This does not address my original complaint. The bill was created and charged under misleading and false pretenses. I have heard from Westgate Resorts, and also have a Revdex.com complaint in the Central Florida region. Westgate has agreed with us and agreed to cancel the membership and issue a credit for $6,500, as of 7/27/16. The credit is to be sent to Comenity Bank within 7-10 business days from 7/27/16.This complaint should be left open until the credit is received and we receive a statement from ty Bank Westgate MasterCard showing the $6,500 credit and all interest and penalty is reversed.
Thank you. [redacted]
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Samuels credit card account. We are here to answer your questions and assist with your concerns. I understand from your...
correspondence that you were told that you could pay the past due amount from February 2017; at the end of the month in order to bring your accounts current, and process a request for a change of due date. When you called in the next day to confirm the arrangement, the supervisor you spoke with did not see this arrangement on your account. You are requesting that the arrangement be kept, and the recent late fees be removed from your account as well as your husband [redacted]’ account, and your due date be moved to the last day of the month or the beginning of the new month. I have reviewed the issues in your complaint as well as the applicable telephone conversation on February 13, 2017, when the new payment arrangement was agreed upon. I do apologize for any frustration or inconvenience this may have caused you. When you spoke with the Bank representative on February 13, 2017; the representative agreed that she would remove the payment due for February 19, 2017; in order for you to make the payment end of the month, beginning of March, in order to cover your March 19, 2017 payment due date. This arrangement was agreed upon in order to bring your account current and keep you a month ahead on your payments as your account was not eligible to have the due date changed. When the Bank representative made the changes to your accounts it appears the details of the arrangement were only captured on your husbands account. This is the reason when you called to confirm the payment arrangement, the supervisor did not see the notes on your account Please be assured we issued credits totaling $106.68 on March 14, 2017. Additionally, I have updated your accounts to remove the delinquency for February 2017; and notification has been sent to the national credit reporting agencies. Please allow 45 calendar days for the update to be made. 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, Kristina W[redacted]
July 6th 2016Order before Christmas 205 no resolveYou asked all correspondence to be sent to you.Thank you.[redacted]I've been away w/ familyContinue disputeSimply Be is connected to ComenityOver 7 mo no progress
Dear Mr. [redacted]: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to help...
with all account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you are questioning the interest charge of $564.24 that was assessed to your account and you have not been able to determine what the charge is for, or how it was calculated. You feel that this charge is fraudulent and that there was no warning for this transaction, and you would like to know where the interest charge came from, what are the future monthly payments, and to know if the charge is yours. We would like to apologize for any inconvenience this matter may have caused you. Please be advised that on January 21, 2016, ZALES THE DIAMOND STORE® credit card accounts were converted to Comenity Capital Bank from Citibank. We have reviewed the information that was transferred from Citibank concerning your account. Your purchase of $2,029.14 was charged to your account on April 3, 2015, and was placed on a 12 month deferred interest, payment required plan scheduled to expire on April 9, 2016. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. On April 9, 2016, as the balance was not paid in full within the 12 months, interest charges dated from the original transaction date totaling $564.24 were assessed to the account. The interest charge that was assessed to your account is valid. We have enclosed a copy of the sales receipt for your records. Please be aware that information regarding your promotional purchase was provided on each of your monthly billing statements. This information included the original purchase amount and date, previous balance, payments and credits, new balance, deferred interest charges, and the expiration date of the promotional plan. Citibank listed this information on your statements under the heading of “Activity and Promotions Detail”. Please note that Comenity Capital Bank provides details of any promotional plan on each monthly billing statement under the heading of “Details of your plans”. Additionally, each statement provides you with a calculation of interest charges. Our records indicate that your account was enrolled in our Hardship Program on April 18, 2016. Information concerning the program and the minimum payment requirement for your account was sent on April 19, 2016. If you have any questions regarding the Hardship Program, and the payments that are required, please contact ###-###-#### for assistance. We hope that you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
you have not taken into consideration the statements made to me by Ideal Image when the account was opened. This business runs in a fashion to deceive its customers.
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Coldwater Creek MasterCard®. We are here to answer your questions and assist with your concerns. We understand from your...
complaint the account ending in [redacted] was used fraudulently by a family member. You state you receive continued calls requesting payment; however, you received statements and emails indicating the balance was zero. You state the phone calls have been threatening in nature and when you speak with the Bank, you are advised that you have a zero balance. You state your credit report has been impacted due to this matter. We apologize for any frustration this matter has caused you. I am happy to share my findings. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met. Bank records indicate that when the Account Protection (Fraud), team was investigating your fraud claim, a separate account was opened (account ending in [redacted]), to transfer the fraud charges to. However, when you were held responsible for the balance there were some remaining fraud charges left on the account ending in [redacted]. This caused you to receive phone calls from our Collections and Recovery departments. Please be assured we have rectified this matter and you should no longer receive phone calls. Please be advised the account ending in [redacted] reflects a zero balance. Please be assured the account ending in [redacted] is not being reported to the credit reporting agencies. We have verified we are reporting the account ending in [redacted] correctly. We are required by law to report factual information. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted]
I did report this card stolen the day I lost it. I sent them more fraud paperwork as requested. They have not contacted me saying the account would be reopened and the fraud would be taken off my account and put in good standing on my credit reports.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Wayfair Card. We are here to answer your questions andassist with your concerns.We understand the concerns as explained in your correspondence. You ordered an area rugonline, but...
found a different rug and attempted to cancel the first rug; however, you were unableto cancel online. You contacted Wayfair and were told they were having a system error, but youwould not be penalized for the return. You are requesting to have the derogatory remarks removedfrom your credit report, and the shipping fees and late charges credited.On behalf of the Bank, I would like to extend a sincere apology that this matter was not resolvedwhen you contacted the Bank directly by phone. We apologize if you felt you did not receive thebest customer service. We never intend to treat our customers in a less-than-satisfactory manner.We are committed to providing the best customer service and are disappointed when a customerfeels this standard was not met. Please be assured we have taken steps to coach our associatein providing a more positive experience to our customers.Our records indicate that the statements and Welcome Kit, consisting of the credit card and CreditCard Agreement (CCA), were mailed to the address listed above. Bank records show that theseitems were not returned to us as undeliverable by the post office.Please understand that when there is a balance on an account, and the full minimum paymentrequired on the monthly billing statement(s) is not received by the due date, late fees and financecharges will be assessed to the account, pursuant to the guidelines of the CCA.A review of our records indicates the following transactions were applied to your account: apurchase of $100.19 on December 3, 2016, a purchase of $43.99 on December 4, 2016, and areturned merchandise credit of $82.99 on December 22, 2016.The account billed on December 25, 2016, with a balance of $61.27, and a minimum payment of$25.00, due by January 20, 2017. As no payment was received by the January or February duedates; late fees and finance charges were applied to the account. On February 27, 2017, a $35.00payment was applied to the account.We contacted the corporate office, on your behalf, and they provided the sales receipts for bothorders. According to Wayfair: The order ([redacted]1) was placed on December 3, 2016; onDecember 6, 2016, they emailed you a shipping notification with the tracking information. OnDecember 22, 2016, they received your request to cancel the order.Please keep in mind, when ordering merchandise by mail, your credit card account is charged forthe cost of the merchandise, applicable sales tax and shipping and handling fees. When themerchandise is returned, your account is credited for the merchandise, sales tax and if applicable,Smart Label costs. Wayfair does not refund shipping and handling fees. These charges willremain part of your balance due.Please be advised Comenity Bank and Wayfair are two separate entities. Comenity Bank isresponsible for addressing questions related to Wayfair Card accounts, while Wayfair isresponsible for handling matters related to sales, merchandise processing, returns, shipping, andmerchandise quality.If you have further questions regarding the merchandise and shipping and handling fees, pleasecontact Wayfair directly at ###-###-####.For your review, we have enclosed copies of the monthly billing statements and copies of thesales receipts.Comenity Bank has not found any errors with the account; however, in the interest of customerservice, we have issued credits totaling $41.89 for the remaining late fees, and part of the financecharges, that were previously assessed to the account.Notification was sent to the credit reporting-agencies to remove the negative payment informationregarding the Wayfair Card account. This update should appear on your credit file within the next45 calendar days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand your concerns regarding the interest charge that posted to your account for your expired promotional plan. You state when your Pottery Barn account was opened you did not receive a credit card or disclosures and you would like all of the previously assessed finance charges removed and your account closed. We would like to apologize for any inconvenience this issue may have caused you. The Pottery Barn account was opened on December 7, 2014. Bank records indicate that on December 8, 2014, the welcome kit, which includes the credit card, Credit Card Agreement, and disclosures, was mailed to [redacted]. We have no record of the welcome kit being returned as undeliverable, or any notification from you indicating that the welcome kit was not received. Our records indicate that a purchase of $3,051.96 was charged to the account on December 9, 2014. The purchase was placed on a 12-month deferred interest, payment required promotional plan, scheduled to end on December 10, 2015. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges, dating back to the original date of purchase, would be assessed to the account. On December 10, 2015, as the remaining promotional balance of $1,377.10 was not paid in full, finance charges totaling $623.07 were assessed to the account. Bank records further indicate that on January 16, 2016, an adjustment for $200.00 was issued to your account as a courtesy to credit a portion of the previously assessed finance charges. Please be advised, as the Bank as found no Banking errors, we are unwilling to make any additional adjustments for the previously assessed interest charges. For your records we are enclosing a copy of the Credit Card Agreement and copies of your billing statements. Please be advised your account was closed per your request on January 13, 2015. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Dear [redacted]: We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit cards, and we respond to all account-related questions. Your complaint was forwarded to my attention, and...
I appreciate the opportunity to assist you. We understand from your letter that the above-noted account was opened without your knowledge or consent. As a result of non-payment, the account was written off on May 6, 2014, and sold to an alternate lender, [redacted] on May 21, 2014. Please be assured that we forwarded your concerns to our Account Protection (Fraud) team. They have opened a fraud case; case number [redacted] and assigned fraud investigator, Jessica Mullins to the case. Additionally, please be assured that [redacted] will be notified of the investigation. Comenity Bank vigorously pursues any individual who is suspected of perpetration of a fraud. This may include contact with various local, state and federal law enforcement agencies. We assure you that we will do everything to resolve this situation with as little inconvenience to you as possible. Please feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####) and reference the case number above for any questions or concerns you may have. We hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection team at the number provided above. The investigator will be happy to assist you. Sincerely, Shawnda Y[redacted]
Dear [redacted]: Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate...
the opportunity to assist you. Your complaint states that you entered into a settlement agreement with Comenity Bank several years ago to pay off your account balance. You indicate that you upheld the agreement and completed all the required payments in two lump sums; however, the Bank is still reporting the account as delinquent versus a settlement. You would like the Bank to correct their records and your credit report corrected. Bank records indicate that your Victoria’s Secret account wrote off on November 6, 2013, with a balance of $1,310.51. The account was permanently closed and reported as a charge-off to the credit-reporting agencies. In November 2013, you entered into an agreement with the Bank to make nine months of payments ranging from $73.00 to $78.00, which would have paid the balance in full. The last payment, in the amount of $73.00, was received on January 31, 2014. You contacted the Bank in February 2014 and requested that the remaining payments scheduled be deleted as you were unemployed. You were to call back once you had received your tax money. Unfortunately, we have no record that you made further payment arrangements. As the payment schedule was not completed and the account balance was not settled, Comenity Bank is unwilling to update your account to reflect a settlement, or request changes be made to your credit report. We encourage you to contact RPM LLC at ###-###-#### to discuss paying the remaining balance of $876.00. We hope this information is helpful. If you any further questions or concerns, please contact RPM LLC at the number provided. They are happy to assist you. Sincerely, Shawnda Y[redacted] Consumer Relations Specialist
Dear Mr. [redacted]We received your complaint, submitted to the Revdex.com. Comenity Bank issuesVICTORIA'S SECRET credit cards, and we are here to help answer account-related questions.Your complaint was forwarded to my attention and I appreciate the opportunity to address theconcerns.We...
understand the concerns explained in your complaint. However, as Comenity Bank is notauthorized by the accountholder to release information to you, we have mailed the responsedirectly to Mrs. [redacted].I apologize for any confusion or inconvenience this may have caused you. If you have anyfurther questions or concerns, please have Mrs. [redacted] contact me directly to provideauthorization to speak to you at ###-###-#### ( TDD/TTY ###-###-####). Iwill be happy to assist you with this authorization.Sincerely,Shawnda Y[redacted]
I am rejecting this response because: I paid it immediately when I saw what had happened. This was not explained to me. I was just a few days beyond your dead line and had to borrow to pay you. I have no job. I want the slate clean and inform aspen to explain this detail when finalizing, as it was not explained to me. My husband who is disabled was in there and they did not! Tell us this. It was a year n a half later and I did not know this.
Regards,
Dear Ms. [redacted]:Thank you for contacting the Revdex.com regarding the above-referencedaccount. As the bank that issues Woman Within® credit cards, we are here to help with youraccount-related questions. Your inquiry was forwarded to my attention, and I appreciate theopportunity to respond...
to your concerns.We understand from your complaint that you were billed from Woman Within, when you did notmake any purchases. You have been unable to reach the Bank due to the automated system notrouting your call to a representative. You are requesting a billing adjustment and confirmationthis has not affected your credit. You are also requesting a refund for the payments you havemade for purchases you were wrongfully charged for.Comenity Bank and [redacted] are separate entities. As the Bank that issues Woman Within®credit card accounts, Comenity Bank would resolve matters that pertain to the billing of your creditcard account and [redacted] would resolve matters that pertain to their merchandise andshipping charges.Our records indicate that on October 20, 2015, a charge of $5.99 posted to your account. Thischarge was for a shipping and handling fee on your introductory purchase into [redacted] Jewelry.Please note, as part of the [redacted] program, new items are sent monthly, at the full price of$35.98, unless a verbal or written request is made to cancel the next item before it ships.Please keep in mind, when ordering merchandise through [redacted] Jewelry, your Woman Within®credit card account is charged for the cost of the merchandise and shipping and handling. Whenthe merchandise is returned, [redacted] will only credit your account for the cost of themerchandise.Please be assured that enrollment in the [redacted] program has been canceled, and [redacted] has issued credits totaling $71.96 to your account. The Bank has issued credits toremove the previously assessed Bank fees.These credits resulted in a credit balance of $95.94 on your Woman Within® account, which isequal to the amount of payments you have submitted for the [redacted] charges. Because theWoman Within® account has a credit balance, we have issued a refund check of $95.94. Pleaseallow 14 business days to receive your refund check by separate mailing. Comenity BankPO Box 182025Columbus, Ohio 43218-2025Please be assured, notification has been sent to the national credit-reporting agencies to removethe negative payment information, regarding the Woman Within® account. Please allow 45 daysfor this information to update in their records.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your account, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that the Bank has been reporting late payment...
information to Experian and Transunion. You state you contacted the Bank previously and you received a response stating the request to remove the late payment information was only updated on Equifax. You are requesting the Bank remove the late payment with all of the credit-reporting agencies. We apologize for the inconvenience you have experienced regarding this matter. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the previous late payment notification regarding the EXPRESS NEXT account. Please allow the credit-reporting 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 (800) 820-8932. Sincerely, Ashley H[redacted] Compliance Dept. – Consumer Responses CC: Revdex.com
Dear [redacted]We received your correspondence, addressed to the Revdex.com, regarding theabove-referenced account. Comenity Bank issues Coldwater Creek MastercardB accounts,and we respond to all account-related inquiries. Your inquiry was forwarded to my attention andI appreciate...
this opportunity to assist you.Your complaint indicates that you would like the Bank's website to offer monthly automaticwithdrawals from your checking account to pay your Coldwater Creek MastercardB account.Due to this option not being available, you state that you have incurred two late payment fees;the first of which was removed. You would like the Bank to refund the additional late feeincurred of $35.00. We apologize for any inconvenience or frustration you may haveexperienced because of this matter.At this time the Bank does not provide an option for automatic payments on your ColdwaterCreek Mastercard@ account. The Bank understands your desire for this option, and hopes thatthis service may be available to you in the near future.Please keep in mind when payments are not received, are received after 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.Although no Bank errors were found, in the interest of customer service, I have removed the$35.00 late fee assessed to the account on April 18, 2015.We hope this information is helpful. Should you have any additional questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
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. ...
You state you ordered merchandise online. Although the items showed in stock at the time you made your order, and you received emails stating the items were stock, when you received your order you were notified that the items were discontinued. You state you lost your job in January of 2017, and you missed a few payments. When you alerted the Bank, you were refunded $15.00 of $70.00 in late fees. You further state you were being charged for [redacted], and they could not do anything for you. Additionally, even though you made a payment on your due date of April 11, 2017, you were charged another late fee. When you called the Bank to inquire about this matter, the representative stated she could see that you paid, but there was nothing that could be done. You are requesting to have all of the late fees removed from the account, your credit report corrected, and [redacted] cancelled. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Bank and Victoria’s Secret are two separate entities. Comenity Bank is responsible for addressing questions related to Victoria’s Secret Angel credit card accounts, while Victoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. For questions regarding merchandise ordered, please contact Victoria’s Secret Catalog Customer Service at ###-###-####. [redacted] is offered by a third party vendor, [redacted] is an optional debt cancellation program that can cancel your balance if you become involuntarily unemployed, hospitalized, disabled or should you pass away. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. The account was enrolled in [redacted] on January 17, 2012, via phone, when you called to activate your credit card. On May 22, 2017, you spoke with a representative of the Bank and requested to have [redacted] cancelled, and you stated that you did not recall enrolling in the program. As a result, the [redacted] program was cancelled, at your request, and a courtesy of $9.06 for one [redacted] fee was given. We contacted [redacted], on your behalf, and they confirmed that no claim had been received. If your date of loss was during the time you were enrolled in [redacted], you may still be eligible to file a claim. Please contact [redacted] directly at ###-###-#### if you have any questions or would like to file a claim. 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card Agreement. On March 15, 2017, you spoke with a representative of the Bank. During the conversation, the representative issued a $15.00 late fee credit to the account, as a courtesy. On April 11, 2017, a phone payment of $25.00 was made, using the Bank’s automated system. The phone payment you made on April 11, 2017, for $25.00 was submitted at 9:48 p.m. Eastern Time (ET) which was after the cutoff timeframe of 8:00 p.m. ET for same-day processing; therefore, the payment was not posted to your account until the following day. Please be advised that our payment cut off timeframes are disclosed on your monthly billing statement under a section called "Payments". All fees are valid and they were assessed in accordance to your Credit Card Agreement. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. Eastern Time (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date). Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter On April 24, 2017, you spoke with a representative of the Bank and asked why the late fee was charged to the account. The representative advised that because the phone payment on April 11, 2017, was received after the cut off time of 8:00 p.m. ET a late fee was assessed to the account. You stated you were not aware of the cutoff timeframe, and that you were going to close your account. However, the call ended before the representative was able to close your account. Although we find the late fees to be valid, on May 24, 2017, the Bank issued an additional late fee credit of $25.00, as a courtesy. Please be assured, no negative payment information has been reported to the credit-reporting agencies, as a result of this matter. Your Victoria’s Secret Angel credit card account is open, and is in good standing. If it is your intention to have your Victoria’s Secret Angel credit card account closed, please contact our Customer Care team 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] Compliance Dept. – Consumer Responses
In my initial request/response I advised that Comenity Bank had violated the Fair Debt Collection Practices Act (FDCPA) by being harassing in their attempts to contact and after I have spoken with them once I continue to receive additional calls in which there was several days that I had spoken to 3 different people in one day because they continue to call. I was disputing balances owed, what I am requesting because of the banks practice in their collection effort they have violated laws on multiple occasions. I am trying to resolve this issue in the least expensive manor for the bank but if I take this further and to an attorney, Comenity Bank will have to pay per violation, and from my records it is 6. Just by closing the account is not resolving the issue and it is actually making it worse, because you closed it with a balance due which will affect my credit substantially. Again I am requesting to close it with a balance due in good standing or credit the balance or I will go further with my documentation and proof of the numerous calls received and the calls in which I had spoken with several reps who repeatedly called me after I had spoken with some once and did not request a call back. Also I am quite aware that you can pull all call records that was made to my contact #'s and see for yourself that violations your reps have made.
Regards* [redacted]
This does not address my original complaint. The bill was created and charged under misleading and false pretenses. I have heard from Westgate Resorts, and also have a Revdex.com complaint in the Central Florida region. Westgate has agreed with us and agreed to cancel the membership and issue a credit for $6,500, as of 7/27/16. The credit is to be sent to Comenity Bank within 7-10 business days from 7/27/16.This complaint should be left open until the credit is received and we receive a statement from ty Bank Westgate MasterCard showing the $6,500 credit and all interest and penalty is reversed.
Thank you. [redacted]
Dear [redacted] Comenity Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Bank issues the Samuels credit card account. We are here to answer your questions and assist with your concerns. I understand from your...
correspondence that you were told that you could pay the past due amount from February 2017; at the end of the month in order to bring your accounts current, and process a request for a change of due date. When you called in the next day to confirm the arrangement, the supervisor you spoke with did not see this arrangement on your account. You are requesting that the arrangement be kept, and the recent late fees be removed from your account as well as your husband [redacted]’ account, and your due date be moved to the last day of the month or the beginning of the new month. I have reviewed the issues in your complaint as well as the applicable telephone conversation on February 13, 2017, when the new payment arrangement was agreed upon. I do apologize for any frustration or inconvenience this may have caused you. When you spoke with the Bank representative on February 13, 2017; the representative agreed that she would remove the payment due for February 19, 2017; in order for you to make the payment end of the month, beginning of March, in order to cover your March 19, 2017 payment due date. This arrangement was agreed upon in order to bring your account current and keep you a month ahead on your payments as your account was not eligible to have the due date changed. When the Bank representative made the changes to your accounts it appears the details of the arrangement were only captured on your husbands account. This is the reason when you called to confirm the payment arrangement, the supervisor did not see the notes on your account Please be assured we issued credits totaling $106.68 on March 14, 2017. Additionally, I have updated your accounts to remove the delinquency for February 2017; and notification has been sent to the national credit reporting agencies. Please allow 45 calendar days for the update to be made. 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, Kristina W[redacted]
July 6th 2016Order before Christmas 205 no resolveYou asked all correspondence to be sent to you.Thank you.[redacted]I've been away w/ familyContinue disputeSimply Be is connected to ComenityOver 7 mo no progress
Dear Mr. [redacted]: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to help...
with all account-related questions. Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you are questioning the interest charge of $564.24 that was assessed to your account and you have not been able to determine what the charge is for, or how it was calculated. You feel that this charge is fraudulent and that there was no warning for this transaction, and you would like to know where the interest charge came from, what are the future monthly payments, and to know if the charge is yours. We would like to apologize for any inconvenience this matter may have caused you. Please be advised that on January 21, 2016, ZALES THE DIAMOND STORE® credit card accounts were converted to Comenity Capital Bank from Citibank. We have reviewed the information that was transferred from Citibank concerning your account. Your purchase of $2,029.14 was charged to your account on April 3, 2015, and was placed on a 12 month deferred interest, payment required plan scheduled to expire on April 9, 2016. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. On April 9, 2016, as the balance was not paid in full within the 12 months, interest charges dated from the original transaction date totaling $564.24 were assessed to the account. The interest charge that was assessed to your account is valid. We have enclosed a copy of the sales receipt for your records. Please be aware that information regarding your promotional purchase was provided on each of your monthly billing statements. This information included the original purchase amount and date, previous balance, payments and credits, new balance, deferred interest charges, and the expiration date of the promotional plan. Citibank listed this information on your statements under the heading of “Activity and Promotions Detail”. Please note that Comenity Capital Bank provides details of any promotional plan on each monthly billing statement under the heading of “Details of your plans”. Additionally, each statement provides you with a calculation of interest charges. Our records indicate that your account was enrolled in our Hardship Program on April 18, 2016. Information concerning the program and the minimum payment requirement for your account was sent on April 19, 2016. If you have any questions regarding the Hardship Program, and the payments that are required, please contact ###-###-#### for assistance. We hope that you find this information helpful. Should you have any other questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
you have not taken into consideration the statements made to me by Ideal Image when the account was opened. This business runs in a fashion to deceive its customers.
Regards, [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Coldwater Creek MasterCard®. We are here to answer your questions and assist with your concerns. We understand from your...
complaint the account ending in [redacted] was used fraudulently by a family member. You state you receive continued calls requesting payment; however, you received statements and emails indicating the balance was zero. You state the phone calls have been threatening in nature and when you speak with the Bank, you are advised that you have a zero balance. You state your credit report has been impacted due to this matter. We apologize for any frustration this matter has caused you. I am happy to share my findings. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met. Bank records indicate that when the Account Protection (Fraud), team was investigating your fraud claim, a separate account was opened (account ending in [redacted]), to transfer the fraud charges to. However, when you were held responsible for the balance there were some remaining fraud charges left on the account ending in [redacted]. This caused you to receive phone calls from our Collections and Recovery departments. Please be assured we have rectified this matter and you should no longer receive phone calls. Please be advised the account ending in [redacted] reflects a zero balance. Please be assured the account ending in [redacted] is not being reported to the credit reporting agencies. We have verified we are reporting the account ending in [redacted] correctly. We are required by law to report factual information. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted]
I did report this card stolen the day I lost it. I sent them more fraud paperwork as requested. They have not contacted me saying the account would be reopened and the fraud would be taken off my account and put in good standing on my credit reports.
Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Wayfair Card. We are here to answer your questions andassist with your concerns.We understand the concerns as explained in your correspondence. You ordered an area rugonline, but...
found a different rug and attempted to cancel the first rug; however, you were unableto cancel online. You contacted Wayfair and were told they were having a system error, but youwould not be penalized for the return. You are requesting to have the derogatory remarks removedfrom your credit report, and the shipping fees and late charges credited.On behalf of the Bank, I would like to extend a sincere apology that this matter was not resolvedwhen you contacted the Bank directly by phone. We apologize if you felt you did not receive thebest customer service. We never intend to treat our customers in a less-than-satisfactory manner.We are committed to providing the best customer service and are disappointed when a customerfeels this standard was not met. Please be assured we have taken steps to coach our associatein providing a more positive experience to our customers.Our records indicate that the statements and Welcome Kit, consisting of the credit card and CreditCard Agreement (CCA), were mailed to the address listed above. Bank records show that theseitems were not returned to us as undeliverable by the post office.Please understand that when there is a balance on an account, and the full minimum paymentrequired on the monthly billing statement(s) is not received by the due date, late fees and financecharges will be assessed to the account, pursuant to the guidelines of the CCA.A review of our records indicates the following transactions were applied to your account: apurchase of $100.19 on December 3, 2016, a purchase of $43.99 on December 4, 2016, and areturned merchandise credit of $82.99 on December 22, 2016.The account billed on December 25, 2016, with a balance of $61.27, and a minimum payment of$25.00, due by January 20, 2017. As no payment was received by the January or February duedates; late fees and finance charges were applied to the account. On February 27, 2017, a $35.00payment was applied to the account.We contacted the corporate office, on your behalf, and they provided the sales receipts for bothorders. According to Wayfair: The order ([redacted]1) was placed on December 3, 2016; onDecember 6, 2016, they emailed you a shipping notification with the tracking information. OnDecember 22, 2016, they received your request to cancel the order.Please keep in mind, when ordering merchandise by mail, your credit card account is charged forthe cost of the merchandise, applicable sales tax and shipping and handling fees. When themerchandise is returned, your account is credited for the merchandise, sales tax and if applicable,Smart Label costs. Wayfair does not refund shipping and handling fees. These charges willremain part of your balance due.Please be advised Comenity Bank and Wayfair are two separate entities. Comenity Bank isresponsible for addressing questions related to Wayfair Card accounts, while Wayfair isresponsible for handling matters related to sales, merchandise processing, returns, shipping, andmerchandise quality.If you have further questions regarding the merchandise and shipping and handling fees, pleasecontact Wayfair directly at ###-###-####.For your review, we have enclosed copies of the monthly billing statements and copies of thesales receipts.Comenity Bank has not found any errors with the account; however, in the interest of customerservice, we have issued credits totaling $41.89 for the remaining late fees, and part of the financecharges, that were previously assessed to the account.Notification was sent to the credit reporting-agencies to remove the negative payment informationregarding the Wayfair Card account. This update should appear on your credit file within the next45 calendar days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,
Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand your concerns regarding the interest charge that posted to your account for your expired promotional plan. You state when your Pottery Barn account was opened you did not receive a credit card or disclosures and you would like all of the previously assessed finance charges removed and your account closed. We would like to apologize for any inconvenience this issue may have caused you. The Pottery Barn account was opened on December 7, 2014. Bank records indicate that on December 8, 2014, the welcome kit, which includes the credit card, Credit Card Agreement, and disclosures, was mailed to [redacted]. We have no record of the welcome kit being returned as undeliverable, or any notification from you indicating that the welcome kit was not received. Our records indicate that a purchase of $3,051.96 was charged to the account on December 9, 2014. The purchase was placed on a 12-month deferred interest, payment required promotional plan, scheduled to end on December 10, 2015. As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements in the “details of your plans” section, that should the balance not be paid in full, accrued finance charges, dating back to the original date of purchase, would be assessed to the account. On December 10, 2015, as the remaining promotional balance of $1,377.10 was not paid in full, finance charges totaling $623.07 were assessed to the account. Bank records further indicate that on January 16, 2016, an adjustment for $200.00 was issued to your account as a courtesy to credit a portion of the previously assessed finance charges. Please be advised, as the Bank as found no Banking errors, we are unwilling to make any additional adjustments for the previously assessed interest charges. For your records we are enclosing a copy of the Credit Card Agreement and copies of your billing statements. Please be advised your account was closed per your request on January 13, 2015. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Dear [redacted],Comenity Bank issuesandservicesyour [redacted] credit card account(s)andwerespondtoallaccountrelated matters.Wereceivedyourdisputeforcharge(s)billedto [redacted] credit card account.Please beassuredthatwewillworkdiligentlytoresolveyourdispute.However,disputeresolutions...⇄ />
tobillingerrorsmaytakeupninety(90)dayscomplete.If wereceivedyourdisputelaterthantwobillingcyclesfollowingthedateofpurchaseanditisr...⇄ yourdissatisfactionwithgoodsand/orservicespurchasedcreditcardaccountitmaytakeadd...⇄ timetoinvestigate.While wecompleteourinvestigation:5 We willnotattempttocollectforthecharge(s)inquestionorreportthisinformationasbeingde...⇄ thecreditreportingagencies.5 A provisionalcreditmaybeissuedtoyouraccountforthecharge(s)inquestion.5 You donothavetopaythedisputedcharge(s)atthistime,however,ifapplicable,youarestillres...⇄ formakingpaymentsontheremainingbalance(s),asindicatedyourbillingstatement(s).5 Upon completionofourinvestigation,wewillcommunicatedecisionbymail.We appreciateyourpatiencewhileweareconductingourinvestigation.Dispute Date Transaction Transaction DescriptionSincerely,Customer Careteam
Hi, I checked this month statement and it did not show the amount that was going to be taken away. I'll check next month. Thank you!
Dear [redacted]: We received your complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit cards, and we respond to all account-related questions. Your complaint was forwarded to my attention, and...
I appreciate the opportunity to assist you. We understand from your letter that the above-noted account was opened without your knowledge or consent. As a result of non-payment, the account was written off on May 6, 2014, and sold to an alternate lender, [redacted] on May 21, 2014. Please be assured that we forwarded your concerns to our Account Protection (Fraud) team. They have opened a fraud case; case number [redacted] and assigned fraud investigator, Jessica Mullins to the case. Additionally, please be assured that [redacted] will be notified of the investigation. Comenity Bank vigorously pursues any individual who is suspected of perpetration of a fraud. This may include contact with various local, state and federal law enforcement agencies. We assure you that we will do everything to resolve this situation with as little inconvenience to you as possible. Please feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####) and reference the case number above for any questions or concerns you may have. We hope this information is helpful. Should you have any further questions or concerns, please contact the Account Protection team at the number provided above. The investigator will be happy to assist you. Sincerely, Shawnda Y[redacted]
Dear [redacted]: Thank you for contacting Comenity Bank. As the bank that issues Victoria’s Secret credit card accounts, we are here to answer account-related questions. Your complaint, submitted to the Revdex.com, was forwarded to my attention for review. I appreciate...
the opportunity to assist you. Your complaint states that you entered into a settlement agreement with Comenity Bank several years ago to pay off your account balance. You indicate that you upheld the agreement and completed all the required payments in two lump sums; however, the Bank is still reporting the account as delinquent versus a settlement. You would like the Bank to correct their records and your credit report corrected. Bank records indicate that your Victoria’s Secret account wrote off on November 6, 2013, with a balance of $1,310.51. The account was permanently closed and reported as a charge-off to the credit-reporting agencies. In November 2013, you entered into an agreement with the Bank to make nine months of payments ranging from $73.00 to $78.00, which would have paid the balance in full. The last payment, in the amount of $73.00, was received on January 31, 2014. You contacted the Bank in February 2014 and requested that the remaining payments scheduled be deleted as you were unemployed. You were to call back once you had received your tax money. Unfortunately, we have no record that you made further payment arrangements. As the payment schedule was not completed and the account balance was not settled, Comenity Bank is unwilling to update your account to reflect a settlement, or request changes be made to your credit report. We encourage you to contact RPM LLC at ###-###-#### to discuss paying the remaining balance of $876.00. We hope this information is helpful. If you any further questions or concerns, please contact RPM LLC at the number provided. They are happy to assist you. Sincerely, Shawnda Y[redacted] Consumer Relations Specialist
Dear Mr. [redacted]We received your complaint, submitted to the Revdex.com. Comenity Bank issuesVICTORIA'S SECRET credit cards, and we are here to help answer account-related questions.Your complaint was forwarded to my attention and I appreciate the opportunity to address theconcerns.We...
understand the concerns explained in your complaint. However, as Comenity Bank is notauthorized by the accountholder to release information to you, we have mailed the responsedirectly to Mrs. [redacted].I apologize for any confusion or inconvenience this may have caused you. If you have anyfurther questions or concerns, please have Mrs. [redacted] contact me directly to provideauthorization to speak to you at ###-###-#### ( TDD/TTY ###-###-####). Iwill be happy to assist you with this authorization.Sincerely,Shawnda Y[redacted]
I am rejecting this response because: I paid it immediately when I saw what had happened. This was not explained to me. I was just a few days beyond your dead line and had to borrow to pay you. I have no job. I want the slate clean and inform aspen to explain this detail when finalizing, as it was not explained to me. My husband who is disabled was in there and they did not! Tell us this. It was a year n a half later and I did not know this.
Regards,
[redacted]
Dear Ms. [redacted]:Thank you for contacting the Revdex.com regarding the above-referencedaccount. As the bank that issues Woman Within® credit cards, we are here to help with youraccount-related questions. Your inquiry was forwarded to my attention, and I appreciate theopportunity to respond...
to your concerns.We understand from your complaint that you were billed from Woman Within, when you did notmake any purchases. You have been unable to reach the Bank due to the automated system notrouting your call to a representative. You are requesting a billing adjustment and confirmationthis has not affected your credit. You are also requesting a refund for the payments you havemade for purchases you were wrongfully charged for.Comenity Bank and [redacted] are separate entities. As the Bank that issues Woman Within®credit card accounts, Comenity Bank would resolve matters that pertain to the billing of your creditcard account and [redacted] would resolve matters that pertain to their merchandise andshipping charges.Our records indicate that on October 20, 2015, a charge of $5.99 posted to your account. Thischarge was for a shipping and handling fee on your introductory purchase into [redacted] Jewelry.Please note, as part of the [redacted] program, new items are sent monthly, at the full price of$35.98, unless a verbal or written request is made to cancel the next item before it ships.Please keep in mind, when ordering merchandise through [redacted] Jewelry, your Woman Within®credit card account is charged for the cost of the merchandise and shipping and handling. Whenthe merchandise is returned, [redacted] will only credit your account for the cost of themerchandise.Please be assured that enrollment in the [redacted] program has been canceled, and [redacted] has issued credits totaling $71.96 to your account. The Bank has issued credits toremove the previously assessed Bank fees.These credits resulted in a credit balance of $95.94 on your Woman Within® account, which isequal to the amount of payments you have submitted for the [redacted] charges. Because theWoman Within® account has a credit balance, we have issued a refund check of $95.94. Pleaseallow 14 business days to receive your refund check by separate mailing. Comenity BankPO Box 182025Columbus, Ohio 43218-2025Please be assured, notification has been sent to the national credit-reporting agencies to removethe negative payment information, regarding the Woman Within® account. Please allow 45 daysfor this information to update in their records.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your account, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com
Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that the Bank has been reporting late payment...
information to Experian and Transunion. You state you contacted the Bank previously and you received a response stating the request to remove the late payment information was only updated on Equifax. You are requesting the Bank remove the late payment with all of the credit-reporting agencies. We apologize for the inconvenience you have experienced regarding this matter. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the previous late payment notification regarding the EXPRESS NEXT account. Please allow the credit-reporting 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 (800) 820-8932. Sincerely, Ashley H[redacted] Compliance Dept. – Consumer Responses CC: Revdex.com
Dear [redacted]We received your correspondence, addressed to the Revdex.com, regarding theabove-referenced account. Comenity Bank issues Coldwater Creek MastercardB accounts,and we respond to all account-related inquiries. Your inquiry was forwarded to my attention andI appreciate...
this opportunity to assist you.Your complaint indicates that you would like the Bank's website to offer monthly automaticwithdrawals from your checking account to pay your Coldwater Creek MastercardB account.Due to this option not being available, you state that you have incurred two late payment fees;the first of which was removed. You would like the Bank to refund the additional late feeincurred of $35.00. We apologize for any inconvenience or frustration you may haveexperienced because of this matter.At this time the Bank does not provide an option for automatic payments on your ColdwaterCreek Mastercard@ account. The Bank understands your desire for this option, and hopes thatthis service may be available to you in the near future.Please keep in mind when payments are not received, are received after 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.Although no Bank errors were found, in the interest of customer service, I have removed the$35.00 late fee assessed to the account on April 18, 2015.We hope this information is helpful. Should you have any additional questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
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. ...
You state you ordered merchandise online. Although the items showed in stock at the time you made your order, and you received emails stating the items were stock, when you received your order you were notified that the items were discontinued. You state you lost your job in January of 2017, and you missed a few payments. When you alerted the Bank, you were refunded $15.00 of $70.00 in late fees. You further state you were being charged for [redacted], and they could not do anything for you. Additionally, even though you made a payment on your due date of April 11, 2017, you were charged another late fee. When you called the Bank to inquire about this matter, the representative stated she could see that you paid, but there was nothing that could be done. You are requesting to have all of the late fees removed from the account, your credit report corrected, and [redacted] cancelled. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Bank and Victoria’s Secret are two separate entities. Comenity Bank is responsible for addressing questions related to Victoria’s Secret Angel credit card accounts, while Victoria’s Secret is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. For questions regarding merchandise ordered, please contact Victoria’s Secret Catalog Customer Service at ###-###-####. [redacted] is offered by a third party vendor, [redacted] is an optional debt cancellation program that can cancel your balance if you become involuntarily unemployed, hospitalized, disabled or should you pass away. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. The account was enrolled in [redacted] on January 17, 2012, via phone, when you called to activate your credit card. On May 22, 2017, you spoke with a representative of the Bank and requested to have [redacted] cancelled, and you stated that you did not recall enrolling in the program. As a result, the [redacted] program was cancelled, at your request, and a courtesy of $9.06 for one [redacted] fee was given. We contacted [redacted], on your behalf, and they confirmed that no claim had been received. If your date of loss was during the time you were enrolled in [redacted], you may still be eligible to file a claim. Please contact [redacted] directly at ###-###-#### if you have any questions or would like to file a claim. 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card Agreement. On March 15, 2017, you spoke with a representative of the Bank. During the conversation, the representative issued a $15.00 late fee credit to the account, as a courtesy. On April 11, 2017, a phone payment of $25.00 was made, using the Bank’s automated system. The phone payment you made on April 11, 2017, for $25.00 was submitted at 9:48 p.m. Eastern Time (ET) which was after the cutoff timeframe of 8:00 p.m. ET for same-day processing; therefore, the payment was not posted to your account until the following day. Please be advised that our payment cut off timeframes are disclosed on your monthly billing statement under a section called "Payments". All fees are valid and they were assessed in accordance to your Credit Card Agreement. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you. In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. Eastern Time (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date). Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter On April 24, 2017, you spoke with a representative of the Bank and asked why the late fee was charged to the account. The representative advised that because the phone payment on April 11, 2017, was received after the cut off time of 8:00 p.m. ET a late fee was assessed to the account. You stated you were not aware of the cutoff timeframe, and that you were going to close your account. However, the call ended before the representative was able to close your account. Although we find the late fees to be valid, on May 24, 2017, the Bank issued an additional late fee credit of $25.00, as a courtesy. Please be assured, no negative payment information has been reported to the credit-reporting agencies, as a result of this matter. Your Victoria’s Secret Angel credit card account is open, and is in good standing. If it is your intention to have your Victoria’s Secret Angel credit card account closed, please contact our Customer Care team 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] Compliance Dept. – Consumer Responses
In my initial request/response I advised that Comenity Bank had violated the Fair Debt Collection Practices Act (FDCPA) by being harassing in their attempts to contact and after I have spoken with them once I continue to receive additional calls in which there was several days that I had spoken to 3 different people in one day because they continue to call. I was disputing balances owed, what I am requesting because of the banks practice in their collection effort they have violated laws on multiple occasions. I am trying to resolve this issue in the least expensive manor for the bank but if I take this further and to an attorney, Comenity Bank will have to pay per violation, and from my records it is 6. Just by closing the account is not resolving the issue and it is actually making it worse, because you closed it with a balance due which will affect my credit substantially. Again I am requesting to close it with a balance due in good standing or credit the balance or I will go further with my documentation and proof of the numerous calls received and the calls in which I had spoken with several reps who repeatedly called me after I had spoken with some once and did not request a call back. Also I am quite aware that you can pull all call records that was made to my contact #'s and see for yourself that violations your reps have made.
Regards* [redacted]