Dear [redacted]:Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention,...
and I appreciate theopportunity to assist you.Your complaint states that your due date is on the 19th of each month and you have a direct withdrawalfrom your bank account; however, your payments are posted a day or two after the due date causing latefees to be assessed to your account. You are requesting that the late fees be waived. I understand yourconcerns and apologize for any inconvenience this may have caused.After reviewing your account, our records indicate that your due date is on the 19th of each month. Pleasebe advised that for the months of May 2015, July 2015, August 2015, October 2015, and November 2015,a late fee was assessed to your account because your payments were received after your due date.Although the Bank did not find any billing errors, in the interest of customer service, a total credit of$130.00 was previously issued to your account for the late fees that were assessed to your account forthe months of May 2015, July 2015, August 2015, and November 2015, and we are unwilling to issue anyadditional credits to your account.To avoid future late fees, you can schedule a payment online to be applied the same day as long as yousubmit the payment by 11:00 p.m. ET on your due date. If it is submitted after 11:00 p.m. ET, yourpayment will be applied the following business day. However, please be aware that you can alsoschedule your payment(s) 30 days in advance online.Additionally, payments can be sent by mail. If sending by mail, we encourage you to send the payment,along with the payment coupon, in the envelope that came with your billing statement. We recommendallowing a week for the payment to arrive.As of the date of this letter, the balance on your account is $15,281.22. Your next minimum payment of$891.00 is due on January 19, 2016.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. [redacted], (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Crate&Barrel 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 when you went to visit your daughter in Brooklyn in August of 2015, you visited a Crate&Barrel store and an account was established using your daughter’s address as you live in France; however, the incorrect address was entered and you did not receive your billing statements. You state you contacted the Bank in January and agreed to settle the balance with a payment of $233.85, with the understanding that the $59.00 in fees would be removed. However, additional fees continued to accrue and additional billing statements were sent to your daughter’s address. You are requesting that the Bank honor the January 7, 2016, settlement of $233.85, which has already been paid. Additionally, you request that we clear the balance, and close the account completely from your credit history. We apologize for any inconvenience this matter may have caused you. Our records indicate that when the account was opened on August 11, 2015, the address in our records did not have the apartment number. Please be assured that the address was updated in our records with the apartment number on October 19, 2015. We have enclosed copies of your statements for your review. The balance of $233.83 was billed on November 7, 2015, and was due by December 3, 2015. As no payment was received by the due date, a late fee and finance charge were assessed to the account in accordance with the Credit Card Agreement. Your payment of $233.83 was received on January 15, 2016. Please be assured that the Bank is not holding you responsible for the remaining balance, and credits totaling $304.02 have been applied to your account, to remove the previously assessed late fees and finance charges. Please be advised that with this adjustment the balance on your account is now zero. Per your request, we have closed your account. Additionally, we have sent notification to the national credit-reporting agencies to remove the negative payment information reported regarding the Crate&Barrel credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Ashley H[redacted] Consumer Relations Specialist CC: Revdex.com
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. As the bank that issues HSN credit card accounts, Comenity Capital Bank ishere to help with your account-related concerns. Your complaint was forwarded to my attention,and I appreciate the...
opportunity to assist you.I understand from the complaint that personal information regarding debt that you owe was beingprovided to unauthorized people on phone numbers that are not yours. You state that the Bankonly has permission to contact you at your phone number.Please be advised, when our records show an account as delinquent, we will make attempts tocontact the customer regarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to a current status. Dueto potential negative ramifications for our customers if an account remains delinquent, we maycall until our attempt to communicate is successful.The telephone calls placed to the telephone numbers ending in 0409 and 7010 were attempts bythe Bank to contact you on the above-referenced account regarding a business matter. The Bankhas honored your request to cease all phone calls to the telephone numbers ending in 0409 and7010.As of the date of this letter, your HSN account has an outstanding balance of $1,532.62, with aminimum payment of $464.00 due by September 12, 2016. The account is six billing cycles pastdue. If an account exceeds six consecutive billing cycles past due, the account will be written off,and reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. Your client 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 withspecial terms in order to help bring the account current. If you or Ms. Linder are interested inobtaining information on whether she qualifies for one of these programs, please call (800) 888-9265.Also, customers who are experiencing financial difficulties 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 requirement, andcould include all of Ms. Linder’s creditors. We support and participate in the programs providedby CCCS agencies. Should you or Ms. Linder wish to obtain information regarding their programs, and for a member agency located near her, please contact the National Foundation for CreditCounseling at (800) 388-2227.We value you as a customer, and appreciate the time you spent notifying us of your concerns.Should you have any further questions, please contact the Consumer Relations Department at 1-800-675-5685 (TDD/TTY 1-888-819-1918). I will be happy to assist you.Sincerely,Ashley R[redacted]Consumer Relations SpecialistCC: Revdex.com
We received your complaint regarding the
above-referenced account. Comenity Bank
issues Peebles credit cards, and we are here to help answer your
account-related questions. Your
complaint was forwarded to my attention, and I appreciate the opportunity to
assist you.We understand...
from your complaint that you feel
you are being harassed with telephone calls regarding payment due on the
account.Please note, when the Bank’s records show an
account as delinquent, the Bank will make attempts to contact you regarding the
status of the account. Many times a
payment is overlooked by the customer, and a reminder call is helpful to bring
the account back to a current status.
Due to potential negative ramifications for our customers if an account
remains delinquent, Comenity Bank may call you until our attempts to
communicate are successful. Bank records indicate your Peebles credit
card account is two billing periods past due.
Please note, should an account exceed six consecutive billing periods
past due, the account would be permanently closed and written off, due to
non-payment, and reported to the national credit reporting agencies as an
unpaid debt. 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 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 ###-###-####.Furthermore, the Bank
has noted your account to ensure that you are no longer called on the telephone
numbers ending in [redacted], and [redacted], per your request. If you would like to discuss payment options,
please contact our Payment Solutions team at ###-###-####.I hope the information I provided is
helpful. Should you have any further
questions or concerns about the account, please contact me at
###-###-####. I would be happy to
assist you. Sincerely,
hat's not was I was told at all and they are not being truthful when they say they do not offer any balance transfers at this time.. You have no real reason to deny me a balance transfer just like anyone else. My wife just recieved a balance transfer offer from you with 0% interest on her card. (Which I attached with this email.) Why would I have to wait until April as your last phone agent told me... Why would I be penalized for jumping through all your hoops just to be denied a normal function with your credit card.
Regards, [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Ms. [redacted] Thank you for your recent complaint regarding the account noted above. Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concerns. Your complaint, addressed to the Better Business...
Bureau, was forwarded to my attention and I appreciate the opportunity to assist you. I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase. You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase. Immediately after the sale, you wanted to pay the credit card off utilizing a gift card. You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment. You are requesting to use your gift card to pay for purchases and receive cash back on the item. I have reviewed you complaint, and would like to share my findings . Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose a payment method that's right for you: In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account today. Online payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Same day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representative. A fee applies to same-day payments made with the representative. In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificates. You may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars. I hope you find this information to be helpful. Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint,...
addressed to the Revdex.com, on behalf of your wife. Your state that you called the Bank to request that a late fee of $27.00 be removed from you wife’s account. You state during the conversation with the Bank you were advised that the Bank was unable to speak to you regarding this account due to you were not the accountholder on the account. At that time you advised that your wife was busy working and could not make the call. You requested to speak to a supervisor and was transferred at that time. During this conversation you were also told that due to you were not the accountholder on the account the Bank was unable to discuss the account with you and again was advised to have the accountholder reach out to the Bank to discuss the account. Please be advised that the Bank is unable to speak to you or make any changes on the account as you are not the primary accountholder. Please have your wife contact the Bank to discuss the account or request the late fee removal. 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, Renee S[redacted]
community bank was given false information. I was completely dissastified with the fact that they said I was satisfied and fully aware of terms and conditions, I am unable to access information via the web site,the fulfillment web page is invalid for details,
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. That being that they remove all late charges and interest and take me out of the credit bureau and I make the 34.00 payment in July 10th and continue my credit with them if this is how I understood it
[redacted]
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues Venus credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded to my attention for...
review, and I appreciate this opportunity to assist you. I understand your concerns regarding the delinquency reported to you credit bureau report for the months of August and September 2016. I also understand you are requesting to have your credit report updated due to not receiving your billing statement. The address on file is [redacted] and has been established on the account since May 13, 2016, when your account was opened. This address has been confirmed by the credit reporting agencies, as well as your complaint sent to the Revdex.com. We do not have record of mail ever being returned as undeliverable from the United States Postal Service. Bank records indicate a billing statement was issued on May 23, 2016, with a balance of $218.00, and a minimum payment of $27.00, due by June 18, 2016. A payment of $27.00 was received on June 22, 2016. Please be advised, the due date on your account is the 18th of every month. Additional billing statements were issued on June 22, 2016, July 23, 2016, and August 23, 2016; however, no payments were received by the specified due date. Enclosed please find copies of the billing statements for your records. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank finds no errors in its reporting of the Venus credit card account to the credit bureaus. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W[redacted], Compliance Dept. – Consumer Responses
Dear Ms. [redacted]: We received your additional inquiry in reference to the above mentioned credit card account. As the bank that issues Peebles credit card accounts, we are here to assist with all account-related concerns. Your correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from the correspondence, you previously requested validation of debt for the account, and you believe your Peebles accounts is reporting incorrectly as written off on your credit report. Please note, Bank records indicate the situation referenced in your complaint was already received with the complaint you submitted to the State of Delaware, Office of the State Bank Commissioner. This matter has been investigated and a response was previously issued on September 1, 2016, explaining our finds. We have enclosed a copy of our previous response for your records. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assistyou with account-related questions. Your complaint was forwarded to my attention, and...
I appreciatethe opportunity to respond to your concerns.We understand your concerns regarding the payment and the late fee to your VICTORIA’S SECRETaccount, we apologize for any frustration or inconvenience this matter may have caused you.After a thorough review of your account, our records indicate the payment due date on yourVICTORIA’S SECRET account is the 6th of every month. Please keep in mind, when payments arenot received, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee and finance charge, as explained in the Credit Card Agreement.Please be assured that Comenity Bank processes payments the date in which they are received; notthe date that is written on the date line of the check. Your payment of $80.00 was written out forNovember 6, 2016, and processed by Comenity Bank on November 11, 2016, per the enclosed copyof the check. As the payment was received after the payment due date, the account was assessed alate fee of $37.00. Additionally, the account number written on the bottom of the check was “lined” outand re-written at the top of the check, but did not hinder the processing of the payment.Although there are no Bank errors, in the interest of customer service, we issued credits totaling$37.13, for the previously assessed late fee and finance charge associated with the amount of the latefee. The credits will reflect on your December 2016 billing statement.We hope you find this information to be helpful. Should you have any further questions, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,Shawnda Y[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11944358, and find the resolution is satisfactory to me. It is unfortunate [redacted] wasn't able to correct this when I first inquired. I found the CEO's office very helpful.
Regards,
[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with yourconcerns.Your correspondence indicates you have been receiving numerous calls a day...
from the Bank, and whenyou return the call, you are asked to verify personal information. You consider this harassment and requestthe calls to stop.This letter is for informational purposes to respond to your correspondence and is not an attempt to collecton this balance. We understand your concern with providing your personal information. To ensure weprotect customer privacy, we will not release account information unless we verify the customer’s identity.We apologize for any frustration; however, please be assured this practice is designed to keep yourpersonal information safe.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation, and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status.The calls you were receiving were attempts by the Bank to contact you to resolve this matter before theaccount was sold to another creditor. Your account was charged off on October 15, 2017, due tononpayment, and was sold to [redacted] Credit on October 27, 2017.Since the Bank no longer owns your Buckle account, you should not receive any additional phone callsfrom us regarding this account. If you have any additional questions regarding this account please contact[redacted] Credit at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated February 2, 2018.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,Tionna M[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the DSW Rewards Visa credit card. We are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated September 28, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Better Business
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® credit card account. Comenity Bank issues fullbeauty® credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. We understand from the complaint that you ordered three items and returned all items. You ordered another item and paid for it in full. You dispute fees that the Bank has assessed to your account.. We have reviewed the issues in your complaint, and apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met. Our records indicate a purchase of $59.96 was made on April 1, 2016. Your April billing statement showed a minimum payment of $20.00 was due by May 11, 2016. We did not receive payment by the due date and the account was assessed a late fee of $20.00 and a finance charge of $2.00. On May 24, 2016, your account was credited $44.98 for a return. On May 31, 2016, the account was charged $42.98 for a purchase. When we do not receive a return for the full balance or the minimum payment due, the Bank will assess fees. On June 11, 2016, the account was assessed a late fee of $25.00. A finance charge of $2.00 was assessed when the June billing statement was mailed. Per your request, we removed the $25.00 late fee as a courtesy. Because payment was not received by the July due date a late fee of $30.00 and a finance charge of $2.52 were assessed. On July 27, 2016, we received a payment of $42.98. On August 1 and August 2, 2016, the account was given credit adjustments totaling $12.98. The August billing statement reflects a finance charge of $2.00 and a balance of $60.52 and a minimum payment of $20.00 due by September 11, 2016. In the interest of customer service we removed finance charges totaling $4.52 on August 22, 2016. On September 26, 2016, a credit adjustment of $9.99 was made. We received no further credits or payments and the account continued to be assessed late fees and finance charges. Our records show that you made multiple attempts to resolve this matter with our Customer Care team. As a courtesy, we have now removed all fees, creating a zero balance on the fullbeauty® account. The late status on the account resulted in the account being reported as past due to the national credit-reporting agencies. In addition, the credit limit had been lowered. Please be assured that we have contacted the national credit-reporting agencies with instructions to remove the derogatory information that was reported as a result of this issue. We have also reinstated the credit limit to $510.00 Please accept our sincere apology for any inconvenience you experienced. We hope you find this information helpful and that you will continue to shop with fullbeauty. Should you have any further questions or concerns, please contact me at ###-###-####). I will be happy to assist you. Sincerely, Gail M[redacted] Compliance Dept. – Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues BrylaneHome® credit card accounts, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your concerns.We understand...
from your complaint that you received a bill for $575.00 and paid via money order. Onceyou realized your credit limit was only $300.00, you contacted the bank so that we could look into it. Youlater received a check for $575.00 and, thinking it was your refund, cashed the check. You then receivedanother bill for $575.00 and contacted the Bank. We advised that the refund check was an error. Youdisputed this with the Bank and we requested that you provide us with proof of the payment, which you nolonger have. You believe you do not owe this money and would like it to be dismissed; however, ifnecessary, you are willing to pay the $575.00 without the interest. You are also requesting this informationbe removed from your credit bureau report.On your May 2, 2015, billing statement, we credited your account for $575.00, which created a creditbalance. As a result, a refund check for this amount was sent to you on June 4, 2015. We later discoveredthat the payment you were originally given credit for should have been applied to another account. Tocorrect this mistake, we debited your credit card account for $575.00, which is the amount of the refundcheck you received.If a payment of $575.00 is received within 90 days of the receipt of this letter, the Bank would be willing todelete this account, in its entirety, from your credit bureau report. Enclosed are the copies of your billingstatements for your records. You may mail your payments to the remittance address, or call me at thenumber below to pay by telephone, with a personal bank account or debit card.I hope this information is helpful. If you have any further questions regarding your accounts, please contactme at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda RayConsumer Relations SpecialistCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. THANK YOU SO VERY MUCH Renee S[redacted] for your detailed response. I am confident that you will handle this. Again, THANK YOU!!!!!
Regards, [redacted] And [redacted]
Dear [redacted]:Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we respond to all account-related questions. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention,...
and I appreciate theopportunity to assist you.Your complaint states that your due date is on the 19th of each month and you have a direct withdrawalfrom your bank account; however, your payments are posted a day or two after the due date causing latefees to be assessed to your account. You are requesting that the late fees be waived. I understand yourconcerns and apologize for any inconvenience this may have caused.After reviewing your account, our records indicate that your due date is on the 19th of each month. Pleasebe advised that for the months of May 2015, July 2015, August 2015, October 2015, and November 2015,a late fee was assessed to your account because your payments were received after your due date.Although the Bank did not find any billing errors, in the interest of customer service, a total credit of$130.00 was previously issued to your account for the late fees that were assessed to your account forthe months of May 2015, July 2015, August 2015, and November 2015, and we are unwilling to issue anyadditional credits to your account.To avoid future late fees, you can schedule a payment online to be applied the same day as long as yousubmit the payment by 11:00 p.m. ET on your due date. If it is submitted after 11:00 p.m. ET, yourpayment will be applied the following business day. However, please be aware that you can alsoschedule your payment(s) 30 days in advance online.Additionally, payments can be sent by mail. If sending by mail, we encourage you to send the payment,along with the payment coupon, in the envelope that came with your billing statement. We recommendallowing a week for the payment to arrive.As of the date of this letter, the balance on your account is $15,281.22. Your next minimum payment of$891.00 is due on January 19, 2016.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. [redacted], (TDD/TTY ###-###-####). Iwould be happy to assist you.Sincerely,Jenny W[redacted]
We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Bank issues Crate&Barrel 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 when you went to visit your daughter in Brooklyn in August of 2015, you visited a Crate&Barrel store and an account was established using your daughter’s address as you live in France; however, the incorrect address was entered and you did not receive your billing statements. You state you contacted the Bank in January and agreed to settle the balance with a payment of $233.85, with the understanding that the $59.00 in fees would be removed. However, additional fees continued to accrue and additional billing statements were sent to your daughter’s address. You are requesting that the Bank honor the January 7, 2016, settlement of $233.85, which has already been paid. Additionally, you request that we clear the balance, and close the account completely from your credit history. We apologize for any inconvenience this matter may have caused you. Our records indicate that when the account was opened on August 11, 2015, the address in our records did not have the apartment number. Please be assured that the address was updated in our records with the apartment number on October 19, 2015. We have enclosed copies of your statements for your review. The balance of $233.83 was billed on November 7, 2015, and was due by December 3, 2015. As no payment was received by the due date, a late fee and finance charge were assessed to the account in accordance with the Credit Card Agreement. Your payment of $233.83 was received on January 15, 2016. Please be assured that the Bank is not holding you responsible for the remaining balance, and credits totaling $304.02 have been applied to your account, to remove the previously assessed late fees and finance charges. Please be advised that with this adjustment the balance on your account is now zero. Per your request, we have closed your account. Additionally, we have sent notification to the national credit-reporting agencies to remove the negative payment information reported regarding the Crate&Barrel credit card account. Please allow the credit-reporting agencies 45 days to update their records. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Ashley H[redacted] Consumer Relations Specialist CC: Revdex.com
We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. As the bank that issues HSN credit card accounts, Comenity Capital Bank ishere to help with your account-related concerns. Your complaint was forwarded to my attention,and I appreciate the...
opportunity to assist you.I understand from the complaint that personal information regarding debt that you owe was beingprovided to unauthorized people on phone numbers that are not yours. You state that the Bankonly has permission to contact you at your phone number.Please be advised, when our records show an account as delinquent, we will make attempts tocontact the customer regarding the status of the account. Many times a payment is overlookedby the customer, and a reminder call is helpful to bring the account back to a current status. Dueto potential negative ramifications for our customers if an account remains delinquent, we maycall until our attempt to communicate is successful.The telephone calls placed to the telephone numbers ending in 0409 and 7010 were attempts bythe Bank to contact you on the above-referenced account regarding a business matter. The Bankhas honored your request to cease all phone calls to the telephone numbers ending in 0409 and7010.As of the date of this letter, your HSN account has an outstanding balance of $1,532.62, with aminimum payment of $464.00 due by September 12, 2016. The account is six billing cycles pastdue. If an account exceeds six consecutive billing cycles past due, the account will be written off,and reported to the national credit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactors. Your client 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 withspecial terms in order to help bring the account current. If you or Ms. Linder are interested inobtaining information on whether she qualifies for one of these programs, please call (800) 888-9265.Also, customers who are experiencing financial difficulties 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 requirement, andcould include all of Ms. Linder’s creditors. We support and participate in the programs providedby CCCS agencies. Should you or Ms. Linder wish to obtain information regarding their programs, and for a member agency located near her, please contact the National Foundation for CreditCounseling at (800) 388-2227.We value you as a customer, and appreciate the time you spent notifying us of your concerns.Should you have any further questions, please contact the Consumer Relations Department at 1-800-675-5685 (TDD/TTY 1-888-819-1918). I will be happy to assist you.Sincerely,Ashley R[redacted]Consumer Relations SpecialistCC: Revdex.com
We received your complaint regarding the
above-referenced account. Comenity Bank
issues Peebles credit cards, and we are here to help answer your
account-related questions. Your
complaint was forwarded to my attention, and I appreciate the opportunity to
assist you.We understand...
from your complaint that you feel
you are being harassed with telephone calls regarding payment due on the
account.Please note, when the Bank’s records show an
account as delinquent, the Bank will make attempts to contact you regarding the
status of the account. Many times a
payment is overlooked by the customer, and a reminder call is helpful to bring
the account back to a current status.
Due to potential negative ramifications for our customers if an account
remains delinquent, Comenity Bank may call you until our attempts to
communicate are successful. Bank records indicate your Peebles credit
card account is two billing periods past due.
Please note, should an account exceed six consecutive billing periods
past due, the account would be permanently closed and written off, due to
non-payment, and reported to the national credit reporting agencies as an
unpaid debt. 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 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 ###-###-####.Furthermore, the Bank
has noted your account to ensure that you are no longer called on the telephone
numbers ending in [redacted], and [redacted], per your request. If you would like to discuss payment options,
please contact our Payment Solutions team at ###-###-####.I hope the information I provided is
helpful. Should you have any further
questions or concerns about the account, please contact me at
###-###-####. I would be happy to
assist you. Sincerely,
hat's not was I was told at all and they are not being truthful when they say they do not offer any balance transfers at this time.. You have no real reason to deny me a balance transfer just like anyone else. My wife just recieved a balance transfer offer from you with 0% interest on her card. (Which I attached with this email.) Why would I have to wait until April as your last phone agent told me... Why would I be penalized for jumping through all your hoops just to be denied a normal function with your credit card.
Regards, [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Ms. [redacted] Thank you for your recent complaint regarding the account noted above. Comenity Bank issues dressbarn credit cards and we are here to help with your account-related questions and concerns. Your complaint, addressed to the Better Business...
Bureau, was forwarded to my attention and I appreciate the opportunity to assist you. I understand your from your complaint, you are questioning why dressbarn stores do not accept gift cards as a form of payment on a credit card purchase. You state, you recently purchased an item from dressbarn, and used your dressbarn credit card to obtain 25% off your purchase. Immediately after the sale, you wanted to pay the credit card off utilizing a gift card. You were advised by a dressbarn store associates, that gift cards are unable to be used to secure a credit card payment. You are requesting to use your gift card to pay for purchases and receive cash back on the item. I have reviewed you complaint, and would like to share my findings . Please note, page two (2) of your billing statement provides you with the following payment methods accepted by Comenity Bank: Choose a payment method that's right for you: In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account. Online: Online payments submitted before 6pm Eastern Time (ET) can be credited to your account today. Online payments submitted after 6pm ET will be credited the following business day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your dressbarn account. Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Same day payment: You may call us at the phone number on the back of your billing statement to speak to a customer care representative. A fee applies to same-day payments made with the representative. In addition, page two (2) of your billing statement also provides acceptable forms of payments: Do not send cash or gift certificates. You may pay your account by mailing your personal check, banker’s check, money order, or traveler’s check, payable in United States dollars. I hope you find this information to be helpful. Should you have additional questions or concerns about this issue, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Geanine M[redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint,...
addressed to the Revdex.com, on behalf of your wife. Your state that you called the Bank to request that a late fee of $27.00 be removed from you wife’s account. You state during the conversation with the Bank you were advised that the Bank was unable to speak to you regarding this account due to you were not the accountholder on the account. At that time you advised that your wife was busy working and could not make the call. You requested to speak to a supervisor and was transferred at that time. During this conversation you were also told that due to you were not the accountholder on the account the Bank was unable to discuss the account with you and again was advised to have the accountholder reach out to the Bank to discuss the account. Please be advised that the Bank is unable to speak to you or make any changes on the account as you are not the primary accountholder. Please have your wife contact the Bank to discuss the account or request the late fee removal. 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, Renee S[redacted]
community bank was given false information. I was completely dissastified with the fact that they said I was satisfied and fully aware of terms and conditions, I am unable to access information via the web site,the fulfillment web page is invalid for details,
Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. That being that they remove all late charges and interest and take me out of the credit bureau and I make the 34.00 payment in July 10th and continue my credit with them if this is how I understood it
[redacted]
Dear Ms. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues Venus credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded to my attention for...
review, and I appreciate this opportunity to assist you. I understand your concerns regarding the delinquency reported to you credit bureau report for the months of August and September 2016. I also understand you are requesting to have your credit report updated due to not receiving your billing statement. The address on file is [redacted] and has been established on the account since May 13, 2016, when your account was opened. This address has been confirmed by the credit reporting agencies, as well as your complaint sent to the Revdex.com. We do not have record of mail ever being returned as undeliverable from the United States Postal Service. Bank records indicate a billing statement was issued on May 23, 2016, with a balance of $218.00, and a minimum payment of $27.00, due by June 18, 2016. A payment of $27.00 was received on June 22, 2016. Please be advised, the due date on your account is the 18th of every month. Additional billing statements were issued on June 22, 2016, July 23, 2016, and August 23, 2016; however, no payments were received by the specified due date. Enclosed please find copies of the billing statements for your records. Comenity Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Bank finds no errors in its reporting of the Venus credit card account to the credit bureaus. I hope the information I provided is helpful. Should you have any further questions or concerns about the accounts, please contact me at ###-###-####. I would be happy to assist you. Sincerely, Kristina W[redacted], Compliance Dept. – Consumer Responses
Dear Ms. [redacted]: We received your additional inquiry in reference to the above mentioned credit card account. As the bank that issues Peebles credit card accounts, we are here to assist with all account-related concerns. Your correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from the correspondence, you previously requested validation of debt for the account, and you believe your Peebles accounts is reporting incorrectly as written off on your credit report. Please note, Bank records indicate the situation referenced in your complaint was already received with the complaint you submitted to the State of Delaware, Office of the State Bank Commissioner. This matter has been investigated and a response was previously issued on September 1, 2016, explaining our finds. We have enclosed a copy of our previous response for your records. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccount. As the bank that issues VICTORIA’S SECRET credit card accounts, we are here to assistyou with account-related questions. Your complaint was forwarded to my attention, and...
I appreciatethe opportunity to respond to your concerns.We understand your concerns regarding the payment and the late fee to your VICTORIA’S SECRETaccount, we apologize for any frustration or inconvenience this matter may have caused you.After a thorough review of your account, our records indicate the payment due date on yourVICTORIA’S SECRET account is the 6th of every month. Please keep in mind, when payments arenot received, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee and finance charge, as explained in the Credit Card Agreement.Please be assured that Comenity Bank processes payments the date in which they are received; notthe date that is written on the date line of the check. Your payment of $80.00 was written out forNovember 6, 2016, and processed by Comenity Bank on November 11, 2016, per the enclosed copyof the check. As the payment was received after the payment due date, the account was assessed alate fee of $37.00. Additionally, the account number written on the bottom of the check was “lined” outand re-written at the top of the check, but did not hinder the processing of the payment.Although there are no Bank errors, in the interest of customer service, we issued credits totaling$37.13, for the previously assessed late fee and finance charge associated with the amount of the latefee. The credits will reflect on your December 2016 billing statement.We hope you find this information to be helpful. Should you have any further questions, please feelfree to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy toassist you.Sincerely,Shawnda Y[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11944358, and find the resolution is satisfactory to me. It is unfortunate [redacted] wasn't able to correct this when I first inquired. I found the CEO's office very helpful.
Regards,
[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referenced accounts.Comenity Bank issues the Buckle credit card. We are here to answer your questions and assist with yourconcerns.Your correspondence indicates you have been receiving numerous calls a day...
from the Bank, and whenyou return the call, you are asked to verify personal information. You consider this harassment and requestthe calls to stop.This letter is for informational purposes to respond to your correspondence and is not an attempt to collecton this balance. We understand your concern with providing your personal information. To ensure weprotect customer privacy, we will not release account information unless we verify the customer’s identity.We apologize for any frustration; however, please be assured this practice is designed to keep yourpersonal information safe.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation, and work out payment arrangements to minimize any negative credit reporting. Many times apayment is overlooked, and reminder calls or payment discussions are helpful to bring the account back toa current status.The calls you were receiving were attempts by the Bank to contact you to resolve this matter before theaccount was sold to another creditor. Your account was charged off on October 15, 2017, due tononpayment, and was sold to [redacted] Credit on October 27, 2017.Since the Bank no longer owns your Buckle account, you should not receive any additional phone callsfrom us regarding this account. If you have any additional questions regarding this account please contact[redacted] Credit at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated February 2, 2018.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,Tionna M[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the DSW Rewards Visa credit card. We are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the...
ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated September 28, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Better Business
We received your complaint, addressed to the Revdex.com, regarding your fullbeauty® credit card account. Comenity Bank issues fullbeauty® credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...
opportunity to assist you. We understand from the complaint that you ordered three items and returned all items. You ordered another item and paid for it in full. You dispute fees that the Bank has assessed to your account.. We have reviewed the issues in your complaint, and apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met. Our records indicate a purchase of $59.96 was made on April 1, 2016. Your April billing statement showed a minimum payment of $20.00 was due by May 11, 2016. We did not receive payment by the due date and the account was assessed a late fee of $20.00 and a finance charge of $2.00. On May 24, 2016, your account was credited $44.98 for a return. On May 31, 2016, the account was charged $42.98 for a purchase. When we do not receive a return for the full balance or the minimum payment due, the Bank will assess fees. On June 11, 2016, the account was assessed a late fee of $25.00. A finance charge of $2.00 was assessed when the June billing statement was mailed. Per your request, we removed the $25.00 late fee as a courtesy. Because payment was not received by the July due date a late fee of $30.00 and a finance charge of $2.52 were assessed. On July 27, 2016, we received a payment of $42.98. On August 1 and August 2, 2016, the account was given credit adjustments totaling $12.98. The August billing statement reflects a finance charge of $2.00 and a balance of $60.52 and a minimum payment of $20.00 due by September 11, 2016. In the interest of customer service we removed finance charges totaling $4.52 on August 22, 2016. On September 26, 2016, a credit adjustment of $9.99 was made. We received no further credits or payments and the account continued to be assessed late fees and finance charges. Our records show that you made multiple attempts to resolve this matter with our Customer Care team. As a courtesy, we have now removed all fees, creating a zero balance on the fullbeauty® account. The late status on the account resulted in the account being reported as past due to the national credit-reporting agencies. In addition, the credit limit had been lowered. Please be assured that we have contacted the national credit-reporting agencies with instructions to remove the derogatory information that was reported as a result of this issue. We have also reinstated the credit limit to $510.00 Please accept our sincere apology for any inconvenience you experienced. We hope you find this information helpful and that you will continue to shop with fullbeauty. Should you have any further questions or concerns, please contact me at ###-###-####). I will be happy to assist you. Sincerely, Gail M[redacted] Compliance Dept. – Consumer Responses
We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues BrylaneHome® credit card accounts, and we are here to assist you with allaccount-related questions. I appreciate the opportunity to respond to your concerns.We understand...
from your complaint that you received a bill for $575.00 and paid via money order. Onceyou realized your credit limit was only $300.00, you contacted the bank so that we could look into it. Youlater received a check for $575.00 and, thinking it was your refund, cashed the check. You then receivedanother bill for $575.00 and contacted the Bank. We advised that the refund check was an error. Youdisputed this with the Bank and we requested that you provide us with proof of the payment, which you nolonger have. You believe you do not owe this money and would like it to be dismissed; however, ifnecessary, you are willing to pay the $575.00 without the interest. You are also requesting this informationbe removed from your credit bureau report.On your May 2, 2015, billing statement, we credited your account for $575.00, which created a creditbalance. As a result, a refund check for this amount was sent to you on June 4, 2015. We later discoveredthat the payment you were originally given credit for should have been applied to another account. Tocorrect this mistake, we debited your credit card account for $575.00, which is the amount of the refundcheck you received.If a payment of $575.00 is received within 90 days of the receipt of this letter, the Bank would be willing todelete this account, in its entirety, from your credit bureau report. Enclosed are the copies of your billingstatements for your records. You may mail your payments to the remittance address, or call me at thenumber below to pay by telephone, with a personal bank account or debit card.I hope this information is helpful. If you have any further questions regarding your accounts, please contactme at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788). I will be happy to assist you.Sincerely,Amanda RayConsumer Relations SpecialistCC: Revdex.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. THANK YOU SO VERY MUCH Renee S[redacted] for your detailed response. I am confident that you will handle this. Again, THANK YOU!!!!!
Regards, [redacted] And [redacted]