I apologize for not writing to answer your letter, and check from Comenity Bank. I have no use for Comenity Bank. It is from this bank that a man called me, and he said "Wouldn't you like to get Tog Shop off your back," and I said "Yes I would, but I don't owe them a dime." He said I know you don't, but they will never quit writing and calling you. Let's make a deal, they say you owe $80 some dollars in late payments. If you will send $40 (will have to look up, exact amount) I said I will send 1/2 of this amount and he said he would send the other and the account should be closed. Well, I sent my 1/2, but he never did send his 1/2. I am still hoping to find out who he is. He said he was with Comenity Bank. Such a liar. of course my opinion of Comenity Bank went way down. Thank you so much for defending me, and thank you for the checks. We really appreciate Revdex.com, and why didn't we contact you months ago?Sincerely,[redacted] Age 87
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Woman Within® credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you were notified several times regarding an overdueaccount, even though our online Account Center showed you owed nothing. You sent all yourpayment information, but have heard nothing. This has resulted in delinquencies being reportedto the credit bureau. You finally spoke with an associate and were advised you had two accountsin your name. You are stating that when you attempted to notify the Bank of your name change,you believe we opened a new account. You have not received any documentation regarding thisnew account. You also are unable to view the account online, as you must register with anaccount number. You have attempted to request the account number by phone and mail and stillhave not received it. You are willing to pay the original amount. You are requesting that the latefees, interest, and negative credit reporting be removed.Thank you for speaking with me on November 1, 2016. Please find a summary of ourconversation below.Bank records indicate the Woman Within® account ending in 1249 was opened on July 14, 2009,in the name of [redacted]. The last purchase of $91.02 was made on August 12, 2013, andthe last payment of $91.02 was received on August 27, 2013. Your address was changed to theaddress above, minus your apartment number, on February 15, 2013, and we were not notifiedof your name change.The Woman Within® account ending in 8153 was opened on September 22, 2015, in the nameof [redacted]. The last purchase of $78.05 was charged to the account on September 24,2015, and the Bank has not received a payment for this account. This account was a preapprovalacceptance that was processed when you placed your order on September 22, 2015. Thisaccount was opened with the address above.On February 29, 2016, the Bank received your dispute regarding the issues in this complaint. OnMarch 3, 2016, a response was sent that advised all Bank fees had been credited, and your creditreport was updated to remove any delinquencies. A copy of this letter is included for your records.Additional disputes were initiated when you were speaking with Bank representatives. Thesedisputes stated that you paid the account off with payments made in September and October 2015. The Bank responded that we had no record of these payments, and advised whatinformation was necessary to research the payments. These responses are also included foryour records.Please be advised, we have no record of any payment made to the account ending in 8153. Ifpayments have been remitted, please follow the directions provided in the previous response, sowe can research.In the interest of customer service, we have issued credits for the previously assessed fees, whichwill provide you with a balance of $78.05 for your original purchase. I have enclosed copies ofthe billing statements which show the account activity that comprised the account balance.Additionally, notification was sent to the national credit-reporting agencies with instructions toremove the delinquencies that were reported for the Woman Within® account ending in 8153.Please allow 45 days for them to update their records.If you have further questions regarding the orders billed to your accounts, please contact WomanWithin at (800) 477-7030.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contact meat (800) 675-5685, ext. 7293772 (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Carson’s, LOVELOFT, and The Limited credit cards. We arehere to answer your questions and assist with your concerns.We understand your March 2017 payments were rejected for...
insufficient funds. Since April 2017,when attempting to set up payment through Account Center, you receive an error messageadvising to contact Customer Care for help. You state that you have called and explained thatyou are unable to set up the payment online, and were walked through the process and still hadno luck. Since April, you constantly have to make your payment via phone, and in May yourequested to also schedule the payment for June. You were advised that you would need to waittill the due date. On June 11, 2017, you attempted to set up the payment but received the sameerror. When calling in on Sunday the Bank was closed, so you called on Monday and paid thebalance in full. You were assessed a late fee. You are requesting to have the late fee removedfrom all three of your accounts, and to have your online access fixed so that you don’t have to callCustomer Care. Furthermore, you request to have the delinquency removed from your creditreport.When payments made through the Account Center are returned, the bank account cannot beused to make further online payments. In order to utilize the Account Center for future payments,you would need to use a different bank account than the one previously selected.We understand that you attempted to pay the account(s) in advance to avoid late payment. Atthis time the Bank does not offer the option of paying in advance on any credit card account.To keep your account in good standing, please pay at least the minimum due indicated on yourstatement each month. Any amount paid in excess of the minimum due will be credited to yourbalance for the billing period in which that payment is received.To provide the best customer service possible, we offer multiple ways to make a payment.? In-store: If the retailer listed on your card has a store near you, you may be able to dropoff your payment in the store so it can be applied to your account on the same day. Checkthe back of your billing statement to see if in-store payments are available for your account.? Online: Online payments submitted through the Bank’s online Account Center before 8:00p.m. Eastern Time (ET) will be credited to your account on the same day, unless youselect a date in the future. Online payments submitted after 8:00 p.m. ET will be creditedthe following day (or on a future scheduled payment date).? Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re apaperless customer, print out a payment stub on the online account management site soyour payment is processed as quickly as possible.? Phone: If you need to make a same-day payment, you may call us at the phone numberon the back of your billing statement before 8:00 p.m. ET to speak to a Customer Carerepresentative. A fee may apply to same-day, expedited payments made with therepresentative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterAft...⇄ further review, courtesy late fee credits were issued on the Carson’s account in September2016, and on the LOVELOFT account in November 2016; as such, these accounts do not qualifyfor any further credits. In the interest of customer service, we have credited a late fee in theamount of $27.00 on The Limited account.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.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Comenity should have process the dispute the first time I sent it instead of denying it the first time.
Regards,
[redacted]
Comenity 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 complaint, you were re-billed for items that you...
returned in June 2016. You state that the account was credited $418.56 on the July 2016 billing statement; however, on the August 2016 billing statement, the amount was charged again as two transactions: $70.97 and $347.59, totaling $418.56. You state the Bank was contacted and verified this was correct. You request a credit adjustment of $418.56. I am happy to share my findings. Bank records indicate that you spoke with the Bank on September 26, 2016, regarding the matter. On your behalf, a representative disputed the transactions of $70.97 and $347.59. While the Bank was investigating this matter, the account was provided a provisional credit for both transactions. At the completion of your dispute, and explained in the letter dated November 16, 2016, the transactions were found to be valid and the provisional credits were removed. We contacted POTTERY BARN again, on your behalf, regarding this matter. We were advised that there was an order charged to the account on May 28, 2016, in the amount of $2,422.72. A portion of this purchase, totaling $418.56, was on back order; therefore, on June 8, 2016, POTTERY BARN credited the account $418.56. On July 5, 2016, and July 6, 2016, the items on back order were filled, and charged to the account. Please be assured the account was not double charged for these items. There is currently a balance of $435.60, with a minimum payment of $27.00, due by December 28, 2016, and no credit is due on the account at this time. 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
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 namesThis 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.
It did not addressed how I was harassed from sun up to sun down. It did not address that I was the one who contact them first in writing and by telephone before my accounts were in arrears and told them of my predicament. I tried to work out a lower payment arrangement @ $25.00 monthly until my benefits were started and it was rejected. This letter sound as it they are willing to help now but when I tried on my own they were not as helpful. Once again, I can only pay $25 monthly until my benefits start and I want to cancel the following accounts, Avenue, woman within, full beauty, and brylane home. I will still pay them out.
Regards,[redacted]
Dear [redacted]We received a complaint that you sent to the Revdex.com regarding the above-notedaccount. Comenity Bank issues the Victoria's Secret/PtNK credit card, and we are here to helpanswer your questions. I appreciate the opportunity to assist you with your concerns.Your...
complaint states that you never had an account with Victoria's Secret/PINK, and that younever received any statements for the account. You have also requested the account bedeleted from your credit file.Enclosed is a copy of the Credit Card Agreement (CCA), as well as copies of the billingstatements, which show the account activity that comprised the account balance anddelinquencies, which were reported to the credit bureaus. Afier reviewing the accountinformation with the Bank, here is what we have noted.The Victoria's Secret/PlNK account was opened on April 13, 2013, in the name ofKaren L. Gardner.The last payment on the account was in the amount of $0.00.The last billing statement, issued on November 17, 2013, reflected a balance of$923.49.The account wrote-off due to non-payment on December 18, 2013, with a write-offbalance of $943.29.The Bank then sold the account to Portfolio Recovery on May 14, 2015.As you state that you never opened or had a Victoria's Secret/PlNK account, please be assuredthat our Account Protection team has contacted Portfolio Recovery and requested the account,be returned to Comenity Bank. A fraud case has been set up and an investigator assigned.We hope this information is helpful. For further questions or concerns, please contact AccountProtection, Bradley T[redacted] at ###-###-#### and reference case ########. He will behappy to assist you.Sincerely,Shawnda Y[redacted]
They were dishonest in opening a second credit account that I did not know about. By the time I realized there was a second account it has already had fees charged to it. I will not pay them. I paid in full the account I was aware of. I also sent in my money order for the remaining $21.50 I owed and not one penny more will be paid. You just do not open multiple accounts for people and expect them to understand you did this. Anywhere else I've applied for credit I've only been given one account.
[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: 10650411
I am rejecting this response because: proof that a return was made was mailed, as directed by a customer service member from Comenity Bank, in March 2015. The value of the return exceeded the account balance. Even if Pottery Barn was unable to fully credit my account because of the rewards certificate that was used, it should have been credited for all but the value of the $25 rewards certificate, making my balance $25.00 instead of the $60.37 posted -- and the interest charged should account for that difference as well. At the end of the day, I no longer have the purchase I made using the card because it was returned on November 7, 2014 in Indianapolis, Indiana. If this was erroneously reported to Comenity, or not reported at all, that is not my fault, and I'm not sure that I should be responsible for all of the interest and charges that have accumulated because of someone else's error.
Regards,
Seton Goddard
January 17, 2017 [redacted] RE: [redacted]Revdex.com Complaint ID 11931801 Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card account. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence. You state you have made a payment online and received confirmation the payment went through. However, the payment was not processed and you were charged two returned payment fees. You are requesting for the $50.00 returned fees to be credited back to your account; as you were unaware of the return payment. Bank records indicate that a payment of $50.00 was scheduled online on January 6, 2017. The Bank processed this payment from your personal bank account as scheduled; however, on January 10, 2017, the payment was returned, due to an invalid checking account number. As a result, the $50.00 payment was added back to the balance and a return fee of $25.00 was assessed; the account was temporarily restricted for further purchases. When customers submit an online payment, customers will receive the following confirmation message: “This is a confirmation of your payment authorization on (Date) to Comenity Bank via as internet connection, as a single electronic debit from a debit card and/or ACH electronic from a bank account in your name on (Date) for ($) to your credit card account”. Please note the confirmation message is to advise our customers that their payment has been submitted to us; however, the customer’s bank has to authorize the payment. Additionally, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of 90 days. Once the Bank receives three months of on-time payments, the restrictive status is removed. We are unwilling to remove the return fee from your account. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues avenue®, VICTORIA’S SECRET, and NEW YORK & COMPANY 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 previously received and responded to your complaint submitted to Comenity Bank regarding this same matter. Please find enclosed copies of our responses sent to you on March 10, 2016, and March 11, 2016. 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 accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear [redacted]We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. I appreciate the opportunity to assist you.Your complaint...
states that the Victoria’s Secret/PINK account was placed on a fraud hold although you have provided your personal information, by phone, on multiple occasions. You also state that you will not send in the personal information, such as the front/back of your driver’s license, social security card, or utility bill, as someone may be able to copy and use the information.We reviewed your account and we apologize for any frustration or inconvenience this matter has caused you.Comenity Bank received notice from the Loss Prevention team at Victoria’s Secret regarding information that is consistent with suspicious activity. As such, Comenity Bank blocked the account on June 19, 2015, to deter your account from being used fraudulently.It is not the Bank’s intention to cause a customer a hardship. It is the Bank’s responsibility to protect the customer’s privacy of information and account from possible fraudulent activity. As such, in order to remove the block and establish account utility, we must receive a copy of your driver’s license, social security card, and a current utility bill.I have spoken to our Account Protection management team, and they are willing to have you scan and email the information for a faster response than normal, which by mail, can take up to 30 days. If you would like to take advantage of this, you can email the information to the attention of Abby Kritikos-Account Protection Manager at [email protected] be advised that without receiving this information, Comenity Bank is unable to remove the block from your account.You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection team; toll free, at ###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Mr. [redacted]:Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesStage credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and...
Iappreciate the opportunity to assist you.I understand from your complaint, you missed a couple of your first payments on your Stageaccount due to the billing statements being sent to your street address, rather than your mailing2address. Due to this matter, derogatory payment information has been reported on your creditbureau report. You are requesting to have the derogatory information removed from your creditbureau report.Please note, billing statements have been issued via direct mail to the physical address listedon the Stage credit card account, beginning on May 16, 2014, until the address was updated toyour PO Box address on January 21, 2015. 1 have included all available billing statements foryour records.Bank records indicate the account was reported as current from May 2014 through December2014. The account became 30 days past due in January 2015 and 60 days past due inFebruary 2015.Comenity Bank is required by law to report factual data to the credit bureaus with regard toaccount activity. At this time, Comenity Bank finds no errors in its reporting of the Stage creditcard account to the credit bureaus.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
I would like My response forwarded to the president of the company or CEO. I have attached a copy of the error message I got every time I tried to attempt to make a paymen that dayt. I never had issues with the online system until that day. I also asked for a review of the call. No proof was notated that the call was reviewed. I refuse to take no as an answer because their system was at fault. If an option is available it should be available and if theirs an issue with their payment options, they should take responsibility for the issue. Just like I took full responsibility and paid all the other fees that has been placed on my account.
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card account. Comenity Capital Bank issues GameStop PowerUp Rewards™ 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 the complaint that you received a late fee because you made a payment after the due date but before the next billing cycle. You state that you requested to have the late fee removed, however your request was denied. You believe the payment processing time is both confusing and misleading. Additionally, you request that any negative payment information be removed from your credit report. We understand your concerns, and sincerely apologize for any confusion this matter may have caused you. After a thorough review of the above-referenced account, records indicate a late fee of $27.00 was assessed to the account on April 4, 2016, after non-receipt of payment. Records further indicate that a payment of $40.00 was received on April 16, 2016. Please be advised that your due date is the fourth of each month, and this date will not change. 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. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account the same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your GameStop PowerUp Rewards™ credit card account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http;//www.comenity.net/comenity/Using Account/CustomerResourceCenter.Although there were no Bank errors, in the interest of customer service, we issued a $27.00 credit for the previously assessed late fee. As of the date of this letter the balance on your GameStop PowerUp Rewards™ account is $280.17. Please be assured that no negative payment information has been reported regarding the GameStop PowerUp Rewards™ account.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,Ashley R[redacted]
Dear Mrs. [redacted] We receivedthe complaint that you sent to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues AnnTaylor/LOFT credit card accounts, and we are here to help answeraccount-related questions. Yourcomplaint was forwarded to my...
attention, and I appreciate the opportunity toaddress your concerns. We understand from yourcomplaint that you have an Ann Taylor/LOFT credit card account with ComenityBank and that you have been on time with your payments, except for this month. You state that you were three weeks late for$39.00, and that you received four to five recorded calls from the Bank in aday. Please be advised, when the Bank’s recordsshow an account as delinquent, the Bank will make attempts to contact youregarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to acurrent status. Due to potential negative ramifications for our customersif an account remains delinquent, Comenity Bank will utilize a Dialer System toplace outbound calls to a customer until our attempt to communicate issuccessful. After a thorough investigation, our recordsindicate that we attempted to contacted you via our Dialer System on July 17,2015, at 9:07 a.m. and 11:42 a.m. Our records further indicate that youcontacted our Payment Solutions team on July 17, 2015, at 12:01 p.m. to make apromise to pay arrangement. Although this arrangement was documentedon the account, our database files do not update until the end of business eachday; as a result, the existing promise entered was not recognized by the system, hence why additional phone calls were made on July 17, 2015, at 12:58 p.m.,2:21 p.m., and 4:34 p.m. If you wish to no longer receive reminder calls on the dialer, pleasecontact Customer Care at ###-###-####, to update your phone number methods. They will be happy to assist you. I apologize for any inconvenience thismatter may have caused you, and I hope this information is helpful. Should you have any further questions orconcerns regarding this letter, please contact me directly at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted] Consumer Relations Specialist
Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret/PINK credit card accounts, we respond to all account-related inquiries. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to assist you.We...
understand your concerns regarding the outstanding balance on the above-noted account. We also understand your request to have all the late fees credited to your account. We apologize for any confusion you may have experienced.Our research indicates that you made a purchase, in the amount of $274.65 on June 29, 2015; returning items on July 22, 2015, totaling $159.65. A new purchase, in the amount of $37.52 was charged to the account on August 6, 2015, and you had a minimum payment of $25.00 due by August 17, 2015. Payment was not received by the due date; as such, the account was assessed a late fee and finance charge.On August 29, 2015, we received payment of $115.00, and an additional payment of $37.50 on September 11, 2015.A statement was issued on September 21, 2015, and the account required a minimum payment of $25.00 due by October 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.A statement was issued on October 22, 2015, and the account required a minimum payment of $30.00 due by November 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.You contacted the Bank on October 28, 2015, and as a courtesy, the account was credited one $25.00 late fee, which meant you still had to pay the remaining balance of $30.59. As payment was not received, the account was assessed a late fee and a finance charge.You made contact with the Bank again on November 24, 2015, and as an additional courtesy, the account was credited for a late fee of $30.00. However, as you remained responsible for the remaining balance and payment was not received, the account was assessed a late fee and finance charge.As explained above and reflected on the enclosed statements, the Bank received payments after the payment due date, resulting in late fees and finance charges; pursuant to the terms and conditions outlined in the Credit Card Agreement (CCA). Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $67.59 to remove the remaining balance.We 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.
I apologize for not writing to answer your letter, and check from Comenity Bank. I have no use for Comenity Bank. It is from this bank that a man called me, and he said "Wouldn't you like to get Tog Shop off your back," and I said "Yes I would, but I don't owe them a dime." He said I know you don't, but they will never quit writing and calling you. Let's make a deal, they say you owe $80 some dollars in late payments. If you will send $40 (will have to look up, exact amount) I said I will send 1/2 of this amount and he said he would send the other and the account should be closed. Well, I sent my 1/2, but he never did send his 1/2. I am still hoping to find out who he is. He said he was with Comenity Bank. Such a liar. of course my opinion of Comenity Bank went way down. Thank you so much for defending me, and thank you for the checks. We really appreciate Revdex.com, and why didn't we contact you months ago?Sincerely,[redacted] Age 87
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Woman Within® credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you were notified several times regarding an overdueaccount, even though our online Account Center showed you owed nothing. You sent all yourpayment information, but have heard nothing. This has resulted in delinquencies being reportedto the credit bureau. You finally spoke with an associate and were advised you had two accountsin your name. You are stating that when you attempted to notify the Bank of your name change,you believe we opened a new account. You have not received any documentation regarding thisnew account. You also are unable to view the account online, as you must register with anaccount number. You have attempted to request the account number by phone and mail and stillhave not received it. You are willing to pay the original amount. You are requesting that the latefees, interest, and negative credit reporting be removed.Thank you for speaking with me on November 1, 2016. Please find a summary of ourconversation below.Bank records indicate the Woman Within® account ending in 1249 was opened on July 14, 2009,in the name of [redacted]. The last purchase of $91.02 was made on August 12, 2013, andthe last payment of $91.02 was received on August 27, 2013. Your address was changed to theaddress above, minus your apartment number, on February 15, 2013, and we were not notifiedof your name change.The Woman Within® account ending in 8153 was opened on September 22, 2015, in the nameof [redacted]. The last purchase of $78.05 was charged to the account on September 24,2015, and the Bank has not received a payment for this account. This account was a preapprovalacceptance that was processed when you placed your order on September 22, 2015. Thisaccount was opened with the address above.On February 29, 2016, the Bank received your dispute regarding the issues in this complaint. OnMarch 3, 2016, a response was sent that advised all Bank fees had been credited, and your creditreport was updated to remove any delinquencies. A copy of this letter is included for your records.Additional disputes were initiated when you were speaking with Bank representatives. Thesedisputes stated that you paid the account off with payments made in September and October 2015. The Bank responded that we had no record of these payments, and advised whatinformation was necessary to research the payments. These responses are also included foryour records.Please be advised, we have no record of any payment made to the account ending in 8153. Ifpayments have been remitted, please follow the directions provided in the previous response, sowe can research.In the interest of customer service, we have issued credits for the previously assessed fees, whichwill provide you with a balance of $78.05 for your original purchase. I have enclosed copies ofthe billing statements which show the account activity that comprised the account balance.Additionally, notification was sent to the national credit-reporting agencies with instructions toremove the delinquencies that were reported for the Woman Within® account ending in 8153.Please allow 45 days for them to update their records.If you have further questions regarding the orders billed to your accounts, please contact WomanWithin at (800) 477-7030.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contact meat (800) 675-5685, ext. 7293772 (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Carson’s, LOVELOFT, and The Limited credit cards. We arehere to answer your questions and assist with your concerns.We understand your March 2017 payments were rejected for...
insufficient funds. Since April 2017,when attempting to set up payment through Account Center, you receive an error messageadvising to contact Customer Care for help. You state that you have called and explained thatyou are unable to set up the payment online, and were walked through the process and still hadno luck. Since April, you constantly have to make your payment via phone, and in May yourequested to also schedule the payment for June. You were advised that you would need to waittill the due date. On June 11, 2017, you attempted to set up the payment but received the sameerror. When calling in on Sunday the Bank was closed, so you called on Monday and paid thebalance in full. You were assessed a late fee. You are requesting to have the late fee removedfrom all three of your accounts, and to have your online access fixed so that you don’t have to callCustomer Care. Furthermore, you request to have the delinquency removed from your creditreport.When payments made through the Account Center are returned, the bank account cannot beused to make further online payments. In order to utilize the Account Center for future payments,you would need to use a different bank account than the one previously selected.We understand that you attempted to pay the account(s) in advance to avoid late payment. Atthis time the Bank does not offer the option of paying in advance on any credit card account.To keep your account in good standing, please pay at least the minimum due indicated on yourstatement each month. Any amount paid in excess of the minimum due will be credited to yourbalance for the billing period in which that payment is received.To provide the best customer service possible, we offer multiple ways to make a payment.? In-store: If the retailer listed on your card has a store near you, you may be able to dropoff your payment in the store so it can be applied to your account on the same day. Checkthe back of your billing statement to see if in-store payments are available for your account.? Online: Online payments submitted through the Bank’s online Account Center before 8:00p.m. Eastern Time (ET) will be credited to your account on the same day, unless youselect a date in the future. Online payments submitted after 8:00 p.m. ET will be creditedthe following day (or on a future scheduled payment date).? Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re apaperless customer, print out a payment stub on the online account management site soyour payment is processed as quickly as possible.? Phone: If you need to make a same-day payment, you may call us at the phone numberon the back of your billing statement before 8:00 p.m. ET to speak to a Customer Carerepresentative. A fee may apply to same-day, expedited payments made with therepresentative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterAft...⇄ further review, courtesy late fee credits were issued on the Carson’s account in September2016, and on the LOVELOFT account in November 2016; as such, these accounts do not qualifyfor any further credits. In the interest of customer service, we have credited a late fee in theamount of $27.00 on The Limited account.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.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Comenity should have process the dispute the first time I sent it instead of denying it the first time.
Regards,
[redacted]
Comenity 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 complaint, you were re-billed for items that you...
returned in June 2016. You state that the account was credited $418.56 on the July 2016 billing statement; however, on the August 2016 billing statement, the amount was charged again as two transactions: $70.97 and $347.59, totaling $418.56. You state the Bank was contacted and verified this was correct. You request a credit adjustment of $418.56. I am happy to share my findings. Bank records indicate that you spoke with the Bank on September 26, 2016, regarding the matter. On your behalf, a representative disputed the transactions of $70.97 and $347.59. While the Bank was investigating this matter, the account was provided a provisional credit for both transactions. At the completion of your dispute, and explained in the letter dated November 16, 2016, the transactions were found to be valid and the provisional credits were removed. We contacted POTTERY BARN again, on your behalf, regarding this matter. We were advised that there was an order charged to the account on May 28, 2016, in the amount of $2,422.72. A portion of this purchase, totaling $418.56, was on back order; therefore, on June 8, 2016, POTTERY BARN credited the account $418.56. On July 5, 2016, and July 6, 2016, the items on back order were filled, and charged to the account. Please be assured the account was not double charged for these items. There is currently a balance of $435.60, with a minimum payment of $27.00, due by December 28, 2016, and no credit is due on the account at this time. 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
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 namesThis 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.
It did not addressed how I was harassed from sun up to sun down. It did not address that I was the one who contact them first in writing and by telephone before my accounts were in arrears and told them of my predicament. I tried to work out a lower payment arrangement @ $25.00 monthly until my benefits were started and it was rejected. This letter sound as it they are willing to help now but when I tried on my own they were not as helpful. Once again, I can only pay $25 monthly until my benefits start and I want to cancel the following accounts, Avenue, woman within, full beauty, and brylane home. I will still pay them out.
Regards,[redacted]
Dear [redacted]We received a complaint that you sent to the Revdex.com regarding the above-notedaccount. Comenity Bank issues the Victoria's Secret/PtNK credit card, and we are here to helpanswer your questions. I appreciate the opportunity to assist you with your concerns.Your...
complaint states that you never had an account with Victoria's Secret/PINK, and that younever received any statements for the account. You have also requested the account bedeleted from your credit file.Enclosed is a copy of the Credit Card Agreement (CCA), as well as copies of the billingstatements, which show the account activity that comprised the account balance anddelinquencies, which were reported to the credit bureaus. Afier reviewing the accountinformation with the Bank, here is what we have noted.The Victoria's Secret/PlNK account was opened on April 13, 2013, in the name ofKaren L. Gardner.The last payment on the account was in the amount of $0.00.The last billing statement, issued on November 17, 2013, reflected a balance of$923.49.The account wrote-off due to non-payment on December 18, 2013, with a write-offbalance of $943.29.The Bank then sold the account to Portfolio Recovery on May 14, 2015.As you state that you never opened or had a Victoria's Secret/PlNK account, please be assuredthat our Account Protection team has contacted Portfolio Recovery and requested the account,be returned to Comenity Bank. A fraud case has been set up and an investigator assigned.We hope this information is helpful. For further questions or concerns, please contact AccountProtection, Bradley T[redacted] at ###-###-#### and reference case ########. He will behappy to assist you.Sincerely,Shawnda Y[redacted]
They were dishonest in opening a second credit account that I did not know about. By the time I realized there was a second account it has already had fees charged to it. I will not pay them. I paid in full the account I was aware of. I also sent in my money order for the remaining $21.50 I owed and not one penny more will be paid. You just do not open multiple accounts for people and expect them to understand you did this. Anywhere else I've applied for credit I've only been given one account.
[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: 10650411
I am rejecting this response because: proof that a return was made was mailed, as directed by a customer service member from Comenity Bank, in March 2015. The value of the return exceeded the account balance. Even if Pottery Barn was unable to fully credit my account because of the rewards certificate that was used, it should have been credited for all but the value of the $25 rewards certificate, making my balance $25.00 instead of the $60.37 posted -- and the interest charged should account for that difference as well. At the end of the day, I no longer have the purchase I made using the card because it was returned on November 7, 2014 in Indianapolis, Indiana. If this was erroneously reported to Comenity, or not reported at all, that is not my fault, and I'm not sure that I should be responsible for all of the interest and charges that have accumulated because of someone else's error.
Regards,
Seton Goddard
January 17, 2017 [redacted] RE: [redacted]Revdex.com Complaint ID 11931801 Dear [redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card account. We are here to answer your questions and assist with your concerns. We understand your concerns as explained in your correspondence. You state you have made a payment online and received confirmation the payment went through. However, the payment was not processed and you were charged two returned payment fees. You are requesting for the $50.00 returned fees to be credited back to your account; as you were unaware of the return payment. Bank records indicate that a payment of $50.00 was scheduled online on January 6, 2017. The Bank processed this payment from your personal bank account as scheduled; however, on January 10, 2017, the payment was returned, due to an invalid checking account number. As a result, the $50.00 payment was added back to the balance and a return fee of $25.00 was assessed; the account was temporarily restricted for further purchases. When customers submit an online payment, customers will receive the following confirmation message: “This is a confirmation of your payment authorization on (Date) to Comenity Bank via as internet connection, as a single electronic debit from a debit card and/or ACH electronic from a bank account in your name on (Date) for ($) to your credit card account”. Please note the confirmation message is to advise our customers that their payment has been submitted to us; however, the customer’s bank has to authorize the payment. Additionally, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of 90 days. Once the Bank receives three months of on-time payments, the restrictive status is removed. We are unwilling to remove the return fee from your account. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted]
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues avenue®, VICTORIA’S SECRET, and NEW YORK & COMPANY 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 previously received and responded to your complaint submitted to Comenity Bank regarding this same matter. Please find enclosed copies of our responses sent to you on March 10, 2016, and March 11, 2016. 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 accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Dear [redacted]We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. I appreciate the opportunity to assist you.Your complaint...
states that the Victoria’s Secret/PINK account was placed on a fraud hold although you have provided your personal information, by phone, on multiple occasions. You also state that you will not send in the personal information, such as the front/back of your driver’s license, social security card, or utility bill, as someone may be able to copy and use the information.We reviewed your account and we apologize for any frustration or inconvenience this matter has caused you.Comenity Bank received notice from the Loss Prevention team at Victoria’s Secret regarding information that is consistent with suspicious activity. As such, Comenity Bank blocked the account on June 19, 2015, to deter your account from being used fraudulently.It is not the Bank’s intention to cause a customer a hardship. It is the Bank’s responsibility to protect the customer’s privacy of information and account from possible fraudulent activity. As such, in order to remove the block and establish account utility, we must receive a copy of your driver’s license, social security card, and a current utility bill.I have spoken to our Account Protection management team, and they are willing to have you scan and email the information for a faster response than normal, which by mail, can take up to 30 days. If you would like to take advantage of this, you can email the information to the attention of Abby Kritikos-Account Protection Manager at [email protected] be advised that without receiving this information, Comenity Bank is unable to remove the block from your account.You are a valued customer and we hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection team; toll free, at ###-###-#### (TDD/TTY ###-###-####). They will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Mr. [redacted]:Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesStage credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and...
Iappreciate the opportunity to assist you.I understand from your complaint, you missed a couple of your first payments on your Stageaccount due to the billing statements being sent to your street address, rather than your mailing2address. Due to this matter, derogatory payment information has been reported on your creditbureau report. You are requesting to have the derogatory information removed from your creditbureau report.Please note, billing statements have been issued via direct mail to the physical address listedon the Stage credit card account, beginning on May 16, 2014, until the address was updated toyour PO Box address on January 21, 2015. 1 have included all available billing statements foryour records.Bank records indicate the account was reported as current from May 2014 through December2014. The account became 30 days past due in January 2015 and 60 days past due inFebruary 2015.Comenity Bank is required by law to report factual data to the credit bureaus with regard toaccount activity. At this time, Comenity Bank finds no errors in its reporting of the Stage creditcard account to the credit bureaus.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
I would like My response forwarded to the president of the company or CEO. I have attached a copy of the error message I got every time I tried to attempt to make a paymen that dayt. I never had issues with the online system until that day. I also asked for a review of the call. No proof was notated that the call was reviewed. I refuse to take no as an answer because their system was at fault. If an option is available it should be available and if theirs an issue with their payment options, they should take responsibility for the issue. Just like I took full responsibility and paid all the other fees that has been placed on my account.
Consumer called and left a message on CM's voice mail that she is still receiving bills for over $100 for items that she has returned.
Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card account. Comenity Capital Bank issues GameStop PowerUp Rewards™ 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 the complaint that you received a late fee because you made a payment after the due date but before the next billing cycle. You state that you requested to have the late fee removed, however your request was denied. You believe the payment processing time is both confusing and misleading. Additionally, you request that any negative payment information be removed from your credit report. We understand your concerns, and sincerely apologize for any confusion this matter may have caused you. After a thorough review of the above-referenced account, records indicate a late fee of $27.00 was assessed to the account on April 4, 2016, after non-receipt of payment. Records further indicate that a payment of $40.00 was received on April 16, 2016. Please be advised that your due date is the fourth of each month, and this date will not change. 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. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account the same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your GameStop PowerUp Rewards™ credit card account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http;//www.comenity.net/comenity/Using Account/CustomerResourceCenter.Although there were no Bank errors, in the interest of customer service, we issued a $27.00 credit for the previously assessed late fee. As of the date of this letter the balance on your GameStop PowerUp Rewards™ account is $280.17. Please be assured that no negative payment information has been reported regarding the GameStop PowerUp Rewards™ account.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,Ashley R[redacted]
Dear Mrs. [redacted] We receivedthe complaint that you sent to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues AnnTaylor/LOFT credit card accounts, and we are here to help answeraccount-related questions. Yourcomplaint was forwarded to my...
attention, and I appreciate the opportunity toaddress your concerns. We understand from yourcomplaint that you have an Ann Taylor/LOFT credit card account with ComenityBank and that you have been on time with your payments, except for this month. You state that you were three weeks late for$39.00, and that you received four to five recorded calls from the Bank in aday. Please be advised, when the Bank’s recordsshow an account as delinquent, the Bank will make attempts to contact youregarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to acurrent status. Due to potential negative ramifications for our customersif an account remains delinquent, Comenity Bank will utilize a Dialer System toplace outbound calls to a customer until our attempt to communicate issuccessful. After a thorough investigation, our recordsindicate that we attempted to contacted you via our Dialer System on July 17,2015, at 9:07 a.m. and 11:42 a.m. Our records further indicate that youcontacted our Payment Solutions team on July 17, 2015, at 12:01 p.m. to make apromise to pay arrangement. Although this arrangement was documentedon the account, our database files do not update until the end of business eachday; as a result, the existing promise entered was not recognized by the system, hence why additional phone calls were made on July 17, 2015, at 12:58 p.m.,2:21 p.m., and 4:34 p.m. If you wish to no longer receive reminder calls on the dialer, pleasecontact Customer Care at ###-###-####, to update your phone number methods. They will be happy to assist you. I apologize for any inconvenience thismatter may have caused you, and I hope this information is helpful. Should you have any further questions orconcerns regarding this letter, please contact me directly at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted] Consumer Relations Specialist
Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret/PINK credit card accounts, we respond to all account-related inquiries. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate the opportunity to assist you.We...
understand your concerns regarding the outstanding balance on the above-noted account. We also understand your request to have all the late fees credited to your account. We apologize for any confusion you may have experienced.Our research indicates that you made a purchase, in the amount of $274.65 on June 29, 2015; returning items on July 22, 2015, totaling $159.65. A new purchase, in the amount of $37.52 was charged to the account on August 6, 2015, and you had a minimum payment of $25.00 due by August 17, 2015. Payment was not received by the due date; as such, the account was assessed a late fee and finance charge.On August 29, 2015, we received payment of $115.00, and an additional payment of $37.50 on September 11, 2015.A statement was issued on September 21, 2015, and the account required a minimum payment of $25.00 due by October 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.A statement was issued on October 22, 2015, and the account required a minimum payment of $30.00 due by November 17, 2015. As no payment was made, the account was assessed a late fee and finance charge.You contacted the Bank on October 28, 2015, and as a courtesy, the account was credited one $25.00 late fee, which meant you still had to pay the remaining balance of $30.59. As payment was not received, the account was assessed a late fee and a finance charge.You made contact with the Bank again on November 24, 2015, and as an additional courtesy, the account was credited for a late fee of $30.00. However, as you remained responsible for the remaining balance and payment was not received, the account was assessed a late fee and finance charge.As explained above and reflected on the enclosed statements, the Bank received payments after the payment due date, resulting in late fees and finance charges; pursuant to the terms and conditions outlined in the Credit Card Agreement (CCA). Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $67.59 to remove the remaining balance.We 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.
The prior response was not sent to the president nor CEO of the company.
Regards, [redacted]