Dear Ms. [redacted]Thank you for the recent complaint, addressed to the Revdex.com, regarding theabove-noted matter. Comenity Bank issues various credit card accounts and we are here toanswer all account-related questions. Your correspondence was forwarded to my attention forreview and I...
appreciate this opportunity to assist you with your concerns.We understand your concerns as explained in the complaint and we appreciate the opportunityto address those concerns.Please understand that current privacy laws prohibit us from providing application information toanyone other than the applicant. So that we may further assist in this matter, we have sent aletter directly to [redacted]h.I apologize for the frustration or inconvenience that you have experienced regarding this matter.Should [redacted]h have any fulfher questions, please have her contact me directly at###-###-####, ext. [redacted] (TDD/TTY ###-###-####)- I will be happy to assist.[redacted] [redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues WESTGATE RESORTS MasterCard accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this...
opportunity to assist you. We understand from your inquiry that you purchased a time share with WESTGATE RESORTS. You are requesting that the balance on the account be credited, and that we update your credit report. Furthermore, you state that you were unaware of the membership cancellation process; however, you contacted our customer service department to close your account.Please be advised that Comenity Bank and WESTGATE RESORTS are two separate entities. Comenity Bank is responsible for addressing questions related to the WESTGATE RESORTS MasterCard account, while WESTGATE RESORTS is responsible for handling matters related to sales, their contracts, charges and refunds.Please reach out directly to WESTGATE RESORTS to discuss the contract. You may contact WESTGATE RESORTS with the following information:WESTGATE RESORTS[redacted]
[redacted]
[redacted]Please be assured that the account was closed per your request on June 7, 2016; however, you are still responsible for the balance on the account. As of the date of this letter, the account balance is $6,566.00 with a minimum payment of $207.00 due by August 20, 2016. The account is currently two billing cycles past due and at this time, no negative information has been reported to the credit-reporting agencies.I hope this information is helpful. Should you have any further questions or concerns regarding the account, please contact me at 10###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Good Day!Please forgive my delayed response. I have not been feeling well. I am satisfied with the business’ response. A full credit was applied to my account on 10/14/2016. Thank you very much for your assistance with this matter. I am extremely appreciative.Best regards, [redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues Meijer credit card accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate...
thisopportunity to assist you.Your complaint indicates that you submitted a payment in the amount of $573.19 on July 7,2015, and this payment never posted to your Meijer credit card account. You further indicatethat you have submitted ail the documentation that has been requested and still the paymenthas not posted to your account. We apologize for any inconvenience or misunderstanding youmay have experienced regarding this matter.Bank records indicate a response was mailed to you on August 20, 2015, requesting additionalinformation to locate your payment. I have attached a copy of this letter for your records.Please refer to the letter and provide the appropriate information in order to locate yourpayment.We hope you find thjs information to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY #########).Sincerely,Rosa M[redacted]
Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband 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 ordered one pair of shoes (slippers) and three pairs of support socks. You further state that although you returned these items back in November, you continue to receive bills. You do not know why you are being charged for items which you have returned, and you have been receiving calls from the Bank. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the provided label for the return, your account is billed $9.99 for the cost of the return shipping. In the interest of customer service, we have issued credits totaling $169.49 to remove the late fees, finance charges, and shipping and handling charges from the account. Your account balance, as of today’s date is zero. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext. 7293135 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues west elm credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand from your complaint that you applied for a west elm credit card account in May of 2015 and you have not received a west elm credit card and you have never made any purchases on the west elm account. We also understand that you have disputed the charges and a new west elm account was established and the purchases were transferred to the new account. You are requesting the Bank remove the information from your credit report, and stop contacting you. I apologize for any inconvenience this matter may have caused you. Our records indicate that we received a similar complaint that was filed with the CFPB (Consumer Financial Protection Bureau) on August 9, 2015. We have enclosed our response for your records. On October 30, 2015, your west elm account ending in [redacted] was closed, and your west elm account ending in [redacted] was established and a credit card was sent to the address listed above. The bank has no record of receiving the credit card back as undeliverable. Your account ending in [redacted] has a balance of $3,980.47. As advised in our previous correspondence the Bank considers the balance on this account to be valid. 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] Tell us why here...
The letter written by "Ashley H[redacted]" of Pottery Barn stated that my 12 month promotional plan expires on 6/4/2016, the same day I made the transaction a year prior. Since I did not get my first bill until July with a due date of July 28, 2015, my 12-month promo plan should not be expire until July 28, 2016. Basically what she is saying that my first payment was due before I received the delivery with the invoice; therefore, making it a 11-month promo plan not a 12-month. I spoke with her via telephone and she stated that "is how their 12-month promotional plan works." I asked for her to send me a copy of my agreement and in the 27 page agreement she sent via pdf e-mail states:<How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.> This is on the first page. One page 8 of 27 under C. Learning under the third bullet states: <If a promotional credit plan is offered at the time your open your Account, this Agreement will include information about the terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.> In the duration I've been with this account I never received an "attachment of insert". In the response letter by "Ashley Hughes" she states that my plan was initially transferred on 7/3/15 making the due date 7/28/15 (according to the language in the agreement) before it was inexplicably changed on 8/3/15. Since I have no documentation that states the terms of the 12 month deferment program, I can only go by what the customer service representatives say on the phone. Because of my experience with the customer service reps have been less than transparent, I am not confident what they say will be delivered. Also, as mentioned before, I have never received an August statement. I would appreciate your assistance in helping me in this matter.
Regards,[redacted]
I am rejecting this response because: there was no specific month and/or date stating when it'll be current on the last letter sent to me. I understand that it'll take 45 days from the first complaint which was on April 28, 2017 to show current on my credit report. However, I want to make sure that the letter states the month that it should show current which was January, 2017. Thank you!
Regards,
[redacted]
Your company was contacted regarding a loan for Clear Choice dental procedure. Also,another company was also approved for the dental procedure.After two days, I had contacted Clear Choice and cancelled the procedure since it wasgoing to be so costly. After a month passed, I started receiving telephone calls from yourcompany and also the other company. I explained to both your company and the othercompany that the procedure had been cancelled and no dental work was done.The other company contacted Clear Choice and receive a refund of the money that waspaid for the dental work. Your company contacted Clear Choice and received all except athousand dollars refund. I have explained over and over to your company that the dentalprocedure was not done and no money from you was received by me personally.Clear Choice finally refunded the thousand dollars in June, 2015. But by then yourcompany had already started adding penalty and interest to the thousand dollars. Thethousand dollars was not received by me for dental work or any thing else.I have tried to explain to your company that the thousand dollars was not my debt. Sinceit has finally returned to you the penalty and interest should not continually being added.At the time in June, 2015 when the money was returned to you there was a total of about$93. Now the penalty and interest is $1,233.for money not used by me or Clear Choice.Now I am receiving collection called four and five times each day. Threats are beingmade. I have been told that this could be bad if I did not pay. Wanting to know the nameof my legal representative. It has come to the point of being harassed by your company. Itis interfering with my work.If someone in your company would actually look at the information, you can clearly seethat I do not owe this debt. I would like my account to corrected and closed. If anyadverse comments were made to any credit bureau, I would like those to also be removed.I want to make sure you have all the correct information. I did not have dental workdone. I had a free consultation with Clear Choice. Clear Choice should not havesubmitted paper work to you since I did not have the procedure done. Once you hadreceived a partial refund, and having the information that the procedure was not done, itshould have been your responsibility to ask why the remaining money was not returnedalso. The money was not received by me and was not used by me. There should be nopenalty and interest on this money since you received a refund of the total amount. But ifyou decide that it is due, it is not due from me, but Clear Choice.At no time during the FREE consultation did anyone make my kind of statement thatthere would be a charge for any examinations done that day. I had no actual dental workdone that dayClear Choice obtained the finance through your company and another company. Myemployer also uses financing for our product. However, the customer has to sign off onall the work being completed and completed to their satisfaction. I did not sign off on anywork being done.1/13/2015 $11,000 Was sent from your company to Clear ChoiceJan, 2015 $10,000 Was received back fiom Clear Choice $ 1,000 Would still be owed as a refund from Clear Choice4/24/2015 $ 1,000 Received from Clear Choice4/24/2015 $ 1. Finance charge refunded 0 That would leave a zero balance due. $ 96.28 Showing as fees and interestI have never used any of the original $11,000 for dental work. I never approved of ClearChoice submitted an invoice for work done to you. All of the original $11,000 wasreturned to you from Clear Choice. If any amount should be consider due, it would be the$96.28. However, the fees and interest should be due from Clear Choice since they arethe ones that actually received your money.Thank you for your time on this matter. Please no more telephone call and threats madeto me.SincerelyDon H[redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist...
you.Your complaint states that while out of town you attempted to pay your bill from your cell phone and after several attempts, you were locked out of Account Center. You arrived home the same day and made the payment; however, the payment went through the following day. You tried to call Customer Care, but being that was on a Sunday they were closed. You called again and after speaking to a representative about the issue and requesting a late fee removed, we were unwilling to remove the fee. You closed your Victoria’s Secret Angel account but still have the late fees of $50.00 to pay.Bank records indicate that a billing statement was issued on December 23, 2014, and a minimum payment of $25.00 was due on January 18, 2015. You accessed the Bank’s Account Center on January 19, 2015, and made a $25.00 payment. As the payment was one day past the due date, your account was assessed a late fee.As explained in the Bank’s Credit Card Agreement, if a payment is not received, made for less than the minimum due, or made after the payment due date, your account will be assessed a late fee. As you had a late fee adjustment to your account in June 2014, less than 12 months prior, the representative was unwilling to credit an additional late fee.We understand that there may be times that prevent our customers from making the payment on time. As such, in the interest of customer service, we issued a credit for one late fee, totaling $25.00. This credit will appear on your next billing statement.We apologize for any inconvenience this matter may have caused you. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Bank issues your VICTORIA’S SECRET credit card account, and we are hereto help answer all account-related questions. Your complaint was forwarded to my attention,...
andI appreciate this opportunity to assist you.Your complaint states that although we closed your account, we are charging interest on the debtowed. You have requested the Bank to zero out the debt owed.Please find a summary of your account below. I have enclosed a copy of the account Credit CardAgreement (CCA), as well as copies of the monthly billing statements which show the accountactivity that comprised the account balance and delinquencies which are reporting to the creditbureaus.Bank records indicate the VICTORIA’S SECRET account was opened on April 15, 2015; use ofthe account, or failure to close the account within 30-days of receiving the CCA indicatesacceptance of the terms of the agreement, including the assessment of any finance charges andfees. The last purchase of $67.51 posted to your VICTORIA’S SECRET account on May 25,2015, and the last payment of $50.00 posted to the account on July 9, 2015. As of the date ofthis letter, your account has a balance of $692.02, with a minimum payment of $175.00 due byOctober 1, 2016. Your account is currently six billing periods past due. Should your accountexceed six consecutive billing periods past due, your account will be charged off for non-paymentand reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or ourCustomer Long-Term Workout Program. These programs can provide customers with specialterms in order to help bring the account current. If you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.Also, customers who are experienceing financial diffuculties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirements, andcould include all of your creditors. Comenity Bank supports and participates in the programsprovided by CCCS agencies. Should you wish to obtain information regrding their programs andfor a member agency located near you, please contact the National Foundation for CreditCounceling at ###-###-####.Please be advised that Comenity Bank finds the balance to be valid; therefore, we are unwillingto zero the balance.Furthermore, the address you provided in your complaint is different than the address we havelisted on your account. If this information needs to be changed to reflect the address noted above,please contact me.We hope this information is helpful. If you have any further questions or concerns, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
1. It took the bank 3 months to send me the paper bill. 2. As soon as I made the Revdex.com complaint, not only I received my bill but also the coupons which was not done previously.3. Yes the statement is available online but if the customer is not happy and is requesting a paperbill over and over again, it is bank's dunty to comply with the request, which apparently was not taken care of4. As I mentioned earlier, bank is very smart on blaming stuff on the postsl service. This shows that the customer i.e me is a liar and I refuse to take that tag.Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been unable to make a payment since November 3, 2017, due...
to loss of employment. You indicate your intention of paying off the debt, and request the Bank consider adjusting some of the late fees and finance charges that have been assessed. You also indicate you did not receive rewards available to Torrid cardholders, such as a discount on the first purchase.Thank you for contacting us to assist you with this account. Unfortunately, the account is ineligible for late fee and/or finance charge credits at this time. However, we want to share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at (800) 388-2227.Regarding your concern about the benefits applied on previous purchases, please note Comenity Bank and Torrid are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Torrid is responsible for handling matters related to sales, merchandise processing, returns and shipping. For information and questions regarding the Torrid INSIDER Rewards program, refer to www.torrid.com/insider or call (877) 998-6774.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,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 11721477
I am rejecting this response because the balance transfer in the amount of -290.12 which was transferred to the account number [redacted] should be -290.12 not a charge of 290.12 and therefore it should not be treated as an amount I owe but as a credit in my behalf . This is simple math. It was not credited to my account on the transfer.
Regards,[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Roaman'sB credit card accounts, and we are here toassist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We...
understand from your complaint that you believe your bill is incorrect, and you were sentdouble items. You have contacted Comenity Bank, with no resolve. You do not believe youowe a balance on the account, and you would like a letter stating we corrected your creditreport.Please note that Comenity Bank and Roaman's are two separate entities. The Bank isresponsible for addressing questions related to your credit card account. Roaman's isresponsible for handling matters related to sales, merchandise processing, returns andshipping.When merchandise is ordered from Roaman's, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handling. Roaman's does not refundshipping and handling charges when merchandise is returned. In addition, if the provided returnlabel is used to return the package, the return label fee is also charged to the account.Bank records indicate, you have placed multiple orders with Roaman's that you charged to yourRoarnan'sQ credit card account. Please keep in mind when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA).Our records indicate on March 11. 2013, we received your dispute, regarding the information inyour complaint. On March 25, 2103, we sent a response which is enclosed for your records.We have spoken with Roaman's on your behalf, and they have provided receipts which verifyyour purchases. The receipts are enclosed for your records, along with billing statements whichshow the account activity that comprised the account balance and delinquencies which werereported to the credit-reporting agencies.Please be advised, the Roaman'sB account was opened on March 22,2012. The last purchaseof $7.50 was made on May 6, 2013, and the last payment of $87.93 was received on March 21.2013. Since the account exceeded six consecutive billing cycles past due, the account wasclosed, written off, and reported to the national credit-reporting agencies as an unpaid debt of$310.90 on December 6, 2013. The Bank then sold the account to Portfolio Recovery onJanuary 20, 2015.Comenity Bank is required to report factual information to the national credit-reporting agencies.We have reviewed your account, and we find that the information reported is correct; as such,we are unwilling to remove the account from your credit report.As Portfolio Recovery is now the owner of this account, we ask that you contact them directly at###-###-####.If you have further questions regarding the charges applied to your account, please contactRoaman's at ###-###-####.I hope you found this information to be helpful. If you have any further questions, pleasecontact Portfolio Recovery at the number listed above.Sincerely,Amanda R[redacted]
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues TigerDirect credit card accounts, and we are here to assist with your account-related questions. Your complaint was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that after opening the above-referenced account, you purchased insurance on the account, and that if something happens that you could not make your payments then the insurance could provide coverage. You also indicate in March 2015 you lost your income. At that time you placed a call requesting to use the insurance coverage, and you state you were told that there was nothing that could be done regarding this matter. You are requesting that the insurance coverage is honored. I am happy to share my findings with you. I attempted to find the call in question regarding the conversation regarding the insurance, unfortunately there were no calls in our system regarding this conversation. After a thorough review of the account, our records indicate that the above-referenced account was enrolled in Account Assure on September 21, 2014, and was cancelled on June 22, 2015. We reached out to [redacted], the program administrator of Account Assure regarding this matter and we were assured that you were covered for this period of time. Additionally, we were assured that they have not received any calls regarding this matter. Please contact [redacted] at ###-###-#### directly to determine if you are eligible for a benefit. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact [redacted] at the telephone number provided. They will be happy to assist you. Sincerely, Renee S[redacted]
August 31, 2017 *
[redacted] RE: Buckle Credit Card Account Ending In [redacted] Ref No.: [redacted] Dear [redacted]:...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with your concerns. You state in your correspondence that the account was assessed a late fee, as you were a few days late paying the balance in full. You contacted customer service and asked for the late fee to be removed as a courtesy and the request was denied as a late fee was credited once before. You then requested the account be closed. You received a statement with an additional late fee. You sent a written request to have the late fee removed and the request was denied. You received another statement and the balance had increased to $93.08, which is all late fees and interest. You are requesting the late fees and finance charges removed to bring the balance to zero and no adverse reporting. I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate a billing statement was issued April 14, 2017, with a balance of $157.98 and a minimum payment of $27.00 due by May 10, 2017. Due to no payment received by the due date, a late fee and finance charge were assessed to the balance. A billing statement was issued May 15, 2017, with a balance of $188.59 and a minimum payment of $37.00 due by June 10, 2017. A payment in the amount of $157.98 was received on May 17, 2017. A billing statement was issued June 14, 2017, with a balance of $31.61 and a minimum payment of $27.00 due by July 10, 2017. Due to no payment received a late fee and finance charge were assessed to the account. Additional billing statements were issued July 15, 2017, and August 15, 2017. Please be advised that the Bank fees assessed are valid. As such, we respectfully decline your request to remove the fees. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Although the account is closed per your request, we hope that you will continue to shop with Buckle. 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] Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
(1) It addressed nothing I requested, not even a fax or email address;(2) It was disjunctive and obviously written by a non-native speaker of English, almost bot-like boilerplate. It makes me question whether I was even understood. Please escalate my complaint, addressing it to President's Office, Comenity Bank.
Dear [redacted]Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccount. Comenity Bank issues the Trek credit card. We are here to answer yourquestions and assist with your concerns.I understand from your additional correspondence that you previously submitted a complaint towhich the Bank responded and advised we needed time to investigate. However, you neverreceived any further communication from the Bank. Now you are unable to obtain a loan at thelowest rate due to the information the Bank is reporting to your credit bureau report.I apologize for any inconvenience or frustration this matter may have caused you.Please be assured our fraud investigation was completed and we determined you were notresponsible for the account. On April 24, 2017, the Bank submitted a request to the credit reportingagencies for the Trek credit card account to be deleted from your credit bureau report. When thisrequest is made it may take up to 45 business days to be completed. In the meantime, pleaseuse this letter as confirmation the account is being deleted from your credit report.We apologize you did not receive our previous letter confirming you were not responsible for theaccount.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]
Dear Ms. [redacted]Thank you for the recent complaint, addressed to the Revdex.com, regarding theabove-noted matter. Comenity Bank issues various credit card accounts and we are here toanswer all account-related questions. Your correspondence was forwarded to my attention forreview and I...
appreciate this opportunity to assist you with your concerns.We understand your concerns as explained in the complaint and we appreciate the opportunityto address those concerns.Please understand that current privacy laws prohibit us from providing application information toanyone other than the applicant. So that we may further assist in this matter, we have sent aletter directly to [redacted]h.I apologize for the frustration or inconvenience that you have experienced regarding this matter.Should [redacted]h have any fulfher questions, please have her contact me directly at###-###-####, ext. [redacted] (TDD/TTY ###-###-####)- I will be happy to assist.[redacted] [redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues WESTGATE RESORTS MasterCard accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate this...
opportunity to assist you. We understand from your inquiry that you purchased a time share with WESTGATE RESORTS. You are requesting that the balance on the account be credited, and that we update your credit report. Furthermore, you state that you were unaware of the membership cancellation process; however, you contacted our customer service department to close your account.Please be advised that Comenity Bank and WESTGATE RESORTS are two separate entities. Comenity Bank is responsible for addressing questions related to the WESTGATE RESORTS MasterCard account, while WESTGATE RESORTS is responsible for handling matters related to sales, their contracts, charges and refunds.Please reach out directly to WESTGATE RESORTS to discuss the contract. You may contact WESTGATE RESORTS with the following information:WESTGATE RESORTS[redacted]
[redacted]
[redacted]Please be assured that the account was closed per your request on June 7, 2016; however, you are still responsible for the balance on the account. As of the date of this letter, the account balance is $6,566.00 with a minimum payment of $207.00 due by August 20, 2016. The account is currently two billing cycles past due and at this time, no negative information has been reported to the credit-reporting agencies.I hope this information is helpful. Should you have any further questions or concerns regarding the account, please contact me at 10###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Rosa M[redacted]
Good Day!Please forgive my delayed response. I have not been feeling well. I am satisfied with the business’ response. A full credit was applied to my account on 10/14/2016. Thank you very much for your assistance with this matter. I am extremely appreciative.Best regards, [redacted]
Dear Mr. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Bank issues Meijer credit card accounts and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate...
thisopportunity to assist you.Your complaint indicates that you submitted a payment in the amount of $573.19 on July 7,2015, and this payment never posted to your Meijer credit card account. You further indicatethat you have submitted ail the documentation that has been requested and still the paymenthas not posted to your account. We apologize for any inconvenience or misunderstanding youmay have experienced regarding this matter.Bank records indicate a response was mailed to you on August 20, 2015, requesting additionalinformation to locate your payment. I have attached a copy of this letter for your records.Please refer to the letter and provide the appropriate information in order to locate yourpayment.We hope you find thjs information to be helpful. If you have any additional questions orconcerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY #########).Sincerely,Rosa M[redacted]
Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband 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 ordered one pair of shoes (slippers) and three pairs of support socks. You further state that although you returned these items back in November, you continue to receive bills. You do not know why you are being charged for items which you have returned, and you have been receiving calls from the Bank. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the provided label for the return, your account is billed $9.99 for the cost of the return shipping. In the interest of customer service, we have issued credits totaling $169.49 to remove the late fees, finance charges, and shipping and handling charges from the account. Your account balance, as of today’s date is zero. Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report. Please allow the credit-reporting agencies 45 days to update their records. We hope you find this information helpful. If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext. 7293135 (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R[redacted] Consumer Relations Specialist
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above. Comenity Bank issues west elm credit card accounts, and we respond to account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to respond to your concerns. We understand from your complaint that you applied for a west elm credit card account in May of 2015 and you have not received a west elm credit card and you have never made any purchases on the west elm account. We also understand that you have disputed the charges and a new west elm account was established and the purchases were transferred to the new account. You are requesting the Bank remove the information from your credit report, and stop contacting you. I apologize for any inconvenience this matter may have caused you. Our records indicate that we received a similar complaint that was filed with the CFPB (Consumer Financial Protection Bureau) on August 9, 2015. We have enclosed our response for your records. On October 30, 2015, your west elm account ending in [redacted] was closed, and your west elm account ending in [redacted] was established and a credit card was sent to the address listed above. The bank has no record of receiving the credit card back as undeliverable. Your account ending in [redacted] has a balance of $3,980.47. As advised in our previous correspondence the Bank considers the balance on this account to be valid. 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] Tell us why here...
The letter written by "Ashley H[redacted]" of Pottery Barn stated that my 12 month promotional plan expires on 6/4/2016, the same day I made the transaction a year prior. Since I did not get my first bill until July with a due date of July 28, 2015, my 12-month promo plan should not be expire until July 28, 2016. Basically what she is saying that my first payment was due before I received the delivery with the invoice; therefore, making it a 11-month promo plan not a 12-month. I spoke with her via telephone and she stated that "is how their 12-month promotional plan works." I asked for her to send me a copy of my agreement and in the 27 page agreement she sent via pdf e-mail states:<How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.> This is on the first page. One page 8 of 27 under C. Learning under the third bullet states: <If a promotional credit plan is offered at the time your open your Account, this Agreement will include information about the terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.> In the duration I've been with this account I never received an "attachment of insert". In the response letter by "Ashley Hughes" she states that my plan was initially transferred on 7/3/15 making the due date 7/28/15 (according to the language in the agreement) before it was inexplicably changed on 8/3/15. Since I have no documentation that states the terms of the 12 month deferment program, I can only go by what the customer service representatives say on the phone. Because of my experience with the customer service reps have been less than transparent, I am not confident what they say will be delivered. Also, as mentioned before, I have never received an August statement. I would appreciate your assistance in helping me in this matter.
Regards,[redacted]
I am rejecting this response because: there was no specific month and/or date stating when it'll be current on the last letter sent to me. I understand that it'll take 45 days from the first complaint which was on April 28, 2017 to show current on my credit report. However, I want to make sure that the letter states the month that it should show current which was January, 2017. Thank you!
Regards,
[redacted]
Your company was contacted regarding a loan for Clear Choice dental procedure. Also,another company was also approved for the dental procedure.After two days, I had contacted Clear Choice and cancelled the procedure since it wasgoing to be so costly. After a month passed, I started receiving telephone calls from yourcompany and also the other company. I explained to both your company and the othercompany that the procedure had been cancelled and no dental work was done.The other company contacted Clear Choice and receive a refund of the money that waspaid for the dental work. Your company contacted Clear Choice and received all except athousand dollars refund. I have explained over and over to your company that the dentalprocedure was not done and no money from you was received by me personally.Clear Choice finally refunded the thousand dollars in June, 2015. But by then yourcompany had already started adding penalty and interest to the thousand dollars. Thethousand dollars was not received by me for dental work or any thing else.I have tried to explain to your company that the thousand dollars was not my debt. Sinceit has finally returned to you the penalty and interest should not continually being added.At the time in June, 2015 when the money was returned to you there was a total of about$93. Now the penalty and interest is $1,233.for money not used by me or Clear Choice.Now I am receiving collection called four and five times each day. Threats are beingmade. I have been told that this could be bad if I did not pay. Wanting to know the nameof my legal representative. It has come to the point of being harassed by your company. Itis interfering with my work.If someone in your company would actually look at the information, you can clearly seethat I do not owe this debt. I would like my account to corrected and closed. If anyadverse comments were made to any credit bureau, I would like those to also be removed.I want to make sure you have all the correct information. I did not have dental workdone. I had a free consultation with Clear Choice. Clear Choice should not havesubmitted paper work to you since I did not have the procedure done. Once you hadreceived a partial refund, and having the information that the procedure was not done, itshould have been your responsibility to ask why the remaining money was not returnedalso. The money was not received by me and was not used by me. There should be nopenalty and interest on this money since you received a refund of the total amount. But ifyou decide that it is due, it is not due from me, but Clear Choice.At no time during the FREE consultation did anyone make my kind of statement thatthere would be a charge for any examinations done that day. I had no actual dental workdone that dayClear Choice obtained the finance through your company and another company. Myemployer also uses financing for our product. However, the customer has to sign off onall the work being completed and completed to their satisfaction. I did not sign off on anywork being done.1/13/2015 $11,000 Was sent from your company to Clear ChoiceJan, 2015 $10,000 Was received back fiom Clear Choice $ 1,000 Would still be owed as a refund from Clear Choice4/24/2015 $ 1,000 Received from Clear Choice4/24/2015 $ 1. Finance charge refunded 0 That would leave a zero balance due. $ 96.28 Showing as fees and interestI have never used any of the original $11,000 for dental work. I never approved of ClearChoice submitted an invoice for work done to you. All of the original $11,000 wasreturned to you from Clear Choice. If any amount should be consider due, it would be the$96.28. However, the fees and interest should be due from Clear Choice since they arethe ones that actually received your money.Thank you for your time on this matter. Please no more telephone call and threats madeto me.SincerelyDon H[redacted]
Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret Angel credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to assist...
you.Your complaint states that while out of town you attempted to pay your bill from your cell phone and after several attempts, you were locked out of Account Center. You arrived home the same day and made the payment; however, the payment went through the following day. You tried to call Customer Care, but being that was on a Sunday they were closed. You called again and after speaking to a representative about the issue and requesting a late fee removed, we were unwilling to remove the fee. You closed your Victoria’s Secret Angel account but still have the late fees of $50.00 to pay.Bank records indicate that a billing statement was issued on December 23, 2014, and a minimum payment of $25.00 was due on January 18, 2015. You accessed the Bank’s Account Center on January 19, 2015, and made a $25.00 payment. As the payment was one day past the due date, your account was assessed a late fee.As explained in the Bank’s Credit Card Agreement, if a payment is not received, made for less than the minimum due, or made after the payment due date, your account will be assessed a late fee. As you had a late fee adjustment to your account in June 2014, less than 12 months prior, the representative was unwilling to credit an additional late fee.We understand that there may be times that prevent our customers from making the payment on time. As such, in the interest of customer service, we issued a credit for one late fee, totaling $25.00. This credit will appear on your next billing statement.We apologize for any inconvenience this matter may have caused you. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Bank issues your VICTORIA’S SECRET credit card account, and we are hereto help answer all account-related questions. Your complaint was forwarded to my attention,...
andI appreciate this opportunity to assist you.Your complaint states that although we closed your account, we are charging interest on the debtowed. You have requested the Bank to zero out the debt owed.Please find a summary of your account below. I have enclosed a copy of the account Credit CardAgreement (CCA), as well as copies of the monthly billing statements which show the accountactivity that comprised the account balance and delinquencies which are reporting to the creditbureaus.Bank records indicate the VICTORIA’S SECRET account was opened on April 15, 2015; use ofthe account, or failure to close the account within 30-days of receiving the CCA indicatesacceptance of the terms of the agreement, including the assessment of any finance charges andfees. The last purchase of $67.51 posted to your VICTORIA’S SECRET account on May 25,2015, and the last payment of $50.00 posted to the account on July 9, 2015. As of the date ofthis letter, your account has a balance of $692.02, with a minimum payment of $175.00 due byOctober 1, 2016. Your account is currently six billing periods past due. Should your accountexceed six consecutive billing periods past due, your account will be charged off for non-paymentand reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or ourCustomer Long-Term Workout Program. These programs can provide customers with specialterms in order to help bring the account current. If you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.Also, customers who are experienceing financial diffuculties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirements, andcould include all of your creditors. Comenity Bank supports and participates in the programsprovided by CCCS agencies. Should you wish to obtain information regrding their programs andfor a member agency located near you, please contact the National Foundation for CreditCounceling at ###-###-####.Please be advised that Comenity Bank finds the balance to be valid; therefore, we are unwillingto zero the balance.Furthermore, the address you provided in your complaint is different than the address we havelisted on your account. If this information needs to be changed to reflect the address noted above,please contact me.We hope this information is helpful. If you have any further questions or concerns, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
1. It took the bank 3 months to send me the paper bill. 2. As soon as I made the Revdex.com complaint, not only I received my bill but also the coupons which was not done previously.3. Yes the statement is available online but if the customer is not happy and is requesting a paperbill over and over again, it is bank's dunty to comply with the request, which apparently was not taken care of4. As I mentioned earlier, bank is very smart on blaming stuff on the postsl service. This shows that the customer i.e me is a liar and I refuse to take that tag.Regards, [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been unable to make a payment since November 3, 2017, due...
to loss of employment. You indicate your intention of paying off the debt, and request the Bank consider adjusting some of the late fees and finance charges that have been assessed. You also indicate you did not receive rewards available to Torrid cardholders, such as a discount on the first purchase.Thank you for contacting us to assist you with this account. Unfortunately, the account is ineligible for late fee and/or finance charge credits at this time. However, we want to share with you some options that are available to you in this type of situation.Options:• We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) 888-9265.• Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at (800) 388-2227.Regarding your concern about the benefits applied on previous purchases, please note Comenity Bank and Torrid are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Torrid is responsible for handling matters related to sales, merchandise processing, returns and shipping. For information and questions regarding the Torrid INSIDER Rewards program, refer to www.torrid.com/insider or call (877) 998-6774.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,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 11721477
I am rejecting this response because the balance transfer in the amount of -290.12 which was transferred to the account number [redacted] should be -290.12 not a charge of 290.12 and therefore it should not be treated as an amount I owe but as a credit in my behalf . This is simple math. It was not credited to my account on the transfer.
Regards,[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Roaman'sB credit card accounts, and we are here toassist you with all account-related questions. I appreciate the opportunity to respond to yourconcerns.We...
understand from your complaint that you believe your bill is incorrect, and you were sentdouble items. You have contacted Comenity Bank, with no resolve. You do not believe youowe a balance on the account, and you would like a letter stating we corrected your creditreport.Please note that Comenity Bank and Roaman's are two separate entities. The Bank isresponsible for addressing questions related to your credit card account. Roaman's isresponsible for handling matters related to sales, merchandise processing, returns andshipping.When merchandise is ordered from Roaman's, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handling. Roaman's does not refundshipping and handling charges when merchandise is returned. In addition, if the provided returnlabel is used to return the package, the return label fee is also charged to the account.Bank records indicate, you have placed multiple orders with Roaman's that you charged to yourRoarnan'sQ credit card account. Please keep in mind when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA).Our records indicate on March 11. 2013, we received your dispute, regarding the information inyour complaint. On March 25, 2103, we sent a response which is enclosed for your records.We have spoken with Roaman's on your behalf, and they have provided receipts which verifyyour purchases. The receipts are enclosed for your records, along with billing statements whichshow the account activity that comprised the account balance and delinquencies which werereported to the credit-reporting agencies.Please be advised, the Roaman'sB account was opened on March 22,2012. The last purchaseof $7.50 was made on May 6, 2013, and the last payment of $87.93 was received on March 21.2013. Since the account exceeded six consecutive billing cycles past due, the account wasclosed, written off, and reported to the national credit-reporting agencies as an unpaid debt of$310.90 on December 6, 2013. The Bank then sold the account to Portfolio Recovery onJanuary 20, 2015.Comenity Bank is required to report factual information to the national credit-reporting agencies.We have reviewed your account, and we find that the information reported is correct; as such,we are unwilling to remove the account from your credit report.As Portfolio Recovery is now the owner of this account, we ask that you contact them directly at###-###-####.If you have further questions regarding the charges applied to your account, please contactRoaman's at ###-###-####.I hope you found this information to be helpful. If you have any further questions, pleasecontact Portfolio Recovery at the number listed above.Sincerely,Amanda R[redacted]
Dear [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues TigerDirect credit card accounts, and we are here to assist with your account-related questions. Your complaint was...
forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that after opening the above-referenced account, you purchased insurance on the account, and that if something happens that you could not make your payments then the insurance could provide coverage. You also indicate in March 2015 you lost your income. At that time you placed a call requesting to use the insurance coverage, and you state you were told that there was nothing that could be done regarding this matter. You are requesting that the insurance coverage is honored. I am happy to share my findings with you. I attempted to find the call in question regarding the conversation regarding the insurance, unfortunately there were no calls in our system regarding this conversation. After a thorough review of the account, our records indicate that the above-referenced account was enrolled in Account Assure on September 21, 2014, and was cancelled on June 22, 2015. We reached out to [redacted], the program administrator of Account Assure regarding this matter and we were assured that you were covered for this period of time. Additionally, we were assured that they have not received any calls regarding this matter. Please contact [redacted] at ###-###-#### directly to determine if you are eligible for a benefit. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact [redacted] at the telephone number provided. They will be happy to assist you. Sincerely, Renee S[redacted]
August 31, 2017 *
[redacted] RE: Buckle Credit Card Account Ending In [redacted] Ref No.: [redacted] Dear [redacted]:...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with your concerns. You state in your correspondence that the account was assessed a late fee, as you were a few days late paying the balance in full. You contacted customer service and asked for the late fee to be removed as a courtesy and the request was denied as a late fee was credited once before. You then requested the account be closed. You received a statement with an additional late fee. You sent a written request to have the late fee removed and the request was denied. You received another statement and the balance had increased to $93.08, which is all late fees and interest. You are requesting the late fees and finance charges removed to bring the balance to zero and no adverse reporting. I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate a billing statement was issued April 14, 2017, with a balance of $157.98 and a minimum payment of $27.00 due by May 10, 2017. Due to no payment received by the due date, a late fee and finance charge were assessed to the balance. A billing statement was issued May 15, 2017, with a balance of $188.59 and a minimum payment of $37.00 due by June 10, 2017. A payment in the amount of $157.98 was received on May 17, 2017. A billing statement was issued June 14, 2017, with a balance of $31.61 and a minimum payment of $27.00 due by July 10, 2017. Due to no payment received a late fee and finance charge were assessed to the account. Additional billing statements were issued July 15, 2017, and August 15, 2017. Please be advised that the Bank fees assessed are valid. As such, we respectfully decline your request to remove the fees. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Although the account is closed per your request, we hope that you will continue to shop with Buckle. 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] Kaija M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com
(1) It addressed nothing I requested, not even a fax or email address;(2) It was disjunctive and obviously written by a non-native speaker of English, almost bot-like boilerplate. It makes me question whether I was even understood. Please escalate my complaint, addressing it to President's Office, Comenity Bank.
Dear [redacted]Comenity Bank (Bank) has received your additional correspondence regarding the abovereferencedaccount. Comenity Bank issues the Trek credit card. We are here to answer yourquestions and assist with your concerns.I understand from your additional correspondence that you previously submitted a complaint towhich the Bank responded and advised we needed time to investigate. However, you neverreceived any further communication from the Bank. Now you are unable to obtain a loan at thelowest rate due to the information the Bank is reporting to your credit bureau report.I apologize for any inconvenience or frustration this matter may have caused you.Please be assured our fraud investigation was completed and we determined you were notresponsible for the account. On April 24, 2017, the Bank submitted a request to the credit reportingagencies for the Trek credit card account to be deleted from your credit bureau report. When thisrequest is made it may take up to 45 business days to be completed. In the meantime, pleaseuse this letter as confirmation the account is being deleted from your credit report.We apologize you did not receive our previous letter confirming you were not responsible for theaccount.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]