Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to...
your concerns. We understand from your complaint that you made a payment in the amount of $13, 451.63 on December 11, 2015, and your available credit had not been restored to your account immediately. We also understand you are requesting compensation for your frustration of not having the funds available. Due to the amount of your payment Comenity Capital Bank requires additional time to process the payment. Our records indicate you contacted our Customer Care team and were told that your payment would be held for seven to fourteen days. Also, due to the frustration you experienced due to the funds not being available I have added $40.00 to your BJ’s awards. We hope this information is helpful and apologize for any frustration you experienced regarding this matter. Should you have any further questions, please contact me at ###-###-####, ext[redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[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 Mr. [redacted]We are in receipt of your additional complaint regarding the above-referenced account. Comenity Bank issues PALAIS ROYAL credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.In your complaint you are rejecting our previous response dated May 11, 2016. You state you attempted to obtain a subpoena from the [redacted] courts, and were advised that you were unable to get a subpoena for Comenity Bank, unless you have an open case with Comenity Bank.Your previous complaint states that the account was opened in December 2015. You advised that you only opened an account with [redacted] in the last year, therefore, you believe the PALAIS ROYAL account is fraudulent. You are requesting Comenity Bank remove this account from your credit report.Please note, our response dated May 11, 2016, advised you that the PALIAS ROYAL account was opened in March 4, 2013. Additionally, the response advised that if you wanted a copy of the credit card application, a subpoena would be required. Furthermore, we advised you that the account was sold to Portfolio Recovery on December 21, 2015.Please be advised that Comenity Bank no longer owns the account and we are no longer reporting the account. A review of the information you submitted indicates that as the owner of the account, Portfolio Recovery is now reporting the account. Please contact Portfolio Recovery directly at ###-###-#### for any further assistance.I hope you have found this information helpful. If you need additional assistance, contact Portfolio Recovery at the phone number listed above. They will be happy to assist you.Sincerely,Geanine M[redacted]
Dear [redacted]We received your additional complaint, addressed to the Revdex.com, regarding a Stagecredit card account. Cornenity Bank issues Stage credit cards, and we respond to all account-relatedquestions and concerns. Your complaint was forwarded to my attention, and I appreciate the opportunityto assist you.Our records indicate that the situation referenced in your correspondence has been investigated and aresponse has been previously issued on June 2, 201 5, explaining our findings and resolution. Please beadvised, Cornenity Bank positions remains unchanged. We have enclosed a copy of our previousresponse for your records.We apologize far any frustration or inconvenience you may have experienced regarding this matter.Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
[redacted] sold me their phone & gave me one free that's designed to work with their network. I continue to have coverage issues. Their website says I have coverage, their extended coverage says indoor coverage is better. I have issues with indoor coverage as well. Their website is not agreeing with what they are telling me. They say I have the coverage I'm supposed to have. Why does their website state,otherwise? I've given them several areas with no coverage, those areas are within their coverage area. They haven't responded to these areas when I ask. I need further assistance.Thanks,[redacted]
Dear Mr. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues The Sportsman’s Guide Buyer’s Club™ Advantage Rewards VISA®, BEALLS, Crate&Barrel, FARMERS® REWARDS VISA®, Marathon Visa®, ...
Redicard+® VISA®, SPORTS AUTHORITY®, Buckle, TOTAL REWARDS® VISA®, WESTGATE Rewards MasterCard® and DSW REWARDS VISA® 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 the above-referenced accounts where closed and you are requesting that the accounts are reopened. I am happy to share my findings with you. Please be assured that the above-referenced accounts have been reopen as of March 13, 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 regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.In your complaint, you state that you continue to receive telephone calls from telephone number###-###-####. You further state that when you answered, it was an electronic service claiming to beGoogle calling to verify your business and to press “1” if you wanted to verify. After pressing “1”, youwere connected to a representative who claimed to be verifying your business; however, the call wasdisconnected. You are requesting that the calls stop as you think this is a scam.Please be advised, we attempted to locate an account in your name with the information provided;however, we were unsuccessful. To better assist you, we need additional information to locate theaccount(s) in question. Please provide the following:- Complete Comenity Bank Account Number- Any Name(s) of Accountholder- Any Addresses- Home Telephone NumberThis information can be mailed to the address listed 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, Jenny W[redacted]
Dear [redacted]:We received your additional complaint regarding the above-referenced account. ComenityCapital Bank previously issued American Laser Skincare credit accounts, and we are here tohelp with your account-related questions. Your complaint, addressed to the Better BusinessBureau, was forwarded to my attention, and I appreciate the opportunity to respond to yourconcerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We are also in receipt of your correspondence, submitted previously, regarding this samematter. I have enclosed our previous response for your records. After reviewing your account, our records indicate that when we received your initial disputeyour account received provisional credits for the disputed amounts. Please understand, oursystem initially credits the full amount of the disputed charge as a temporary credit until ourinvestigation comes to a conclusion. Once the investigation is completed, the provisional creditwill either remain on the account, or if the customer is responsible for the charge, the disputedamount is added back to the account. In your situation, only the remaining balance wascredited to your account. The law provides the only amount the Bank is responsible to credit iswhatever is left unpaid on the account at the time of the complaint.We apologize for the inconvenience you have experienced with the closing of American LaserSkincare; however, the Bank provided you with a credit of $702.00, which is the amount we areobligated to provided you under the law.Should you have any additional questions or concerns, please contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your David’s Bridal® credit card account. Comenity Capital Bank, formerly known as World Financial Capital Bank, issues David’s Bridal® credit card accounts and we respond to...
all account-related inquiries. I appreciate the opportunity to assist you. We understand your concerns regarding the Bank fees applied to your David’s Bridal® account, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. We have thoroughly reviewed your account, and we are pleased to share our findings below. Bank records indicate that the David’s Bridal® account was opened on January 28, 2012; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any fees and/or finance charges. For your reference, I have enclosed a table which outlines your statement activity from February 2012 through March 2014, including: purchases, payments, and Bank fees assessed. Information about the above-noted promotional plans was provided to you on your monthly billing statements in the “details of your plans” section. As agreed at the time of purchase, no interest would be assessed to the account should the balances be paid in full by the promotional plan ending dates. The following promotional plans were not paid in full by the respective promotional plan end dates: [redacted] and [redacted]; as a result, finance charges dating back to the original date of purchase were applied to the account. Please note, when a promotional plan expires, the remaining balance on the promotional plan is transferred to a revolving plan. Our records indicate that the annual percentage rate for revolving balances on your David’s Bridal® credit card has always been 26.99%. Furthermore, as payments were either not received for the minimum due amount, or were not received by the respective due date(s) for the months of March through May 2013, August through December 2013, and January through March 2014, late fees and finance charges were assessed to the account, pursuant of the CCA. For your review, we have enclosed a copy of the CCA, as well as copies of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
Dear [redacted]We received the complaint that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to...
my attention, and I appreciate the opportunity to address your concerns. We understand your concerns as explained in your correspondence. You state that you purchased a dress online from Ann Taylor. You returned the dress on September 27, 2015, the clerk accepted the dress and in exchange you received a receipt that stated “Return” $34.00, indicating a credit to your Ann Taylor/LOFT charge card; however, as of February 8, 2016, no credit has been applied to the account. In addition, you sent a letter with a copy of the receipt and have been in communication with customer service; they advised more time is needed. You request the return to be processed and a refund check issued to you. Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below. Our records indicate that your inquiry was previously received and a response was issued to you on November 9, 2015. We have enclosed a copy of our response for your records. After reviewing your return receipt, we find that the return on September 27, 2015, was applied to your debit card ending in 5708. As this return transaction was applied to your debit card, you will not see a $34.00 credit reflected on your Ann Taylor/LOFT account.Bank records indicate the account was closed, per your request, on February 13, 2016, with a zero balance. If you have any other questions regarding this return we suggest that you contact the store where the transaction was processed. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. We hope this information is helpful. Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely,Tionna M[redacted]
Dear [redacted], Thank you for passing along [redacted]’s communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] received a courtesy credit for late fees on her Woman Within credit card. She states the late fee credit was not in the correct amount...
which caused an additional late payment fee. Ms. [redacted] is requesting to have the correct late fee credit issued. FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D[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]
January 4, 2017
[redacted]
RE: [redacted] Credit Card Application
Revdex.com Complaint ID [redacted]
Dear [redacted]:
Comenity Bank (Bank) has received your correspondence regarding the above-referenced...
application. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns.
Your correspondence indicates an application was submitted for a [redacted] credit card using your personal information.
We understand your concern regarding the use of your personal information. Please be assured that no account was opened in connection with this application.
If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:
1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well.
[redacted]
###-###-#### [redacted].com
[redacted].com
[redacted].com
2. Identity theft is a crime. You can file a report with your local police or the police department in the community where the crime took place. Many police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detail. If the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rights.
3. You can go to the Federal Trade Commission website on identity theft: [redacted] It contains additional information and will refer you to resources that could be helpful in dealing with your situation.
Since you did not submit this application, notification has been sent to the credit reporting agencies to delete the inquiry associated with this application from your credit reports on October 4, 2016. This update should appear on your credit file within the next 45 calendar days. Please be assured, we have resent notification, per your request, to have the inquiry removed from the credit-reporting agencies.
However, please be aware that due to their compliance policies, the credit-reporting agencies do not delete inquiries from the consumer’s credit bureau report. When the Bank requests that an inquiry be removed, the credit-reporting agencies will change it to a soft inquiry. This means that the inquiry only appears when the consumer pulls his or her own credit report. A soft inquiry does not appear on a consumer’s credit report that is provided to a lender or any other authorized party, and it does not affect the consumer’s credit score. Therefore, you will continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report.
We apologize for any frustration or inconvenience this matter may have caused. I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.
In response to the letter that Comenity sent. I have to say that I understand that they have to investigate. I don’t agree with there 90 days policy. I have waited long enough for this and I’m being charged very high interest on this account. I expect for them to try to resolve this matter as soon as possible being that they have all the information for a very long time.
Dear [redacted]Comenity Capital Bank has received your complaint regarding the above-referenced account. Comenity Capital Bank issues the GameStop PowerUp Rewards credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you were...
advised that your account would not be charged off if you paid it by April 2017. Furthermore, you state that on April 3, 2017, you called to pay your account in full and you were advised that since you were paying it in full, your account would not be reported as a charged off account, but that it was paid in full. You further state that you contacted the Bank regarding the way your account is being reported; however, you were unable to get it resolved. You are requesting that the Bank report your account as paid, and not charged off. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations, and found that you were provided with incorrect information. Please be assured that calls of this nature are reviewed by our management team.Our records indicate that on March 26, 2017, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Please be advised that on April 3, 2017, the Bank received a payment of $777.19, which is after the account had already written-off. Please be assured that this information will be updated with the national credit-reporting agencies and your account will be reported as “charged off-paid”. Please allow the credit-reporting agencies 45 days to update their records.Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report.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]
See page 5 of 15 in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned 80 dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late. They should have been valid at the time of my purchase.Then, I was never given my 80.00 when comenity DID apply them. Comenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from Comenity. Comenity was acting fraudulently by rewarding the points, removing the points but never honoring the points. I want a check for 80.00 sent to me, no more no less.
Regards,
[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Cmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We understand...
from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clients. You then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statements. and you were unable to pay online. In December,you paid three months' worth of payments plus late fees. You are concerned your balance isincorrect. You state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,2016. Below is a summary of our conversationand information regarding the BanK's actions in regard to this matter.On June 12, 2015. the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with you. Additionally, theyrequested to have any future correspondence directed to the law firm. To comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by them. As such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removed. Please be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$105.00. As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balance. Enclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter. the Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (En can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone:If you need to make a payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representative. A fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representation. Please be advised we received twopayments processed via telephone while attorney representation was on the account. OnAugust 3, 2015, we received your payment of $400.00, and December 8. 2015, we receivedyour payment of $150.00. Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activity. At this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureaus. Also, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced accounts. ComenityBank issues the Victoria’s Secret Angel and The Limited credit cards. We are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence...
submitted to the Revdex.com regarding thismatter. As previously stated, we are unwilling to remove any fees from your account or update your creditbureau history, as it is valid. Additionally we understand you are saying that the Bank gave you incorrectpay-off amountsAfter reviewing calls you had with the Bank, we found no indication that a Bank representative gave youconflicting information regarding the account balances,Bank records indicate that your payments for each account noted above were due by June 11, 2016;however, the Bank did not receive payments for both of your accounts until July 6, 2016. As a result of thepayments being received after the due date, late fees were assessed on each of the accounts.Furthermore, statements continued to be sent to your showing that a balance still remained on the account;however, no payments were received. As a result late fees continued to be assessed to your accounts.Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W[redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel and The Limited credit cards. Weare here to answer your questions and assist with your concerns.Your complaint states that you consolidated some of your debts through Decatur EarthmoverCredit Union and provided them with the payoff amounts for your accounts. You further state thatyour bank sent in payments to pay off both accounts, and included letters to close both accounts.However, you are still being charged monthly and the balances continue to increase, which iscausing a negative effect on your credit. You are requesting that the balances on your accountsbe brought to zero as you have paid both accounts in full. I understand your concerns andapologize for any confusion or frustration this matter may have caused you.Bank records indicate that on May 16, 2016, your Victoria’s Secret Angel account statement wasissued to you showing a balance of $337.67, with a minimum payment of $40.00 due by June 11,2016. Please be advised that Comenity Bank received your payment of $337.67 on July 6, 2016.As a result of the payment being received after the due date, a late fee was assessed to youraccount. Furthermore, billing statements continued to be issued to you showing a balance stillremained on the Victoria’s Secret Angel account; however, for the months of July 2016,September 2016, October 2016, November 2016, December 2016, January 2017, February 2017,and March 2017 no payments were made. As a result, late fees were assessed to your account.Please be advised that on April 15, 2017, your Victoria’s Secret Angel account was permanentlyclosed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Ihave enclosed the billing statements for your review.Bank records further indicate that on May 16, 2016, The Limited account statement was issuedto you showing a balance of $404.88, with a minimum payment of $47.00 due by June 11, 2016.Please be advised that Comenity Bank received your payment of $404.88 on July 6, 2016. As aresult of the payment being received after the due date, a late fee was assessed to your account.Furthermore, billing statements continued to be issued to you showing a balance still remainedon The Limited account; however, for the months of July 2016, September 2016, October 2016,November 2016, December 2016, January 2017, February 2017, and March 2017 no paymentswere made. As a result, late fees were assessed to your account. Please be advised that on April15, 2017, The Limited account was permanently closed, written-off, and reported to the nationalcredit-reporting agencies as an unpaid debt. I have enclosed the billing statements for yourreview.Comenity Bank did not find any billing errors. Therefore, we are unwilling to remove any fees thatwere assessed to your accounts, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies. We have found the information we reportedis an accurate reflection of the payment history for your accounts. Therefore, this information willnot be changed or removed from your credit bureau report.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
Please submit documentation where I signed up for paperless statements. Please provides the payment source of all payments made.
Regards, [redacted]
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to...
your concerns. We understand from your complaint that you made a payment in the amount of $13, 451.63 on December 11, 2015, and your available credit had not been restored to your account immediately. We also understand you are requesting compensation for your frustration of not having the funds available. Due to the amount of your payment Comenity Capital Bank requires additional time to process the payment. Our records indicate you contacted our Customer Care team and were told that your payment would be held for seven to fourteen days. Also, due to the frustration you experienced due to the funds not being available I have added $40.00 to your BJ’s awards. We hope this information is helpful and apologize for any frustration you experienced regarding this matter. Should you have any further questions, please contact me at ###-###-####, ext[redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[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 Mr. [redacted]We are in receipt of your additional complaint regarding the above-referenced account. Comenity Bank issues PALAIS ROYAL credit card accounts, and we respond to all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.In your complaint you are rejecting our previous response dated May 11, 2016. You state you attempted to obtain a subpoena from the [redacted] courts, and were advised that you were unable to get a subpoena for Comenity Bank, unless you have an open case with Comenity Bank.Your previous complaint states that the account was opened in December 2015. You advised that you only opened an account with [redacted] in the last year, therefore, you believe the PALAIS ROYAL account is fraudulent. You are requesting Comenity Bank remove this account from your credit report.Please note, our response dated May 11, 2016, advised you that the PALIAS ROYAL account was opened in March 4, 2013. Additionally, the response advised that if you wanted a copy of the credit card application, a subpoena would be required. Furthermore, we advised you that the account was sold to Portfolio Recovery on December 21, 2015.Please be advised that Comenity Bank no longer owns the account and we are no longer reporting the account. A review of the information you submitted indicates that as the owner of the account, Portfolio Recovery is now reporting the account. Please contact Portfolio Recovery directly at ###-###-#### for any further assistance.I hope you have found this information helpful. If you need additional assistance, contact Portfolio Recovery at the phone number listed above. They will be happy to assist you.Sincerely,Geanine M[redacted]
Dear [redacted]We received your additional complaint, addressed to the Revdex.com, regarding a Stagecredit card account. Cornenity Bank issues Stage credit cards, and we respond to all account-relatedquestions and concerns. Your complaint was forwarded to my attention, and I appreciate the opportunityto assist you.Our records indicate that the situation referenced in your correspondence has been investigated and aresponse has been previously issued on June 2, 201 5, explaining our findings and resolution. Please beadvised, Cornenity Bank positions remains unchanged. We have enclosed a copy of our previousresponse for your records.We apologize far any frustration or inconvenience you may have experienced regarding this matter.Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
[redacted] sold me their phone & gave me one free that's designed to work with their network. I continue to have coverage issues. Their website says I have coverage, their extended coverage says indoor coverage is better. I have issues with indoor coverage as well. Their website is not agreeing with what they are telling me. They say I have the coverage I'm supposed to have. Why does their website state,otherwise? I've given them several areas with no coverage, those areas are within their coverage area. They haven't responded to these areas when I ask. I need further assistance.Thanks,[redacted]
Dear Mr. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues The Sportsman’s Guide Buyer’s Club™ Advantage Rewards VISA®, BEALLS, Crate&Barrel, FARMERS® REWARDS VISA®, Marathon Visa®, ...
Redicard+® VISA®, SPORTS AUTHORITY®, Buckle, TOTAL REWARDS® VISA®, WESTGATE Rewards MasterCard® and DSW REWARDS VISA® 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 the above-referenced accounts where closed and you are requesting that the accounts are reopened. I am happy to share my findings with you. Please be assured that the above-referenced accounts have been reopen as of March 13, 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 regarding the above-referenced credit card account. Comenity Bankissues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.In your complaint, you state that you continue to receive telephone calls from telephone number###-###-####. You further state that when you answered, it was an electronic service claiming to beGoogle calling to verify your business and to press “1” if you wanted to verify. After pressing “1”, youwere connected to a representative who claimed to be verifying your business; however, the call wasdisconnected. You are requesting that the calls stop as you think this is a scam.Please be advised, we attempted to locate an account in your name with the information provided;however, we were unsuccessful. To better assist you, we need additional information to locate theaccount(s) in question. Please provide the following:- Complete Comenity Bank Account Number- Any Name(s) of Accountholder- Any Addresses- Home Telephone NumberThis information can be mailed to the address listed 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, Jenny W[redacted]
Dear [redacted]:We received your additional complaint regarding the above-referenced account. ComenityCapital Bank previously issued American Laser Skincare credit accounts, and we are here tohelp with your account-related questions. Your complaint, addressed to the Better BusinessBureau, was forwarded to my attention, and I appreciate the opportunity to respond to yourconcerns.We understand your frustration because American Laser Skincare went out of business and youare not able to pursue obtaining services; however, we are only able to help you with yourAmerican Laser Skincare credit card account.We are also in receipt of your correspondence, submitted previously, regarding this samematter. I have enclosed our previous response for your records. After reviewing your account, our records indicate that when we received your initial disputeyour account received provisional credits for the disputed amounts. Please understand, oursystem initially credits the full amount of the disputed charge as a temporary credit until ourinvestigation comes to a conclusion. Once the investigation is completed, the provisional creditwill either remain on the account, or if the customer is responsible for the charge, the disputedamount is added back to the account. In your situation, only the remaining balance wascredited to your account. The law provides the only amount the Bank is responsible to credit iswhatever is left unpaid on the account at the time of the complaint.We apologize for the inconvenience you have experienced with the closing of American LaserSkincare; however, the Bank provided you with a credit of $702.00, which is the amount we areobligated to provided you under the law.Should you have any additional questions or concerns, please contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your David’s Bridal® credit card account. Comenity Capital Bank, formerly known as World Financial Capital Bank, issues David’s Bridal® credit card accounts and we respond to...
all account-related inquiries. I appreciate the opportunity to assist you. We understand your concerns regarding the Bank fees applied to your David’s Bridal® account, and we sincerely apologize for any frustration or inconvenience this matter may have caused you. We have thoroughly reviewed your account, and we are pleased to share our findings below. Bank records indicate that the David’s Bridal® account was opened on January 28, 2012; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any fees and/or finance charges. For your reference, I have enclosed a table which outlines your statement activity from February 2012 through March 2014, including: purchases, payments, and Bank fees assessed. Information about the above-noted promotional plans was provided to you on your monthly billing statements in the “details of your plans” section. As agreed at the time of purchase, no interest would be assessed to the account should the balances be paid in full by the promotional plan ending dates. The following promotional plans were not paid in full by the respective promotional plan end dates: [redacted] and [redacted]; as a result, finance charges dating back to the original date of purchase were applied to the account. Please note, when a promotional plan expires, the remaining balance on the promotional plan is transferred to a revolving plan. Our records indicate that the annual percentage rate for revolving balances on your David’s Bridal® credit card has always been 26.99%. Furthermore, as payments were either not received for the minimum due amount, or were not received by the respective due date(s) for the months of March through May 2013, August through December 2013, and January through March 2014, late fees and finance charges were assessed to the account, pursuant of the CCA. For your review, we have enclosed a copy of the CCA, as well as copies of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus. We hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted]We received the complaint that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to...
my attention, and I appreciate the opportunity to address your concerns. We understand your concerns as explained in your correspondence. You state that you purchased a dress online from Ann Taylor. You returned the dress on September 27, 2015, the clerk accepted the dress and in exchange you received a receipt that stated “Return” $34.00, indicating a credit to your Ann Taylor/LOFT charge card; however, as of February 8, 2016, no credit has been applied to the account. In addition, you sent a letter with a copy of the receipt and have been in communication with customer service; they advised more time is needed. You request the return to be processed and a refund check issued to you. Please note, we have reviewed the above-noted credit card account, and we are pleased to share our findings below. Our records indicate that your inquiry was previously received and a response was issued to you on November 9, 2015. We have enclosed a copy of our response for your records. After reviewing your return receipt, we find that the return on September 27, 2015, was applied to your debit card ending in 5708. As this return transaction was applied to your debit card, you will not see a $34.00 credit reflected on your Ann Taylor/LOFT account.Bank records indicate the account was closed, per your request, on February 13, 2016, with a zero balance. If you have any other questions regarding this return we suggest that you contact the store where the transaction was processed. We value you as a customer, and we sincerely apologize for any confusion or frustration this situation may have caused you. We hope this information is helpful. Should you have any further questions or concerns regarding this situation, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely,Tionna M[redacted]
Dear [redacted], Thank you for passing along [redacted]’s communication. We reached out to her via email and provided an explanation.We understand Ms. [redacted] received a courtesy credit for late fees on her Woman Within credit card. She states the late fee credit was not in the correct amount...
which caused an additional late payment fee. Ms. [redacted] is requesting to have the correct late fee credit issued. FullBeauty Brands (d/b/a Woman Within) cannot assist Ms. [redacted] with her Woman Within credit card. Comenity Bank is an unrelated third party and FullBeauty Brands (d/b/a Woman Within) does not have the ability to accept payments or remove fees and interest. We ask that Ms. [redacted] and your office work directly with Comenity Bank if she needs further assistance with this matter.Comenity's Contact information is as follows:Comenity BankPO Box 182273Columbus, OH 4321822731-866-776-9859We thank Ms. [redacted] for taking the time to inquire and trust that we provided the information required to resolve this matter. Please feel free to let me know if you have any other questions.Sincerely,Jasmine D[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]
January 4, 2017
[redacted]
RE: [redacted] Credit Card Application
Revdex.com Complaint ID [redacted]
Dear [redacted]:
Comenity Bank (Bank) has received your correspondence regarding the above-referenced...
application. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns.
Your correspondence indicates an application was submitted for a [redacted] credit card using your personal information.
We understand your concern regarding the use of your personal information. Please be assured that no account was opened in connection with this application.
If you believe you have been a victim of identity theft, or there was an attempted identity theft using your identity, there are some steps we suggest you immediately consider taking if you have not done so already:
1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of them, the one you contact is required to notify the other two to place an alert on their files as well.
[redacted]
###-###-#### [redacted].com
[redacted].com
[redacted].com
2. Identity theft is a crime. You can file a report with your local police or the police department in the community where the crime took place. Many police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detail. If the detailed Identity Theft Report is available, we recommend you obtain a copy in order to protect your rights.
3. You can go to the Federal Trade Commission website on identity theft: [redacted] It contains additional information and will refer you to resources that could be helpful in dealing with your situation.
Since you did not submit this application, notification has been sent to the credit reporting agencies to delete the inquiry associated with this application from your credit reports on October 4, 2016. This update should appear on your credit file within the next 45 calendar days. Please be assured, we have resent notification, per your request, to have the inquiry removed from the credit-reporting agencies.
However, please be aware that due to their compliance policies, the credit-reporting agencies do not delete inquiries from the consumer’s credit bureau report. When the Bank requests that an inquiry be removed, the credit-reporting agencies will change it to a soft inquiry. This means that the inquiry only appears when the consumer pulls his or her own credit report. A soft inquiry does not appear on a consumer’s credit report that is provided to a lender or any other authorized party, and it does not affect the consumer’s credit score. Therefore, you will continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report.
We apologize for any frustration or inconvenience this matter may have caused. I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.
Sincerely,
[redacted]
In response to the letter that Comenity sent. I have to say that I understand that they have to investigate. I don’t agree with there 90 days policy. I have waited long enough for this and I’m being charged very high interest on this account. I expect for them to try to resolve this matter as soon as possible being that they have all the information for a very long time.
Dear [redacted]Comenity Capital Bank has received your complaint regarding the above-referenced account. Comenity Capital Bank issues the GameStop PowerUp Rewards credit card. We are here to answer your questions and assist with your concerns.Your complaint states that you were...
advised that your account would not be charged off if you paid it by April 2017. Furthermore, you state that on April 3, 2017, you called to pay your account in full and you were advised that since you were paying it in full, your account would not be reported as a charged off account, but that it was paid in full. You further state that you contacted the Bank regarding the way your account is being reported; however, you were unable to get it resolved. You are requesting that the Bank report your account as paid, and not charged off. We understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations, and found that you were provided with incorrect information. Please be assured that calls of this nature are reviewed by our management team.Our records indicate that on March 26, 2017, your account was permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Please be advised that on April 3, 2017, the Bank received a payment of $777.19, which is after the account had already written-off. Please be assured that this information will be updated with the national credit-reporting agencies and your account will be reported as “charged off-paid”. Please allow the credit-reporting agencies 45 days to update their records.Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report.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]
See page 5 of 15 in the email correspondence document.See the February Statement attached.See reward pdfSee all other statementsI will send phone records on request.At the time I made my purchase I had earned 80 dollars of reward points that, at the time, did not expire for one year and were therefore valid at the time of purchase, see my correspondence in conjunction with my statements for the date they were applied- a year and several moths late. They should have been valid at the time of my purchase.Then, I was never given my 80.00 when comenity DID apply them. Comenity just took them away with no monetary compensation from either Crate and Barrel (CB2) or from Comenity. Comenity was acting fraudulently by rewarding the points, removing the points but never honoring the points. I want a check for 80.00 sent to me, no more no less.
Regards,
[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Cmenity Bank issues Woman Within credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond toyour concerns.We understand...
from your complaint that you were recently represented by an attorney that wasthrown in jail due to a serious crime he committed against his clients. You then notified theBank of the situation and paid $400.00, and asked for statements to be sent to you by mail.You state you never received statements. and you were unable to pay online. In December,you paid three months' worth of payments plus late fees. You are concerned your balance isincorrect. You state you were previously advised that your credit bureau is reflecting that theaccount was included in a bankruptcy.Thank you for speaking with me on January 28,2016. Below is a summary of our conversationand information regarding the BanK's actions in regard to this matter.On June 12, 2015. the Bank received notification from [redacted] that you weretheir client and that we were to cease and desist communication with you. Additionally, theyrequested to have any future correspondence directed to the law firm. To comply with thisrequest, a cease and desist status was placed on your account and the law firm's address wasadded to the account so all correspondence, including billing statements, would be sent to thelaw firm.On January 13, 2016, the Bank received your letter, dated December 30, 2015, advising us ofthe situation regarding [redacted] and that you were no longer beingrepresented by them. As such, the attorney's information was removed from your account, andthe cease and desist they ordered, was removed. Please be assured that all correspondencewill be directed to you.On December 9, 2015, the Bank issued credits for previously assessed late fees totaling$105.00. As the Bank finds the balance to be valid, we are unwilling to refund any furthercharges pertaining to the balance. Enclosed please find your billing statements which show theaccount activity that comprised the account balance.Please keep in mind when payments are not received, are received aRer the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter. the Woman Within@ account has a balance of $809.50.To provide the best customer service possible, please note the following ways in whichpayments may be made. Choose a payment method that is right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (En can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to wmplete the financial transfer from your personal bank account to yourWoman Within@ account.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you're a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone:If you need to make a payment the same-day, you may call us at the phone number on the badof your billing statement to speak to a Customer Care representative. A fee may apply to samedaypayments made with the representative.When we spoke you stated that we advised you that we were unable to process your paymentsvia telephone, because of the attorney representation. Please be advised we received twopayments processed via telephone while attorney representation was on the account. OnAugust 3, 2015, we received your payment of $400.00, and December 8. 2015, we receivedyour payment of $150.00. Phone payments are an available option for you.Comenity Bank is required by law to report factual data to the credit-reporting agencies withregard to account activity. At this time, Comenity Bank finds no errors in I k reporting of youraccount to the credit bureaus. Also, please be assured that Comenity Bank is not reporting anybankruptcy for the account.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced accounts. ComenityBank issues the Victoria’s Secret Angel and The Limited credit cards. We are here to answer yourquestions and assist with your concerns.We previously responded to your correspondence...
submitted to the Revdex.com regarding thismatter. As previously stated, we are unwilling to remove any fees from your account or update your creditbureau history, as it is valid. Additionally we understand you are saying that the Bank gave you incorrectpay-off amountsAfter reviewing calls you had with the Bank, we found no indication that a Bank representative gave youconflicting information regarding the account balances,Bank records indicate that your payments for each account noted above were due by June 11, 2016;however, the Bank did not receive payments for both of your accounts until July 6, 2016. As a result of thepayments being received after the due date, late fees were assessed on each of the accounts.Furthermore, statements continued to be sent to your showing that a balance still remained on the account;however, no payments were received. As a result late fees continued to be assessed to your accounts.Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Jenny W[redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel and The Limited credit cards. Weare here to answer your questions and assist with your concerns.Your complaint states that you consolidated some of your debts through Decatur EarthmoverCredit Union and provided them with the payoff amounts for your accounts. You further state thatyour bank sent in payments to pay off both accounts, and included letters to close both accounts.However, you are still being charged monthly and the balances continue to increase, which iscausing a negative effect on your credit. You are requesting that the balances on your accountsbe brought to zero as you have paid both accounts in full. I understand your concerns andapologize for any confusion or frustration this matter may have caused you.Bank records indicate that on May 16, 2016, your Victoria’s Secret Angel account statement wasissued to you showing a balance of $337.67, with a minimum payment of $40.00 due by June 11,2016. Please be advised that Comenity Bank received your payment of $337.67 on July 6, 2016.As a result of the payment being received after the due date, a late fee was assessed to youraccount. Furthermore, billing statements continued to be issued to you showing a balance stillremained on the Victoria’s Secret Angel account; however, for the months of July 2016,September 2016, October 2016, November 2016, December 2016, January 2017, February 2017,and March 2017 no payments were made. As a result, late fees were assessed to your account.Please be advised that on April 15, 2017, your Victoria’s Secret Angel account was permanentlyclosed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Ihave enclosed the billing statements for your review.Bank records further indicate that on May 16, 2016, The Limited account statement was issuedto you showing a balance of $404.88, with a minimum payment of $47.00 due by June 11, 2016.Please be advised that Comenity Bank received your payment of $404.88 on July 6, 2016. As aresult of the payment being received after the due date, a late fee was assessed to your account.Furthermore, billing statements continued to be issued to you showing a balance still remainedon The Limited account; however, for the months of July 2016, September 2016, October 2016,November 2016, December 2016, January 2017, February 2017, and March 2017 no paymentswere made. As a result, late fees were assessed to your account. Please be advised that on April15, 2017, The Limited account was permanently closed, written-off, and reported to the nationalcredit-reporting agencies as an unpaid debt. I have enclosed the billing statements for yourreview.Comenity Bank did not find any billing errors. Therefore, we are unwilling to remove any fees thatwere assessed to your accounts, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies. We have found the information we reportedis an accurate reflection of the payment history for your accounts. Therefore, this information willnot be changed or removed from your credit bureau report.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]
the Bank is unable to purge my information from their system. This is unacceptable. Regards, [redacted]