We have received your complaint, on behalf of your mother, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues [redacted] credit card account, and we are here to assist with all account-related questions. Your complaint was forwarded...
to my attention, and I appreciate the opportunity to respond to your concerns. We understand from you complaint that a few weeks ago your mother passed, we are sorry to hear of the passing of your mother. Additionally, you state that you are the executor of the estate for your mother and you located a statement for the above-referenced account with a balance or $260.00 which was the original price with interest and fees applied. You also state that you placed several calls to Comenity Capital Bank to resolve this matter and you were not given to the opportunity to settle the account as the account went directly to collections. I am happy to share my findings with you. After thorough review of our records, the Bank would need additional information to locate the account in question. We are unable to resolve this matter without having additional information to research your concerns. Please provide the following: A valid account number for the [redacted] credit card accountSocial Security Number(s)Address associated with the accountTelephone number as listed on the accountAny previous names This information may be mailed to my attention at the address listed above or faxed to ###-###-####. Once this information is received, we should be able to locate the account and further research your concerns. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries. I appreciate the opportunity to...
assist you. We understand from your complaint that you purchased a laptop, along with an extended warranty, from HSN in October 2014. You state that you returned the laptop to HSN, and that you received credit for the returned merchandise on October 30, 2014. However, you received monthly billing statements from the Bank indicating an account balance of $125.24. In an attempt to rectify this matter, you scheduled a same day payment by phone with a Bank representative for the account balance, including a $15.00 same day payment by phone fee. You are requesting Comenity Capital Bank reinstate your HSN credit card account, issue you a full refund for any money paid towards the account, and send notification to the credit bureaus acknowledging the error. We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough review, our records indicate on October 13, 2014, you elected to enroll in an optional debt cancellation program from Account Assure. The monthly fee for Account Assure is based on the outstanding monthly balance of your HSN account each month. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. Bank records further indicate a charge of $652.15 for a HP 17” A4 laptop was applied to the account on October 13, 2014. The purchase was placed on a 9-month promotion with deferred interest payment required plan, scheduled to end on July 17, 2015. On October 14, 2014, a charge of $163.00 for an extended warranty was applied to the account. On October 22, 2014, your HSN account billed with an outstanding balance of $831.36; as a result, charges in the amount of $12.97 and $3.24 were applied to the account for the Account Assure monthly subscription fee. On October 30, 2014, HSN issued credits, for the returned merchandise, in the amount of $815.15 to the HSN account. The remaining balance due on the account after these credits were applied was $16.21, which included the Account Assure monthly subscription fees. As payments were not received by the respective due date(s) and/or were made for less than the minimum payment required, late fees and finance charges were applied to the account, as explained in the Credit Card Agreement (CCA), and the HSN account was reported as 60-days past due. Although there were no Bank errors, in the interest of customer service, we issued credits totaling $140.24 on April 13, 2015, for all applicable fees. The credits issued resulted in a $140.24 credit balance. A refund check in this amount was requested for you, and should arrive in a separate mailing within 14 days. In addition, we sent notification to the national credit-reporting agencies, with instructions to delete the negative payment information for the months of December 2014, February 2015, and March 2015, from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. Please be assured, as the date of this letter, your enrollment in the account protection from Account Assure has been cancelled, and your HSN account has been restored. The account balance is zero, and the credit limit is $1,500.00. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
The billing statement will be sent via mail with the response. Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the Fashion Bug credit card. We are here to answer your questions and...
assist with your concerns. We understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, 2013. You state you used the credit account at two stores in Maine, which have closed. You state you do not have the card number. I am happy to share my findings. Bank records indicate the account was opened August 6, 2009. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase posted to the account in the amount $78.79 on July 30, 2012, and the last payment posted in the amount of $46.95 on April 16, 2013. Our records further indicate, the account was closed per your request on March 13, 2017. We have included a billing statement, for your records, which provides the account number. 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, Kaija M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your gordmans credit card account. Comenity Bank issues gordmans credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.We understand from your complaint that you went into the gordmans store and were offered a 10% discount for signing up for a credit card that you thought was a discount card. You state that the cashier had you pay cash and also charged your gordmans credit card. Additionally, you went in the store to resolve this matter however, you were told they aren’t able to do anything because your charge receipt is signed. You also requested to review the security footage and believe the person reviewing saw something, but they would not share this information with you. We understand your concerns and apologize for any frustration and inconvenience this matter may have caused you.Please note Comenity Bank and gordmans are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. gordmans is responsible for handling matters related to sales, merchandise processing, returns and shipping.We contacted gordmans on your behalf, and their records indicate the receipt for the purchase in question was not paid for in cash, rather was paid for using the gordmans credit card and the charge receipt was signed. They further state that the security footage from that date is no longer available. If you have any further questions regarding this matter, please contact the corporate office of gordmans at ###-###-####.We apologize if you felt you did not receive the best customer service. 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.We understand it was not your intention to apply for a gordmans credit card account. Due to the misunderstanding; Comenity Bank has issued credits to remove the entire balance of the account. Additionally, we sent notification to the credit-reporting agencies to delete the account, in its entirety, from your credit report. Please allow 45 days for their records to be updated.I hope you find this information to be helpful. Should you have any further questions regarding the information outlined in this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
I am rejecting the business response because of the fact that the $60.00 was paid. I was notified that I needed to make a payment on the account. I made the payment. They sent me a letter saying that my bank informed them the the account was closed. I checked with my bank and they informed me that the account was still open.
Regards, [redacted]
I did not receive a January billing statement since I did not have a balance on the account at that time. The process change was very misleading and that is why I am complaining. I would be happy to discontinue the deferred interest but I do not want to incur interest charges on the entire balance for the last two months, which would effectively negate any rewards points I have accrued. I am extremely unhappy with their customer service and will be paying the balance in full and canceling my account.
Regards,
[redacted]
Hello Revdex.com,This complaint is regarding the customer's Angel Card credit account, which is owned and managed by Comenity Bank. Victoria's Secret Digital and Victoria's Secret Stores does not have access to resolve a customer's concerns with their credit card. This will need to be...
sent to Comenity Bank for resolution. If the customer has a question or concern regarding an order she placed online, or a purchase she made in the store, we will be happy to assist her. For order/purchase concerns, she may contact our Customer Care team at ###-###-####, seven days a week. Sincerely,[redacted]Senior Customer Care Associate
Dear Ms. [redacted]Thank you for contacting the Revdex.com, regarding the above-referenced accounts. Comenity Bankissues the above-referenced credit card accounts, and we are here to help with account-related questions. Yourcomplaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.Your correspondence states that, during a conversation with the Bank, you told the representative you could notmake a payment until August 26, 2016. During that conversation, you scheduled payments for your abovereferencedaccounts to be made on August 26, 2016. When you checked your deposit account on August 26,2016, you found that two attempts to withdraw the funds from your personal deposit account had been made foreach account before August 26, 2016, resulting in six overdraft fees of $33.00 from your bank. You called theBank and were told to file a dispute. You asked the representative to listen to the applicable telephone call andat first, were given incorrect information regarding the content of the conversation. Subsequently, you listenedto the call simultaneously with a Bank representative and found that you had in fact requested the payments tobe arranged for August 26, 2016.We previously received and responded to your correspondence submitted to the State of Delaware regardingthis same matter. Please find enclosed a copy of our response sent to you on October 21, 2016.In our previous response, we advised that you did in fact request the payments to be scheduled for August 26,2016; however, when the representative read back the details of the transactions during the disclosure, sheconfirmed the payments would be processed on August 16, 2016; and you agreed to the terms. We apologizefor the inconvenience this has caused. 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 thisstandard was not met. Please be assured this matter has been forwarded to our management team for furtherreview and coaching.I hope you found this information to be helpful. Should you have any additional questions or concerns about theaccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. My original complaint was mistaken, but I did not realize that from my previous communications with them. The previous customer service representatives did not address my complaint properly and gave me inaccurate information. After opening this complaint with the Revdex.com, they addressed this misunderstanding promptly and thoroughly.
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Carson’s credit card. We are here to answer
your questions and assist with your concerns.
We...
understand from your complaint that on
December 24, 2016, you charged $5.49 to the account and the payment was due
January 27, 2017. You paid the balance on January 10, 2017. On January 4, 2017,
and January 11, 2017, you ordered a pair of boots. The bill totaled $86.20 and
the payment was due February 21, 2017. You returned both pairs of boots on
January 18, 2017, with the return label, you confirmed the boots were received
on January 31, 2017, however, you were charged a late fee. You want to know why
you were charged a late fee for something you don’t have. I am happy to share
my findings.
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. The account’s due date is the 21st of each
month.
Bank records indicate a charge in the amount of
$43.10 for MS SHOES posted to the account on January 4, 2017, and January 11,
2017. A billing statement was issued January 26, 2017, with a balance of $86.20
and a minimum payment of $27.00 due by February 21, 2017. Due to no payment being
received by the due date, a late fee and finance charge was assessed. The
returns posted in the amount of $77.25 on January 31, 2017. The account did not
receive credit for the return label fee of $8.95.
A billing statement was issued on February 23,
2017, with a balance of $37.95 and a minimum payment of $13.95 due by March 21,
2017. A payment in the amount of $37.95 posted to the account on March 11,
2017.
The Bank received your dispute on March 10,
2017, regarding the late fee assessed. Please be assured the late fee of $27.00
and the finance charge of $2.00 were credited on March 13, 2017. There is a credit
in the amount of $29.00 on the account.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####.
Dear Larhonda D. Lacour: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 previously received and responded to correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response sent to you on June 12, 2017.As stated in our previous response, please contact our Account Protection Team at the phone number listed below and reference case number [redacted], should you have any additional questions regarding your fraud case.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear Ms. [redacted]
We received your additional complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. Thank you for taking the time to speak with me on September 4, and September 8, 2015, regarding the late fees applied to your HSN credit card account. You are requesting that the Bank discontinue charging your account $35.00 in late fees, and refund the previously assessed late fees that were charged in May 2015 and June 2015. I understand your concerns, and I sincerely apologize for any frustration you may have experienced. As a follow up to our conversation, the Bank made a system adjustment to reduce the past due amount and the current payment amount due on September 28, 2015, to zero. Please be advised, due to this adjustment, no late fee will be assessed to the account for the month of September 2015. Going forward, by making the minimum payment required by the due date, which is the 28th of each month, your account should remain current. If 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 and finance charge, as explained in the Credit Card Agreement (CCA). Enclosed, please find a copy of the CCA for your records. Please be advised that no late fee was assessed to your account in May 2015. However, in the interest of customer service, credits totaling $70.00 were issued to the account to remove two previously assessed late fees. We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Lauren Smith [redacted]
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues BrylaneHomeD credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to...
your concerns.We understand from your complaint that you are being charged late fees even though youbelieve you have paid your bill on time for three years. You are requesting the late fees beremoved, to no longer be contacted by telephone, and catalogs and bills to no longer be sent.Enclosed are billing statements which show the account activity that comprised the accountbalance. Use of the account, or failure to close the account within 30 days of receiving theCredit Card Agreement (CCA), jndicated your acceptance of the terms of the agreement.including the assessment of any finance charges and fees.Banks records indicate the BrylaneHome account was opened on April 14, 2013. The lastpurchase of $239.95 was made on April 23, 2013, and the last payment of $30.00 was receivedon December 31, 2015. As of the date of this letter. the account balance is $661 24 with aminimum payment of $55.00 due by February 28. 2016. The account is one billing period pastdue.Your payment due date is the 28th of each month. Please keep in mind that when payments arenot 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.As the Bank finds the above-referenced account balance to be valid, we respectfully decline therequest to remove any late fees. Billing statements will be issued until the account is paid in fullor if the account charges off for nor-payment.Additionally, per your request, we have updated the status on the acwunt to ensure that you nolonger receive telephone calls from Comenity Bank regarding the BrylaneHome@account. However, the Bank may contact you by mail, or service of court filing, which would bein compliance with state and federal law.As of February 12, 2016, the Bank requested the catalogs to be canceled. Please allow 4-6weeks for the catalogs to stop.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda RayCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. But I would like the refund processed before this complaint is closed.
Regards, [redacted]
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence that...
your Pottery Barn account was charged a late fee of $27.00. You contacted Pottery Barn, but did not receive assistance. You sent payment, in advance, and are not sure why the late charge was added to your account. Furthermore, you would like to have the late fee refunded. Please note Comenity Bank and Pottery Barn are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Pottery Barn is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate your payment due date is the sixth of every month. Your Pottery Barn 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. In the interest of customer service, I have issued a $27.00 credit for the previously assessed late fee. 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]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted]’s credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint in which you state you made a payment in full...
the same day you made your purchase. You further state you do not owe a balance on the account and you are requesting that the account be adjusted to show a zero balance. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on July 7, 2016, a [redacted]’s account was opened in the name of [redacted]. A purchase of $27.38 was charged to the account the same day. If you have documentation that confirms the purchase was paid for using another method of payment, please send the documentation to the address above.Based on the information in your complaint, we have issued a credit for all Bank fees assessed to the account. This left a credit of $132.16 on the account; therefore, the Bank issued a refund check in this amount. You should receive this within 14 days under separate cover.In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the [redacted]’s account, in its entirety. Please allow 45 days for the credit-reporting agencies to update their records.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,Jenny W[redacted]
Dear [redacted]:We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions. Your inquiry was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. We understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card. When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor. You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail. When you received a phone call from Comenity Bank, you paid the balance in full. You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened. At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice. Use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees. On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $109.82 was charged to the account. A statement was issued on February 19, 2015, indicating a balance of $109.82 with a payment of $25.00, due by March 17, 2015. A second statement was issued on March 22, 2015, indicating a balance of $137.28 with a payment of $32.00 due by April 17, 2015. As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account. Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit report. On May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies. After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.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) Trans Union (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful. Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M[redacted]
Dear Ms. [redacted]:We received your recent complaint regarding the Lane Bryant Retail credit card account.Comenity Bank issues the above-noted credit card, and we are here to help with your accountrelatedquestions and concerns. Your complaint, addressed to the Revdex.com, wasforwarded to my...
attention and I appreciate the opportunity to assist you.I understand from your complaint, you enrolled in a free trial for "My Card Extras Plus". Youstate, you called and cancelled the program before the thirty day free-trial was up. You noticedon your monthly billing statement that you had been charged $9.95 for the My Card Extra Plusprogram. You called and were told credit would be issued for the $9.95, and a $1.00 late fee.To date additional fees have been bitted to your Lane Bryant Retail credit card, resulting in abalance of $36.85 and no credits have been issued.You are requesting Comenity Bank credit all fees assessed as a result of the My Card ExtraPlus charge, and to send notification to the credit reporting agencies advising your account iscurrent.The Bank has reviewed the issues in your complaint; however, we are unable to locate thetelephone conversation listed in your complaint. We apologize for any frustration orinconvenience you have experienced as a result of this matter.Please be assured, the My Card Extra Plus credit card program was cancelled on August 24,2015. Credit totaling $36.85, has posted to your Lane Bryant Retail credit card account, whichwill reflect on your next billing statement.Please be advised, we have updated the payment history and notification has been sent to thecredit reporting agencies advising of this update, please allow them 45 days to update their files.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely, Geanine M[redacted]
Dear [redacted]
We have received the inquiry you sent to the RevDex.com (Revdex.com), regarding the above-noted account. Your correspondence was forwarded to
Comenity Bank.
Comenity Bank issues the Younkers credit card,
and we are here to help answer your questions. I appreciate the opportunity to assist you
with your concerns.
We previously received and responded to your
correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response
sent to you on November 24, 2015.
As stated in our prior response, the item for
$95.37 was received by Younkers mail order and credited to your above account
on October 10, 2015. Our records further
show a new purchase on October 16, 2015, for $140.20 made at the Younkers store
in [redacted]
For your records we have enclosed copies of
your billing statements from September 2015 through March 2016, that will show
how the balance arrived at $142.87. In
addition, we have enclosed a copy of the store receipt for the purchase of
$140.20.
Comenity Bank did not find any errors on your
account and we consider the balance to be valid, and this matter closed.
We hope you find this information
helpful. If you have any further
questions, please feel free to contact me at ###-###-####, ext. [redacted]
(TDD/TTY###-###-####). I will be happy
to assist you.
We have received your complaint, on behalf of your mother, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues [redacted] credit card account, and we are here to assist with all account-related questions. Your complaint was forwarded...
to my attention, and I appreciate the opportunity to respond to your concerns. We understand from you complaint that a few weeks ago your mother passed, we are sorry to hear of the passing of your mother. Additionally, you state that you are the executor of the estate for your mother and you located a statement for the above-referenced account with a balance or $260.00 which was the original price with interest and fees applied. You also state that you placed several calls to Comenity Capital Bank to resolve this matter and you were not given to the opportunity to settle the account as the account went directly to collections. I am happy to share my findings with you. After thorough review of our records, the Bank would need additional information to locate the account in question. We are unable to resolve this matter without having additional information to research your concerns. Please provide the following: A valid account number for the [redacted] credit card accountSocial Security Number(s)Address associated with the accountTelephone number as listed on the accountAny previous names This information may be mailed to my attention at the address listed above or faxed to ###-###-####. Once this information is received, we should be able to locate the account and further research your concerns. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries. I appreciate the opportunity to...
assist you. We understand from your complaint that you purchased a laptop, along with an extended warranty, from HSN in October 2014. You state that you returned the laptop to HSN, and that you received credit for the returned merchandise on October 30, 2014. However, you received monthly billing statements from the Bank indicating an account balance of $125.24. In an attempt to rectify this matter, you scheduled a same day payment by phone with a Bank representative for the account balance, including a $15.00 same day payment by phone fee. You are requesting Comenity Capital Bank reinstate your HSN credit card account, issue you a full refund for any money paid towards the account, and send notification to the credit bureaus acknowledging the error. We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough review, our records indicate on October 13, 2014, you elected to enroll in an optional debt cancellation program from Account Assure. The monthly fee for Account Assure is based on the outstanding monthly balance of your HSN account each month. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. Bank records further indicate a charge of $652.15 for a HP 17” A4 laptop was applied to the account on October 13, 2014. The purchase was placed on a 9-month promotion with deferred interest payment required plan, scheduled to end on July 17, 2015. On October 14, 2014, a charge of $163.00 for an extended warranty was applied to the account. On October 22, 2014, your HSN account billed with an outstanding balance of $831.36; as a result, charges in the amount of $12.97 and $3.24 were applied to the account for the Account Assure monthly subscription fee. On October 30, 2014, HSN issued credits, for the returned merchandise, in the amount of $815.15 to the HSN account. The remaining balance due on the account after these credits were applied was $16.21, which included the Account Assure monthly subscription fees. As payments were not received by the respective due date(s) and/or were made for less than the minimum payment required, late fees and finance charges were applied to the account, as explained in the Credit Card Agreement (CCA), and the HSN account was reported as 60-days past due. Although there were no Bank errors, in the interest of customer service, we issued credits totaling $140.24 on April 13, 2015, for all applicable fees. The credits issued resulted in a $140.24 credit balance. A refund check in this amount was requested for you, and should arrive in a separate mailing within 14 days. In addition, we sent notification to the national credit-reporting agencies, with instructions to delete the negative payment information for the months of December 2014, February 2015, and March 2015, from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. Please be assured, as the date of this letter, your enrollment in the account protection from Account Assure has been cancelled, and your HSN account has been restored. The account balance is zero, and the credit limit is $1,500.00. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Thank you Revdex.com!!! I received my check and a letter of apology!!
The billing statement will be sent via mail with the response. Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued the Fashion Bug credit card. We are here to answer your questions and...
assist with your concerns. We understand from your complaint that the account was opened August 6, 2013, and the last payment was made April 1, 2013. You state you used the credit account at two stores in Maine, which have closed. You state you do not have the card number. I am happy to share my findings. Bank records indicate the account was opened August 6, 2009. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. The last purchase posted to the account in the amount $78.79 on July 30, 2012, and the last payment posted in the amount of $46.95 on April 16, 2013. Our records further indicate, the account was closed per your request on March 13, 2017. We have included a billing statement, for your records, which provides the account number. 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, Kaija M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your gordmans credit card account. Comenity Bank issues gordmans credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.We understand from your complaint that you went into the gordmans store and were offered a 10% discount for signing up for a credit card that you thought was a discount card. You state that the cashier had you pay cash and also charged your gordmans credit card. Additionally, you went in the store to resolve this matter however, you were told they aren’t able to do anything because your charge receipt is signed. You also requested to review the security footage and believe the person reviewing saw something, but they would not share this information with you. We understand your concerns and apologize for any frustration and inconvenience this matter may have caused you.Please note Comenity Bank and gordmans are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. gordmans is responsible for handling matters related to sales, merchandise processing, returns and shipping.We contacted gordmans on your behalf, and their records indicate the receipt for the purchase in question was not paid for in cash, rather was paid for using the gordmans credit card and the charge receipt was signed. They further state that the security footage from that date is no longer available. If you have any further questions regarding this matter, please contact the corporate office of gordmans at ###-###-####.We apologize if you felt you did not receive the best customer service. 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.We understand it was not your intention to apply for a gordmans credit card account. Due to the misunderstanding; Comenity Bank has issued credits to remove the entire balance of the account. Additionally, we sent notification to the credit-reporting agencies to delete the account, in its entirety, from your credit report. Please allow 45 days for their records to be updated.I hope you find this information to be helpful. Should you have any further questions regarding the information outlined in this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]
I am rejecting the business response because of the fact that the $60.00 was paid. I was notified that I needed to make a payment on the account. I made the payment. They sent me a letter saying that my bank informed them the the account was closed. I checked with my bank and they informed me that the account was still open.
Regards, [redacted]
I did not receive a January billing statement since I did not have a balance on the account at that time. The process change was very misleading and that is why I am complaining. I would be happy to discontinue the deferred interest but I do not want to incur interest charges on the entire balance for the last two months, which would effectively negate any rewards points I have accrued. I am extremely unhappy with their customer service and will be paying the balance in full and canceling my account.
Regards,
[redacted]
Hello Revdex.com,This complaint is regarding the customer's Angel Card credit account, which is owned and managed by Comenity Bank. Victoria's Secret Digital and Victoria's Secret Stores does not have access to resolve a customer's concerns with their credit card. This will need to be...
sent to Comenity Bank for resolution. If the customer has a question or concern regarding an order she placed online, or a purchase she made in the store, we will be happy to assist her. For order/purchase concerns, she may contact our Customer Care team at ###-###-####, seven days a week. Sincerely,[redacted]Senior Customer Care Associate
Dear Ms. [redacted]Thank you for contacting the Revdex.com, regarding the above-referenced accounts. Comenity Bankissues the above-referenced credit card accounts, and we are here to help with account-related questions. Yourcomplaint was forwarded to my attention, and I appreciate the...
opportunity to assist you.Your correspondence states that, during a conversation with the Bank, you told the representative you could notmake a payment until August 26, 2016. During that conversation, you scheduled payments for your abovereferencedaccounts to be made on August 26, 2016. When you checked your deposit account on August 26,2016, you found that two attempts to withdraw the funds from your personal deposit account had been made foreach account before August 26, 2016, resulting in six overdraft fees of $33.00 from your bank. You called theBank and were told to file a dispute. You asked the representative to listen to the applicable telephone call andat first, were given incorrect information regarding the content of the conversation. Subsequently, you listenedto the call simultaneously with a Bank representative and found that you had in fact requested the payments tobe arranged for August 26, 2016.We previously received and responded to your correspondence submitted to the State of Delaware regardingthis same matter. Please find enclosed a copy of our response sent to you on October 21, 2016.In our previous response, we advised that you did in fact request the payments to be scheduled for August 26,2016; however, when the representative read back the details of the transactions during the disclosure, sheconfirmed the payments would be processed on August 16, 2016; and you agreed to the terms. We apologizefor the inconvenience this has caused. 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 thisstandard was not met. Please be assured this matter has been forwarded to our management team for furtherreview and coaching.I hope you found this information to be helpful. Should you have any additional questions or concerns about theaccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Amanda R**
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. My original complaint was mistaken, but I did not realize that from my previous communications with them. The previous customer service representatives did not address my complaint properly and gave me inaccurate information. After opening this complaint with the Revdex.com, they addressed this misunderstanding promptly and thoroughly.
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Carson’s credit card. We are here to answer
your questions and assist with your concerns.
We...
understand from your complaint that on
December 24, 2016, you charged $5.49 to the account and the payment was due
January 27, 2017. You paid the balance on January 10, 2017. On January 4, 2017,
and January 11, 2017, you ordered a pair of boots. The bill totaled $86.20 and
the payment was due February 21, 2017. You returned both pairs of boots on
January 18, 2017, with the return label, you confirmed the boots were received
on January 31, 2017, however, you were charged a late fee. You want to know why
you were charged a late fee for something you don’t have. I am happy to share
my findings.
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. The account’s due date is the 21st of each
month.
Bank records indicate a charge in the amount of
$43.10 for MS SHOES posted to the account on January 4, 2017, and January 11,
2017. A billing statement was issued January 26, 2017, with a balance of $86.20
and a minimum payment of $27.00 due by February 21, 2017. Due to no payment being
received by the due date, a late fee and finance charge was assessed. The
returns posted in the amount of $77.25 on January 31, 2017. The account did not
receive credit for the return label fee of $8.95.
A billing statement was issued on February 23,
2017, with a balance of $37.95 and a minimum payment of $13.95 due by March 21,
2017. A payment in the amount of $37.95 posted to the account on March 11,
2017.
The Bank received your dispute on March 10,
2017, regarding the late fee assessed. Please be assured the late fee of $27.00
and the finance charge of $2.00 were credited on March 13, 2017. There is a credit
in the amount of $29.00 on the account.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####.
Sincerely,
Kaija M[redacted]
Dear Larhonda D. Lacour: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 previously received and responded to correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response sent to you on June 12, 2017.As stated in our previous response, please contact our Account Protection Team at the phone number listed below and reference case number [redacted], should you have any additional questions regarding your fraud case.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responses
Dear Ms. [redacted]
We received your additional complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you. Thank you for taking the time to speak with me on September 4, and September 8, 2015, regarding the late fees applied to your HSN credit card account. You are requesting that the Bank discontinue charging your account $35.00 in late fees, and refund the previously assessed late fees that were charged in May 2015 and June 2015. I understand your concerns, and I sincerely apologize for any frustration you may have experienced. As a follow up to our conversation, the Bank made a system adjustment to reduce the past due amount and the current payment amount due on September 28, 2015, to zero. Please be advised, due to this adjustment, no late fee will be assessed to the account for the month of September 2015. Going forward, by making the minimum payment required by the due date, which is the 28th of each month, your account should remain current. If 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 and finance charge, as explained in the Credit Card Agreement (CCA). Enclosed, please find a copy of the CCA for your records. Please be advised that no late fee was assessed to your account in May 2015. However, in the interest of customer service, credits totaling $70.00 were issued to the account to remove two previously assessed late fees. We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Lauren Smith [redacted]
Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues BrylaneHomeD credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to...
your concerns.We understand from your complaint that you are being charged late fees even though youbelieve you have paid your bill on time for three years. You are requesting the late fees beremoved, to no longer be contacted by telephone, and catalogs and bills to no longer be sent.Enclosed are billing statements which show the account activity that comprised the accountbalance. Use of the account, or failure to close the account within 30 days of receiving theCredit Card Agreement (CCA), jndicated your acceptance of the terms of the agreement.including the assessment of any finance charges and fees.Banks records indicate the BrylaneHome account was opened on April 14, 2013. The lastpurchase of $239.95 was made on April 23, 2013, and the last payment of $30.00 was receivedon December 31, 2015. As of the date of this letter. the account balance is $661 24 with aminimum payment of $55.00 due by February 28. 2016. The account is one billing period pastdue.Your payment due date is the 28th of each month. Please keep in mind that when payments arenot 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.As the Bank finds the above-referenced account balance to be valid, we respectfully decline therequest to remove any late fees. Billing statements will be issued until the account is paid in fullor if the account charges off for nor-payment.Additionally, per your request, we have updated the status on the acwunt to ensure that you nolonger receive telephone calls from Comenity Bank regarding the BrylaneHome@account. However, the Bank may contact you by mail, or service of court filing, which would bein compliance with state and federal law.As of February 12, 2016, the Bank requested the catalogs to be canceled. Please allow 4-6weeks for the catalogs to stop.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda RayCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. But I would like the refund processed before this complaint is closed.
Regards, [redacted]
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Pottery Barn credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence that...
your Pottery Barn account was charged a late fee of $27.00. You contacted Pottery Barn, but did not receive assistance. You sent payment, in advance, and are not sure why the late charge was added to your account. Furthermore, you would like to have the late fee refunded. Please note Comenity Bank and Pottery Barn are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Pottery Barn is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate your payment due date is the sixth of every month. Your Pottery Barn 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. In the interest of customer service, I have issued a $27.00 credit for the previously assessed late fee. 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]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted]’s credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint in which you state you made a payment in full...
the same day you made your purchase. You further state you do not owe a balance on the account and you are requesting that the account be adjusted to show a zero balance. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on July 7, 2016, a [redacted]’s account was opened in the name of [redacted]. A purchase of $27.38 was charged to the account the same day. If you have documentation that confirms the purchase was paid for using another method of payment, please send the documentation to the address above.Based on the information in your complaint, we have issued a credit for all Bank fees assessed to the account. This left a credit of $132.16 on the account; therefore, the Bank issued a refund check in this amount. You should receive this within 14 days under separate cover.In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the [redacted]’s account, in its entirety. Please allow 45 days for the credit-reporting agencies to update their records.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,Jenny W[redacted]
Dear [redacted]:We received the inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues ANN TAYLOR credit card accounts, and we are here to help with your account-related questions. Your inquiry was forwarded to my...
attention, and I appreciate the opportunity to address your concerns. We understand from your correspondence, you purchased a gift at an Ann Taylor store and signed up for a credit card. When the invoice was sent to you, it was addressed from Comenity Bank, not Ann Taylor. You did not realize that Comenity Bank would be issuing the credit card and you must have thrown the invoice out with your junk mail. When you received a phone call from Comenity Bank, you paid the balance in full. You are requesting that the 30-day delinquency is removed from your credit report and you ask for a letter confirming the removal and that the account is in good standing.Our records indicate on January 25, 2015, an ANN TAYLOR credit application was processed at the store; the application was approved and an account was opened. At that time, the store associate should have issued you Comenity Bank’s Credit Card Agreement (CCA), and Privacy Notice. Use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges, and fees. On January 26, 2015, Comenity Bank mailed your “Welcome Kit” which included your ANN TAYLOR credit card and a copy of the CCA.On the same day, the account was opened, and a purchase for $109.82 was charged to the account. A statement was issued on February 19, 2015, indicating a balance of $109.82 with a payment of $25.00, due by March 17, 2015. A second statement was issued on March 22, 2015, indicating a balance of $137.28 with a payment of $32.00 due by April 17, 2015. As no payment was received by the March 17, 2015, and April 17, 2015, due dates, late fees and finance charges were assessed to the account. Furthermore, the account fell two billing cycles past due and was reported as 30-days late on your credit report. On May 11, 2015, a payment in the amount of $187.24, was received, bringing the account balance to zero.Please understand that Comenity Bank can only remove or change information that our company incorrectly furnished to the credit-reporting agencies. After reviewing our records, we found the information we reported is accurate and it will not be adjusted or removed.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) Trans Union (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter, and we hope you find this information helpful. Should you have any further questions or concerns regarding the account, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Tionna M[redacted]
Dear Ms. [redacted]:We received your recent complaint regarding the Lane Bryant Retail credit card account.Comenity Bank issues the above-noted credit card, and we are here to help with your accountrelatedquestions and concerns. Your complaint, addressed to the Revdex.com, wasforwarded to my...
attention and I appreciate the opportunity to assist you.I understand from your complaint, you enrolled in a free trial for "My Card Extras Plus". Youstate, you called and cancelled the program before the thirty day free-trial was up. You noticedon your monthly billing statement that you had been charged $9.95 for the My Card Extra Plusprogram. You called and were told credit would be issued for the $9.95, and a $1.00 late fee.To date additional fees have been bitted to your Lane Bryant Retail credit card, resulting in abalance of $36.85 and no credits have been issued.You are requesting Comenity Bank credit all fees assessed as a result of the My Card ExtraPlus charge, and to send notification to the credit reporting agencies advising your account iscurrent.The Bank has reviewed the issues in your complaint; however, we are unable to locate thetelephone conversation listed in your complaint. We apologize for any frustration orinconvenience you have experienced as a result of this matter.Please be assured, the My Card Extra Plus credit card program was cancelled on August 24,2015. Credit totaling $36.85, has posted to your Lane Bryant Retail credit card account, whichwill reflect on your next billing statement.Please be advised, we have updated the payment history and notification has been sent to thecredit reporting agencies advising of this update, please allow them 45 days to update their files.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely, Geanine M[redacted]
Dear [redacted]
We have received the inquiry you sent to the RevDex.com (Revdex.com), regarding the above-noted account. Your correspondence was forwarded to
Comenity Bank.
Comenity Bank issues the Younkers credit card,
and we are here to help answer your questions. I appreciate the opportunity to assist you
with your concerns.
We previously received and responded to your
correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our response
sent to you on November 24, 2015.
As stated in our prior response, the item for
$95.37 was received by Younkers mail order and credited to your above account
on October 10, 2015. Our records further
show a new purchase on October 16, 2015, for $140.20 made at the Younkers store
in [redacted]
For your records we have enclosed copies of
your billing statements from September 2015 through March 2016, that will show
how the balance arrived at $142.87. In
addition, we have enclosed a copy of the store receipt for the purchase of
$140.20.
Comenity Bank did not find any errors on your
account and we consider the balance to be valid, and this matter closed.
We hope you find this information
helpful. If you have any further
questions, please feel free to contact me at ###-###-####, ext. [redacted]
(TDD/TTY###-###-####). I will be happy
to assist you.
Sincerely,
Jack C[redacted]