were not running a scam and just trolling for personal data through this phony letter. I have been monitoring all three credit reports from the major agencies since and no such inquiry was made. I have since reported this company to the Connecticut Department of Consumer Protection, consumer fraud division. This company should be investigated.
Regards,
[redacted]
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 until 08/24/2017. Please let me know if this extension date is not...
approved. Thank you,
.Dear [redacted]: 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. We understand from your...
correspondence that you spoke to one of our representatives who stated she would assist you with removing late fees from your account. You explain that you scheduled a payment for November 17th, and were advised to call back after then so the representative could see what she could do. However, when you called back, instead of removing a late fee, you were advised to schedule another payment. You are requesting that we remove a late fee, as previously promised. We apologize for any frustration this matter may have caused you. Bank records indicate your payment due date is the 12th of every month. The Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. Please be assured a late fee credit of $37.00 was applied to the account on November 29, 2017. 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 information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at [redacted]
[redacted]
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, Rosa M[redacted]
Comenity Bank, P.O. Box 182025, Columbus, Ohio 43218-2025 acting for Beall's - has finally agreed that I do not owe the bill of 359.99 they sent to me.Thank you for your persistent help.Gratefully[redacted]
I am sending the documentation to support my case I opened against the Comenity Bank. Please note I purchased my furniture on 01/17/16, but it shipped at 2 different times. I was charged out for the 2 large pieces 2 months before I received them. The smaller item was not charged out until it was shipped meaning the 12 month interest free did not start until February 2016.
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Jared The Galleria Of Jewelry credit card. We are here toanswer your questions and assist with your concerns.Your correspondence indicates your concern about the finance charges that...
were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The September 22, 2017, purchase for $5,879.80 that was applied to your credit card wasoriginally placed on a 48 Month Low APR (9.90%) Equal Payment Required promotional plan.However, when your return was processed, the new purchase was not placed on the correctpromotional plan. Please be assured that this purchase has now been placed on the correct 48Month Low APR (9.90%) Equal Payment Required promotional plan The details of yourpromotional plan, including the expiration date, will be present on each billing statement. If youhave any questions about this promotional plan please call our Customer Care Team at [redacted]
[redacted]Please be advised that we waived $131.02 in finance charges.If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]
Dear [redacted]: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you returned a pair of Booties in the amount of $72.66 and your Avenue account was not credited for the return. Additionally, you also state that you disputed this amount with Comenity Bank and were advised that you were responsible for the payment of the Booties because they were damaged when returned. You are requesting that your Avenue account be credited $72.66 for the returned merchandise, and that late fees be removed due to your belief that the Booties were not damaged. Our records indicate that the situation referenced in your complaint has already been investigated, and we have previously responded to you. A copy of our previous response, dated April 30, 2015, is enclosed for your reference. Please understand that Comenity Bank and Avenue are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while Avenue is responsible for handling matters related to sales, merchandise processing, returns, and shipping. As of the date of this letter, the balance on the Avenue account is $83.59 with a minimum payment of $10.00 due on June 17, 2015. As your account was issued $65.00 in late fee credits on April 30, 2015, please understand that we are unwilling to credit your account any additional late fees at this time. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience you have been caused. If you have any further questions regarding your account, please contact me 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. Comenity Bank issues the EXPRESS NEXT credit card accounts. We are here to answer your questions and assist with your concerns.We previously received and responded to correspondence submitted to the Revdex.com regarding this same matter. Please find the enclosed copy of our response sent to you on June 7, 2017.Please be advised the Bank’s decision remains unchanged.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 Responses
...
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced application. Comenity Capital Bank issues the My Smile Care credit account. We are here to answer your questions and assist with your concerns. You state on May 10, 2017, when you applied for a My Smile Care credit account through your dentist, the Bank prejudicially processed, reviewed and accessed your [redacted] credit bureau report. You state the Bank viewed identity theft/fraud reports that did not belong to you, and were deleted by [redacted] as of May 30, 2017. You further state, instead of contacting you to verify your identity and that you applied for the account, the Bank viewed your credit bureau report and wrongfully turned down your application. You are requesting the Bank reconsider and approve your application. We sincerely apologize for any frustration or inconvenience this matter may have caused you. When a customer applies for a My Smile Care credit account, a credit bureau report is reviewed. When a fraud alert is listed on a customer’s credit bureau report, the Bank is required to contact the applicant before granting credit, or opening an account. However, when the Bank is not willing to extend a line of credit to a customer, based on information in the customer’s credit report, we are not obligated to verify the request. Please be assured, Comenity Capital Bank does not take into consideration any prohibited statuses when processing an application for credit. On May 18, 2017, an application was submitted for a My Smile Care credit account. The Bank evaluates credit requests using a scoring system that places numerical values on information in your credit report. Unfortunately, your information did not score a sufficient number of points for approval of your request for a credit account. The primary factors that determined your score were indicated in our original letter to you. We have enclosed a copy of our response dated May 19, 2017, for your review. We understand from your correspondence that you have contacted [redacted] and they have made corrections to your credit bureau report. If you are interested in having a My Smile Care credit account, you are welcome to reapply. 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, Laura R[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues Ideal Image credit card accounts, andwe are here to assist you with all account-related questions. I appreciate the opportunity torespond...
to your concerns.We understand from your inquiry that you signed up for Cool Sculpting after you were advisedthat it was the last day to receive 25% off. After further research you found out that the 25%discount was continuous, and that there are possible issues with the procedure.You are requesting that we credit the Ideal Image credit card account the full amount charged,as you do not wish to have the procedure.Please understand that Comenity Capital Bank and Ideal Image are two separate entities. TheBank is responsible for addressing questions related to the credit card account, while IdealImage is responsible for handling matters related to sales, merchandise processing, and returns.To cancel the Cool Sculpting procedure, and receive a credit to your account, you would need tocontact the location directly. Please find the location information below:ldeal Image [redacted] We hope you find this information to be helpful. Should you have any further questions; pleasecontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happyto assist you.Sincerely,Diamond L[redacted]
I recieved your letter of March 1, saying you hadn't heard from me about the end of my dispute with Comenity Bank. But I did write to you, almost 2 weeks ago, to tell you the good news - that Comenity agreed to drop ALL late fee charges against me, and only asked for payment on the items I originally purchased. Enclosed is the latest mailing I have recieved form them which will confirm this to you.When I wrote to let you know this whole matter had finally - after 4 months been settled - I wrote in big letters - "TA DA"!! (maybe for some reason, my letter never got to you, yourself?)ANyway - tahnks - many thanks! - again, for helping me with my complaint against Comenity Bank. I will always appreciate it.Sincerely, [redacted]
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Buckle credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to assist...
you. We understand from your complaint that you state you did not receive any bills indicating the Buckle account went past due. You also state the Bank charged off the account without calling you or sending any past due notices. Once you viewed your credit report you paid the balance. Additionally, you feel the Bank did not help you, and you feel you are entitled to calls and notices before the account was charged off. At this time you request the charge off status be removed from your credit report. I am happy to share my findings. We apologize if you felt that you did not receive the best customer service. 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. Bank records indicate the Buckle account was opened on December 24, 2011. The account was enrolled in paperless statements on January 3, 2012, therefore the statements would be sent via email. Once payments are missed a paper statement is issued to the address on file. Once the account became past due the phone number provided on the application was contacted to make you aware the account was past due. Due to non-receipt of payment, the account was closed, and written off on December 6, 2014, with a balance of $424.38, and reported to the credit- reporting agencies as an unpaid debt. Please be advised there is no indication on the Buckle account that you did not receive statements. On February 17, 2016, a payment of $424.38 was received and posted to the Buckle account. This was payment in full. The account is reporting accurately to the national credit reporting agencies as a charge off, paid in full. Please understand that Comenity Bank is required to report factual information to the national credit-reporting agencies. We reviewed the information reporting on your credit file in regard the Buckle account, and we have found the payment history to be accurately reporting, as such, no changes will be made to the reporting of the account. We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. 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: We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely,Kaija M[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: [redacted]
I am rejecting this response because: The property was sold in January of 2014 as indicated by the DH Bader Management Staff on the previously provided documents. The Recreation fees were refunded by DH Bader Management from February 2014 - December 2014 (11 months) as noted on the documents provided by DH Bader Management therefore 11 months of the Association fee of $222.00 at $18.50 per month totaling $203.50 is an appropriate refund.
Regards,
[redacted]
Dear [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept...
our deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.Afler reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]