Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Blair credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that you made a purchase and when your billing statement arrived at your home, you were in the hospital. You state that you tried to contact the bank regarding the bill; however, you were unable to speak to a representative. You then state that when you finally spoke to a representative, they were rude and advised that if you made a payment by phone the late fee would be waived. You state that you paid the $52.79 and requested for your account to be closed. You are requesting to be reimbursed for the late fee and to cancel your account without affecting your credit score. We apologize for the inconvenience this matter may have caused you. A purchase of $25.21 was applied to your account on November 18, 2016. The statement billed on December 12, 2016, with a $25.21 minimum payment due by January 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. The statement billed on January 12, 2017, with a balance of $51.42 and a $30.21 minimum payment due by February 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. On February 9, 2017, your statement billed, with a balance of $82.79 and a $35.21 minimum payment due by March 7, 2017. A payment of $52.79 was received on February 15, 2017. In addition, a late fee reversal credit of $30.00 was applied the same day. With the payment and the late fee adjustment the balance on your account is zero. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $30.00 was issued to your account on February 15, 2017; therefore, we are unwilling remove any additional fees. We have reviewed the applicable telephone conversations. 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. Your Blair account has been closed per your request. Although your account is closed, we hope you continue to shop with Blair. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies reported as a result of this matter. Please allow 45 days for these 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, Ashley H[redacted]
I am waiting for my bank to respond to the Comenity bank. Until then, I must wait. I am hoping that this matter will be concluded in two weeks.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Victoria's Secret Angel, BrylaneHome, and RUNWAYREWARDS creditcards. We are here to answer your questions and assist with your concerns.In your correspondence, you state the Bank...
froze all three of your accounts when you missed onepayment on your RUNWAYREWARDS credit card. You called and asked why all of your accountswere frozen, and were told you had to make three months of consecutive payments to have the cardsreinstated. You state that is not possible, due to the balances on your accounts. You also state theBank is not reporting your accounts correctly, and the Bank’s customer service is lacking. You wouldlike all of your accounts reinstated and reported correctly on your credit bureau report.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. Our records indicate you contacted the Bank on July 24, 2017, and were advised thepayments were returned on all three accounts due to insufficient funds, and you would have to wait90 days to use your accounts. However, due to previous payment history, your BrylaneHome andVictoria’s Secret Angel accounts are now available for use.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 ###-###-####
This is outrageous...if this bank wants to settle this manner they should make a reasonable settlement offer...their response of Our Way or the Highway is unacceptable
Regards, [redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Z Gallerie credit card accounts. We are here to answer your questions and assist with your concerns.Your complaint states that you made a purchase online and Z Gallerie advertised a one...
year deferred interest promotional plan; however, your purchase was not placed on that plan. You are requesting that the Bank honor the promotional plan that was advertised. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 11, 2017, in the amount of $3,350.43. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.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]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Mr. [redacted] Thank you for your complaint addressed to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues Orbitz Rewards Visa accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this...
opportunity to assist you. Your complaint indicates that you disputed a charge that was placed on your Orbitz Rewards Visa account, and Comenity Capital Bank has found you responsible for the charge. You further state that one of our representatives assisted you with speaking to the merchant, and the merchant stated that the amount for your hotel stay was $1,676.00. However, you were billed a different amount and state that there is a difference of $279.00. Furthermore, you state the recorded call is evidence of what was billed to you. You are requesting that we listen to the call in question and issue the difference to your account. Please be advised that we have listened to the call in question, and also requested the receipt for the final charge the merchant billed to your Orbitz Rewards Visa account. Our records indicate that the situation referenced in your complaint has been previously investigated. A response along with a copy of the signed receipt was issued on January 21, 2016, explaining our finding and resolution. Comenity Capital Bank position remains unchanged. We have enclosed a copy of our previous response for your records. We sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpful. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit card. We are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your...
account. You state thatthe website was down and your payment did not go through. You did not know this until you received threelate fees, which affected your credit score and you were called. You have tried to resolve but state the Bankis relentless and unprofessional. You also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $28.56 to the account on October 21, 2016, for a M. Sweater. OnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $28.56 minimumpayment due on November 28, 2016. Payment for $28.56 was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $27.00 minimumpayment due on December 28, 2016. No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $33.00 minimumpayment due on January 28, 2017. No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $40.00 minimumpayment due on February 28, 2017. Payment was not received; however, the account was issued twocourtesy late fee credits totaling $60.00. The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $35.34 minimumpayment due on March 28, 2017. Payment of $28.56 was received on March 4, 2017, and payment of $6.78 was received on March 27, 2017. The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $30.00 minimumpayment due on April 28, 2017. The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a payment. Choose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same day. Check the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. EasternTime (ET) will be credited to your account on the same day, unless you select a date in the future. Onlinepayments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. Werecommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out apayment 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 ofyour billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agencies. As such,the negative payment information that reported for March 2017 and April 2017 is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.
We received your complaint regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer account-related questions.Your complaint, addressed to the Revdex.com was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.We understand from your complaint that you have been receiving multiple calls a day for yourdaughter’s account. You further state that you wish for the calls to stop as your daughter is ill.Please be advised that we have updated our records to ensure that you are not being called at thetelephone number ending 6170. If there is another telephone number you would like to haveupdated so that you are not contacted on that number, the information can be mailed to the addresslisted above or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,
I estimate approximately $400 in late fees have been added to my account SO FAR and have no assurance that they will not continue to be added to my account each month. Removing one late fee is not enough. I want in writing that NO MORE LATE FEES will be added to my account. There were no attachments so I cannot review the documentation that was supposed to be sent with the response. I do NOT want this account written off as a bad debt if the minimum balance is not paid for 6 consecutive months either. I want to pay the debt off as previously indicated without any penalties.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me - pending of course the removal of all negative information from my credit report and the restoration of my credit back to its former excellent rating, as well as getting back my full credit lines, over $7000k which had been reduced by the known creditors I am aware of as a result of this discrepancy, as well as any which I may not know about yet. .
Regards, [redacted]
Dear [redacted]omenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the avenue® credit card. We are here to answer your questions and assist with your concerns.
We understand in your complaint to the Revdex.com you...
are unable to work due to the charge off status reporting on your credit report. You are requesting that we remove the word “charge off” from your credit report, since you have paid the balance in full. You further state that you were given a grace period to be able to pay and at the time the guy told you that it would not affect your credit.
We appreciate you letting us know of your concerns and apologize you are unable to work at this time, due to information on your credit report. We would like to take this moment to explain our findings.
The address provided in the correspondence does not match the address we have on file. Please contact us at the below address or at ###-###-#### to update the mailing address on the above-noted account:
Comenity Bank
P.O. Box 182273
Columbus, OH 43218-2273
We have reviewed the applicable phone calls and found our associate did not advise of any grace period or acknowledge this would not affect your credit report.
The Bank’s records show, prior to you calling in, your account wrote off due to non-payment on August 22, 2015, with an unpaid debt of $563.33. On August 25, 2015, you had called and agreed with our Recovery department to make two payments of $281.67 scheduled for August 31, 2015, and $281.66 scheduled for September 30, 2015; which brought your account balance to zero. To ensure your account is reporting accurately, we verified that we are reporting the account as “Paid Charge Off with Zero Balance” to the credit-reporting agencies as of the date of your last payment; therefore, we are unwilling to remove this from your credit file. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity.
We understand customers may experience difficulty making their payments due to economic factors. 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. You may reach them by using the following information:
I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.
Sincerely,
[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.We understand that you were unaware of a balance in January...
2017 and you did not receive your billingstatement so your payment was not made. When you checked your credit report, there is a 30 daydelinquency reported, and you would like to have it deleted. You contacted Victoria’s Secret and explainedthe situation and you received a letter that was not correct. When you attempted to get a replacement letteryou were told no, as the delinquency could not be deleted.After a review of your account, we find the Bank submitted a request to the credit reporting agencies tohave the delinquency removed from your credit report on April 28, 2017.Please allow 45 days for this information to be updated in their records.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Better Business Burea
Dear Francis Viray: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 andassist with your concerns.In the correspondence, you indicate two days after the...
account was opened, it was closed for no reason.When calling the Bank, you state you were directed to Account Protection. You mention you were askedsecurity questions that you answered correctly; however, you were the account would be closed and youcould reapply. You state two separate orders were cancelled because the account was closed. You alsomention you did not receive promised coupons or the credit card that was to be mailed. You are requestingstore credit. You would like the Bank to refund your money or reimburse all purchases to clear the account.Please find the enclosed copy of the letter provided to you on November 26, 2017. Please be advised, theaccount will remain closed due to security concerns.In regard to not receiving the coupons or credit card, please be aware we sent the welcome package to theaddress that was on file when the account was opened.We respectfully decline your request for a credit to the Victoria’s Secret Angel credit card account. You willcontinue to receive regular billing statements until the balance due is paid in full.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Nicole FCompliance Dept. – Consumer Responses
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questions. Your complaint addressed to the Revdex.com, was...
forwardedto my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and your notable to pursue obtaining services; however, we are only able to help your with your American LaserSkincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement,which are also outlined in the Billing Rights Summary contained in the monthly billing statements.Specifically, we refer your client to the following section (emphasis added):What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:Account information: Your name and account numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe what you believe is wrongand why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You mustnotify us of any potential errors in writing. You may call us, but if you do we are not required toinvestigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent on that amount.The charge in question may remain on your statement, and we may continue to charge you intereston that amount. But, if we determine that we made a mistake, you will not have to pay the amount inquestion or any interest or other fees related to that amount.While you do not have to pay the amount in question, you are responsible for the remainder of thebalance.We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, andyou have tried in good faith to correct the problem with the merchant, you may have the right not topay the remaining amount due on the purchase. To use this right, all of the following must be true:The purchase must have been made in your home state or within 100 miles of your current mailingaddress, and the purchase price must have been more than $50.00. (Note: Neither of these isnecessary if your purchase was based on an advertisement we mailed to you, or if we own thecompany that sold you the goods or services.)You must have used your credit card for the purchase. Purchases made with cash advances from anATM or with a check that accesses your credit card account do not qualify.You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days after the first billingstatement on which the disputed charge appeared and she has not yet fully paid for the purchase,the maximum amount eligible for a credit is the balance on the account at the time of the dispute.However, if the amount that you disputed or the prorated amount for the services not received is lessthan your balance, then you will receive that lesser amount. Please be advised that based on theinformation you have provided to the Bank, a total credit of $3,008.33 was issued to your account fortreatments that were not received and you are responsible for the remaining balance of $590.00, forservices that were provided.We apologize for any inconvenience this matter may have caused your client. Should you or yourclient have any additional questions or concerns, please contact me at ###-###-####, ext. (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues gordmans credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made a purchase in October 2015 in the amount of $71.45, and you did not receive a statement until January 6, 2016, with a balance of $98.08 which included late fees assessed to the account. Also you state that the late payment was due to non-receipt of your statement following the purchase in October 2015. You are requesting the fees be removed from the account due to non-receipt of your statement after the purchase in October 2015. I am happy to share my findings with you. After a thorough review of the account, our records indicate that the statements were issued to the address shown above. The Bank has no indication of the statements being returned back to the Bank as undeliverable. Please be assured that as a courtesy, credits totaling $234.87 have been applied to the account for the late fees and finance charges assessed to the account. These credits will result in a credit balance of $26.63 on the account. Please allow up to two billings to see these adjustments on the account. Enclosed are statements from November 2015 through January 2016 for your records. Additionally, I have reinstated your credit limit to the original credit limit of $700.00. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention...
for review, and I appreciate the opportunity to assist you. We understand from your complaint that you purchased items from Victoria’s Secret, which included a bra that when received, appeared different from what you ordered. You returned the bra for a credit and instead, the item continued to be shipped. You also state that you continued to submit returns but you have not received the proper credit and when attempting to rectify this situation you were met with unsatisfactory service. You feel harassed and criminalized by Victoria’s Secret. Please be assured that we have reviewed your account, and we sincerely apologize for the frustration and inconvenience you have been caused. Bank records indicate that the situation referenced in your complaint has been resolved. You telephoned the Bank and filed a dispute regarding the refund of $48.04. The Banks support team researched and found that Victoria’s Secret refunded the amount on July 2, 2015, which was after the dispute was filed. You were sent a mailed response on July 9, 2015, which explained these findings. Enclosed is a copy of the letter for your records. In addition, we understand that you believe you received less than satisfactory service by Victoria’s Secret, regarding this matter. Please be assured that the situation you described in your complaint is not a typical example of how the Bank or Victoria’s Secret treat a customer. You are a valued customer and we appreciate the time you took to write to us regarding this situation. Additionally, as Comenity Bank and Victoria’s Secret are separate entities, please be assured that we have forwarded your store concerns to Victoria’s Secret so that they can address this matter. We hope this information is helpful. Should you or your client have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted] Consumer Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Justice credit card accounts, and we are here to answer all of your account-related questions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to assist you. I understand from your complaint that you made three payments to the wrong account number. Additionally, you state you have previously provided information to have these payments located and you request the payments be applied to the Justice account. I apologize for any inconvenience or frustration that this matter may have caused you. After a thorough investigation, we discovered the electronic payments you made for $50.00 on January 30, 2015, $100.00 on February 10, 2015, and $28.00 on February 27, 2015, were applied to another account. Please be assured that credits for the above-referenced payments have been applied to your Justice account. As of the date of this letter, your balance is $144.25. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext. [redacted] (TDD/TTY [redacted]. I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you never received your first billing statement and credit card for the above referenced credit card account. You state that all items were either returned or cancelled, and when you received your statement in May for your purchase of $21.19, you were charged $27.00 for a late fee and $6.22 in finance charges. We apologize for any inconvenience this matter may have caused you. Our records indicate that your Pier 1 imports® credit card account was opened on April 3, 2016, and the Welcome Kit and billing statements were sent to the address we have on file for your account. The Bank has no record of any of the items being returned as undeliverable. On April 7, 2016, a statement was issued with a balance of $1,048.18 and minimum payment of $52.00 due by May 3, 2016, as no payment was received by the due date, a late fee and finance charges were assessed to the account in accordance with the Credit Card Agreement. On April 11, 2016, credit for $171.16 was issued to your account and a credit in the amount of $855.83 was issued on April 16, 2016. On May 8, 2016, a statement was issued with a balance of $54.41 and a minimum payment of $26.19 due by June 3, 2016, as no payment was received by the due date a late fee was assessed to the account. As a courtesy the bank credited your account $20.00 in late fees and $6.22 in finance charges on May 31, 2016. On June 4, 2016, your payment of $28.19 was received. Please be assured that we have removed the remaining $34.19 in late fees from your account and with this adjustment you have a credit balance of $7.00. A refund check has been requested, and should be received within 14 days. In addition, your Pier 1 imports® credit card account has been closed per your request. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted]7 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questions. The complaint was forwarded to my attention, and I appreciate the opportunity...
to address your concerns.We understand the concerns expressed in your complaint regarding the delinquent payment information you state has been reported to the credit bureaus. You have indicated that you settled the account balance in March 2014 with the Bank, and after filing a dispute via Equifax we have reported that May is okay. You would like the Bank to correct or delete any inaccurate reporting.Bank records indicate that your account wrote off due to non-payment on March 25, 2013, with an unpaid balance of $317.31. Our records indicate a settlement agreement was reached with you in March 2014 for the amount of $120.00. To ensure your account is reporting accurately, we verified that we are reporting the account as a “Charge-off” and “Paid for less than full balance” to Equifax as of the date your account was settled. However, we found discrepancies in the reporting. Please be assured that we have submitted notification to the national credit-reporting agencies to make the necessary changes to your credit profile. Please allow them 45 days to update their records.We apologize for any inconvenience you have experienced and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Blair credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that you made a purchase and when your billing statement arrived at your home, you were in the hospital. You state that you tried to contact the bank regarding the bill; however, you were unable to speak to a representative. You then state that when you finally spoke to a representative, they were rude and advised that if you made a payment by phone the late fee would be waived. You state that you paid the $52.79 and requested for your account to be closed. You are requesting to be reimbursed for the late fee and to cancel your account without affecting your credit score. We apologize for the inconvenience this matter may have caused you. A purchase of $25.21 was applied to your account on November 18, 2016. The statement billed on December 12, 2016, with a $25.21 minimum payment due by January 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. The statement billed on January 12, 2017, with a balance of $51.42 and a $30.21 minimum payment due by February 7, 2017. The required minimum payment was not received by the due date. Therefore, a late fee and finance charge were assessed to your Blair account. On February 9, 2017, your statement billed, with a balance of $82.79 and a $35.21 minimum payment due by March 7, 2017. A payment of $52.79 was received on February 15, 2017. In addition, a late fee reversal credit of $30.00 was applied the same day. With the payment and the late fee adjustment the balance on your account is zero. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $30.00 was issued to your account on February 15, 2017; therefore, we are unwilling remove any additional fees. We have reviewed the applicable telephone conversations. 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. Your Blair account has been closed per your request. Although your account is closed, we hope you continue to shop with Blair. Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies reported as a result of this matter. Please allow 45 days for these 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, Ashley H[redacted]
I am waiting for my bank to respond to the Comenity bank. Until then, I must wait. I am hoping that this matter will be concluded in two weeks.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Victoria's Secret Angel, BrylaneHome, and RUNWAYREWARDS creditcards. We are here to answer your questions and assist with your concerns.In your correspondence, you state the Bank...
froze all three of your accounts when you missed onepayment on your RUNWAYREWARDS credit card. You called and asked why all of your accountswere frozen, and were told you had to make three months of consecutive payments to have the cardsreinstated. You state that is not possible, due to the balances on your accounts. You also state theBank is not reporting your accounts correctly, and the Bank’s customer service is lacking. You wouldlike all of your accounts reinstated and reported correctly on your credit bureau report.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. Our records indicate you contacted the Bank on July 24, 2017, and were advised thepayments were returned on all three accounts due to insufficient funds, and you would have to wait90 days to use your accounts. However, due to previous payment history, your BrylaneHome andVictoria’s Secret Angel accounts are now available for use.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 ###-###-####
This is outrageous...if this bank wants to settle this manner they should make a reasonable settlement offer...their response of Our Way or the Highway is unacceptable
Regards, [redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Z Gallerie credit card accounts. We are here to answer your questions and assist with your concerns.Your complaint states that you made a purchase online and Z Gallerie advertised a one...
year deferred interest promotional plan; however, your purchase was not placed on that plan. You are requesting that the Bank honor the promotional plan that was advertised. We understand your concerns and apologize for any frustration or inconvenience this matter may have caused you.We received your dispute on July 11, 2017, in the amount of $3,350.43. Please be assured our dispute resolution team is currently working to resolve your dispute. Please also be aware, dispute investigations may take up to ninety days to complete. Upon completion of our investigation, we will notify you of our findings by mail. We appreciate your patience while we conduct our investigation.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]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear Mr. [redacted] Thank you for your complaint addressed to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues Orbitz Rewards Visa accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this...
opportunity to assist you. Your complaint indicates that you disputed a charge that was placed on your Orbitz Rewards Visa account, and Comenity Capital Bank has found you responsible for the charge. You further state that one of our representatives assisted you with speaking to the merchant, and the merchant stated that the amount for your hotel stay was $1,676.00. However, you were billed a different amount and state that there is a difference of $279.00. Furthermore, you state the recorded call is evidence of what was billed to you. You are requesting that we listen to the call in question and issue the difference to your account. Please be advised that we have listened to the call in question, and also requested the receipt for the final charge the merchant billed to your Orbitz Rewards Visa account. Our records indicate that the situation referenced in your complaint has been previously investigated. A response along with a copy of the signed receipt was issued on January 21, 2016, explaining our finding and resolution. Comenity Capital Bank position remains unchanged. We have enclosed a copy of our previous response for your records. We sincerely apologize for any inconvenience this matter may have caused you and hope that you find this information to be helpful. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Rosa M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the LOVELOFT Mastercard credit card. We are here to answer your questions andassist with your concerns.We understand your concerns regarding the late fees that were assessed to your...
account. You state thatthe website was down and your payment did not go through. You did not know this until you received threelate fees, which affected your credit score and you were called. You have tried to resolve but state the Bankis relentless and unprofessional. You also state that we cannot set up automatic payments and it is awful.You requests a full refund for lack of communication, stringing you along, and you request your credit reportrectified.We apologize for the frustration and inconvenience you may have experienced as a result of this matter.We have reviewed the concerns in your correspondence as well as the applicable telephone conversations.We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer serviceand are disappointed when a customer feels this standard was not met.Bank records indicate that you charged $28.56 to the account on October 21, 2016, for a M. Sweater. OnNovember 2, 2016, a statement was mailed to you reflecting a balance of $28.56, and a $28.56 minimumpayment due on November 28, 2016. Payment for $28.56 was received on November 29, 2016, and theaccount was assessed a late fee and a finance charge.On December 2, 2016, a statement was mailed to you reflecting a balance of $27.00, and a $27.00 minimumpayment due on December 28, 2016. No payment was received, and the account was assessed a late feeand a finance charge.On January 2, 2017, a statement was mailed to you reflecting a balance of $55.00, and a $33.00 minimumpayment due on January 28, 2017. No payment was received, and the account was assessed a late feeand a finance charge.On February 2, 2017, a statement was mailed to you reflecting a balance of $89.34, and a $40.00 minimumpayment due on February 28, 2017. Payment was not received; however, the account was issued twocourtesy late fee credits totaling $60.00. The account was only charged a finance charge for the outstandingbalance.On March 2, 2017, a statement was mailed to you reflecting a balance of $67.34, and a $35.34 minimumpayment due on March 28, 2017. Payment of $28.56 was received on March 4, 2017, and payment of $6.78 was received on March 27, 2017. The account was only charged a finance charge for the outstandingbalance.On April 2, 2017, a statement was mailed to you reflecting a balance of $33.00, and a $30.00 minimumpayment due on April 28, 2017. The minimum payment due was removed, as a courtesy, since yourequested to file a dispute with the Bank, and you were sent a form on May 1, 2017, to complete and return.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Enclosed are copies of the billing statements for your records.To provide the best customer service possible, we offer multiple ways to make a payment. Choose apayment method that's right for you.In-store: If the retailer listed on your card has a store near you, you may be able to drop off your paymentin the store so it can be applied to your account on the same day. Check the back of your billing statementto see if in-store payments are available for your account.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. EasternTime (ET) will be credited to your account on the same day, unless you select a date in the future. Onlinepayments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled paymentdate).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. Werecommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out apayment 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 ofyour billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply tosame-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter.Th...⇄ Bank is unwilling to credit any additional late fees to the account, as no Bank error was found.In addition, the Bank is required to report factual account activity to the credit-reporting agencies. As such,the negative payment information that reported for March 2017 and April 2017 is valid, and we are unwillingto change or delete the information.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.
We received your complaint regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer account-related questions.Your complaint, addressed to the Revdex.com was forwarded to my attention, and Iappreciate the...
opportunity to respond to your concerns.We understand from your complaint that you have been receiving multiple calls a day for yourdaughter’s account. You further state that you wish for the calls to stop as your daughter is ill.Please be advised that we have updated our records to ensure that you are not being called at thetelephone number ending 6170. If there is another telephone number you would like to haveupdated so that you are not contacted on that number, the information can be mailed to the addresslisted above or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,
I estimate approximately $400 in late fees have been added to my account SO FAR and have no assurance that they will not continue to be added to my account each month. Removing one late fee is not enough. I want in writing that NO MORE LATE FEES will be added to my account. There were no attachments so I cannot review the documentation that was supposed to be sent with the response. I do NOT want this account written off as a bad debt if the minimum balance is not paid for 6 consecutive months either. I want to pay the debt off as previously indicated without any penalties.
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me - pending of course the removal of all negative information from my credit report and the restoration of my credit back to its former excellent rating, as well as getting back my full credit lines, over $7000k which had been reduced by the known creditors I am aware of as a result of this discrepancy, as well as any which I may not know about yet. .
Regards, [redacted]
Dear [redacted]omenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the avenue® credit card. We are here to answer your questions and assist with your concerns.
We understand in your complaint to the Revdex.com you...
are unable to work due to the charge off status reporting on your credit report. You are requesting that we remove the word “charge off” from your credit report, since you have paid the balance in full. You further state that you were given a grace period to be able to pay and at the time the guy told you that it would not affect your credit.
We appreciate you letting us know of your concerns and apologize you are unable to work at this time, due to information on your credit report. We would like to take this moment to explain our findings.
The address provided in the correspondence does not match the address we have on file. Please contact us at the below address or at ###-###-#### to update the mailing address on the above-noted account:
Comenity Bank
P.O. Box 182273
Columbus, OH 43218-2273
We have reviewed the applicable phone calls and found our associate did not advise of any grace period or acknowledge this would not affect your credit report.
The Bank’s records show, prior to you calling in, your account wrote off due to non-payment on August 22, 2015, with an unpaid debt of $563.33. On August 25, 2015, you had called and agreed with our Recovery department to make two payments of $281.67 scheduled for August 31, 2015, and $281.66 scheduled for September 30, 2015; which brought your account balance to zero. To ensure your account is reporting accurately, we verified that we are reporting the account as “Paid Charge Off with Zero Balance” to the credit-reporting agencies as of the date of your last payment; therefore, we are unwilling to remove this from your credit file. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity.
We understand customers may experience difficulty making their payments due to economic factors. 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. You may reach them by using the following information:
I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.
Sincerely,
[redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.We understand that you were unaware of a balance in January...
2017 and you did not receive your billingstatement so your payment was not made. When you checked your credit report, there is a 30 daydelinquency reported, and you would like to have it deleted. You contacted Victoria’s Secret and explainedthe situation and you received a letter that was not correct. When you attempted to get a replacement letteryou were told no, as the delinquency could not be deleted.After a review of your account, we find the Bank submitted a request to the credit reporting agencies tohave the delinquency removed from your credit report on April 28, 2017.Please allow 45 days for this information to be updated in their records.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Better Business Burea
Dear Francis Viray: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 andassist with your concerns.In the correspondence, you indicate two days after the...
Compliance Dept. – Consumer Responses
account was opened, it was closed for no reason.When calling the Bank, you state you were directed to Account Protection. You mention you were askedsecurity questions that you answered correctly; however, you were the account would be closed and youcould reapply. You state two separate orders were cancelled because the account was closed. You alsomention you did not receive promised coupons or the credit card that was to be mailed. You are requestingstore credit. You would like the Bank to refund your money or reimburse all purchases to clear the account.Please find the enclosed copy of the letter provided to you on November 26, 2017. Please be advised, theaccount will remain closed due to security concerns.In regard to not receiving the coupons or credit card, please be aware we sent the welcome package to theaddress that was on file when the account was opened.We respectfully decline your request for a credit to the Victoria’s Secret Angel credit card account. You willcontinue to receive regular billing statements until the balance due is paid in full.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Nicole F
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help with youraccount-related questions. Your complaint addressed to the Revdex.com, was...
forwardedto my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and your notable to pursue obtaining services; however, we are only able to help your with your American LaserSkincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement,which are also outlined in the Billing Rights Summary contained in the monthly billing statements.Specifically, we refer your client to the following section (emphasis added):What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:Account information: Your name and account numberDollar amount: The dollar amount of the suspected errorDescription of Problem: If you think there is an error on your bill, describe what you believe is wrongand why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You mustnotify us of any potential errors in writing. You may call us, but if you do we are not required toinvestigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:We cannot try to collect the amount in question, or report you as delinquent on that amount.The charge in question may remain on your statement, and we may continue to charge you intereston that amount. But, if we determine that we made a mistake, you will not have to pay the amount inquestion or any interest or other fees related to that amount.While you do not have to pay the amount in question, you are responsible for the remainder of thebalance.We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, andyou have tried in good faith to correct the problem with the merchant, you may have the right not topay the remaining amount due on the purchase. To use this right, all of the following must be true:The purchase must have been made in your home state or within 100 miles of your current mailingaddress, and the purchase price must have been more than $50.00. (Note: Neither of these isnecessary if your purchase was based on an advertisement we mailed to you, or if we own thecompany that sold you the goods or services.)You must have used your credit card for the purchase. Purchases made with cash advances from anATM or with a check that accesses your credit card account do not qualify.You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days after the first billingstatement on which the disputed charge appeared and she has not yet fully paid for the purchase,the maximum amount eligible for a credit is the balance on the account at the time of the dispute.However, if the amount that you disputed or the prorated amount for the services not received is lessthan your balance, then you will receive that lesser amount. Please be advised that based on theinformation you have provided to the Bank, a total credit of $3,008.33 was issued to your account fortreatments that were not received and you are responsible for the remaining balance of $590.00, forservices that were provided.We apologize for any inconvenience this matter may have caused your client. Should you or yourclient have any additional questions or concerns, please contact me at ###-###-####, ext. (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues gordmans credit card accounts, and we are here to assist with your account-related questions. Your complaint was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you made a purchase in October 2015 in the amount of $71.45, and you did not receive a statement until January 6, 2016, with a balance of $98.08 which included late fees assessed to the account. Also you state that the late payment was due to non-receipt of your statement following the purchase in October 2015. You are requesting the fees be removed from the account due to non-receipt of your statement after the purchase in October 2015. I am happy to share my findings with you. After a thorough review of the account, our records indicate that the statements were issued to the address shown above. The Bank has no indication of the statements being returned back to the Bank as undeliverable. Please be assured that as a courtesy, credits totaling $234.87 have been applied to the account for the late fees and finance charges assessed to the account. These credits will result in a credit balance of $26.63 on the account. Please allow up to two billings to see these adjustments on the account. Enclosed are statements from November 2015 through January 2016 for your records. Additionally, I have reinstated your credit limit to the original credit limit of $700.00. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
Dear [redacted]: We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention...
for review, and I appreciate the opportunity to assist you. We understand from your complaint that you purchased items from Victoria’s Secret, which included a bra that when received, appeared different from what you ordered. You returned the bra for a credit and instead, the item continued to be shipped. You also state that you continued to submit returns but you have not received the proper credit and when attempting to rectify this situation you were met with unsatisfactory service. You feel harassed and criminalized by Victoria’s Secret. Please be assured that we have reviewed your account, and we sincerely apologize for the frustration and inconvenience you have been caused. Bank records indicate that the situation referenced in your complaint has been resolved. You telephoned the Bank and filed a dispute regarding the refund of $48.04. The Banks support team researched and found that Victoria’s Secret refunded the amount on July 2, 2015, which was after the dispute was filed. You were sent a mailed response on July 9, 2015, which explained these findings. Enclosed is a copy of the letter for your records. In addition, we understand that you believe you received less than satisfactory service by Victoria’s Secret, regarding this matter. Please be assured that the situation you described in your complaint is not a typical example of how the Bank or Victoria’s Secret treat a customer. You are a valued customer and we appreciate the time you took to write to us regarding this situation. Additionally, as Comenity Bank and Victoria’s Secret are separate entities, please be assured that we have forwarded your store concerns to Victoria’s Secret so that they can address this matter. We hope this information is helpful. Should you or your client have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted] Consumer Relations Specialist
Dear [redacted] We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Justice credit card accounts, and we are here to answer all of your account-related questions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to assist you. I understand from your complaint that you made three payments to the wrong account number. Additionally, you state you have previously provided information to have these payments located and you request the payments be applied to the Justice account. I apologize for any inconvenience or frustration that this matter may have caused you. After a thorough investigation, we discovered the electronic payments you made for $50.00 on January 30, 2015, $100.00 on February 10, 2015, and $28.00 on February 27, 2015, were applied to another account. Please be assured that credits for the above-referenced payments have been applied to your Justice account. As of the date of this letter, your balance is $144.25. I hope you find this information to be helpful. Should you have any further questions or concerns, please contact me at the address noted above, or by calling toll free at ###-###-####, ext. [redacted] (TDD/TTY [redacted]. I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 imports® credit card accounts and we respond to account-related questions. Your correspondence was forwarded to my...
attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you never received your first billing statement and credit card for the above referenced credit card account. You state that all items were either returned or cancelled, and when you received your statement in May for your purchase of $21.19, you were charged $27.00 for a late fee and $6.22 in finance charges. We apologize for any inconvenience this matter may have caused you. Our records indicate that your Pier 1 imports® credit card account was opened on April 3, 2016, and the Welcome Kit and billing statements were sent to the address we have on file for your account. The Bank has no record of any of the items being returned as undeliverable. On April 7, 2016, a statement was issued with a balance of $1,048.18 and minimum payment of $52.00 due by May 3, 2016, as no payment was received by the due date, a late fee and finance charges were assessed to the account in accordance with the Credit Card Agreement. On April 11, 2016, credit for $171.16 was issued to your account and a credit in the amount of $855.83 was issued on April 16, 2016. On May 8, 2016, a statement was issued with a balance of $54.41 and a minimum payment of $26.19 due by June 3, 2016, as no payment was received by the due date a late fee was assessed to the account. As a courtesy the bank credited your account $20.00 in late fees and $6.22 in finance charges on May 31, 2016. On June 4, 2016, your payment of $28.19 was received. Please be assured that we have removed the remaining $34.19 in late fees from your account and with this adjustment you have a credit balance of $7.00. A refund check has been requested, and should be received within 14 days. In addition, your Pier 1 imports® credit card account has been closed per your request. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted]7 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questions. The complaint was forwarded to my attention, and I appreciate the opportunity...
to address your concerns.We understand the concerns expressed in your complaint regarding the delinquent payment information you state has been reported to the credit bureaus. You have indicated that you settled the account balance in March 2014 with the Bank, and after filing a dispute via Equifax we have reported that May is okay. You would like the Bank to correct or delete any inaccurate reporting.Bank records indicate that your account wrote off due to non-payment on March 25, 2013, with an unpaid balance of $317.31. Our records indicate a settlement agreement was reached with you in March 2014 for the amount of $120.00. To ensure your account is reporting accurately, we verified that we are reporting the account as a “Charge-off” and “Paid for less than full balance” to Equifax as of the date your account was settled. However, we found discrepancies in the reporting. Please be assured that we have submitted notification to the national credit-reporting agencies to make the necessary changes to your credit profile. Please allow them 45 days to update their records.We apologize for any inconvenience you have experienced and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]