Dear [redacted] We received the additional complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues J. Crew credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns. Thank you for taking the time to speak with me on September 9, 2016. As discussed, on August 18, 2016, we sent notification to the national credit-reporting agencies with instructions to report the J. Crew account as “Paid Charge-Off”. Please allow the national credit-reporting agencies up to 45-days to update their records. I sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account reference above. Comenity Bank issues woman Within credit card accounts, and we are here to assist you with all account-related questions or concerns. I appreciate the opportunity to respond...
to your concerns. We understand from your complaint that you are being charged $2.00 “monthly Minimum” fees to your account, which you believe has a zero balance. You state you paid your account balance of $72.73 to have the telephone calls stopped, and to protect your credit. You believe you are being charged late fees against the bank fees. You would like the full amount refunded and the negative credit reporting reversed. Please be advised, your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.00 per credit plan, which is the minimum charge you are referencing in your complaint. Your payment due date is on the 17th of each month. 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 CCA, which is included for your records. Bank records indicate, a billing statement was sent to you on March 22, 2015, reflecting a balance of $180.25 and a payment of $29.94 due by April 17, 2015. As no payments were received by the due date, a late fee and finance charge were assessed to the account, pursuant to the guidelines of the Credit Card Agreement. We received you payment of $50.00 on March 29, 2015. Additionally, a billing statement was sent to you on August 22, 2015, reflecting a balance of $101.91 and a payment of $30.00 due by September 17, 2015. As no payments were received by the due date, a late fee and a finance charge were assessed to the account pursuant to the guidelines of the Credit Card Agreement. We received your payment of $35.00 on August 23, 2015. Lastly, a billing statement was sent to you on December 22, 2015, reflecting a balance of $14.91 and a payment of $14.91 due by January 17, 2016. As no payments were received by the due date, late fees and finances charges were as to the account, pursuant to the guidelines of the Credit Card Agreement. We received your payment of $72.73 on April 13, 2016. When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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, Comenity Bank may call you until our attempt to communicate is successful. We have updated the telephone numbers, so that you no longer receive telephone calls, regarding the Woman Within account, from the Bank. All calls should have ceased by this time. The Bank has made the decision to no longer hold you responsible to pay the above-referenced previous account balance. Please be assured, credits have been issued totaling $72.73. These credits have posted and you now have a credit balance you $72.72. A refund check for this credit balance has been request and should be received under separate cover, in 14 days. We understand the concerns regarding your credit bureau file, and we are happy to explain our position. Comenity Bank is required to report factual information to the national credit-reporting agencies. We have reviewed your account and we find that the information reported is correct; as such, we are unwilling to remove any delinquencies. 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: Experian (TRW) P.O. Box 2002 701 Experian Parkway Allen TX 75013-3742 8###-###-#### http://www.experian.com Trans Union (TRU) P.O. Box 390 Springfield, PA 19064-0390 ###-###-#### http://www.transunion.com Equifax (CBI) P.O. Box 740241 Atlanta, GA 30374-0241 ###-###-#### http://www.equifax.com I hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues gordmans 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 made a purchase at the gordmans store in [redacted] and while at the register you were offered a 30% discount if you applied for a credit card and you accepted this offered to open a gordmans account. You also state that you already had your debit card in the machine and were advised by the store associate that all the information would be read from your debit card to complete the application. Additionally, you indicate that you received a statement and you threw the statement away due to thinking that you paid for the purchases on your debit card. Later you received another statement with fees assessed to the account. You are requesting that the finance charges be removed from the account, and you will make the payment, and close your account. I am happy to share my findings with you. After a thorough review of the account, our records indicate that a gordmans account was opened on December 6, 2015, in the name of [redacted]. At that time a purchase of $197.49 was placed on the credit card. On December 9, 2015, a statement was issued to you with a balance of $197.49 with a minimum payment of $25.00 due on January 4, 2016. As no payment was received by the due date a late fee and finance charge were assessed to the account. On January 9, 2016, a statement was issued to you with a balance of $226.83 with a minimum payment of $36.00 due on February 4, 2016. As no payment was received by the due date another late fee and finance charge were assessed to the account. As statements continued to be issued for the months of February 2016 through April 2016 and no payment has been received; additional late fees and finance charges were assessed to the account. 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 (CCA). Enclosed are the statements referenced above and a copy of the CCA for your records. As of the date of this letter, the balance on the account is $348.83, and the account reflects four billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit reporting agencies as an unpaid debt. As the Bank finds these fees valid, we are unwilling to remove any fees from the gordmans account. We encourage you to contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####), to discuss suitable payment arrangements. On April 20, 2016, the account was closed per your request. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact our Payment Solutions team at the telephone number provided. They will be happy to assist you. Sincerely, Renee S[redacted]
Hello,Thank you for your inquiry. Your reference number is [redacted].We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-3 business days to resolve the issue.Please reply to this email with any additional...
questions related to your inquiry.Sincerely,Consumer Support Group
We WILL NOT accept The RoomPlace measley $295 credit we have no desire to EVER shop at The RoomPlace AGAIN! If we were not being truthful about what the salesman Lewis K[redacted] and Store Manager told us at the time of purchase we would have never purchased the much furniture at one time, never! If we were being untruthful about what we were told about the Manager eating the cost if the furniture as we were told, we would have used the credit rthat was reapplied to our account twice. We want nothing from The RoomPlace but to be treated fairly and honestly. We have never missed a payment and yes the furniture was delivered under the understanding that there would no charge to us, we did purchase furniture agreed upon, but NOT the bedroom set! If a decision is not reached in our favor as promised by The RoomPlace, we will not make another credit payment to the account, hire an attorney and contact other protection consumers agencies that will be able to help us, by calling us to care to discuss the major issue with us over the phone or through Revdex.com. We are reachable at any time. This case will not be thrown under a rug and forgotten about. The RoomPlace will not get away with sneakily scanning people and getting away it. This case is in the making of being televised once a decision is made until then there will be no more payments made to Commenity Bank for The RoomPlace. W We know they are separate entities. What would you do if someone lied to you to get your signature and scam you at the same time? We get sicken to our stomachs every time we see a scam RoomPlace commercial, I it makes me want to throw up of disgust reminds me of how they beat us so badly out of $3,000 without our knowledge. Every dog has it's day, The RoomPlace, and this will not happen to another older customer again, we will make sure of that. See you guys in Court! What a shame that this store think they are going to get away with fraudulently signing a contract I never agreed to pay. Time to see our Attorney. Tired of waiting on someone to truly investigate and care. You are all scam artists and professional liars!
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Total Rewards [redacted] Signature credit card. We are here to answer your questions and assist with your concerns. We understand that while...
visiting [redacted] in February 2017 you applied for a Total Rewards [redacted] Signature credit card. To activate the credit card you had to make a purchase so you purchased a bottle of water for $9.62. The billing statements were sent to an old address, and you never received them which resulted in the account being assessed late fees and finance charges. When speaking to customer service the representative would only credit one late fee. While on the line with the representative you made a payment to pay the account in full. You then received a billing statement which reflected another late fee, and when you contacted the Bank again the representative refused to remove the additional fee. You are requesting to have all of the late fees and finance charges refunded. As a courtesy, we have applied a credit of $23.37 to the account for the associated finance charges and late fees. On May 9, 2017, $6.87 was previously removed with regard to this situation. Once the additional credits post to the account, there will be a refund owed to you in the amount of $23.37. You will receive this refund in the next 14 business days via mail. 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, [redacted] Compliance Dept. – Consumer Responses
Dear [redacted]:
We have
received the inquiry you sent to the Revdex.com regarding the
above-noted account. Your correspondence
was forwarded to
Comenity Bank.
Comenity Bank issues the Bergner’s credit card,
and we are here to help answer your...
questions. I appreciate the opportunity to assist you
with your concerns.
We understand from
your complaint to the Revdex.com that your Equifax report is
showing the account being delinquent for 24 months after paying your account
off in February 2014. We do apologize
for the inconvenience you may have experienced.
After researching our
records, we had found the payment history reported incorrectly. Please be assured, notification had been sent
to the national credit-reporting agencies with instructions to remove the
reported delinquency after February 2014, with regard to your Bergner’s
account. Please allow the
credit-reporting agencies 45 days to update their records.
Further records show
your account received payment of $243.00 on February 17, 2014. On February 19, 2014, we had notified the
credit-reporting agencies that your account was a charge off and settled in
full for less than the balance owed.
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,
Jack C[redacted]
Dear Comenity Bank, I did not ever tell any rep from your company I was stranded, I did tell mr Guy the supervisor, that my phone was broken because a 3-year-old sat on it and broke it, and when guy gave me the temporary increase, he told me to use it with in 24 hrs., I told him I lived right across the street and I was going right over to my Meijer’s store. I suggest you please get this story straight. And review the phone recordings. And as far as good customer service goes, if you took the time to view all of the telephone recordings that happened after each time my credit card was declined from the first temporary Mr. Guy did, and I called in to your customer service , and was told that I have available credit of 850 after the purchase of $206.00, and a few customer service reps told me there was no reason my card should be declined because I have the available credit, and I made several trips back to the store because your customer service people don’t know there job and this includes two supervisors. What makes no sense is that Guy the supervisor made a 1000-dollar mistake on a customer’s credit line, and after this mistake was made a few customer service reps told me after a few declines that I have the available credit so I went back to the store, it must be our system, and the supervisor Named Jenifer told me that Guy broke your policy and was not supposed to even do any kind of increase to the Meijer card, she said the increases are only for clothing cards, than Walter came into this and told me that Jenifer was wrong that guy was right in increasing it, so I told him Jenifer does not know your policy and she is a another supervisor. Yes, Comenity Bank did adjust over $180.52 in finance charges, that in its self should tell the bank what this customer has been through. What also makes no sense is that on 05/19/2017 I called in and spoke to a regulation specialist and needed to use my card because there was a death in the family and I need to buy some clothing, and after speaking to the regulation specialist she went to a supervisor, and a third temporary increase was done to the account of $200.00 so I could make my purchase, all of these temporary increases so I can shop, but no one putting my credit line ware I was led to believe it was, and was told over and over again by customer service I have the available credit . in closing I would like this complaint and all copies sent to John M[redacted], and John S[redacted], because I want them booth to see just how Laura R[redacted], is treating their customers with her thought process. This is not right to do to a customer and a good card holder. I would like my credit line to be the 2100 like I was led to believe, instead of all these temporary increases that have been made because of all the mistakes that wear made with my account. This is so wrong Laura on every business and card holder level to do to me. I feel very misled and violated because of all the bank employee’s mistakes, and trust me there was so many, too many Laura. If the credit line is adjusted to the 2100 I will continue to shop pay my bill and be a good customer and card holder, if it’s not I will be following up with a consumer protection bureau complaint so that this gets in the hands of John M[redacted] and john s[redacted] Thank you …[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Ashley Stewart® credit card accounts, and we respond to all 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 opened the above-referenced account last year, and you were making payments on your account until you were unable to work. You are receiving collection calls from the Bank and you are requesting the calls to stop. We sincerely apologize for any inconvenience or frustration that this matter may have caused. Our records indicate that the above-referenced account was opened on September 10, 2014, in the name of [redacted] The last purchase made on the account was for $100.92 on October 7, 2014. The last payment made on the account was for $35.00 and posted to the account on December 30, 2014. On August 2, 2015, due to non-receipt of payment, the account was permanently closed and written off as an unpaid debt with a balance of $533.33. Please be assured Comenity Bank has updated the Ashley Stewart® account to ensure that you do not receive telephone calls at the telephone numbers ending in [redacted] and 0606. However, the Bank may contact you by mail or service of court filing which would be in compliance with state and federal law. If you have any questions regarding the account, or if you would like to discuss payment arrangements, please contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####). We hope you find this information to be helpful. Should you have any further questions, please contact our Recovery team at the phone number listed above. They will be glad to assist you. Sincerely, Laura R[redacted]
Dear [redacted]We received the complaint regarding the above-referenced account. Comenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we respond to all account-related inquiries. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and...
I appreciate theopportunity to assist you.Your complaint states that you received your monthry billing statement via email, and you were not awarethat the balance would need to be paid by a certain date to avoid the accrued finance charge.Furthermore, you are requesting to have the promotional plan finance charges credited. I understandyour concerns and apologize for any confusion or inconvenience this may have caused you.Our records indicate that on June 19, 2073, your account was charged $9,000.00. This purchase wasplaced on a 24-month deferred interest, payment required plan, which was scheduled to expire on June21, 2015. For purchases on these plans, interest is accrued (calculated, but not added to the balance). Ifthe balance is not paid in full by the plan end date, the accrued finance charges, which are calculatedfrom the date of the original purchase, will be added to the deferred balance, and this balance will bemoved to the revolving balance. This information appeared on your monthly billing statements in the"Details of your plans" section.Our records further indicate that you spoke with a representative who stated that she would waive theaccrued interest for your plan that expired on June 21, 2015, provided you paid the outstandingpromotional balance in full. The last payment of $525.00 was received on July 7, 2015; regrettably, thecredit adjustment was not applied as agreed.Please be assured, per the agreement you made with our representative, the Bank issued credits onSeptember 25, 2015, totaling $2214.31 for the accrued interest and previously assessed fees.Additionally, the payment history on your Lending Club Patient Solutions account has been updated toremove the delinquencies for August and September 2015. Please allow the credit-reporting agencies 45days to update their records.As of today's date, the balance on your account is zero.We hope this information is helpful. Should you have any additional questions or concerns, please do nothesitate to contact me directly at ###-###-####, ext. [redacted], (TDD/TTY ###-###-####). Iwould behappy to assist you.Sincerely,Melissa L[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 Administratively Resolved]
Complaint: [redacted]
I am rejecting this response because:
We always paid between the 1ith and 19th. The business processes the payment a week later which they do on purpose to charge their customers late fees. There were only two instances that we paid after the 19th.
Regards,
[redacted]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 07/22/2017. Please let me know if this extension date is not approved. Thank you,
Comenity Bank has received your complaint regarding the above-referenced account. ComenityBank issues the Lane Bryant credit card. We are here to answer your questions and assist withyour concerns.Your complaint states that you contacted the Bank, the late fees were removed from the account,and the...
account was bought current. However, your credit report still reflects a late payment andyou are requesting to have that removed, as the late fees were removed from your account. Weunderstand your concerns, and apologize for any inconvenience or frustration this matter mayhave caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations, and found that on April 11, 2017, [redacted] contacted the Bank regarding theinformation appearing on her credit report. [redacted] advised the Bank that she was anauthorized user on the account, and the account should not be on her credit. Please be advisedthat [redacted] was incorrectly advised to file a dispute with the national credit-reportingagencies. Furthermore, she requested that the late fees be removed from the account and shewas advised that the Bank needed to speak to you to make any adjustments on the account.Therefore, [redacted] did a conference call and, after the Bank representative verified yourinformation, a late fee was removed as a courtesy.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder’s spouse is permitted to use the account. [redacted] is an authorized userof the account, and we are required to report the credit card account to the credit reportingagencies. [redacted]’s credit report will show she is an authorized user on the account and notcontractually liable for the balance due. If you, or she, no longer wish to have this account reportedon her credit bureau report, please contact our Customer Care department at ###-###-#### tohave her removed as an authorized user from this account.Bank records further indicate that for the months of September 2016 through February 2017, theBank did not receive a payment on the account. As a result, late fees were assessed to youraccount. Furthermore, your account fell six billing periods past due and was reported to thenational credit-reporting agencies.Although, the Bank issued a credit of $37.00 to your account for one of the late fees, your paymenthistory was not updated. Please be advised that we are only willing to remove or changeinformation that our company incorrectly furnished to the credit-reporting agencies. We havefound the information we reported is an accurate reflection of the payment history for youraccount. Therefore, this information will not be changed or removed from your credit bureaureport.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questions. Your complaint, addressed to the Revdex.com, wasforwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to thiscomplaint on March 13, 2015. We have enclosed a copy of our previous response for yourrecords. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistMarch 13, 2015Dear [redacted]Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days after the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as aprovisional credit and a finance charge credit. You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamAL03 326SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
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 questionsand assist with your concerns.Your complaint states that you were called by the Bank on March 8, 2017, and that you would...
bemaking a payment later on in the month, and the calls were to cease. On this same day, you wereagain called and the associate would not provide you with his first name; only the extension to adirect line. You further state that this associate was bullying you by making threats of pursuinglegal action if you did not make a same day payment, and refusing to transfer you to a supervisor.You want a supervisor to contact you in order to discuss your options.We have reviewed the concerns in your correspondence and the applicable telephone calls. Weapologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customerservice and are disappointed when a customer feels this standard was not met.Additionally, we understand that you were contacted twice on this day. We apologize that due toan associate error, our system was not updated to cease further calls for this day. Please beassured we have taken action to coach the associate regarding this matter.Our records indicate that you scheduled a $30.00 payment on March 9, 2017, and this paymenthas posted to your account. As of the date of this letter, the account balance is $1,220.52, andthe account is two billing cycles past due.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status. We appreciate your business, and we wantto share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with specialterms in order to help bring the account current. If you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.• Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS) organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement andcould include all of your creditors. We support and participate in the programs provided by theCCCS agencies. Should you wish to obtain information regarding their programs and for amember agency located near you, please contact the National Foundation for Credit Counselingat ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Roaman's credit card accounts. We are here to answer yourquestions and assist with your concerns.In your correspondence you state you were offered 90 days to pay...
on your purchase. You havebeen assessed late fees. You contacted the Bank and were given a refund, however your creditscore has dropped due to the account being reported as past due. You would like all the feesremoved, your credit updated and the 90 days to pay honored on your purchase.We reached out to Roaman’s on your behalf. There records indicate that your order containedtwo different coupons; one a 30% discount, and the other was free shipping. Your order was neverplaced on deferred billing, and will remain on regular revolving.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.Please be advised, you have a minimum payment of $5.00 due by November 13, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
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...
complaint that you made a purchase for $29.15, which you state was paid off. You state that in March 2017 you started receiving phone calls stating that you now owed $88.16. You state that the payment for $29.15 was made on the due date of December 4, 2016, however; due to submitting the payment after 8 pm a late fee was added to your account. You state that you since paid the $88.16 and closed your account. Furthermore, you are requesting to have the charges removed, your account to have a zero balance, to have no more contact with the Bank, and to have this removed from your credit report. Bank records indicate your payment due date is the fourth 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 received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. Calls are no longer being placed to the telephone number we currently have on the account, as we have marked the number with “Do Not Call” instructions. We respectfully decline your request to remove any additional late fees. 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] Rosa M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted] Thank you for contacting Comenity Bank. As the bank that issues Christopher & Banks credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate...
the opportunity to assist you. We are also in receipt of your correspondence submitted to the the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response sent to you on September 25, 2015. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY (###-###-####). I will be happy to assist you. Sincerely,Lauren S[redacted]_____________________________________________________________________...⇄
The Comenity Bank insisted they had mailed the first statement and the credit card which they did not. The Comenity Bank had very bad rating on the search record. The employee at the Comenity Bank are telling different answers if you call for instruction and they are on purpose cheating their customers.
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the LOVELOFT credit card account. We are here to answer yourquestions and assist with your concerns.You state you were charged for an online purchase in May...
that you did not make. You have calledmultiple time to get the transaction removed and have not received a resolution. This purchasehas had fees added, and you are afraid this is going to affect your credit. You would like thecharge removed and the late fees waived.We received your dispute on September 29, 2017, in the amount of $114.97 for an onlinepurchase. Please be assured our dispute resolution team is currently working to resolve yourdispute. Please also be aware, dispute investigations may take up to ninety days to complete.Upon completion of our investigation, we will notify you of our findings by mail. We appreciateyour patience while we conduct our investigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]
Dear [redacted] We received the additional complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Bank issues J. Crew credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns. Thank you for taking the time to speak with me on September 9, 2016. As discussed, on August 18, 2016, we sent notification to the national credit-reporting agencies with instructions to report the J. Crew account as “Paid Charge-Off”. Please allow the national credit-reporting agencies up to 45-days to update their records. I sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M[redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account reference above. Comenity Bank issues woman Within credit card accounts, and we are here to assist you with all account-related questions or concerns. I appreciate the opportunity to respond...
s to the account, pursuant to the guidelines of the Credit Card Agreement. We received your payment of $72.73 on April 13, 2016. When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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, Comenity Bank may call you until our attempt to communicate is successful. We have updated the telephone numbers, so that you no longer receive telephone calls, regarding the Woman Within account, from the Bank. All calls should have ceased by this time. The Bank has made the decision to no longer hold you responsible to pay the above-referenced previous account balance. Please be assured, credits have been issued totaling $72.73. These credits have posted and you now have a credit balance you $72.72. A refund check for this credit balance has been request and should be received under separate cover, in 14 days. We understand the concerns regarding your credit bureau file, and we are happy to explain our position. Comenity Bank is required to report factual information to the national credit-reporting agencies. We have reviewed your account and we find that the information reported is correct; as such, we are unwilling to remove any delinquencies. 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: Experian (TRW) P.O. Box 2002 701 Experian Parkway Allen TX 75013-3742 8###-###-#### http://www.experian.com Trans Union (TRU) P.O. Box 390 Springfield, PA 19064-0390 ###-###-#### http://www.transunion.com Equifax (CBI) P.O. Box 740241 Atlanta, GA 30374-0241 ###-###-#### http://www.equifax.com I hope you find this information to be helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**
to your concerns. We understand from your complaint that you are being charged $2.00 “monthly Minimum” fees to your account, which you believe has a zero balance. You state you paid your account balance of $72.73 to have the telephone calls stopped, and to protect your credit. You believe you are being charged late fees against the bank fees. You would like the full amount refunded and the negative credit reporting reversed. Please be advised, your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.00 per credit plan, which is the minimum charge you are referencing in your complaint. Your payment due date is on the 17th of each month. 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 CCA, which is included for your records. Bank records indicate, a billing statement was sent to you on March 22, 2015, reflecting a balance of $180.25 and a payment of $29.94 due by April 17, 2015. As no payments were received by the due date, a late fee and finance charge were assessed to the account, pursuant to the guidelines of the Credit Card Agreement. We received you payment of $50.00 on March 29, 2015. Additionally, a billing statement was sent to you on August 22, 2015, reflecting a balance of $101.91 and a payment of $30.00 due by September 17, 2015. As no payments were received by the due date, a late fee and a finance charge were assessed to the account pursuant to the guidelines of the Credit Card Agreement. We received your payment of $35.00 on August 23, 2015. Lastly, a billing statement was sent to you on December 22, 2015, reflecting a balance of $14.91 and a payment of $14.91 due by January 17, 2016. As no payments were received by the due date, late fees and finances charges were a
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues gordmans 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 made a purchase at the gordmans store in [redacted] and while at the register you were offered a 30% discount if you applied for a credit card and you accepted this offered to open a gordmans account. You also state that you already had your debit card in the machine and were advised by the store associate that all the information would be read from your debit card to complete the application. Additionally, you indicate that you received a statement and you threw the statement away due to thinking that you paid for the purchases on your debit card. Later you received another statement with fees assessed to the account. You are requesting that the finance charges be removed from the account, and you will make the payment, and close your account. I am happy to share my findings with you. After a thorough review of the account, our records indicate that a gordmans account was opened on December 6, 2015, in the name of [redacted]. At that time a purchase of $197.49 was placed on the credit card. On December 9, 2015, a statement was issued to you with a balance of $197.49 with a minimum payment of $25.00 due on January 4, 2016. As no payment was received by the due date a late fee and finance charge were assessed to the account. On January 9, 2016, a statement was issued to you with a balance of $226.83 with a minimum payment of $36.00 due on February 4, 2016. As no payment was received by the due date another late fee and finance charge were assessed to the account. As statements continued to be issued for the months of February 2016 through April 2016 and no payment has been received; additional late fees and finance charges were assessed to the account. 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 (CCA). Enclosed are the statements referenced above and a copy of the CCA for your records. As of the date of this letter, the balance on the account is $348.83, and the account reflects four billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the national credit reporting agencies as an unpaid debt. As the Bank finds these fees valid, we are unwilling to remove any fees from the gordmans account. We encourage you to contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####), to discuss suitable payment arrangements. On April 20, 2016, the account was closed per your request. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact our Payment Solutions team at the telephone number provided. They will be happy to assist you. Sincerely, Renee S[redacted]
Hello,Thank you for your inquiry. Your reference number is [redacted].We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-3 business days to resolve the issue.Please reply to this email with any additional...
questions related to your inquiry.Sincerely,Consumer Support Group
We WILL NOT accept The RoomPlace measley $295 credit we have no desire to EVER shop at The RoomPlace AGAIN! If we were not being truthful about what the salesman Lewis K[redacted] and Store Manager told us at the time of purchase we would have never purchased the much furniture at one time, never! If we were being untruthful about what we were told about the Manager eating the cost if the furniture as we were told, we would have used the credit rthat was reapplied to our account twice. We want nothing from The RoomPlace but to be treated fairly and honestly. We have never missed a payment and yes the furniture was delivered under the understanding that there would no charge to us, we did purchase furniture agreed upon, but NOT the bedroom set! If a decision is not reached in our favor as promised by The RoomPlace, we will not make another credit payment to the account, hire an attorney and contact other protection consumers agencies that will be able to help us, by calling us to care to discuss the major issue with us over the phone or through Revdex.com. We are reachable at any time. This case will not be thrown under a rug and forgotten about. The RoomPlace will not get away with sneakily scanning people and getting away it. This case is in the making of being televised once a decision is made until then there will be no more payments made to Commenity Bank for The RoomPlace. W We know they are separate entities. What would you do if someone lied to you to get your signature and scam you at the same time? We get sicken to our stomachs every time we see a scam RoomPlace commercial, I it makes me want to throw up of disgust reminds me of how they beat us so badly out of $3,000 without our knowledge. Every dog has it's day, The RoomPlace, and this will not happen to another older customer again, we will make sure of that. See you guys in Court! What a shame that this store think they are going to get away with fraudulently signing a contract I never agreed to pay. Time to see our Attorney. Tired of waiting on someone to truly investigate and care. You are all scam artists and professional liars!
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Total Rewards [redacted] Signature credit card. We are here to answer your questions and assist with your concerns. We understand that while...
visiting [redacted] in February 2017 you applied for a Total Rewards [redacted] Signature credit card. To activate the credit card you had to make a purchase so you purchased a bottle of water for $9.62. The billing statements were sent to an old address, and you never received them which resulted in the account being assessed late fees and finance charges. When speaking to customer service the representative would only credit one late fee. While on the line with the representative you made a payment to pay the account in full. You then received a billing statement which reflected another late fee, and when you contacted the Bank again the representative refused to remove the additional fee. You are requesting to have all of the late fees and finance charges refunded. As a courtesy, we have applied a credit of $23.37 to the account for the associated finance charges and late fees. On May 9, 2017, $6.87 was previously removed with regard to this situation. Once the additional credits post to the account, there will be a refund owed to you in the amount of $23.37. You will receive this refund in the next 14 business days via mail. 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, [redacted] Compliance Dept. – Consumer Responses
Dear [redacted]:
We have
received the inquiry you sent to the Revdex.com regarding the
above-noted account. Your correspondence
was forwarded to
Comenity Bank.
Comenity Bank issues the Bergner’s credit card,
and we are here to help answer your...
questions. I appreciate the opportunity to assist you
with your concerns.
We understand from
your complaint to the Revdex.com that your Equifax report is
showing the account being delinquent for 24 months after paying your account
off in February 2014. We do apologize
for the inconvenience you may have experienced.
After researching our
records, we had found the payment history reported incorrectly. Please be assured, notification had been sent
to the national credit-reporting agencies with instructions to remove the
reported delinquency after February 2014, with regard to your Bergner’s
account. Please allow the
credit-reporting agencies 45 days to update their records.
Further records show
your account received payment of $243.00 on February 17, 2014. On February 19, 2014, we had notified the
credit-reporting agencies that your account was a charge off and settled in
full for less than the balance owed.
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,
Jack C[redacted]
Dear Comenity Bank, I did not ever tell any rep from your company I was stranded, I did tell mr Guy the supervisor, that my phone was broken because a 3-year-old sat on it and broke it, and when guy gave me the temporary increase, he told me to use it with in 24 hrs., I told him I lived right across the street and I was going right over to my Meijer’s store. I suggest you please get this story straight. And review the phone recordings. And as far as good customer service goes, if you took the time to view all of the telephone recordings that happened after each time my credit card was declined from the first temporary Mr. Guy did, and I called in to your customer service , and was told that I have available credit of 850 after the purchase of $206.00, and a few customer service reps told me there was no reason my card should be declined because I have the available credit, and I made several trips back to the store because your customer service people don’t know there job and this includes two supervisors. What makes no sense is that Guy the supervisor made a 1000-dollar mistake on a customer’s credit line, and after this mistake was made a few customer service reps told me after a few declines that I have the available credit so I went back to the store, it must be our system, and the supervisor Named Jenifer told me that Guy broke your policy and was not supposed to even do any kind of increase to the Meijer card, she said the increases are only for clothing cards, than Walter came into this and told me that Jenifer was wrong that guy was right in increasing it, so I told him Jenifer does not know your policy and she is a another supervisor. Yes, Comenity Bank did adjust over $180.52 in finance charges, that in its self should tell the bank what this customer has been through. What also makes no sense is that on 05/19/2017 I called in and spoke to a regulation specialist and needed to use my card because there was a death in the family and I need to buy some clothing, and after speaking to the regulation specialist she went to a supervisor, and a third temporary increase was done to the account of $200.00 so I could make my purchase, all of these temporary increases so I can shop, but no one putting my credit line ware I was led to believe it was, and was told over and over again by customer service I have the available credit . in closing I would like this complaint and all copies sent to John M[redacted], and John S[redacted], because I want them booth to see just how Laura R[redacted], is treating their customers with her thought process. This is not right to do to a customer and a good card holder. I would like my credit line to be the 2100 like I was led to believe, instead of all these temporary increases that have been made because of all the mistakes that wear made with my account. This is so wrong Laura on every business and card holder level to do to me. I feel very misled and violated because of all the bank employee’s mistakes, and trust me there was so many, too many Laura. If the credit line is adjusted to the 2100 I will continue to shop pay my bill and be a good customer and card holder, if it’s not I will be following up with a consumer protection bureau complaint so that this gets in the hands of John M[redacted] and john s[redacted] Thank you …[redacted]
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Ashley Stewart® credit card accounts, and we respond to all 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 opened the above-referenced account last year, and you were making payments on your account until you were unable to work. You are receiving collection calls from the Bank and you are requesting the calls to stop. We sincerely apologize for any inconvenience or frustration that this matter may have caused. Our records indicate that the above-referenced account was opened on September 10, 2014, in the name of [redacted] The last purchase made on the account was for $100.92 on October 7, 2014. The last payment made on the account was for $35.00 and posted to the account on December 30, 2014. On August 2, 2015, due to non-receipt of payment, the account was permanently closed and written off as an unpaid debt with a balance of $533.33. Please be assured Comenity Bank has updated the Ashley Stewart® account to ensure that you do not receive telephone calls at the telephone numbers ending in [redacted] and 0606. However, the Bank may contact you by mail or service of court filing which would be in compliance with state and federal law. If you have any questions regarding the account, or if you would like to discuss payment arrangements, please contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####). We hope you find this information to be helpful. Should you have any further questions, please contact our Recovery team at the phone number listed above. They will be glad to assist you. Sincerely, Laura R[redacted]
Dear [redacted]We received the complaint regarding the above-referenced account. Comenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we respond to all account-related inquiries. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and...
I appreciate theopportunity to assist you.Your complaint states that you received your monthry billing statement via email, and you were not awarethat the balance would need to be paid by a certain date to avoid the accrued finance charge.Furthermore, you are requesting to have the promotional plan finance charges credited. I understandyour concerns and apologize for any confusion or inconvenience this may have caused you.Our records indicate that on June 19, 2073, your account was charged $9,000.00. This purchase wasplaced on a 24-month deferred interest, payment required plan, which was scheduled to expire on June21, 2015. For purchases on these plans, interest is accrued (calculated, but not added to the balance). Ifthe balance is not paid in full by the plan end date, the accrued finance charges, which are calculatedfrom the date of the original purchase, will be added to the deferred balance, and this balance will bemoved to the revolving balance. This information appeared on your monthly billing statements in the"Details of your plans" section.Our records further indicate that you spoke with a representative who stated that she would waive theaccrued interest for your plan that expired on June 21, 2015, provided you paid the outstandingpromotional balance in full. The last payment of $525.00 was received on July 7, 2015; regrettably, thecredit adjustment was not applied as agreed.Please be assured, per the agreement you made with our representative, the Bank issued credits onSeptember 25, 2015, totaling $2214.31 for the accrued interest and previously assessed fees.Additionally, the payment history on your Lending Club Patient Solutions account has been updated toremove the delinquencies for August and September 2015. Please allow the credit-reporting agencies 45days to update their records.As of today's date, the balance on your account is zero.We hope this information is helpful. Should you have any additional questions or concerns, please do nothesitate to contact me directly at ###-###-####, ext. [redacted], (TDD/TTY ###-###-####). Iwould behappy to assist you.Sincerely,Melissa L[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 Administratively Resolved]
Complaint: [redacted]
I am rejecting this response because:
We always paid between the 1ith and 19th. The business processes the payment a week later which they do on purpose to charge their customers late fees. There were only two instances that we paid after the 19th.
Regards,
[redacted]
In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 07/22/2017. Please let me know if this extension date is not approved. Thank you,
Comenity Bank has received your complaint regarding the above-referenced account. ComenityBank issues the Lane Bryant credit card. We are here to answer your questions and assist withyour concerns.Your complaint states that you contacted the Bank, the late fees were removed from the account,and the...
account was bought current. However, your credit report still reflects a late payment andyou are requesting to have that removed, as the late fees were removed from your account. Weunderstand your concerns, and apologize for any inconvenience or frustration this matter mayhave caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations, and found that on April 11, 2017, [redacted] contacted the Bank regarding theinformation appearing on her credit report. [redacted] advised the Bank that she was anauthorized user on the account, and the account should not be on her credit. Please be advisedthat [redacted] was incorrectly advised to file a dispute with the national credit-reportingagencies. Furthermore, she requested that the late fees be removed from the account and shewas advised that the Bank needed to speak to you to make any adjustments on the account.Therefore, [redacted] did a conference call and, after the Bank representative verified yourinformation, a late fee was removed as a courtesy.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder’s spouse is permitted to use the account. [redacted] is an authorized userof the account, and we are required to report the credit card account to the credit reportingagencies. [redacted]’s credit report will show she is an authorized user on the account and notcontractually liable for the balance due. If you, or she, no longer wish to have this account reportedon her credit bureau report, please contact our Customer Care department at ###-###-#### tohave her removed as an authorized user from this account.Bank records further indicate that for the months of September 2016 through February 2017, theBank did not receive a payment on the account. As a result, late fees were assessed to youraccount. Furthermore, your account fell six billing periods past due and was reported to thenational credit-reporting agencies.Although, the Bank issued a credit of $37.00 to your account for one of the late fees, your paymenthistory was not updated. Please be advised that we are only willing to remove or changeinformation that our company incorrectly furnished to the credit-reporting agencies. We havefound the information we reported is an accurate reflection of the payment history for youraccount. Therefore, this information will not be changed or removed from your credit bureaureport.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questions. Your complaint, addressed to the Revdex.com, wasforwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that we previously responded to thiscomplaint on March 13, 2015. We have enclosed a copy of our previous response for yourrecords. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistMarch 13, 2015Dear [redacted]Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincarecredit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare account. Because your disputeletter arrived more than 60 days after the first billing statement on which the disputed charge appeared,the amount subject to dispute is limited to your balance at the time we received your dispute letter. Sinceyour account had a zero balance at the time your dispute was received, a credit for the disputedcharge(s) will not be applied.Comenity Capital Bank and American Laser Skincare are two separate entities. The bank is responsiblefor addressing questions related to credit accounts, while American Laser Skincare is responsible forhandling matters related to sales, services, and refunds.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance charges. These credits appeared on your billing statement as aprovisional credit and a finance charge credit. You will see both credits removed on your nextstatement.We value you as a customer and sincerely apologize for any confusion or inconvenience. If you haveany questions about your account, please call us at ###-###-#### (TDD/TTY: ###-###-####). Any ofour team members will be happy to help you.Sincerely,Customer Care teamAL03 326SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.
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 questionsand assist with your concerns.Your complaint states that you were called by the Bank on March 8, 2017, and that you would...
bemaking a payment later on in the month, and the calls were to cease. On this same day, you wereagain called and the associate would not provide you with his first name; only the extension to adirect line. You further state that this associate was bullying you by making threats of pursuinglegal action if you did not make a same day payment, and refusing to transfer you to a supervisor.You want a supervisor to contact you in order to discuss your options.We have reviewed the concerns in your correspondence and the applicable telephone calls. Weapologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customerservice and are disappointed when a customer feels this standard was not met.Additionally, we understand that you were contacted twice on this day. We apologize that due toan associate error, our system was not updated to cease further calls for this day. Please beassured we have taken action to coach the associate regarding this matter.Our records indicate that you scheduled a $30.00 payment on March 9, 2017, and this paymenthas posted to your account. As of the date of this letter, the account balance is $1,220.52, andthe account is two billing cycles past due.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status. We appreciate your business, and we wantto share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with specialterms in order to help bring the account current. If you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.• Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS) organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement andcould include all of your creditors. We support and participate in the programs provided by theCCCS agencies. Should you wish to obtain information regarding their programs and for amember agency located near you, please contact the National Foundation for Credit Counselingat ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Roaman's credit card accounts. We are here to answer yourquestions and assist with your concerns.In your correspondence you state you were offered 90 days to pay...
on your purchase. You havebeen assessed late fees. You contacted the Bank and were given a refund, however your creditscore has dropped due to the account being reported as past due. You would like all the feesremoved, your credit updated and the 90 days to pay honored on your purchase.We reached out to Roaman’s on your behalf. There records indicate that your order containedtwo different coupons; one a 30% discount, and the other was free shipping. Your order was neverplaced on deferred billing, and will remain on regular revolving.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.Please be advised, you have a minimum payment of $5.00 due by November 13, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
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...
complaint that you made a purchase for $29.15, which you state was paid off. You state that in March 2017 you started receiving phone calls stating that you now owed $88.16. You state that the payment for $29.15 was made on the due date of December 4, 2016, however; due to submitting the payment after 8 pm a late fee was added to your account. You state that you since paid the $88.16 and closed your account. Furthermore, you are requesting to have the charges removed, your account to have a zero balance, to have no more contact with the Bank, and to have this removed from your credit report. Bank records indicate your payment due date is the fourth 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 received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. Calls are no longer being placed to the telephone number we currently have on the account, as we have marked the number with “Do Not Call” instructions. We respectfully decline your request to remove any additional late fees. 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] Rosa M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted] Thank you for contacting Comenity Bank. As the bank that issues Christopher & Banks credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate...
the opportunity to assist you. We are also in receipt of your correspondence submitted to the the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response sent to you on September 25, 2015. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY (###-###-####). I will be happy to assist you. Sincerely,Lauren S[redacted]_____________________________________________________________________...⇄
The Comenity Bank insisted they had mailed the first statement and the credit card which they did not. The Comenity Bank had very bad rating on the search record. The employee at the Comenity Bank are telling different answers if you call for instruction and they are on purpose cheating their customers.
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the LOVELOFT credit card account. We are here to answer yourquestions and assist with your concerns.You state you were charged for an online purchase in May...
that you did not make. You have calledmultiple time to get the transaction removed and have not received a resolution. This purchasehas had fees added, and you are afraid this is going to affect your credit. You would like thecharge removed and the late fees waived.We received your dispute on September 29, 2017, in the amount of $114.97 for an onlinepurchase. Please be assured our dispute resolution team is currently working to resolve yourdispute. Please also be aware, dispute investigations may take up to ninety days to complete.Upon completion of our investigation, we will notify you of our findings by mail. We appreciateyour patience while we conduct our investigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]