Dear [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the EXPRESS NEXT credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that the account was deleted on May 19,...
2016, and you were not able to pay online or at the store. You state that numerous cards were sent to you, but you have not received them; however, you are receiving the billing statements. You would like something from the Bank for your time and frustration spent trying to get the account fixed.Bank records indicate on June 18, 2016, the account ending in [redacted] was cancelled and transferred to a new number ending in [redacted], as you had not received the credit card. A new card was issued to the address as listed in your complaint, and we had no record of the card being returned by the post office as undeliverable. A replacement card was requested on the account ending in [redacted], and then cancelled on the same day; we apologize for this error.On December 12, 2016, the Bank was notified that you had not received the card. Therefore, the account ending in [redacted] was cancelled, and transferred to a new number ending in [redacted]; however, a new card was not requested, which is why you never received it. This account is open and valid. In order to register the account on account center, this card has to be used as it is the most current credit card number. Any other numbers that may have been used as an attempt to charge or register online would have been invalid.Due to these concerns, the Bank had opened a ticket for your account to be researched. The Bank was unable to find any issues with your current account, and there are no blocks that would restrict you from charging or registering on the Bank’s account center.In order to ensure you have the correct card, we issued a card from your current account ending in [redacted]. We confirmed the card was sent and should arrive within two weeks. Additionally, please be aware that you have an authorized buyer, [redacted] listed on the account. We have not issued a card to her at this time. If [redacted] has an old card and attempts to charge or register the account on your behalf, the card would decline and the registration would not go through. If you want the Bank to issue a card for [redacted], please contact our Customer Care team at ###-###-####, and they will be happy to assist you.Furthermore, the Bank and EXPRESS have different websites. To register the account with the Bank, please be sure you access http://comenity.net/express. Here you will be able to view your account information and make payments to the EXPRESS NEXT credit card.As a token of our apologies, we have issued a $25.00 credit to your 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,Shawnda Y[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence that you sent a...
payment in the amount of $27.00 that was notposted to your account causing you to receive a late fee. When you contacted our Customer Servicedepartment you state that the representative was not friendly, did not want to hear your concerns, andsuggested you close your account; which you did. Furthermore, you are requesting a refund in the amountof $15.00.Please be advised, your payments are due by the 16th of each month. If a payment is received after thedue date, or for less than the requested minimum amount due, a late fee and finance charges may beassessed to the account, pursuant of the terms and conditions of the Credit Card AgreementBank records indicate a $27.00 minimum payment was due on February 16, 2017. There was a $32.00payment posted to the account on February 25, 2017. As this payment was received after the due date, alate fee and finance charge were assessed to the account.On February 25, 2017, credits totaling $13.44 were issued to your Victoria’s Secret Angel account as aone-time courtesy.Comenity Bank is committed to providing the best customer service and we are disappointed when thatstandard is not met. Your opinion of our service is important to us, and we appreciate the time you spent innotifying us of your concerns. We have reviewed the concerns in your correspondence as well as theapplicable 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 providingthe best customer service and are disappointed when a customer feels this standard was not met.Please be assured that we have issued an additional credit to your account for the remaining balance,which resulted in a zero balance The account was closed on February 25, 2017, as you requested.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,Rosa M[redacted]
Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Bank issues Bedford Fair Apparel credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state in your complaint that you signed up for a promotional plan with Bedford Fair Apparel for $1.99 for the first month and $14.87 for each month thereafter. You further state that you had 30 days to cancel and, although you cancelled within three weeks, your Bedford Fair Apparel credit card account was charged $14.97 for eleven months. Additionally, although you disputed the charges and were given credit for three charges, you are stating that you feel you are due more. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please note that Bedford Fair Apparel, Old Pueblo Traders, and Comenity Bank are separate entities. The Bank issues and is responsible for addressing questions related to Bedford Fair Apparel and Old Pueblo Traders credit card accounts. Bedford Fair Apparel and Old Pueblo Traders are responsible for handling matters related to sales, merchandise processing, returns and shipping. We have reviewed your account and are happy to share our findings. The Bedford Fair Apparel VIP Plus program, and the Old Pueblo Traders VIP program are optional services that are offered through Bedford Fair Apparel and Old Pueblo Traders. Bedford Fair Apparel card holders have the ability to cross shop with Old Pueblo Traders. Both VIP programs offer a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the account each month. Cancellation may be made at any time with no further obligation. Our records indicate that the above-referenced account was charged for eleven Old Pueblo Traders VIP Plus membership fees at $14.97 each. On June 17, 2015, as a result of a billing dispute the Bank received, the Old Pueblo Traders VIP Plus membership was cancelled, and credits totaling $44.91 for three monthly membership fees, and $1.99 for an introductory fee, were issued to the account. We reached out to Old Pueblo Traders, on your behalf, regarding the remaining Old Pueblo Traders VIP Plus charges. On January 22, 2016, Old Pueblo Traders issued credits totaling $121.75 for eight additional monthly membership fees, and $1.99 for the introductory fee for Old Pueblo Traders VIP Plus. These credits appeared on your monthly billing statement issued on January 24, 2016. We have enclosed a copy of this billing statement for your review. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Zales credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that the website for Zales online bill pay has caused you to be assessed multiple late fees. You state that you have multiple accounts with Comenity Bank and you don’t have any issues on any of the other websites to pay your bill. You also state that you were told to take a screen shot every time you pay your bill, so that you have evidence that you logged on before your due date. You are requesting to have all of the late fees credited to your account. In addition you state that you received rude treatment while speaking with the Bank. We apologize for the inconvenience this matter may have caused you. Bank records indicate that your October 2016 billing statement was issued with a minimum payment of $67.00 due by November 13, 2016. As no payment was received by the due date, a late fee of $27.00 was assessed to your account. Records indicate that you logged on to Account Center on October 14th; however, no payment was scheduled. On November 17, 2016, you logged on to Account Center and scheduled a payment of $150.00 for the same day. The November 2016 billing statement was issued with a minimum payment of $71.00 due by December 13, 2016. Records indicate that you logged on to Account Center on December 1, 2016, and scheduled a payment of $250.00 for December 13, 2016. As you payment was applied to your account on the due date, no late fee was assessed. The December 2016 billing statement was issued with a minimum payment of $60.00 due January 13, 2017. As no payment was received by the due date a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on January 17, 2017, however, no payment was scheduled. On January 18, 2017, you logged on to Account Center and scheduled a payment of $100.00 for the same day. The January 2017 billing statement was issued with a minimum payment of $63.00 due February 13, 2017. As no payment was received by the due date, a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on February 16, 2017, and scheduled a payment of $150.00 for the same day. Please be advised, your payments are due by the thirteenth of each month. If a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charges may be assessed to the account, pursuant of the terms and conditions of the Credit Card Agreement. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $27.00 was issued to your account on January 18, 2017. Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees. We have reviewed the applicable telephone conversation. 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. Please be advised that you may have been asked to take screenshots each time you logged in to make a payment before your due date; because the Bank may have required supporting documentation to be supplied in order to fully investigate your claim. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Ashley H[redacted]
I faxed a copy of the documents sent to you from Peebles and Comenity Bank to Geanine M[redacted] [redacted] I am sure that she received a copy from you too, however, she send me the identical same response in which she gave on the 15th of August). I feel justified in stating that the Companies (Peebles, Comenity Bank, and the Credit Reporting Agencies) knew exactly what were doing when they placed the account as "negative" with the Credit Bureaus. I know that the Credit Bureaus did not try to validate the account. I have written the Banking Commission in Ohio, but have yet to receive a response from them either. I definitely intend to send a copy of all the correspondence with these companies viral as well pursue legal actions. All these companies knew my race and was written about the account on numerous occasions. The discrimination in which I have suffered is being ignored as "oh well". Ms. M[redacted] has yet to acknowledge that she has received the correspondence for both the Revdex.com and myself. Nor have I heard back from your organization. I feel that this is a case of Racketeering and a violation of the RICO statue.complaint #[redacted].
the attached response didn't give me ANY reason as to why my account is "ineligible" for an adjustment. Not even a single explanation. It amazes me how the credit card company is so adamant about collecting a payment but then when customers fall on hard times, they aren't willing to work with them to resolve any issues. I've had the card since 2016 and paid on it on time, every single month and you mean to tell me that you're unwilling to adjust maybe just ONE late fee without an explanation as to why? That's ridiculous. I'm definitely gonna file with the Consumer Financial Protection Bureau as well.
.Dear [redacted]: We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you were offered a joint membership as a secondary member on a fitness account. You were advised that you would only be responsible for your portion of the membership; however, your credit card was charged for all the fees. Furthermore, you are requesting that a refund be issued to you for the portion that was not your responsibility. Please be advised that Comenity Bank does not finance fitness center accounts. Please contact the fitness center directly regarding a refund. We hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I...
appreciate the opportunity to respond to your concerns.Your complaint states that due to poor customer relations, the account was restricted due to beingenrolled in a debt consolidation program. You state that this was processed due to another personliving in the same household who also has a VICTORIA’S SECRET account with Comenity Bankand, had the account numbers have been verified, this issue would not exist. Furthermore, it took45 minutes and three phone calls to find out why the account was restricted. You have since senta letter, and you are requesting we reinstate the account and compensate you with rewards cash.After a thorough review of your account, our records indicate that your VICTORIA’S SECRETaccount was noted with a cease and desist status on August 9, 2016, after the Bank received aletter from you regarding late fees and a request to cease calls. Enclosed is a copy of the letter.Please be advised, a cease and desist request will stop all future collection calls, but it will alsosuspend authorizations for new purchases on all of your accounts since we will be unable tocontact you. You will continue to receive certain legal communications as permitted by law. Yourrequest to cease and desist contact on your account may be changed at any time by contactingus again in writing at the below address:Comenity BankP.O. Box 182273Columbus, OH 43218-2273In addition, I reviewed the applicable telephone calls. Please be assured that Comenity Bankstrives to provide world-class service to its customers, and we are disappointed when this doesnot occur. We found that you were provided with incorrect information. Please be assured, yourVICTORIA’S SECRET account was never enrolled into a debt consolidation program, nor wasthe account updated with a Power of Attorney at any time. Please be assured that we have takensteps to immediately coach our associate(s) to ensure they are providing correct information toour customers.As a token of our apology, I have issued a credit of $25.00 to your account. This credit will reflecton the next one to two billing statements. Please be assured, per your written request in this complaint, I have removed the cease anddesist status from your accounts. As such, you now have charging privileges on the VICTORIA’SSECRET account.We apologize for any inconvenience this has caused and we hope you find this information to behelpful. Should you have any questions or concerns, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Special
I am rejecting this response because: I am STILL getting calls from your company after the date of October 27, 2017! I am now contacting the police for harassment. I do not live in [redacted]. You have the wrong [redacted]!! You would know that when you call the number that does not have that area code you are trying to reach the numerous times you are calling and harassing me. Lastly, I will be contacting a lawyer.
Regards,
[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues Express and Pottery Barn credit card accounts, and we are here to answer all account-related questions. I appreciate the...
opportunity to address your concerns.We understand from your complaint that two accounts were issued without your authorization and once you became aware of them you contacted the Bank to advise us of this matter. Additionally, you state no documents have been provided to you regarding the initial opening of the accounts and that you have received less than satisfactory service.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.Bank records indicate that a Statement of Fraud and Forgery has already been received from you regarding the aforementioned accounts. A fraud investigator has been assigned, and the investigation is underway. Should additional information be required of you, the assigned investigator would be in contact with you. To receive a copy of the application, the Bank would need the following:Valid Identification of the victim (Customer Name)A copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report, if necessary.A signed affidavit attesting to the validity of the identity theft claim. Please send the above documents to our Account Protection team at: Comenity BankAccount ProtectionPO Box 182686 Columbus, OH 43218-2686 If you are not able to send the above documents, a subpoena would be necessary to send the information you are requesting. A subpoena must include either the consumer’s full name and complete social security number, or full name and complete account number. The subpoena needs to be issued by a court with the subpoena power over Comenity Bank in compliance with the applicable rules of Civil Procedures or statutes. Please send your request to: Comenity Bank Attn: [redacted] Thefraud investigator will respond in writing once the investigation has been completed. In the meantime, should you have any other questions or concerns regarding this issue, please contact the Account Protection team directly at ###-###-#### (TDD/TTY ###-###-####), and refer to case number [redacted] They would be happy to assist you. Sincerely,Kaija M[redacted]
Dear [redacted]We received your complaint regarding the above-referenced credit card account. ComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.We understand from your complaint that someone is using your personal information, withoutyour permission, and is opening accounts in your name. You are requesting that the Bankinvestigate this matter and remove the fraudulent accounts from your name. We apologize forand inconvenience this may have caused you.To better assist you, we need additional information to locate the account(s) in question. Pleaseprovide the following:- Complete Account Number- Any Previous Names of Accountholder- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
you did not satisfy either of my requests. I asked Comenity Bank to remove all accounts from my credit report. It has been over two months since I submitted the Statement of Fraud and Forgery. Comenity Bank is causing financial harm to my credit. You said the investigation is underway. I am very happy that an investigation is underway and I hope Comenity Bank takes all the time necessary to investigate and find the identity thief. However, I demand that my credit be corrected immediately. As I have said above, two months is excessive for my credit to be impacted as a result of Comenity Bank's negligence. You also said, to receive a copy of the application, the Bank would need the following:Valid Identification of the victim (Customer Name)A copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report, if necessary.A signed affidavit attesting to the validity of the identity theft claim.You have already stipulated that Comenity Bank has received the Statement of Fraud and Forgery from me. In that statement, there is valid identification of the victim, ME. There is also a copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report. There is even a signed affidavit attesting to the validity of the identity theft claim. In addition to that information that you have already stipulated that I have provided, I have also sent Comenity Bank an express request on October 8, 2015, signed under the penalty of perjury, identifying myself. In that request, I expressly ask for all business records and applications used in my name. As this request is required by federal law to be fulfilled NO LATER THAN 30 DAYS. 15 USC 1681g(e). Comenity Bank has ignored that request. Today, I am making another written request based on your instructions. This time, I spent approximately $4 on tracking and a signed verification of receipt from Comenity Bank. You say you apologize for the inconvenience and frustration that this has caused me then you suggest that I get a subpoena. Your company has put fraudulent records on my credit report, your company has ignored my written correspondences, your company has disregarded federal law and suggested that I need to seek litigation in order for me to enforce my rights. I reject your offer, Kaija M[redacted]. Outside of an empty apology, you have done nothing for me. If you have any questions or concerns regarding any of the above, call me at ###-###-#### or email me anytime at [redacted] Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Crate and Barrel and RH credit cards. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youhave contacted the Bank since September trying to find the money that was taken from your bankaccount without your permission. You state you authorized three payments and five paymentswere taken from your account. You have set up a payment plan and your bill never changes.When you question the Bank about this, you are hung up on, screamed at, harassed, and no onewill listen to your complaint. The Bank is taking money and not applying to your accounts. OnFebruary 3, 2018, a payment of $439.00 was debited from your checking account and youreceived a call stating that there was no record of this payment. You are requesting that the Bankfinds the payment of $439.00, and adjust or pay off the accounts.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a review of the Crate and Barrel account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 2, 2017 $50.00 Via Account Center May 2, 2017September 17, 2017 $127.00 Via Account Center October 3, 2017December 15, 2017 $200.00 Via Account Center December 16, 2017January 10, 2018 $439.00 With Bank Associate February 3, 2018February 11, 2018 $161.00 Via Account Center *March 3, 2018As of the date of this letter, the balance on the Crate and Barrel account is $4253.23. Please note,this balance does not include the payment above that is denoted with an asterisk, as it isscheduled for a future withdrawal date.After a review of the RH account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 21, 2017 $421.00 Via Account Center May 21, 2017August 28, 2017 $60.00 With Bank Associate August 28, 2017September 11, 2017 $380.00 With Bank Associate September 11, 2017September 18, 2017 $280.00 With Bank Associate September 29, 2017September 18, 2017 $280.00 With Bank Associate October 13, 2017September 18, 2017 $280.00 With Bank Associate October 27, 2017January 10, 2018 $440.00 With Bank Associate January 24, 2018January 10, 2018 $440.00 With Bank Associate *February 24, 2018January 10, 2018 $440.00 With Bank Associate *March 24, 2018February 11, 2018 $160.00 Via Account Center *February 26, 2018As of the date of this letter, the balance on the RH account is $8,633.64. Please note, this balancedoes not include the payments above that are denoted with an asterisk, as they are scheduledfor future withdrawal dates.As the Bank finds this information correct, we respectfully decline your request for the accountsto be adjusted.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and are here to help with your questions. The Revdex.com forwarded your complaint to my attention, and I appreciate the opportunity to respond to your concerns. Thank you for speaking...
with me on July 17, 2015. Per our discussion, please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Bank. Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter. Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in 3920 from Comenity Bank. We hope you find this information helpful. If you have any additional questions or concerns please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the LOVELOFT credit card. We are here to answer
your questions and assist with your concerns.
We understand from the correspondence,
submitted to...
the Revdex.com, that you disputed the account with
Credit Karma and the account was removed from your credit file. You are an
authorized user on this account and the account had been reporting on your
credit file for three years. You state that you are purchasing a home and your
lender cannot see the account on your credit file due to the account having been
removed. You have contacted the Bank to request we contact Jenny C[redacted] on your
behalf to have the account reinstated to your credit file. At which time you
were advised the Bank does not contact the credit-reporting agencies, and you
would have to submit your request in writing to the Bank. You are requesting we
get this matter taken care of for you.
Please be advised, it is the process of the
Bank to request credit bureau disputes be submitted in writing. This
information can be found on the back of each statement.
We would like to help resolve any
concerns you have. However, based on the
information provided in your correspondence,
in order
to better assist you, please provide us more specific information such as your
Social Security number; we are unable to update your credit file, without this
information.
Once this information has been received, we will be able to accurately
address your concerns, please send this information to my attention at the
address on the top of this letter.
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.
From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 2017 3:36 PMTo: [email protected]: Fwd: Your online application has been approved_________________________________________From: Cameron Young [mailto:[email protected]] Sent: Monday,...
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you sent a payment for the late fee...
and the shipping and handling charges, which paid your balance in full. However, your account is still showing a balance owing. You are requesting that your account balance be brought to zero. In addition, you request that your account be closed and to cancel the catalogs from being sent to you. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on December 3, 2016, a purchase of $34.99 posted to your account. A statement was issued to you on December 7, 2016, showing a balance of $34.99 and a minimum payment of $20.00 due by January 2, 2017. On December 29, 2016, a return credit of $25.00 posted to your account. Please be advised that return credits are not applied towards the minimum payment due; therefore, a payment must be made monthly, to avoid a late fee. The Bank did not receive a payment by the due date and as a result, a late fee and finance charge was assessed to your account.Bank records further indicate that on January 7, 2017, a statement was issued to you showing a balance of $30.99 with a minimum payment of $14.99 due by February 2, 2017. The Bank received your payment of $21.00 on February 7, 2017. As a result of the payment being received after the due date, a late fee and finance charge was assessed to your account.Although, Comenity Bank did not find any billing errors, we have issued a total credit of $2.59 to bring your account to zero.As requested the Bank has closed your account and have requested to have the catalogs cancelled.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,Compliance Dept. – Consumer Responsescc: Revdex.com
we have to agree to disagree on the balance of my Kay jewelers account. Comenity/Kay jewelers are robbing me of over $500 and I'm choosing to cut my losses because unfortunately most of my payments have been cash payments and since I can't come up with all my receipts comenity is not able to help. Nothing was resolved. Rosa M[redacted] never once tried to contact me via phone and she was the one who was doing the investigation. You can close this case because since October 17th I have disputed this balance and it is now February 16th and have gotten no where but more stressed out than anything because of this. I've cut my losses and am moving forward. Never again will I bank with Kay jewelers or comenity. My last phone call with comenity they told me that I should be filing a complaint against Kay jewelers.....I'm all set with this being misguided with information. I give up
The company is crooked after I file this complaint about the money I owe from this business, they sent information to third party collection agency. I tried to explain to you all this company was not right in formation. Thank you
Dear [redacted]
Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the EXPRESS NEXT credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that the account was deleted on May 19,...
2016, and you were not able to pay online or at the store. You state that numerous cards were sent to you, but you have not received them; however, you are receiving the billing statements. You would like something from the Bank for your time and frustration spent trying to get the account fixed.Bank records indicate on June 18, 2016, the account ending in [redacted] was cancelled and transferred to a new number ending in [redacted], as you had not received the credit card. A new card was issued to the address as listed in your complaint, and we had no record of the card being returned by the post office as undeliverable. A replacement card was requested on the account ending in [redacted], and then cancelled on the same day; we apologize for this error.On December 12, 2016, the Bank was notified that you had not received the card. Therefore, the account ending in [redacted] was cancelled, and transferred to a new number ending in [redacted]; however, a new card was not requested, which is why you never received it. This account is open and valid. In order to register the account on account center, this card has to be used as it is the most current credit card number. Any other numbers that may have been used as an attempt to charge or register online would have been invalid.Due to these concerns, the Bank had opened a ticket for your account to be researched. The Bank was unable to find any issues with your current account, and there are no blocks that would restrict you from charging or registering on the Bank’s account center.In order to ensure you have the correct card, we issued a card from your current account ending in [redacted]. We confirmed the card was sent and should arrive within two weeks. Additionally, please be aware that you have an authorized buyer, [redacted] listed on the account. We have not issued a card to her at this time. If [redacted] has an old card and attempts to charge or register the account on your behalf, the card would decline and the registration would not go through. If you want the Bank to issue a card for [redacted], please contact our Customer Care team at ###-###-####, and they will be happy to assist you.Furthermore, the Bank and EXPRESS have different websites. To register the account with the Bank, please be sure you access http://comenity.net/express. Here you will be able to view your account information and make payments to the EXPRESS NEXT credit card.As a token of our apologies, we have issued a $25.00 credit to your 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,Shawnda Y[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence that you sent a...
payment in the amount of $27.00 that was notposted to your account causing you to receive a late fee. When you contacted our Customer Servicedepartment you state that the representative was not friendly, did not want to hear your concerns, andsuggested you close your account; which you did. Furthermore, you are requesting a refund in the amountof $15.00.Please be advised, your payments are due by the 16th of each month. If a payment is received after thedue date, or for less than the requested minimum amount due, a late fee and finance charges may beassessed to the account, pursuant of the terms and conditions of the Credit Card AgreementBank records indicate a $27.00 minimum payment was due on February 16, 2017. There was a $32.00payment posted to the account on February 25, 2017. As this payment was received after the due date, alate fee and finance charge were assessed to the account.On February 25, 2017, credits totaling $13.44 were issued to your Victoria’s Secret Angel account as aone-time courtesy.Comenity Bank is committed to providing the best customer service and we are disappointed when thatstandard is not met. Your opinion of our service is important to us, and we appreciate the time you spent innotifying us of your concerns. We have reviewed the concerns in your correspondence as well as theapplicable 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 providingthe best customer service and are disappointed when a customer feels this standard was not met.Please be assured that we have issued an additional credit to your account for the remaining balance,which resulted in a zero balance The account was closed on February 25, 2017, as you requested.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,Rosa M[redacted]
Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Bank issues Bedford Fair Apparel credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. You state in your complaint that you signed up for a promotional plan with Bedford Fair Apparel for $1.99 for the first month and $14.87 for each month thereafter. You further state that you had 30 days to cancel and, although you cancelled within three weeks, your Bedford Fair Apparel credit card account was charged $14.97 for eleven months. Additionally, although you disputed the charges and were given credit for three charges, you are stating that you feel you are due more. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please note that Bedford Fair Apparel, Old Pueblo Traders, and Comenity Bank are separate entities. The Bank issues and is responsible for addressing questions related to Bedford Fair Apparel and Old Pueblo Traders credit card accounts. Bedford Fair Apparel and Old Pueblo Traders are responsible for handling matters related to sales, merchandise processing, returns and shipping. We have reviewed your account and are happy to share our findings. The Bedford Fair Apparel VIP Plus program, and the Old Pueblo Traders VIP program are optional services that are offered through Bedford Fair Apparel and Old Pueblo Traders. Bedford Fair Apparel card holders have the ability to cross shop with Old Pueblo Traders. Both VIP programs offer a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the account each month. Cancellation may be made at any time with no further obligation. Our records indicate that the above-referenced account was charged for eleven Old Pueblo Traders VIP Plus membership fees at $14.97 each. On June 17, 2015, as a result of a billing dispute the Bank received, the Old Pueblo Traders VIP Plus membership was cancelled, and credits totaling $44.91 for three monthly membership fees, and $1.99 for an introductory fee, were issued to the account. We reached out to Old Pueblo Traders, on your behalf, regarding the remaining Old Pueblo Traders VIP Plus charges. On January 22, 2016, Old Pueblo Traders issued credits totaling $121.75 for eight additional monthly membership fees, and $1.99 for the introductory fee for Old Pueblo Traders VIP Plus. These credits appeared on your monthly billing statement issued on January 24, 2016. We have enclosed a copy of this billing statement for your review. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Zales credit cards. We are here to answer your questions and assist with your concerns. We understand from your...
complaint that the website for Zales online bill pay has caused you to be assessed multiple late fees. You state that you have multiple accounts with Comenity Bank and you don’t have any issues on any of the other websites to pay your bill. You also state that you were told to take a screen shot every time you pay your bill, so that you have evidence that you logged on before your due date. You are requesting to have all of the late fees credited to your account. In addition you state that you received rude treatment while speaking with the Bank. We apologize for the inconvenience this matter may have caused you. Bank records indicate that your October 2016 billing statement was issued with a minimum payment of $67.00 due by November 13, 2016. As no payment was received by the due date, a late fee of $27.00 was assessed to your account. Records indicate that you logged on to Account Center on October 14th; however, no payment was scheduled. On November 17, 2016, you logged on to Account Center and scheduled a payment of $150.00 for the same day. The November 2016 billing statement was issued with a minimum payment of $71.00 due by December 13, 2016. Records indicate that you logged on to Account Center on December 1, 2016, and scheduled a payment of $250.00 for December 13, 2016. As you payment was applied to your account on the due date, no late fee was assessed. The December 2016 billing statement was issued with a minimum payment of $60.00 due January 13, 2017. As no payment was received by the due date a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on January 17, 2017, however, no payment was scheduled. On January 18, 2017, you logged on to Account Center and scheduled a payment of $100.00 for the same day. The January 2017 billing statement was issued with a minimum payment of $63.00 due February 13, 2017. As no payment was received by the due date, a late fee of $37.00 was assessed to your account. Records indicate that you logged on to Account Center on February 16, 2017, and scheduled a payment of $150.00 for the same day. Please be advised, your payments are due by the thirteenth of each month. If a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charges may be assessed to the account, pursuant of the terms and conditions of the Credit Card Agreement. The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $27.00 was issued to your account on January 18, 2017. Unfortunately, the bank is unwilling to make any additional adjustments to your account for the previously assessed late fees. We have reviewed the applicable telephone conversation. 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. Please be advised that you may have been asked to take screenshots each time you logged in to make a payment before your due date; because the Bank may have required supporting documentation to be supplied in order to fully investigate your claim. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Ashley H[redacted]
I faxed a copy of the documents sent to you from Peebles and Comenity Bank to Geanine M[redacted] [redacted] I am sure that she received a copy from you too, however, she send me the identical same response in which she gave on the 15th of August). I feel justified in stating that the Companies (Peebles, Comenity Bank, and the Credit Reporting Agencies) knew exactly what were doing when they placed the account as "negative" with the Credit Bureaus. I know that the Credit Bureaus did not try to validate the account. I have written the Banking Commission in Ohio, but have yet to receive a response from them either. I definitely intend to send a copy of all the correspondence with these companies viral as well pursue legal actions. All these companies knew my race and was written about the account on numerous occasions. The discrimination in which I have suffered is being ignored as "oh well". Ms. M[redacted] has yet to acknowledge that she has received the correspondence for both the Revdex.com and myself. Nor have I heard back from your organization. I feel that this is a case of Racketeering and a violation of the RICO statue.complaint #[redacted].
the attached response didn't give me ANY reason as to why my account is "ineligible" for an adjustment. Not even a single explanation. It amazes me how the credit card company is so adamant about collecting a payment but then when customers fall on hard times, they aren't willing to work with them to resolve any issues. I've had the card since 2016 and paid on it on time, every single month and you mean to tell me that you're unwilling to adjust maybe just ONE late fee without an explanation as to why? That's ridiculous. I'm definitely gonna file with the Consumer Financial Protection Bureau as well.
.Dear [redacted]: We received your complaint regarding the above-referenced credit card account. Comenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your complaint, addressed to the Revdex.com, was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you were offered a joint membership as a secondary member on a fitness account. You were advised that you would only be responsible for your portion of the membership; however, your credit card was charged for all the fees. Furthermore, you are requesting that a refund be issued to you for the portion that was not your responsibility. Please be advised that Comenity Bank does not finance fitness center accounts. Please contact the fitness center directly regarding a refund. We hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted] Consumer Relations Specialist
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we arehere to assist you with account-related questions. Your complaint was forwarded to my attention,and I...
appreciate the opportunity to respond to your concerns.Your complaint states that due to poor customer relations, the account was restricted due to beingenrolled in a debt consolidation program. You state that this was processed due to another personliving in the same household who also has a VICTORIA’S SECRET account with Comenity Bankand, had the account numbers have been verified, this issue would not exist. Furthermore, it took45 minutes and three phone calls to find out why the account was restricted. You have since senta letter, and you are requesting we reinstate the account and compensate you with rewards cash.After a thorough review of your account, our records indicate that your VICTORIA’S SECRETaccount was noted with a cease and desist status on August 9, 2016, after the Bank received aletter from you regarding late fees and a request to cease calls. Enclosed is a copy of the letter.Please be advised, a cease and desist request will stop all future collection calls, but it will alsosuspend authorizations for new purchases on all of your accounts since we will be unable tocontact you. You will continue to receive certain legal communications as permitted by law. Yourrequest to cease and desist contact on your account may be changed at any time by contactingus again in writing at the below address:Comenity BankP.O. Box 182273Columbus, OH 43218-2273In addition, I reviewed the applicable telephone calls. Please be assured that Comenity Bankstrives to provide world-class service to its customers, and we are disappointed when this doesnot occur. We found that you were provided with incorrect information. Please be assured, yourVICTORIA’S SECRET account was never enrolled into a debt consolidation program, nor wasthe account updated with a Power of Attorney at any time. Please be assured that we have takensteps to immediately coach our associate(s) to ensure they are providing correct information toour customers.As a token of our apology, I have issued a credit of $25.00 to your account. This credit will reflecton the next one to two billing statements. Please be assured, per your written request in this complaint, I have removed the cease anddesist status from your accounts. As such, you now have charging privileges on the VICTORIA’SSECRET account.We apologize for any inconvenience this has caused and we hope you find this information to behelpful. Should you have any questions or concerns, please contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations Special
I am rejecting this response because: I am STILL getting calls from your company after the date of October 27, 2017! I am now contacting the police for harassment. I do not live in [redacted]. You have the wrong [redacted]!! You would know that when you call the number that does not have that area code you are trying to reach the numerous times you are calling and harassing me. Lastly, I will be contacting a lawyer.
Regards,
[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues Express and Pottery Barn credit card accounts, and we are here to answer all account-related questions. I appreciate the...
opportunity to address your concerns.We understand from your complaint that two accounts were issued without your authorization and once you became aware of them you contacted the Bank to advise us of this matter. Additionally, you state no documents have been provided to you regarding the initial opening of the accounts and that you have received less than satisfactory service.The Bank has reviewed the issues in your complaint, as well as the applicable phone conversations. We apologize if you felt that you did not receive the best customer service. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Comenity Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.Bank records indicate that a Statement of Fraud and Forgery has already been received from you regarding the aforementioned accounts. A fraud investigator has been assigned, and the investigation is underway. Should additional information be required of you, the assigned investigator would be in contact with you. To receive a copy of the application, the Bank would need the following:Valid Identification of the victim (Customer Name)A copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report, if necessary.A signed affidavit attesting to the validity of the identity theft claim. Please send the above documents to our Account Protection team at: Comenity BankAccount ProtectionPO Box 182686 Columbus, OH 43218-2686 If you are not able to send the above documents, a subpoena would be necessary to send the information you are requesting. A subpoena must include either the consumer’s full name and complete social security number, or full name and complete account number. The subpoena needs to be issued by a court with the subpoena power over Comenity Bank in compliance with the applicable rules of Civil Procedures or statutes. Please send your request to: Comenity Bank Attn: [redacted] Thefraud investigator will respond in writing once the investigation has been completed. In the meantime, should you have any other questions or concerns regarding this issue, please contact the Account Protection team directly at ###-###-#### (TDD/TTY ###-###-####), and refer to case number [redacted] They would be happy to assist you. Sincerely,Kaija M[redacted]
Dear [redacted]We received your complaint regarding the above-referenced credit card account. ComenityBank issues multiple credit card accounts, and we are here to help answer your account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention,...
and I appreciate the opportunity to respond to your concerns.We understand from your complaint that someone is using your personal information, withoutyour permission, and is opening accounts in your name. You are requesting that the Bankinvestigate this matter and remove the fraudulent accounts from your name. We apologize forand inconvenience this may have caused you.To better assist you, we need additional information to locate the account(s) in question. Pleaseprovide the following:- Complete Account Number- Any Previous Names of Accountholder- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions orconcerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]
you did not satisfy either of my requests. I asked Comenity Bank to remove all accounts from my credit report. It has been over two months since I submitted the Statement of Fraud and Forgery. Comenity Bank is causing financial harm to my credit. You said the investigation is underway. I am very happy that an investigation is underway and I hope Comenity Bank takes all the time necessary to investigate and find the identity thief. However, I demand that my credit be corrected immediately. As I have said above, two months is excessive for my credit to be impacted as a result of Comenity Bank's negligence. You also said, to receive a copy of the application, the Bank would need the following:Valid Identification of the victim (Customer Name)A copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report, if necessary.A signed affidavit attesting to the validity of the identity theft claim.You have already stipulated that Comenity Bank has received the Statement of Fraud and Forgery from me. In that statement, there is valid identification of the victim, ME. There is also a copy of the filed police report, including a report number and contact information that may be used to confirm the filing of the report. There is even a signed affidavit attesting to the validity of the identity theft claim. In addition to that information that you have already stipulated that I have provided, I have also sent Comenity Bank an express request on October 8, 2015, signed under the penalty of perjury, identifying myself. In that request, I expressly ask for all business records and applications used in my name. As this request is required by federal law to be fulfilled NO LATER THAN 30 DAYS. 15 USC 1681g(e). Comenity Bank has ignored that request. Today, I am making another written request based on your instructions. This time, I spent approximately $4 on tracking and a signed verification of receipt from Comenity Bank. You say you apologize for the inconvenience and frustration that this has caused me then you suggest that I get a subpoena. Your company has put fraudulent records on my credit report, your company has ignored my written correspondences, your company has disregarded federal law and suggested that I need to seek litigation in order for me to enforce my rights. I reject your offer, Kaija M[redacted]. Outside of an empty apology, you have done nothing for me. If you have any questions or concerns regarding any of the above, call me at ###-###-#### or email me anytime at [redacted] Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Crate and Barrel and RH credit cards. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youhave contacted the Bank since September trying to find the money that was taken from your bankaccount without your permission. You state you authorized three payments and five paymentswere taken from your account. You have set up a payment plan and your bill never changes.When you question the Bank about this, you are hung up on, screamed at, harassed, and no onewill listen to your complaint. The Bank is taking money and not applying to your accounts. OnFebruary 3, 2018, a payment of $439.00 was debited from your checking account and youreceived a call stating that there was no record of this payment. You are requesting that the Bankfinds the payment of $439.00, and adjust or pay off the accounts.We have reviewed the concerns in your correspondence, as well as the applicable telephoneconversations. We apologize if you felt you did not receive the best customer service. We neverintend to treat our customers in a less-than-satisfactory manner. We are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a review of the Crate and Barrel account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 2, 2017 $50.00 Via Account Center May 2, 2017September 17, 2017 $127.00 Via Account Center October 3, 2017December 15, 2017 $200.00 Via Account Center December 16, 2017January 10, 2018 $439.00 With Bank Associate February 3, 2018February 11, 2018 $161.00 Via Account Center *March 3, 2018As of the date of this letter, the balance on the Crate and Barrel account is $4253.23. Please note,this balance does not include the payment above that is denoted with an asterisk, as it isscheduled for a future withdrawal date.After a review of the RH account, our records indicate the following payments:Schedule Date Amount Method Withdrawal DateMay 21, 2017 $421.00 Via Account Center May 21, 2017August 28, 2017 $60.00 With Bank Associate August 28, 2017September 11, 2017 $380.00 With Bank Associate September 11, 2017September 18, 2017 $280.00 With Bank Associate September 29, 2017September 18, 2017 $280.00 With Bank Associate October 13, 2017September 18, 2017 $280.00 With Bank Associate October 27, 2017January 10, 2018 $440.00 With Bank Associate January 24, 2018January 10, 2018 $440.00 With Bank Associate *February 24, 2018January 10, 2018 $440.00 With Bank Associate *March 24, 2018February 11, 2018 $160.00 Via Account Center *February 26, 2018As of the date of this letter, the balance on the RH account is $8,633.64. Please note, this balancedoes not include the payments above that are denoted with an asterisk, as they are scheduledfor future withdrawal dates.As the Bank finds this information correct, we respectfully decline your request for the accountsto be adjusted.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses
Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and are here to help with your questions. The Revdex.com forwarded your complaint to my attention, and I appreciate the opportunity to respond to your concerns. Thank you for speaking...
with me on July 17, 2015. Per our discussion, please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Bank. Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter. Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in 3920 from Comenity Bank. We hope you find this information helpful. If you have any additional questions or concerns please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Amanda R**Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the LOVELOFT credit card. We are here to answer
your questions and assist with your concerns.
We understand from the correspondence,
submitted to...
the Revdex.com, that you disputed the account with
Credit Karma and the account was removed from your credit file. You are an
authorized user on this account and the account had been reporting on your
credit file for three years. You state that you are purchasing a home and your
lender cannot see the account on your credit file due to the account having been
removed. You have contacted the Bank to request we contact Jenny C[redacted] on your
behalf to have the account reinstated to your credit file. At which time you
were advised the Bank does not contact the credit-reporting agencies, and you
would have to submit your request in writing to the Bank. You are requesting we
get this matter taken care of for you.
Please be advised, it is the process of the
Bank to request credit bureau disputes be submitted in writing. This
information can be found on the back of each statement.
We would like to help resolve any
concerns you have. However, based on the
information provided in your correspondence,
in order
to better assist you, please provide us more specific information such as your
Social Security number; we are unable to update your credit file, without this
information.
Once this information has been received, we will be able to accurately
address your concerns, please send this information to my attention at the
address on the top of this letter.
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,
Renee S[redacted]
Compliance Dept. – Consumer Responses
cc: RevDex.com
From: Cameron Young [mailto:[email protected]] Sent: Monday, January 09, 2017 3:36 PMTo: [email protected]: Fwd: Your online application has been approved_________________________________________From: Cameron Young [mailto:[email protected]] Sent: Monday,...
January 09, 2017 3:37 PMTo: [email protected]: Fwd: Emailing I'd 11908721.pdf
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Old Pueblo Traders credit card. We are here to answer your questions and assist with your concerns.The Bank received your complaint, and you state that you sent a payment for the late fee...
and the shipping and handling charges, which paid your balance in full. However, your account is still showing a balance owing. You are requesting that your account balance be brought to zero. In addition, you request that your account be closed and to cancel the catalogs from being sent to you. We understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on December 3, 2016, a purchase of $34.99 posted to your account. A statement was issued to you on December 7, 2016, showing a balance of $34.99 and a minimum payment of $20.00 due by January 2, 2017. On December 29, 2016, a return credit of $25.00 posted to your account. Please be advised that return credits are not applied towards the minimum payment due; therefore, a payment must be made monthly, to avoid a late fee. The Bank did not receive a payment by the due date and as a result, a late fee and finance charge was assessed to your account.Bank records further indicate that on January 7, 2017, a statement was issued to you showing a balance of $30.99 with a minimum payment of $14.99 due by February 2, 2017. The Bank received your payment of $21.00 on February 7, 2017. As a result of the payment being received after the due date, a late fee and finance charge was assessed to your account.Although, Comenity Bank did not find any billing errors, we have issued a total credit of $2.59 to bring your account to zero.As requested the Bank has closed your account and have requested to have the catalogs cancelled.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,Compliance Dept. – Consumer Responsescc: Revdex.com
we have to agree to disagree on the balance of my Kay jewelers account. Comenity/Kay jewelers are robbing me of over $500 and I'm choosing to cut my losses because unfortunately most of my payments have been cash payments and since I can't come up with all my receipts comenity is not able to help. Nothing was resolved. Rosa M[redacted] never once tried to contact me via phone and she was the one who was doing the investigation. You can close this case because since October 17th I have disputed this balance and it is now February 16th and have gotten no where but more stressed out than anything because of this. I've cut my losses and am moving forward. Never again will I bank with Kay jewelers or comenity. My last phone call with comenity they told me that I should be filing a complaint against Kay jewelers.....I'm all set with this being misguided with information. I give up
The company is crooked after I file this complaint about the money I owe from this business, they sent information to third party collection agency. I tried to explain to you all this company was not right in formation. Thank you