I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me, since you closed the accounts I requested. I want to make it very clear that it is my intent to fulfill my obligation to pay those accounts out in full.
Regards, [redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Marathon credit card. We are here to answer your questionsand assist with your concerns.We understand that you have received a billing statement for an...
account that is not yours. Youstate you do have an account with Comenity Bank, however the Marathon credit card is not theaccount. I understand that you are requesting the account be removed from you credit bureaureport.Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team,and fraud case number [redacted]. The investigation may take up to 90 days to be completed,and you will be notified by mail of the outcome. If you have any questions regarding the fraudinvestigation, you may reach the Account Protection Team at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues Virgin America Visa@ credit card accounts, andwe respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate this...
opportunity to assist you.Your compliant indicates that you have not received the companion ticket code. You state thatyou have paid the annual fee that is associated with the credit card and have not received anybenefits from having the credit card. You are asking for a refund on the annual fee in theamount of $49.00.Bank records indicate an error occurred with the companion ticket code, we will be sending youyour companion code by next week. Unfortunately, we were unaware of this error andapologize for the inconvenience you have experienced due to this error.In the interest of customer service we have issued a credit in the amount of $49.00 for theannual fee.Should you have any questions or concerns, please feel free to contact me at ###-###-####ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the fullbeauty credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as stated in your...
correspondence. You were charged $19.00 for a club membership fee that you did not authorize. You are requesting to have the fees credited, your account brought to zero, and any negative information on your credit report related to this matter removed. According to fullbeauty records, the charge of $19.00 was for the renewal of the Shopper’s Club membership, which is purchased through the Woman Within catalog department. If you have additional concerns or questions regarding this renewal or wish to cancel future renewals, we ask that you contact Woman Within directly at ###-###-####. In the interest of customer service, we have credited $173.66 for the renewal of the Shopper’s Club membership fee, the late fees, and finance charges, which will bring the account to a zero balance. We have also corrected the payment history to reflect a current account. Please allow the credit agencies 45 days 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, Tionna M[redacted]
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Meijer credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the credit limit and available credit on your account. You are requesting to have the credit limit increased to $2,100.00, as you were led to believe. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please be assured, we have reviewed all applicable phone calls, and any coaching opportunities have been addressed. Our records indicate on May 22, 2017, you requested a credit limit increase through the Bank’s Account Center. A response was sent on May 23, 2017, advising that because the credit limit on the account was recently increased, your account is not eligible for an additional credit increase at this time. We have enclosed a copy of our response for your review. The account is automatically reviewed for credit limit increases. Any changes in the credit limit will be reflected on your monthly billing statement. 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, Jon S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues Pier 1 Imports® and New York & Company credit card accounts, and werespond to account-related questions. Your complaint was...
forwarded to my attention, and I appreciate theopportunity to respond to your concerns. We understand your concerns regarding the status of your Pier 1 Imports® and NewYork & Company account and that you would like to have the accounts closedand new accounts opened so that you may use your accounts. We apologize for any frustration that thisissue may have caused you. Although Comenity Bank takes every precaution to prevent credit card fraud, fraudulentactivity can still occur. Please be advised that your accounts are being handled by our Account Protection teamand if you have any questions regarding the status of the account pleasecontact your investigator, [redacted], at ###-###-####, ext. [redacted] We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext[redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, [redacted]Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace® credit card accounts, and we respond to 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 on June 27, 2016, for $2,033.97, and you are stating that you exchanged the chair for a chaise lounge and when the chaise lounge arrived it didn’t fit; therefore, you returned it and you also cancelled the rug. You state that you have not been credited for the returned and cancelled items that was purchased using the roomplace® credit card and a personal card. You are requesting that your account be credited for the merchandise and the finance charges that have been assessed due to your account not being credited. We apologize for any inconvenience this matter may have caused you. Please note that Comenity Bank and The Roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to the the roomplace® credit card account. The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards. We have contacted The Roomplace on your behalf regarding your returned and cancelled items. Please be advised that a credit of $229.79 was applied to your account on November 18, 2016. We were also advised that a credit of $59.27 was applied to your personal credit card. For additional information regarding your returns or cancellations, please contact The Roomplace directly at 1-630-783-8000. Our records indicate that your purchase of $2,033.97 was placed on a 24 month deferred interest plan, as this purchase is not subject to any finance charges, no credit will be issued to your account for the previously assessed finance charges. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely,
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were not receiving your billing statements, and you have been receiving collection calls in regards to your account. You state that you have been told that you have been accumulating late fees. You state that you have contacted our customer service department and were told that the late fees would be removed, however; they were never removed, and you closed the account because your credit was completely destroyed. You state that only $90.00 of the fees were removed. Furthermore, you are requesting to have the late fees refunded and to have your credit report fixed. We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel account. Bank records indicate statements were returned to the Bank as undeliverable up until your billing address was updated on August 4, 2016. On this date we issued credits in the amount of $55.00 for late fees assessed to the account due to this matter. Furthermore, our records indicate the billing statements were delivered to the above noted address since the address updated in August 2106. Additionally, your payment due date is the 27th of every month. The Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information.The account was closed per your request on April 17, 2017. We respectfully decline your request to remove any additional late fees. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues OLD PUEBLO TRADERS® credit cardaccounts, and we are here to assist you with all account-related questions or concerns. Iappreciate the opportunity to respond to your concerns.We understand from your additional complaint that you would like [redacted] Bank’s contactinformation so that you can contact them regarding the refund. You asked why Comenity Bankcannot request the refund.Thank you for speaking with me on November 1, 2016. Please find a summary of ourconversation below.Please be advised that Comenity Bank released the funds to [redacted] Bank on July 27, 2016.We no longer have these funds; as such, your bank would need to contact [redacted] Bank toreceive the refund.I spoke to [redacted] at [redacted] Bank on November 1, 2016, and provided her with referencenumber [redacted], which identifies the specific transmission of funds from [redacted]Bank to [redacted] Bank.Additionally, we received a second confirmation number of [redacted], which identifiesthe specific reference number for the funds that are located at [redacted] Bank.[redacted] advised that she is reaching out to the adjustments area, they are researching the refunddetails, and she will provide you with a telephone call when she has more information.I hope that this information is helpful. Should you have any further questions regarding youraccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R**
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the J.Crew and Victoria’s Secret Angel credit cards. The Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you have the above-referenced accounts with the Bank and the payment due dates are all on or after the 21st of each month. You indicate you paid the balance in full on July 12, 2017, for both The Limited account and the Victoria’s Secret Angel account. You state the Credit Card Agreement (CCA) says paying the account in full will avoid interest charges; however, you were charged interest the next month on The Limited account but not the Victoria’s Secret Angel account. Your correspondence states you are disputing the amount of $20.95 and want all interest assessed to your accounts in the month of July to be credited. You also ask for all interest on all of your Comenity Bank accounts to be credited going forward. We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matter. In that correspondence we advised that The Limited account was credited on July 26, 2017, for the $20.95 amount in dispute. Please find enclosed a copy of our response dated August 30, 2017. Additionally, the enclosed letter explains the Grace Period on your accounts and when trailing interest finance charges may be assessed. We have also reviewed your Victoria’s Secret Angel account. As a courtesy, we have credited the finance charge of $2.84 that was assessed to the account on August 2, 2017. This has resulted in a credit balance on the account of $2.84. This will be reflected in your next statement. There were no trailing interest finance charges assessed to your J.Crew account. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alesa C[redacted] Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria's Secret Angel credit card account. We are here toanswer your questions and assist with your concerns.You state you applied for the credit card to receive a discount,...
however, you did not receive thebill on time, so a late fee was added. You called customer care and advised them of the late fee,the representative told you they would remove the late fee. You then received collection calls andthe representative was rude. You have had more fees added to your account and you feel likethe Bank is making you pay for our mistake. You would the Bank fees waived as you were advisedthe fees were being removed.We received your dispute on January 15, 2018, for late fees. Please be assured our disputeresolution team is currently working to resolve your dispute. Please also be aware, disputeinvestigations may take up to ninety days to complete. Upon completion of our investigation, wewill notify you of our findings by mail. We appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted]:We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts. Comenity Bank issues LOVELOFT MasterCard® and ANN TAYLOR MasterCard® 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 were upgraded to a MasterCard® account; you always paid on time and used to pay at the store. When your account fell past due it was sent to another company to be collected. You made a payment of $500.00 to a company called Improved Data Services. You are concerned you may have been scammed and you are requesting your money back; a letter stating that the Ann Taylor store was closed and moved out of the Galleria Mall and the other store went bankrupt. Please be advised Comenity Bank and ANN TAYLOR /LOVELOFT are two separate entities. Comenity Bank is responsible for addressing questions related to ANN TAYLOR /LOVELOFT credit card accounts, while ANN TAYLOR /LOVELOFT is responsible for addressing questions related to their stores location and operation.Our records indicate that the LOVELOFT MasterCard® account was opened on October 4, 2008, and the ANN TAYLOR MasterCard® account was opened on April 13, 2010. Use of the accounts, or failure to close the accounts within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. Please be advised that finance charges are assessed to the account each month if the previous statement balance is not paid in full, as indicated in the CCA. Regarding the LOVELOFT MasterCard® account; the last purchase of $20.19 was made on January 10, 2015, and the last payment of $100.00 was received on July 28, 2015. As no further payments were received, on November 2, 2015, the account was permanently closed and written-off, due to non-payment, with a balance of $4,002.12.Regarding the Ann Taylor MasterCard® account; the last purchase of $25.01 was made on September 10, 2011, and the last payment of $61.00 was received on May 27, 2015. As no further payments were received, on January 2, 2016, the account was permanently closed and written-off, due to non-payment, with a balance of $1,187.12.The Bank sold the LOVELOFT MasterCard® account on November 19, 2015, and the ANN TAYLOR MasterCard® account on January 19, 2016, to Southwestern Investor Group. For any additional information about the accounts, you may contact Southwestern Investor Group at ###-###-####.Please be advised that the Bank is unable to refund your payment of $500.00, as it was not paid to Comenity Bank. If you believe the payment was made to an unauthorized party, please review the transaction with your financial institution. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. We hope you find this information 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]
Comenity Capital Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 06/30/2017. Please let me know if this extension date is not approved. Thank you,
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding an account. Comenity Bank issues multiple retail credit card accounts. We are here to answer your questions and assist with your concerns. We understand from your complaint that there were charges...
made to an account in 2015 that are not yours. You state that you continue to call and you are informed that the department can only pull up transactions from the last six months and beyond. You state that you are transferred from each department and have been calling for the last six months attempting to resolve this matter; however, no one can help you. You further state that this matter is affecting your credit report and you request a letter confirming the fraud charges. You also request a billing adjustment. I am happy to share my findings. We are unable to locate the account you are referencing regarding this matter. To further research your concerns, we request the following: Comenity Bank Account NumberThe amount and date of the purchases You may also contact our Account Protection team directly regarding this matter at ###-###-####. 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]
[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previouslyissued American Laser Skincare credit accounts, and we are here to help with account-related questions.The complaint, addressed to the Revdex.com, was forwarded to my...
attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint that you never received the paperwork to submit a dispute regardingtreatments you did not receive from American Laser Skincare. You state that as a result, your dispute wasclosed, and the account was turned over to a debt collector. This has negatively impacted your credit, andyou want the dispute resolved.In order for us to process the dispute, and for you to preserve your rights, we require written confirmationregarding the transaction(s) you are disputing. Please complete the form included with this letter.If any information is missing, this form may be returned and no dispute filed. This form must be receivedat the following address within 30 days from the date on this letter, or within 60 days from the date of thestatement on which the disputed charges appear, whichever is later.[redacted] [redacted]
[redacted]
[redacted]If you fail to return the form within the requested timeframe, we will assume that you no longer wish tocontinue the dispute process, and your complaint will be considered voluntarily withdrawn.Additionally, please be advised that we have recalled the account from the collection agency to which itwas sold. This process can take up to 90 days to complete; however, the collection calls should ceasewithin the next week or two. Furthermore, please be aware that Comenity Capital Bank is no longerreporting the account to the credit-reporting agencies.We apologize for any inconvenience this matter may have caused you. Should you have any additionalquestions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
I am rejecting this response because: The matter has not been resolved, as stated in their PDF it may take them 90 days to resolve. As you can see with the attachments I attached above, I clearly paid the balance in FULL by the expiration date. This should really be a cut and dry case and should take no longer than 48 hours.
Regards,[redacted]
Dear Ms. [redacted]We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal Credit. Your correspondence was forwarded to ComenityCapital Bank. The PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, Inc. PayPal Credit is a...
payment option made available bymany merchants to their customers.Your complaint states you believe you entered into a payment plan with PayPal Creditwith the intent that the payment plan would keep your account open. You wereinformed by PayPal Credit your account was closed. You would like your account to bereinstated.On July 27, 2014, your account became past due and on August 8, 2014, PayPal Creditbegan calling you regarding your past due balance. No payments were received onyour account between July 27, 2014, and October 26, 2014. In a phone call on October27, 2014, with PayPal Credit, a representative offered to enroll your account in anAccount Restructuring Program (ARP) to bring your account out of delinquency. Youwere advised late fees and interest would still accrue while you were enrolled in theARP.You agreed to the ARP and the representative helped schedule three payments of$57.00 each, to be paid on November 26, 2014, December 26, 2014, and January 26,2015. The representative notified you that once the three scheduled payments weremade successfully, the terms of the ARP would conclude and your monthly minimumpayment due would be reduced to $35.00.Please note your account was closed on November 3, 2014, as it was 90 days pastdue. Per paragraph 13 of the Terms and Conditions of your account, "[ilf you are indefault, we may suspend or close your Account ...y ou will not be able to make newPurchases or Cash Advances but you still have to pay any remaining balance in full." Acopy of the Terms and Conditions are enclosed for your reference.Even with a closed account you are still expected to make the minimum payments.Enrollment in the ARP does not stop your account from closing if your account becomes90 days past due during enrollment. Additionally, successful completion of ARP doesnot reopen a closed account. On January 26, 2015, you successfully made your thirdpayment in the ARP; therefore, your minimum payment was reduced to $35.00 a month,as reflected on your billing statement dated February 1, 2015.In a June 3, 2015, phone call with PayPal Credit, you were informed your account wasclosed in November 2014 when it fell 90 days past due. You were offered the option torequest to have your account reinstated which you accepted. The same day, yourrequest for reinstatement was declined due to the delinquent history on your account,which you were informed of during a phone call with PayPal Credit on June 5, 2015,and in a letter dated June 9, 2015.At this time, PayPal Credit is unable to honor your request to reinstate your account atthis time. However, if you continue to establish a history of timely payments forapproximately three to six months, you may submit another request for reinstatement.We hope this letter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses`
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues chadwicksTM credit card accounts, and we are hereto assist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We...
understand from your complaint that you became involuntarily unemployed in July of 2014.You then contacted Assure Credit to obtain assistance since you had a loss of income. Youstate you filled out the necessary paper work and submitted it to the credit protection programfor the account. You then had to move and had trouble receiving your mail and had to changeyour address with every creditor because your mail was not forwarded. You were able to findwork in August of 2014 and have since paid your balance in full. You would like the reporting of30 and 60 day delinquencies to be removed from your credit report as Account Assure was notwilling to assist you.Please be assured, as of May 18, 2015, notification has been sent to the national creditreportingagencies with instructions to remove the negative payment information, regarding thechadWicksTM account, from your credit report. Please allow the credit-reporting agencies 45days to update their records.Additionally, the chadwicksTM account has a credit balance of $357.64. Account Assure hasissued credit totaling $322.64, since your claim has been approved, and the Bank has issuedcredit totaling $35.00 to remove a late fee on the account. Please see the attached letter fromAccount Assure for your records. A refund check for $357.64 was issued May 23, 2015, andyou should receive the refund check within 14 days, under separate cover.You are valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-#### ext[redacted] (TDD/TTY ###-###-####) I would be happy to assist you.[redacted] Consumer Relations Specialist
I call Fed Ex today 05-19-2017, talk with a guy name [redacted]. I was told that since it been over 30 day they will has to deal with Carson, if Carson contact them they will gladly refund the money back to my card- but carson refuse to contact Fed Ex. I am tried of go back in forward. Carson doesn't care about their customer.
Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me, since you closed the accounts I requested. I want to make it very clear that it is my intent to fulfill my obligation to pay those accounts out in full.
Regards, [redacted]
Dear [redacted]:Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Marathon credit card. We are here to answer your questionsand assist with your concerns.We understand that you have received a billing statement for an...
account that is not yours. Youstate you do have an account with Comenity Bank, however the Marathon credit card is not theaccount. I understand that you are requesting the account be removed from you credit bureaureport.Please be assured your concerns have been forwarded to our Account Protection (Fraud) Team,and fraud case number [redacted]. The investigation may take up to 90 days to be completed,and you will be notified by mail of the outcome. If you have any questions regarding the fraudinvestigation, you may reach the Account Protection Team at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues Virgin America Visa@ credit card accounts, andwe respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate this...
opportunity to assist you.Your compliant indicates that you have not received the companion ticket code. You state thatyou have paid the annual fee that is associated with the credit card and have not received anybenefits from having the credit card. You are asking for a refund on the annual fee in theamount of $49.00.Bank records indicate an error occurred with the companion ticket code, we will be sending youyour companion code by next week. Unfortunately, we were unaware of this error andapologize for the inconvenience you have experienced due to this error.In the interest of customer service we have issued a credit in the amount of $49.00 for theannual fee.Should you have any questions or concerns, please feel free to contact me at ###-###-####ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the fullbeauty credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as stated in your...
correspondence. You were charged $19.00 for a club membership fee that you did not authorize. You are requesting to have the fees credited, your account brought to zero, and any negative information on your credit report related to this matter removed. According to fullbeauty records, the charge of $19.00 was for the renewal of the Shopper’s Club membership, which is purchased through the Woman Within catalog department. If you have additional concerns or questions regarding this renewal or wish to cancel future renewals, we ask that you contact Woman Within directly at ###-###-####. In the interest of customer service, we have credited $173.66 for the renewal of the Shopper’s Club membership fee, the late fees, and finance charges, which will bring the account to a zero balance. We have also corrected the payment history to reflect a current account. Please allow the credit agencies 45 days 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, Tionna M[redacted]
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Meijer credit card. We are here to answer your questions and assist with your concerns. We understand your concerns regarding the credit limit and available credit on your account. You are requesting to have the credit limit increased to $2,100.00, as you were led to believe. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please be assured, we have reviewed all applicable phone calls, and any coaching opportunities have been addressed. Our records indicate on May 22, 2017, you requested a credit limit increase through the Bank’s Account Center. A response was sent on May 23, 2017, advising that because the credit limit on the account was recently increased, your account is not eligible for an additional credit increase at this time. We have enclosed a copy of our response for your review. The account is automatically reviewed for credit limit increases. Any changes in the credit limit will be reflected on your monthly billing statement. 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, Jon S[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bankissues Pier 1 Imports® and New York & Company credit card accounts, and werespond to account-related questions. Your complaint was...
forwarded to my attention, and I appreciate theopportunity to respond to your concerns. We understand your concerns regarding the status of your Pier 1 Imports® and NewYork & Company account and that you would like to have the accounts closedand new accounts opened so that you may use your accounts. We apologize for any frustration that thisissue may have caused you. Although Comenity Bank takes every precaution to prevent credit card fraud, fraudulentactivity can still occur. Please be advised that your accounts are being handled by our Account Protection teamand if you have any questions regarding the status of the account pleasecontact your investigator, [redacted], at ###-###-####, ext. [redacted] We hope this information is helpful. Should you have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext[redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, [redacted]Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues the roomplace® credit card accounts, and we respond to 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 on June 27, 2016, for $2,033.97, and you are stating that you exchanged the chair for a chaise lounge and when the chaise lounge arrived it didn’t fit; therefore, you returned it and you also cancelled the rug. You state that you have not been credited for the returned and cancelled items that was purchased using the roomplace® credit card and a personal card. You are requesting that your account be credited for the merchandise and the finance charges that have been assessed due to your account not being credited. We apologize for any inconvenience this matter may have caused you. Please note that Comenity Bank and The Roomplace are two separate entities. The Bank issues and is responsible for addressing questions related to the the roomplace® credit card account. The Roomplace is responsible for handling matters related to sales, cancellations, refunds, merchandise processing, returns, shipping, and transactions made with other credit cards. We have contacted The Roomplace on your behalf regarding your returned and cancelled items. Please be advised that a credit of $229.79 was applied to your account on November 18, 2016. We were also advised that a credit of $59.27 was applied to your personal credit card. For additional information regarding your returns or cancellations, please contact The Roomplace directly at 1-630-783-8000. Our records indicate that your purchase of $2,033.97 was placed on a 24 month deferred interest plan, as this purchase is not subject to any finance charges, no credit will be issued to your account for the previously assessed finance charges. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely,
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were not receiving your billing statements, and you have been receiving collection calls in regards to your account. You state that you have been told that you have been accumulating late fees. You state that you have contacted our customer service department and were told that the late fees would be removed, however; they were never removed, and you closed the account because your credit was completely destroyed. You state that only $90.00 of the fees were removed. Furthermore, you are requesting to have the late fees refunded and to have your credit report fixed. We reviewed your concerns and we want to share our findings with regard to the Victoria’s Secret Angel account. Bank records indicate statements were returned to the Bank as undeliverable up until your billing address was updated on August 4, 2016. On this date we issued credits in the amount of $55.00 for late fees assessed to the account due to this matter. Furthermore, our records indicate the billing statements were delivered to the above noted address since the address updated in August 2106. Additionally, your payment due date is the 27th of every month. The Victoria’s Secret Angel account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information.The account was closed per your request on April 17, 2017. We respectfully decline your request to remove any additional late fees. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted]
[redacted] Compliance Dept. – Consumer Responses
Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues OLD PUEBLO TRADERS® credit cardaccounts, and we are here to assist you with all account-related questions or concerns. Iappreciate the opportunity to respond to your concerns.We understand from your additional complaint that you would like [redacted] Bank’s contactinformation so that you can contact them regarding the refund. You asked why Comenity Bankcannot request the refund.Thank you for speaking with me on November 1, 2016. Please find a summary of ourconversation below.Please be advised that Comenity Bank released the funds to [redacted] Bank on July 27, 2016.We no longer have these funds; as such, your bank would need to contact [redacted] Bank toreceive the refund.I spoke to [redacted] at [redacted] Bank on November 1, 2016, and provided her with referencenumber [redacted], which identifies the specific transmission of funds from [redacted]Bank to [redacted] Bank.Additionally, we received a second confirmation number of [redacted], which identifiesthe specific reference number for the funds that are located at [redacted] Bank.[redacted] advised that she is reaching out to the adjustments area, they are researching the refunddetails, and she will provide you with a telephone call when she has more information.I hope that this information is helpful. Should you have any further questions regarding youraccount, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R**
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts. Comenity Bank issues the J.Crew and Victoria’s Secret Angel credit cards. The Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you have the above-referenced accounts with the Bank and the payment due dates are all on or after the 21st of each month. You indicate you paid the balance in full on July 12, 2017, for both The Limited account and the Victoria’s Secret Angel account. You state the Credit Card Agreement (CCA) says paying the account in full will avoid interest charges; however, you were charged interest the next month on The Limited account but not the Victoria’s Secret Angel account. Your correspondence states you are disputing the amount of $20.95 and want all interest assessed to your accounts in the month of July to be credited. You also ask for all interest on all of your Comenity Bank accounts to be credited going forward. We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matter. In that correspondence we advised that The Limited account was credited on July 26, 2017, for the $20.95 amount in dispute. Please find enclosed a copy of our response dated August 30, 2017. Additionally, the enclosed letter explains the Grace Period on your accounts and when trailing interest finance charges may be assessed. We have also reviewed your Victoria’s Secret Angel account. As a courtesy, we have credited the finance charge of $2.84 that was assessed to the account on August 2, 2017. This has resulted in a credit balance on the account of $2.84. This will be reflected in your next statement. There were no trailing interest finance charges assessed to your J.Crew account. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Alesa C[redacted] Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria's Secret Angel credit card account. We are here toanswer your questions and assist with your concerns.You state you applied for the credit card to receive a discount,...
however, you did not receive thebill on time, so a late fee was added. You called customer care and advised them of the late fee,the representative told you they would remove the late fee. You then received collection calls andthe representative was rude. You have had more fees added to your account and you feel likethe Bank is making you pay for our mistake. You would the Bank fees waived as you were advisedthe fees were being removed.We received your dispute on January 15, 2018, for late fees. Please be assured our disputeresolution team is currently working to resolve your dispute. Please also be aware, disputeinvestigations may take up to ninety days to complete. Upon completion of our investigation, wewill notify you of our findings by mail. We appreciate your patience while we conduct ourinvestigation.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
Dear [redacted]:We received the complaint that you sent to the Revdex.com, regarding the above-noted accounts. Comenity Bank issues LOVELOFT MasterCard® and ANN TAYLOR MasterCard® 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 were upgraded to a MasterCard® account; you always paid on time and used to pay at the store. When your account fell past due it was sent to another company to be collected. You made a payment of $500.00 to a company called Improved Data Services. You are concerned you may have been scammed and you are requesting your money back; a letter stating that the Ann Taylor store was closed and moved out of the Galleria Mall and the other store went bankrupt. Please be advised Comenity Bank and ANN TAYLOR /LOVELOFT are two separate entities. Comenity Bank is responsible for addressing questions related to ANN TAYLOR /LOVELOFT credit card accounts, while ANN TAYLOR /LOVELOFT is responsible for addressing questions related to their stores location and operation.Our records indicate that the LOVELOFT MasterCard® account was opened on October 4, 2008, and the ANN TAYLOR MasterCard® account was opened on April 13, 2010. Use of the accounts, or failure to close the accounts within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. Please be advised that finance charges are assessed to the account each month if the previous statement balance is not paid in full, as indicated in the CCA. Regarding the LOVELOFT MasterCard® account; the last purchase of $20.19 was made on January 10, 2015, and the last payment of $100.00 was received on July 28, 2015. As no further payments were received, on November 2, 2015, the account was permanently closed and written-off, due to non-payment, with a balance of $4,002.12.Regarding the Ann Taylor MasterCard® account; the last purchase of $25.01 was made on September 10, 2011, and the last payment of $61.00 was received on May 27, 2015. As no further payments were received, on January 2, 2016, the account was permanently closed and written-off, due to non-payment, with a balance of $1,187.12.The Bank sold the LOVELOFT MasterCard® account on November 19, 2015, and the ANN TAYLOR MasterCard® account on January 19, 2016, to Southwestern Investor Group. For any additional information about the accounts, you may contact Southwestern Investor Group at ###-###-####.Please be advised that the Bank is unable to refund your payment of $500.00, as it was not paid to Comenity Bank. If you believe the payment was made to an unauthorized party, please review the transaction with your financial institution. We sincerely apologize for any frustration or inconvenience you have experienced as a result of this matter. We hope you find this information 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]
Comenity Capital Bank received the complaint for [redacted]. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 06/30/2017. Please let me know if this extension date is not approved. Thank you,
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding an account. Comenity Bank issues multiple retail credit card accounts. We are here to answer your questions and assist with your concerns. We understand from your complaint that there were charges...
made to an account in 2015 that are not yours. You state that you continue to call and you are informed that the department can only pull up transactions from the last six months and beyond. You state that you are transferred from each department and have been calling for the last six months attempting to resolve this matter; however, no one can help you. You further state that this matter is affecting your credit report and you request a letter confirming the fraud charges. You also request a billing adjustment. I am happy to share my findings. We are unable to locate the account you are referencing regarding this matter. To further research your concerns, we request the following: Comenity Bank Account NumberThe amount and date of the purchases You may also contact our Account Protection team directly regarding this matter at ###-###-####. 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]
[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previouslyissued American Laser Skincare credit accounts, and we are here to help with account-related questions.The complaint, addressed to the Revdex.com, was forwarded to my...
attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint that you never received the paperwork to submit a dispute regardingtreatments you did not receive from American Laser Skincare. You state that as a result, your dispute wasclosed, and the account was turned over to a debt collector. This has negatively impacted your credit, andyou want the dispute resolved.In order for us to process the dispute, and for you to preserve your rights, we require written confirmationregarding the transaction(s) you are disputing. Please complete the form included with this letter.If any information is missing, this form may be returned and no dispute filed. This form must be receivedat the following address within 30 days from the date on this letter, or within 60 days from the date of thestatement on which the disputed charges appear, whichever is later.[redacted] [redacted]
[redacted]
[redacted]If you fail to return the form within the requested timeframe, we will assume that you no longer wish tocontinue the dispute process, and your complaint will be considered voluntarily withdrawn.Additionally, please be advised that we have recalled the account from the collection agency to which itwas sold. This process can take up to 90 days to complete; however, the collection calls should ceasewithin the next week or two. Furthermore, please be aware that Comenity Capital Bank is no longerreporting the account to the credit-reporting agencies.We apologize for any inconvenience this matter may have caused you. Should you have any additionalquestions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
I am rejecting this response because: The matter has not been resolved, as stated in their PDF it may take them 90 days to resolve. As you can see with the attachments I attached above, I clearly paid the balance in FULL by the expiration date. This should really be a cut and dry case and should take no longer than 48 hours.
Regards,[redacted]
Dear Ms. [redacted]We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal Credit. Your correspondence was forwarded to ComenityCapital Bank. The PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, Inc. PayPal Credit is a...
payment option made available bymany merchants to their customers.Your complaint states you believe you entered into a payment plan with PayPal Creditwith the intent that the payment plan would keep your account open. You wereinformed by PayPal Credit your account was closed. You would like your account to bereinstated.On July 27, 2014, your account became past due and on August 8, 2014, PayPal Creditbegan calling you regarding your past due balance. No payments were received onyour account between July 27, 2014, and October 26, 2014. In a phone call on October27, 2014, with PayPal Credit, a representative offered to enroll your account in anAccount Restructuring Program (ARP) to bring your account out of delinquency. Youwere advised late fees and interest would still accrue while you were enrolled in theARP.You agreed to the ARP and the representative helped schedule three payments of$57.00 each, to be paid on November 26, 2014, December 26, 2014, and January 26,2015. The representative notified you that once the three scheduled payments weremade successfully, the terms of the ARP would conclude and your monthly minimumpayment due would be reduced to $35.00.Please note your account was closed on November 3, 2014, as it was 90 days pastdue. Per paragraph 13 of the Terms and Conditions of your account, "[ilf you are indefault, we may suspend or close your Account ...y ou will not be able to make newPurchases or Cash Advances but you still have to pay any remaining balance in full." Acopy of the Terms and Conditions are enclosed for your reference.Even with a closed account you are still expected to make the minimum payments.Enrollment in the ARP does not stop your account from closing if your account becomes90 days past due during enrollment. Additionally, successful completion of ARP doesnot reopen a closed account. On January 26, 2015, you successfully made your thirdpayment in the ARP; therefore, your minimum payment was reduced to $35.00 a month,as reflected on your billing statement dated February 1, 2015.In a June 3, 2015, phone call with PayPal Credit, you were informed your account wasclosed in November 2014 when it fell 90 days past due. You were offered the option torequest to have your account reinstated which you accepted. The same day, yourrequest for reinstatement was declined due to the delinquent history on your account,which you were informed of during a phone call with PayPal Credit on June 5, 2015,and in a letter dated June 9, 2015.At this time, PayPal Credit is unable to honor your request to reinstate your account atthis time. However, if you continue to establish a history of timely payments forapproximately three to six months, you may submit another request for reinstatement.We hope this letter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses`
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues chadwicksTM credit card accounts, and we are hereto assist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We...
understand from your complaint that you became involuntarily unemployed in July of 2014.You then contacted Assure Credit to obtain assistance since you had a loss of income. Youstate you filled out the necessary paper work and submitted it to the credit protection programfor the account. You then had to move and had trouble receiving your mail and had to changeyour address with every creditor because your mail was not forwarded. You were able to findwork in August of 2014 and have since paid your balance in full. You would like the reporting of30 and 60 day delinquencies to be removed from your credit report as Account Assure was notwilling to assist you.Please be assured, as of May 18, 2015, notification has been sent to the national creditreportingagencies with instructions to remove the negative payment information, regarding thechadWicksTM account, from your credit report. Please allow the credit-reporting agencies 45days to update their records.Additionally, the chadwicksTM account has a credit balance of $357.64. Account Assure hasissued credit totaling $322.64, since your claim has been approved, and the Bank has issuedcredit totaling $35.00 to remove a late fee on the account. Please see the attached letter fromAccount Assure for your records. A refund check for $357.64 was issued May 23, 2015, andyou should receive the refund check within 14 days, under separate cover.You are valued customer and we apologize for any inconvenience this matter has caused you.Should you have any further questions or concerns, please contact me at ###-###-#### ext[redacted] (TDD/TTY ###-###-####) I would be happy to assist you.[redacted] Consumer Relations Specialist
I call Fed Ex today 05-19-2017, talk with a guy name [redacted]. I was told that since it been over 30 day they will has to deal with Carson, if Carson contact them they will gladly refund the money back to my card- but carson refuse to contact Fed Ex. I am tried of go back in forward. Carson doesn't care about their customer.
Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]