Ipribnlem is uve been in cintact with themnon the phone. I havent gitten anywheres and I am asking that all late fees be removed from...
the last yr and to be and adt and compromiae I half would be sufficient I guess even though im not at fault. On all 3 accounts bealls outlet, bealls fl, and boscovs. Seco d again asked numeroust imes to have date move. I receive bills late and think ok they finally changed date but no its still same date but they are mailing thehe bills late to make it look good and make mone yoff the late fees. Im trying to compromise here but they just want to get on the phone and dok nothing. As an adult and to be professional one more try I guess. But wohats the point when they can just do whats roght from herw
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bergner’s credit card. We are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the amountof $100.00. You state that you have contacted the Bank multiple times in regards to the refundcheck that you never received. Furthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following information. OnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $101.56. On September 27, 2016, we mailed a check to your attention to the followingaddress; 2217 South Koke Mill Road, Springfield, IL 62711, which was the address on youraccount at the time. The check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement line. We have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – C
Dear Jean S. M[redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you repeatedly called...
and asked for your pay off amount and for your credit card to be closed. The representative took your payment and confirmed the account was paid in full. However, the following three months you continued to receive a bill and each time you called you were told it was paid in full and closed. You now have paid $127.00 for your $30.00 jeans. You state there is a "late payment" on your perfect credit. You would like to get your $90.00 back. We have reviewed the concerns in your correspondence, and would like to provide you with the following information. Your original purchase was $59.32 on February 3, 2017. When no payment was made, the account was assessed a late fee, finance charge and an Account Assure fee. On May 5, 2017, you contacted the Bank and spoke with a Bank representative. You were advised a payment of $59.22 would satisfy your responsibility to the account, and were told the fees would be credited to remove the remaining balance. Unfortunately, proper adjustments were not made, which resulted in an additional billing statement being issued. You again contacted the Bank regarding the statement. You were told the balance of $9.01 would be removed from the account; however, it was not, and another billing statement was issued. You contacted the Bank and the representative removed the remaining balance. However, because proper account maintenance was not completed, a minimum finance charge of $1.00 was added to the account, along with a $0.01 Account Assure charge. A billing statement for $1.01 was issued and we received your payment of $1.01 on August 11, 2017. We apologize the account adjustments were not completed as promised. We are committed to providing the best customer service and are disappointed when this standard is not met. Please be assured management has been made aware of the situation so additional coaching can be provided to our associates. Please be advised we have accepted your payment of $59.22 as payment in full for your purchase of $59.32. A refund check of $1.01 has been issued to refund the payment the Bank received on August 11, 2017. This check should arrive in 7-10 business days in a separate mailing. Our records show your Avenue credit card account was closed on May 30, 2017, and reported to the national credit reporting agencies as “closed at customer’s request.” We have updated our records and have notified the credit reporting agencies to remove the delinquencies that were reported. This change should be reflected on your credit file within the next 45 business days. e hav e up date d o ur r eco rds a nd have notifi ed th e cr edit rep ortin g a gencie s of the c han ges t hat need to b e m ade to yo ur c redi t re por t. T his ch ang e sho uld b e r eflect ed o n yo ur c redit file withi n th e nex t 45 bu siness days. 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, Alyson F[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Jessica London® credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you ordered merchandise from Jessica London lastMarch. You received two credit cards, and you were confused as you only requested one card.You attempted to register both credit card numbers online to pay your bill, but it only acceptedone credit card, which you paid. You state you spoke with someone at Jessica London whoadvised that your balance, minus the fees, would be $21.50, which you have been trying to pay,but you state you have been refused. You are stating you will send a money order for $21.50.You want the remaining balance on the second account cleared, and your credit report updated.Please note Comenity Bank and Jessica London are two separate entities. The Bank issues andis responsible for addressing questions related to your credit card account. Jessica London isresponsible for handling matters related to sales, merchandise processing, returns and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandise. If merchandise is returned within 90 days, Jessica Londonwill refund the cost of the merchandise, but shipping and handling charges are not refundable. Ifyou use the Customer Return Label for your return, Jessica London will charge your account$7.50 when processing your return. Jessica London‘s return policy states:Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed ordefective merchandise may be returned within 90 days. We are happy to send you a new size,color or style or issue a refund for the purchase price (excluding shipping and handling charges).For returns made after 90 days, we will issue a gift card equal to the purchase price (less shippingand handling charges) that can be used toward a future purchase.Bank records indicate the Jessica London® account ending in 2538 was opened on March 8,2016, in the name of [redacted]. The last purchase of $84.95 was made on April 28,2016, and the last payment of $84.95 was received on June 6, 2016.The Jessica London® account ending in 9171 was opened on March 6, 2016, in the name of[redacted]. The last purchase of $51.98 was charged to the account on June 13, 2016,and the last payment of $21.50 was received on December 5, 2016. This account was apreapproval acceptance that was processed when you placed an order, which posted to youraccount on March 10, 2016. This account was closed, written off, and reported to the nationalcredit-reporting agencies as an unpaid debt of $282.35, on November 20, 2016.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement (CCA). I have enclosed copies of the billingstatements which show the account activity that comprised the balance on the accounts.After researching the accounts, the Bank finds the remaining balance on the account ending in[redacted] to be valid; as such, we respectfully decline your request to remove the balance.Comenity Bank is required by law to report factual data to the credit-reporting agencies with regardto account activity. At this time, Comenity Bank finds no errors in its reporting of your credit cardaccounts to the credit bureaus. Delinquent accounts typically will report for seven years from thedate the account first became delinquent.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear Mr. [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 Imports® creditcard accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and...
I appreciate the opportunity to respond to your concerns. We understand your concerns as noted in thecorrespondence that you were not receiving your billing statements due to anissue with your name and would like to have the negative reporting removed fromyour credit report. We apologize for theinconvenience and frustration you may have experienced due to this situation. Our records indicate that the Pier 1 Imports®account was opened on March 22, 2014, in the name of [redacted] withthe address listed above. Bank records indicate a billing statement wasissued on March 23, 2015, which reflected a balance of $2,462.35 with a minimumpayment of $123.00 due by April 18, 2014. A statement was issued on April 22, 2014, which reflected a balance of $2,692.31with a minimum payment of $258.00, due by May 18, 2014. Due to non-receipt of payment, late fees andfinance charges were assessed to the account in accordance to the Credit CardAgreement. In addition, we have no recordof the billing statements being undeliverable. On May 26, 2014, a credit of $60.00 wasapplied to your account to reverse the previously assessed late fees, and yourname was corrected on the account. Apayment of $2,669.87 was applied to your account on June 12, 2014, leaving theremaining balance of $99.51. As nofurther payments were received, late fees and finance charges continued to beassessed to the account. On October 29,2014, a credit for $239.54 was applied to your account removing the previouslyassessed finance charges and late fees, leaving a zero balance. In the interest of customer service,instructions were sent to the national credit-reporting agencies to delete thederogatory reporting for the above mentioned account. Please allow the credit reporting agencies 45days to update their records. We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concerns. I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you placed an order online and redeemed rewardcertificates, but the website went down before your order was completed. You called thecatalog's customer service department and they confirmed that the order never went through.but the rewards that were entered in this order are showing that they were redeemed. You wereadvised to contact Comenity Bank to look into the problem. You would like. your rewardsreissued, so you can use them.After researching the account, we have issued point credits that will result in the issuance ofrewards certificates as shown below. Please be advised, these certificates will be available inthe next 4-6 weeks.9 $10.00 in rewards on the ByrlaneHometD account- $10.00 in rewards on the Woman Withinn account $20.00 in rewards on the Full Beauty account.I hope that this information is helpful. Should you have any further questions regarding youraccounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist youSincerely,[redacted]Consumer Relations Specialist
Dear Mr. [redacted] We have received your additional complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® 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 you are disputing the balance of $275.52 as you state this merchandise was returned. You are requesting a full refund in the amount of $275.52. I am happy to share my findings. Bank records indicate that we responded to you, with all available enclosures, on October 22, 2015, November 12, 2015, and November 16, 2015. Please refer to our previous correspondence. As indicated in the previous response dated October 22, 2015, the Bank contacted Eddie Bauer regarding the merchandise return and we were advised that when Eddie Bauer received the small package, the package was filled with sand or cat litter. Because we are the issuer of the Eddie Bauer® credit card, we must rely on the information provided to us by Eddie Bauer. Eddie Bauer has not applied a credit to the account, as they state the merchandise was not returned. Additionally, as indicated in the previous response, please understand that Comenity Bank and Eddie Bauer are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Eddie Bauer is responsible for handling matters related to sales, merchandise processing, returns and shipping. To discuss the matter regarding your return, please contact them directly at ###-###-####. 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 the returned merchandise credit, please contact Eddie Bauer directly at the telephone number provided. They will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
January 16, 2017[redacted]RE: [redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced credit cardaccount....
Comenity Bank issues the [redacted] credit cards. We are here to answer yourquestions and assist with your concerns.Your complaint states that you were previously enrolled in the Hardship Program. On December16, 2016, you got a rude and professional call from the Bank about a past due payment. Youwere advised that you were terminated from the program, and are not eligible to enroll for a year.You claim that you were not notified of the termination, and that you explained you would pay$200.00 on December 24, 2016, to catch up the payments, as you typically paid $70.00 monthlyon the program. You also need to remain on the 10% interest rate. You state that you wereadvised that the program is federally regulated, that we could not place you back on the program,and you were asked to pay $81.00 to bring the account current. You believe the Bank wascounting on you to fail the program and charge you 27% interest versus 10%. You requested tohave your account notated with your complaint, but you were advised that there was no room towrite out the complaint, and you could write a letter to customer care. You want a lower interestrate since you were not informed about being removed from the program.After a thorough review of your account, I am happy to explain our findings.Bank records indicate that due to the loss of employment hours and income, you enrolled into theSix-Month Hardship Program on April 15, 2016. One of the conditions of the program was thatthe Annual Percentage Rate would be lowered to 10% during the program, and if you missed twoconsecutive or three total payments, your account would revert back to the original termsdisclosed in the Credit Card Agreement.On October 13, 2016, the Bank sent a letter advising that special terms were provided to youduring the program, and that the account would revert to the original terms if you failed to makethe payments, as explained in the initial agreement. In this letter, we advised you that the accountwas past due and you were in danger of not fulfilling your agreement due to the missedpayment(s), and we needed you to bring the account current immediately.As the Bank did not hear from you, and the account payments were missed for the Novemberand December 2016 due dates, the account was removed from the Hardship Program. A letter,notifying you of the termination was sent on December 12, 2016.Enclosed are copies of the letters mentioned above for your records.Please understand that your account is not currently eligible to be re-enrolled into the program.Also, the interest rate is currently 27.24%, which is the best rate for your credit card account atthis time.Furthermore, the Bank reviewed the applicable telephone calls. We apologize that you felt thetreatment you received was less than satisfactory. Comenity Bank strives to provide world-classservice, and we are disappointed when this does not occur. It is never our intention to cause acustomer a hardship.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at [redacted].Sincerely,[redacted] [redacted]
I have 4 pages of calls from Comenity showing that they still continued to call even after the Cease call from myself to them was made on 9//12/16 They continued to call all the way up to October 5th when the payment that WAS SCHEDULED thru Full Beauty website was made. So Comenity broke the Cease...
all calls request from myself and lied to the Revdex.com directly stating that no other calls were made. Please see the attached and the numerouse times a day that they called my house, NEVER leaving a message and just hanging up.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. But I shouldn't have to wait two billing cycles to get my $25 fee that they charged me back onto my account, as they had no problem within a matter of days putting it on there! So I find that a little silly,,but ok..I will check my statements, and hope that it does get refunded back.
Regards, [redacted]
Dear Ms. [redacted]Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Goody’s credit card accounts, we are here to assist with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, your Goody’s credit card account reflects a high balance of $235.00 on your credit bureau report. However, you have documented receipts confirming your Goody’s account was paid in full on December 31, 2015.Please be advised the Bank has reviewed the concerns in your complaint, and we are happy to share our findings with you.Bank records indicate the Goody’s account was opened on December 2, 2014. The last payment of $44.91, posted to the account on January 29, 2016, and the account has had a zero balance since that date.Please understand, the high balance shown on your credit bureau report is a reporting of the highest balance that has ever been owed on your account; it is a separate reporting from the current balance owed on the account. We apologize for the frustration or confusion this matter may have caused. Please be advised that Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank is accurately reporting your Goody’s credit card account with a zero balance, and finds no errors in its reporting to the credit bureaus.Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Chadwicks® credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respondto...
your concerns.We understand from your complaint that Comenity Bank processed an inquiry to your creditbureau report on February 11, 2015. You state you have never done business with our company,and you would like this account removed from your credit bureau report.In the interest of customer service, Comenity Bank will honor your request to remove the accountfrom your credit-reporting history. Notification was sent to the national credit-reporting agencieswith instructions to delete the Chadwicks® account, in its entirety, from your credit report. Pleaseallow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Regards, [redacted]
In your response, you indicated that both payments were returned because an incorrect account number was entered. Who entered the incorrect number? Your representatives. You never admitted fault nor offered any way to express your efforts to retain me as a customer.
Regards, [redacted]
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® 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 you lost your job near the end of November and you contacted the Bank and enrolled in a plan that would cover you should this happen. You indicate that you tried to pay and you are receiving calls 6-8 times a day. You state that you were offered a Hardship program of $10.00 on February 18, 2016. You also state that you made the payments for 6 months and later received a letter stating you still owed the Bank money. You are requesting the Bank not contact you again regarding these charges, you want your credit file to show a positive reporting, and the account to be credited of the balance. Please be assured that “do not call” has been placed on the telephone number ending in [redacted] The calls should have stopped by now. After a thorough review of the account, our records indicate that you enrolled in our Hardship program on February 23, 2016. What this means is for 12 months, the annual percentage rate would be reduced to 10%, the late fees would be suspended while enrolled in the program, and your payment would be reduced to 2% of your balance or $10.00, whichever is greater. Additionally, if these terms are not met the account would revert back to the original terms disclosed in the Credit Card Agreement. On August 23, 2016, a letter was sent to you advising you that in addition to the special terms while in this program, if you failed to make two consecutive minimum payments in a timely manner or were late on any three payments by the payment due date, your account would revert to the original terms. As the terms were not met, you did not successfully complete the Hardship Program and the account was reverted back to the original terms as disclosed in your Credit Card Agreement. Enclosed is a copy of this letter for your records. As of the date of this letter, the balance on the account is $391.03 with a minimum payment of $45.00 due on October 16, 2016, and the account is two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the credit-reporting agencies as an unpaid debt. The Bank find this balance to be valid. Please be advised, if you would like to discuss or set up suitable payment arrangements, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####). We have verified we are reporting the account correctly to the credit-reporting agencies. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity. 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 about your account, please contact our Payment Solutions team at the telephone number provided. The will be happy to assist you. Sincerely, Renee S[redacted]
April 26, 2017Jesus Perez3410 Nash StreetRiverside, CA 92501-1409RE: Victoria’s Secret Angel Credit Card Account Ending In 4683Wayfair Card Credit Card Account Ending In 2804Revdex.com Complaint ID #12110309Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accounts. We are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.com regarding this matter. As previously stated, the Bank is unable to reopen the accounts based on the information provided, as such, you would need to reapply. Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]_____________________________________________________________________...⇄ 21, 2017[redacted]Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit cardaccounts. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you applied for a Victoria’s Secret Angel and aWayfair Card account and you were approved. However, you later received a letter from the Bankasking for documentation, which you sent. After receipt of your documentation, your accountswere closed, and you were advised the accounts could not be reopened. You are requesting thatthe accounts be reopened. We understand your concerns and apologize for any frustration orinconvenience this matter may have caused you.Bank records indicate that based on the information you provided, the accounts were permanentlyclosed. We regret that we are unable to reopen your accounts; however, you may reapply.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the accounts, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. We understand your...
concerns as expressed in the correspondence. You state that when applying for alternate credit cards, you had a computer glitch that prevented you from canceling credit application(s). You also state that five hard inquiries were made to your credit report but we removed two of them, and you still have three showing. You are asking for the removal of the two inquiries and you state that customer service was rude and unhelpful. We reviewed our records and applicable telephone calls. We apologize if you felt the service received was less than satisfactory. Comenity Capital Bank strives to provide world-class service. It is never the Bank’s intention to cause a customer a hardship. We agree that during one call you were advised that we would update our information and the associate would send you a letter by email to confirm this. We apologize for the information you were provided, as this was not correct. Please be assured that we have taken the steps to coach our associate. The request that was submitted to have the credit inquiries removed from your credit file was denied and you were sent a letter, dated February 15, 2017. Enclosed is a copy of the letter for your records. Our records indicate that you applied for an Overstock Store account on December 12, 2012, and this account was not approved. The Bank is unwilling to request the deletion of the above mentioned credit inquiry as you did apply for the credit card 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]Compliance Dept. – Consumer Responses
Dear Mr[redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues HealthiPland credit accounts, and we are here to assistyou with all account-related questions. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you purchased a set of hearing aids from Miracle Ear with a 30-day money back guarantee. You state that you returned the hearing aids on the 28th day of the trialperiod, and at that time, you received a refund sheet with a serial number for the return. We furtherunderstand that the returned credit has not been applied to your HeaYhiPlan@ credit account. You wouldlike the credit to be applied to the account with no delinquencies reporled to the credit bureaus.Please note that Comenity Capital Bank and Miracle Ear are two separate entities. The Bank isresponsible for addressing questions related to the credit card account, while Miracle Ear is responsiblefor handling matters related to sales, merchandise processing, and returns.On your behalf, we contacted Miracle Ear, and their records indicate that a credit, in the amount of$3,930.00, was issued to the above-noted account on January 18, 2016, for the returned merchandise.Please note, as outlined in the Purchase Agreement, under the section titled 30-Day Money Back TrialPeriod, it states in the event of any cancellation and/or return, the merchant will retain a sum equal to15% of the invoiced purchase price. According to Miracle Ear, this fee of $480.00 is based on the lastpair of hearing aids purchased. Enclosed, please find a copy of the Purchase Agreement, and PurchaseSummary, for your review.Although there were no billing errors on behalf of the Bank, we have issued credits totaling $145.23 forthe previoGsly assessed finance charges and late fees. As of the date of this letter, the account balanceis $480.00.Comenity Capital Bank reports the same information to each of the national credit-reporting agencies. Arecent review of the information reporting in regard to your HealthiPlanQ account did indicate adiscrepancy. Please be assured that the credit-reporting agencies have been notified of the changes thatneed to be made. Please allow 45 days for the agencies to update their records.We hope you have found this information helphh. If you have any further questions, please contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Diamond L[redacted]
Ipribnlem is uve been in cintact with themnon the phone. I havent gitten anywheres and I am asking that all late fees be removed from...
the last yr and to be and adt and compromiae I half would be sufficient I guess even though im not at fault. On all 3 accounts bealls outlet, bealls fl, and boscovs. Seco d again asked numeroust imes to have date move. I receive bills late and think ok they finally changed date but no its still same date but they are mailing thehe bills late to make it look good and make mone yoff the late fees. Im trying to compromise here but they just want to get on the phone and dok nothing. As an adult and to be professional one more try I guess. But wohats the point when they can just do whats roght from herw
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bergner’s credit card. We are here to answer your questionsand assist with your concerns.We understand from your complaint that there was a credit balance on your account in the amountof $100.00. You state that you have contacted the Bank multiple times in regards to the refundcheck that you never received. Furthermore, you are requesting to have a new refund checkissued to you.We have reviewed your account and would like to provide you with the following information. OnSeptember 26, 2016, a refund check was requested for the credit balance on your account in theamount of $101.56. On September 27, 2016, we mailed a check to your attention to the followingaddress; 2217 South Koke Mill Road, Springfield, IL 62711, which was the address on youraccount at the time. The check was cashed through US Bank on October 17, 2016, bearing yoursignature on the endorsement line. We have verified that we sent the funds to US Bank to coverthat check on October 19, 2016, as such, we respectfully decline to issue another refund check.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – C
Dear Jean S. M[redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Avenue credit card. We are here to answer your questions and assist with your concerns. Your correspondence states you repeatedly called...
and asked for your pay off amount and for your credit card to be closed. The representative took your payment and confirmed the account was paid in full. However, the following three months you continued to receive a bill and each time you called you were told it was paid in full and closed. You now have paid $127.00 for your $30.00 jeans. You state there is a "late payment" on your perfect credit. You would like to get your $90.00 back. We have reviewed the concerns in your correspondence, and would like to provide you with the following information. Your original purchase was $59.32 on February 3, 2017. When no payment was made, the account was assessed a late fee, finance charge and an Account Assure fee. On May 5, 2017, you contacted the Bank and spoke with a Bank representative. You were advised a payment of $59.22 would satisfy your responsibility to the account, and were told the fees would be credited to remove the remaining balance. Unfortunately, proper adjustments were not made, which resulted in an additional billing statement being issued. You again contacted the Bank regarding the statement. You were told the balance of $9.01 would be removed from the account; however, it was not, and another billing statement was issued. You contacted the Bank and the representative removed the remaining balance. However, because proper account maintenance was not completed, a minimum finance charge of $1.00 was added to the account, along with a $0.01 Account Assure charge. A billing statement for $1.01 was issued and we received your payment of $1.01 on August 11, 2017. We apologize the account adjustments were not completed as promised. We are committed to providing the best customer service and are disappointed when this standard is not met. Please be assured management has been made aware of the situation so additional coaching can be provided to our associates. Please be advised we have accepted your payment of $59.22 as payment in full for your purchase of $59.32. A refund check of $1.01 has been issued to refund the payment the Bank received on August 11, 2017. This check should arrive in 7-10 business days in a separate mailing. Our records show your Avenue credit card account was closed on May 30, 2017, and reported to the national credit reporting agencies as “closed at customer’s request.” We have updated our records and have notified the credit reporting agencies to remove the delinquencies that were reported. This change should be reflected on your credit file within the next 45 business days. e hav e up date d o ur r eco rds a nd have notifi ed th e cr edit rep ortin g a gencie s of the c han ges t hat need to b e m ade to yo ur c redi t re por t. T his ch ang e sho uld b e r eflect ed o n yo ur c redit file withi n th e nex t 45 bu siness days. 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, Alyson F[redacted]
We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues Jessica London® credit card accounts, and we arehere to assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...
concerns.We understand from your complaint that you ordered merchandise from Jessica London lastMarch. You received two credit cards, and you were confused as you only requested one card.You attempted to register both credit card numbers online to pay your bill, but it only acceptedone credit card, which you paid. You state you spoke with someone at Jessica London whoadvised that your balance, minus the fees, would be $21.50, which you have been trying to pay,but you state you have been refused. You are stating you will send a money order for $21.50.You want the remaining balance on the second account cleared, and your credit report updated.Please note Comenity Bank and Jessica London are two separate entities. The Bank issues andis responsible for addressing questions related to your credit card account. Jessica London isresponsible for handling matters related to sales, merchandise processing, returns and shipping.When ordering merchandise by mail, you generally will be charged for shipping and handling aswell as the cost of the merchandise. If merchandise is returned within 90 days, Jessica Londonwill refund the cost of the merchandise, but shipping and handling charges are not refundable. Ifyou use the Customer Return Label for your return, Jessica London will charge your account$7.50 when processing your return. Jessica London‘s return policy states:Our goal is your complete satisfaction! If we have not delighted you, all unworn, unwashed ordefective merchandise may be returned within 90 days. We are happy to send you a new size,color or style or issue a refund for the purchase price (excluding shipping and handling charges).For returns made after 90 days, we will issue a gift card equal to the purchase price (less shippingand handling charges) that can be used toward a future purchase.Bank records indicate the Jessica London® account ending in 2538 was opened on March 8,2016, in the name of [redacted]. The last purchase of $84.95 was made on April 28,2016, and the last payment of $84.95 was received on June 6, 2016.The Jessica London® account ending in 9171 was opened on March 6, 2016, in the name of[redacted]. The last purchase of $51.98 was charged to the account on June 13, 2016,and the last payment of $21.50 was received on December 5, 2016. This account was apreapproval acceptance that was processed when you placed an order, which posted to youraccount on March 10, 2016. This account was closed, written off, and reported to the nationalcredit-reporting agencies as an unpaid debt of $282.35, on November 20, 2016.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement (CCA). I have enclosed copies of the billingstatements which show the account activity that comprised the balance on the accounts.After researching the accounts, the Bank finds the remaining balance on the account ending in[redacted] to be valid; as such, we respectfully decline your request to remove the balance.Comenity Bank is required by law to report factual data to the credit-reporting agencies with regardto account activity. At this time, Comenity Bank finds no errors in its reporting of your credit cardaccounts to the credit bureaus. Delinquent accounts typically will report for seven years from thedate the account first became delinquent.You are a valued customer and we apologize for any confusion or frustration this matter hascaused you. Should you have any further questions regarding your accounts, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.
Dear Mr. [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above. Comenity Bank issues Pier 1 Imports® creditcard accounts, and we respond to account-related questions. Your correspondence was forwarded to my attention,and...
I appreciate the opportunity to respond to your concerns. We understand your concerns as noted in thecorrespondence that you were not receiving your billing statements due to anissue with your name and would like to have the negative reporting removed fromyour credit report. We apologize for theinconvenience and frustration you may have experienced due to this situation. Our records indicate that the Pier 1 Imports®account was opened on March 22, 2014, in the name of [redacted] withthe address listed above. Bank records indicate a billing statement wasissued on March 23, 2015, which reflected a balance of $2,462.35 with a minimumpayment of $123.00 due by April 18, 2014. A statement was issued on April 22, 2014, which reflected a balance of $2,692.31with a minimum payment of $258.00, due by May 18, 2014. Due to non-receipt of payment, late fees andfinance charges were assessed to the account in accordance to the Credit CardAgreement. In addition, we have no recordof the billing statements being undeliverable. On May 26, 2014, a credit of $60.00 wasapplied to your account to reverse the previously assessed late fees, and yourname was corrected on the account. Apayment of $2,669.87 was applied to your account on June 12, 2014, leaving theremaining balance of $99.51. As nofurther payments were received, late fees and finance charges continued to beassessed to the account. On October 29,2014, a credit for $239.54 was applied to your account removing the previouslyassessed finance charges and late fees, leaving a zero balance. In the interest of customer service,instructions were sent to the national credit-reporting agencies to delete thederogatory reporting for the above mentioned account. Please allow the credit reporting agencies 45days to update their records. We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues the above-referenced credit card accounts, and weare here to assist you with all account-related questions or concerns. I appreciate theopportunity to...
respond to your concerns.We understand from your complaint that you placed an order online and redeemed rewardcertificates, but the website went down before your order was completed. You called thecatalog's customer service department and they confirmed that the order never went through.but the rewards that were entered in this order are showing that they were redeemed. You wereadvised to contact Comenity Bank to look into the problem. You would like. your rewardsreissued, so you can use them.After researching the account, we have issued point credits that will result in the issuance ofrewards certificates as shown below. Please be advised, these certificates will be available inthe next 4-6 weeks.9 $10.00 in rewards on the ByrlaneHometD account- $10.00 in rewards on the Woman Withinn account $20.00 in rewards on the Full Beauty account.I hope that this information is helpful. Should you have any further questions regarding youraccounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist youSincerely,[redacted]Consumer Relations Specialist
Dear Mr. [redacted] We have received your additional complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Eddie Bauer® 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 you are disputing the balance of $275.52 as you state this merchandise was returned. You are requesting a full refund in the amount of $275.52. I am happy to share my findings. Bank records indicate that we responded to you, with all available enclosures, on October 22, 2015, November 12, 2015, and November 16, 2015. Please refer to our previous correspondence. As indicated in the previous response dated October 22, 2015, the Bank contacted Eddie Bauer regarding the merchandise return and we were advised that when Eddie Bauer received the small package, the package was filled with sand or cat litter. Because we are the issuer of the Eddie Bauer® credit card, we must rely on the information provided to us by Eddie Bauer. Eddie Bauer has not applied a credit to the account, as they state the merchandise was not returned. Additionally, as indicated in the previous response, please understand that Comenity Bank and Eddie Bauer are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Eddie Bauer is responsible for handling matters related to sales, merchandise processing, returns and shipping. To discuss the matter regarding your return, please contact them directly at ###-###-####. 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 the returned merchandise credit, please contact Eddie Bauer directly at the telephone number provided. They will be happy to assist you. Sincerely, ...⇄ Renee S[redacted]
January 16, 2017[redacted]RE: [redacted]Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced credit cardaccount....
Comenity Bank issues the [redacted] credit cards. We are here to answer yourquestions and assist with your concerns.Your complaint states that you were previously enrolled in the Hardship Program. On December16, 2016, you got a rude and professional call from the Bank about a past due payment. Youwere advised that you were terminated from the program, and are not eligible to enroll for a year.You claim that you were not notified of the termination, and that you explained you would pay$200.00 on December 24, 2016, to catch up the payments, as you typically paid $70.00 monthlyon the program. You also need to remain on the 10% interest rate. You state that you wereadvised that the program is federally regulated, that we could not place you back on the program,and you were asked to pay $81.00 to bring the account current. You believe the Bank wascounting on you to fail the program and charge you 27% interest versus 10%. You requested tohave your account notated with your complaint, but you were advised that there was no room towrite out the complaint, and you could write a letter to customer care. You want a lower interestrate since you were not informed about being removed from the program.After a thorough review of your account, I am happy to explain our findings.Bank records indicate that due to the loss of employment hours and income, you enrolled into theSix-Month Hardship Program on April 15, 2016. One of the conditions of the program was thatthe Annual Percentage Rate would be lowered to 10% during the program, and if you missed twoconsecutive or three total payments, your account would revert back to the original termsdisclosed in the Credit Card Agreement.On October 13, 2016, the Bank sent a letter advising that special terms were provided to youduring the program, and that the account would revert to the original terms if you failed to makethe payments, as explained in the initial agreement. In this letter, we advised you that the accountwas past due and you were in danger of not fulfilling your agreement due to the missedpayment(s), and we needed you to bring the account current immediately.As the Bank did not hear from you, and the account payments were missed for the Novemberand December 2016 due dates, the account was removed from the Hardship Program. A letter,notifying you of the termination was sent on December 12, 2016.Enclosed are copies of the letters mentioned above for your records.Please understand that your account is not currently eligible to be re-enrolled into the program.Also, the interest rate is currently 27.24%, which is the best rate for your credit card account atthis time.Furthermore, the Bank reviewed the applicable telephone calls. We apologize that you felt thetreatment you received was less than satisfactory. Comenity Bank strives to provide world-classservice, and we are disappointed when this does not occur. It is never our intention to cause acustomer a hardship.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at [redacted].Sincerely,[redacted] [redacted]
I have 4 pages of calls from Comenity showing that they still continued to call even after the Cease call from myself to them was made on 9//12/16 They continued to call all the way up to October 5th when the payment that WAS SCHEDULED thru Full Beauty website was made. So Comenity broke the Cease...
all calls request from myself and lied to the Revdex.com directly stating that no other calls were made. Please see the attached and the numerouse times a day that they called my house, NEVER leaving a message and just hanging up.
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me. But I shouldn't have to wait two billing cycles to get my $25 fee that they charged me back onto my account, as they had no problem within a matter of days putting it on there! So I find that a little silly,,but ok..I will check my statements, and hope that it does get refunded back.
Regards, [redacted]
Dear Ms. [redacted]Thank you for contacting Comenity Bank regarding the above-referenced account. As the bank that issues Goody’s credit card accounts, we are here to assist with all account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to...
my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint, your Goody’s credit card account reflects a high balance of $235.00 on your credit bureau report. However, you have documented receipts confirming your Goody’s account was paid in full on December 31, 2015.Please be advised the Bank has reviewed the concerns in your complaint, and we are happy to share our findings with you.Bank records indicate the Goody’s account was opened on December 2, 2014. The last payment of $44.91, posted to the account on January 29, 2016, and the account has had a zero balance since that date.Please understand, the high balance shown on your credit bureau report is a reporting of the highest balance that has ever been owed on your account; it is a separate reporting from the current balance owed on the account. We apologize for the frustration or confusion this matter may have caused. Please be advised that Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank is accurately reporting your Goody’s credit card account with a zero balance, and finds no errors in its reporting to the credit bureaus.Should you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Bank issues Chadwicks® credit card accounts, and we are here toassist you with all account-related questions or concerns. I appreciate the opportunity to respondto...
your concerns.We understand from your complaint that Comenity Bank processed an inquiry to your creditbureau report on February 11, 2015. You state you have never done business with our company,and you would like this account removed from your credit bureau report.In the interest of customer service, Comenity Bank will honor your request to remove the accountfrom your credit-reporting history. Notification was sent to the national credit-reporting agencieswith instructions to delete the Chadwicks® account, in its entirety, from your credit report. Pleaseallow the credit-reporting agencies 45 days to update their records.I hope you find this information to be helpful. Should you have any further questions or concerns,please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Regards, [redacted]
In your response, you indicated that both payments were returned because an incorrect account number was entered. Who entered the incorrect number? Your representatives. You never admitted fault nor offered any way to express your efforts to retain me as a customer.
Regards, [redacted]
Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues avenue® 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 you lost your job near the end of November and you contacted the Bank and enrolled in a plan that would cover you should this happen. You indicate that you tried to pay and you are receiving calls 6-8 times a day. You state that you were offered a Hardship program of $10.00 on February 18, 2016. You also state that you made the payments for 6 months and later received a letter stating you still owed the Bank money. You are requesting the Bank not contact you again regarding these charges, you want your credit file to show a positive reporting, and the account to be credited of the balance. Please be assured that “do not call” has been placed on the telephone number ending in [redacted] The calls should have stopped by now. After a thorough review of the account, our records indicate that you enrolled in our Hardship program on February 23, 2016. What this means is for 12 months, the annual percentage rate would be reduced to 10%, the late fees would be suspended while enrolled in the program, and your payment would be reduced to 2% of your balance or $10.00, whichever is greater. Additionally, if these terms are not met the account would revert back to the original terms disclosed in the Credit Card Agreement. On August 23, 2016, a letter was sent to you advising you that in addition to the special terms while in this program, if you failed to make two consecutive minimum payments in a timely manner or were late on any three payments by the payment due date, your account would revert to the original terms. As the terms were not met, you did not successfully complete the Hardship Program and the account was reverted back to the original terms as disclosed in your Credit Card Agreement. Enclosed is a copy of this letter for your records. As of the date of this letter, the balance on the account is $391.03 with a minimum payment of $45.00 due on October 16, 2016, and the account is two billing cycles past due. If the account exceeds six billing cycles past due the account will be closed, written off and reported to the credit-reporting agencies as an unpaid debt. The Bank find this balance to be valid. Please be advised, if you would like to discuss or set up suitable payment arrangements, please contact our Payment Solutions team at ###-###-#### (TDD/TTY ###-###-####). We have verified we are reporting the account correctly to the credit-reporting agencies. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity. 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 about your account, please contact our Payment Solutions team at the telephone number provided. The will be happy to assist you. Sincerely, Renee S[redacted]
April 26, 2017Jesus Perez3410 Nash StreetRiverside, CA 92501-1409RE: Victoria’s Secret Angel Credit Card Account Ending In 4683Wayfair Card Credit Card Account Ending In 2804Revdex.com Complaint ID #12110309Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit card accounts. We are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.com regarding this matter. As previously stated, the Bank is unable to reopen the accounts based on the information provided, as such, you would need to reapply. Please find enclosed a copy of our response sent to you on April 20, 2017.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]_____________________________________________________________________...⇄ 21, 2017[redacted]Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccounts. Comenity Bank issues the Victoria’s Secret Angel and Wayfair Card credit cardaccounts. We are here to answer your questions and assist with your concerns.We understand from your correspondence that you applied for a Victoria’s Secret Angel and aWayfair Card account and you were approved. However, you later received a letter from the Bankasking for documentation, which you sent. After receipt of your documentation, your accountswere closed, and you were advised the accounts could not be reopened. You are requesting thatthe accounts be reopened. We understand your concerns and apologize for any frustration orinconvenience this matter may have caused you.Bank records indicate that based on the information you provided, the accounts were permanentlyclosed. We regret that we are unable to reopen your accounts; however, you may reapply.I hope you found this information to be helpful. Should you have any additional questions orconcerns about the accounts, please contact our Account Protection Team at ###-###-####.Sincerely,Jenny W[redacted]
Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. We understand your...
concerns as expressed in the correspondence. You state that when applying for alternate credit cards, you had a computer glitch that prevented you from canceling credit application(s). You also state that five hard inquiries were made to your credit report but we removed two of them, and you still have three showing. You are asking for the removal of the two inquiries and you state that customer service was rude and unhelpful. We reviewed our records and applicable telephone calls. We apologize if you felt the service received was less than satisfactory. Comenity Capital Bank strives to provide world-class service. It is never the Bank’s intention to cause a customer a hardship. We agree that during one call you were advised that we would update our information and the associate would send you a letter by email to confirm this. We apologize for the information you were provided, as this was not correct. Please be assured that we have taken the steps to coach our associate. The request that was submitted to have the credit inquiries removed from your credit file was denied and you were sent a letter, dated February 15, 2017. Enclosed is a copy of the letter for your records. Our records indicate that you applied for an Overstock Store account on December 12, 2012, and this account was not approved. The Bank is unwilling to request the deletion of the above mentioned credit inquiry as you did apply for the credit card 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]Compliance Dept. – Consumer Responses
I still paid last months payment on time and feel I should get a re-imbursement for the late fee I was charged when I wasn't late!
thanks, [redacted]
Dear Mr[redacted]We received your complaint, addressed to the Revdex.com, regarding the above-referencedcredit account. Comenity Capital Bank issues HealthiPland credit accounts, and we are here to assistyou with all account-related questions. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you purchased a set of hearing aids from Miracle Ear with a 30-day money back guarantee. You state that you returned the hearing aids on the 28th day of the trialperiod, and at that time, you received a refund sheet with a serial number for the return. We furtherunderstand that the returned credit has not been applied to your HeaYhiPlan@ credit account. You wouldlike the credit to be applied to the account with no delinquencies reporled to the credit bureaus.Please note that Comenity Capital Bank and Miracle Ear are two separate entities. The Bank isresponsible for addressing questions related to the credit card account, while Miracle Ear is responsiblefor handling matters related to sales, merchandise processing, and returns.On your behalf, we contacted Miracle Ear, and their records indicate that a credit, in the amount of$3,930.00, was issued to the above-noted account on January 18, 2016, for the returned merchandise.Please note, as outlined in the Purchase Agreement, under the section titled 30-Day Money Back TrialPeriod, it states in the event of any cancellation and/or return, the merchant will retain a sum equal to15% of the invoiced purchase price. According to Miracle Ear, this fee of $480.00 is based on the lastpair of hearing aids purchased. Enclosed, please find a copy of the Purchase Agreement, and PurchaseSummary, for your review.Although there were no billing errors on behalf of the Bank, we have issued credits totaling $145.23 forthe previoGsly assessed finance charges and late fees. As of the date of this letter, the account balanceis $480.00.Comenity Capital Bank reports the same information to each of the national credit-reporting agencies. Arecent review of the information reporting in regard to your HealthiPlanQ account did indicate adiscrepancy. Please be assured that the credit-reporting agencies have been notified of the changes thatneed to be made. Please allow 45 days for the agencies to update their records.We hope you have found this information helphh. If you have any further questions, please contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Diamond L[redacted]
no resolution was gives and I'm still dissatisfied with the out and the Finacial institution not considering my medical issues.
Regards, [redacted]