Dear [redacted] Thank you for contacting the Better BusinessBureau, regarding the above-mentioned application. Comenity Capital Bank issues My BJ’s PerksMasterCard® accounts, and we are here to help with your questions. Your correspondence...
was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding your application that was declined. After further research into your application,our records indicate that you were sent a letter asking that you contact theBank for further verification. This occurred because there is a fraud victimstatement listed on your credit bureau report. When you contacted us, you were asked a seriesof personal questions, in order to ensure you were the applicant. In order for us to open an account, a certainpercentage of these questions must be answered correctly. In your case, an insufficient number of questionswere answered correctly, and the application was unable to be approved. Unfortunately, for security reasons, we arenot able to release detailed information regarding the questions that were missed. Additionally, if you have further concerns regarding the fraud statement that is listed on your credit report, we ask that you contact the bureaus directly with your concerns. They may be reached using the following information: [redacted]If you are still interested in obtaining the My BJ’s Perks MasterCard® account, please reapply after September 14, 2015. We apologize for the frustration and inconvenience that you have experienced regarding this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you. Sincerely, Justina M[redacted]
[redacted]
Dear Ms. [redacted]We received your complaint sent to the Revdex.com regarding the above-referencedaccount. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here tohelp answer your account-related questions. Your complaint, was forwarded to my attention, andI...
appreciate the opportunity to assist you.Your complaint states that the Bank never sent you a billing statement and you were not awareof a balance on the account. As soon as you became aware, you made a payment in full and thelate fee was removed; however, the negative information was not removed from your credit file.You are asking the Bank to remove the negative information from your credit profile.Bank records indicate that you were sent billing statements to the address noted above, and wehave no record that these statements were returned by the post office. As a result of two missedpayment due dates; October 12 and November 12, 2015, the account was reported 30 daysdelinquent to the credit bureaus. Enclosed are copies of the billing statements for your records.Although we find this information to be valid, as a one-time courtesy, we have updated our recordsand have notified the credit-reporting agencies of the changes that need to be made to your creditreport. This change should be reflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. If youhave any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely, Shawnda Y[redacted]
Dear Ms. [redacted]:We received your complaint, addressed to the Revdex.com. regarding me account referencedabove. Comenity Bank issues Full Beauty credit card accounts, and we are here to assist you with allaccount-related questions or concerns. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you are disputing two charges on your Full Beauty account.You state that, even though your account was closed in August 2015, two orders have been processed tothe account, that are not your own. You further state Full Beauty refuses to communicate with you viatheir secure message center, and you do not want to speak on the telephone as you would have no wayto document the call. You would like the charges removed from your account.Please find the detailed account history below. I have enclosed a capy of the billing statements whichshow the account activity that comprised the account balance.Please understand that Comenity Bank and Full Beauty are two separate entities. Comenity Bank isresponsible for addressing questions related to Full Beauty credit card accounts, while Full Beauty isresponsible for handling matters related In sales, merchandise processing, returns, shipping, andmerchandise quality.Please also understand that BrylaneHomeO. Jessica London@, KingSie@, Roaman's@, Full Beauty, andWoman Withim allow cross shopping. This means that items ordered from one retailer may be dargedto any of the listed credit cards. For instance, a Woman Within catalog purchase may be charged to theFull Beauty credit card account and vice versa.I have spoken to Full Beauty on your behalf, and they verified your order details. Your charges wereprocessed on a 90-day deferred payment plan. Itemspurchased on a deferred billing plan are not addedto your credit card account balance until the prnmotional time period is complete. Deferred purchasesthat are returned during the deferment period will have he charge and credit processed at the time ofreturn, which may result in charges to your credit card prior to the expiration of the 90 day deferment.Catalog Clistomer Senrice was not contacted prior to the 85'"ay following the shipment of your purchaseto provide an alternate payment method. Therefore, your purchases were charged to the Full Beautyaccount which was provided when you submitted your orders. Comenity Bank will allow deferredpurchases to be charged to a closed account, as long as the purchases were made prior to date theaccount was closed.Our research shows these are Me following transactions that were posted to your Full Beauty account:I have reviewed your account as well as the applicable billing statements, and the Bank is able to confirmthat the charges applied to your credit card account correspond with the catalog's order infomlation.You are a valued customer, and w sincerery apologize for any frustration and inwnvenience this mattermay have caused you. Should you have any further questions or concerns, please do not hesitate tocontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,Amanda R[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the...
Bank regardingthis same matter. Please find enclosed a copy of our response sent to you on March 21, 2017.Please be advised that Bon-Ton would need to assist you with filing a claim through the UnitedStates Postal Service and/or FedEx, for the missing order.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the J.Crew credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence,...
submitted to the Revdex.com, that you paid off the J.Crew account on April 3, 2017. Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your request. You state that the Bank has added late fees and finance charges to the account. You are requesting all fees removed. Please be assured that credits totaling $64.02 have been applied to the account for the late fees and finance charges applied to the account. Additionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit file. Please allow 45 days for credit-reporting agencies to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
Dear Mr. [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...
appreciate the opportunity to assist you.I understand from your complaint, that you are receiving numerous calls from Comenity Bank inreference to your Lane Bryant Retail credit card account. You state that you have retainedChristian Debt Counseling service, who is issuing monthly payment installments to ComenityBank, and you are requesting that Comenity Bank stop calling you. We apologize for anyfrustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank has reviewed your account, and Bank records do notindicate that this account is being managed by a debt counseling company. If you would like toenroll your account in our debt management program, please contact them at:Comenity BankPO Box 1 82 1 24Columbus, OH 43218-2124###-###-####The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program. Thisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account current. If you are interested in obtaining information on whether you qualifyfor this program, please call ###-###-#### (TDD/TTY ###-###-####).Regarding the phone calls you have been receiving; please be advised that when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regardingthe status of the account. Many times a payment is overlooked by the customer, and areminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent, Cornenity Bank may call youuntil our attempt to communicate is successful.Please be advised that we have updated our records so you will no longer receive calls at thetelephone numbers ending in [redacted] and [redacted]I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact either of the phone numbers listed above. They will be happyto assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Shilpa Jagannathan: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the LOVELOFT credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that in...
September 2016, you made a purchase in the amount of $160.65. You state you paid $160.65, on September 6, 2016, as this was the balance you were informed to pay on this date. You state you called the Bank in November 2016 to close the account and were informed by customer service the balance was zero. You were not sent billing statements for the months of September 2016, through November 2016; however, you received a bill dated December 17, 2016, with a balance. You state the Bank now claims the account had a late payment charge since September 2016 and that you were sent billing statements for the above-referenced months. You request the Bank to accept our error and remove the delinquency reported from your credit report. I am happy to share my findings. The account shows that the billing statements were issued via postal mail. The Bank has no record of any correspondence being returned as undeliverable. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. When you contacted the Bank on September 6, 2016, to make the payment of $160.65, there was a pay by phone fee of $9.00. Typically, when a customer is paying the balance in full, the fee is included in the payment amount. However, the fee was not added to your payment; therefore, it was charged on the next bill. On November 8, 2016, when you returned the Bank’s call, the representative advised you the account was charged a late fee due to the pay by phone fee not being paid. Additionally, you were advised due to this matter, the balance of $34.00 would be credited and you would owe nothing further. You were then transferred to customer service to close the account. However, an adjustment was not made to bring the balance to zero and the account was assessed additional Bank fees. The payment in the amount of $54.00 posted to the account on December 16, 2016, which brought the balance to zero. Prior to this payment, the account was reported as 60 days past due. Due to the Bank’s error, we have credited the account $54.00 and issued a refund check of $54.00. Please allow 14 days to receive the refund, which will arrive under separate cover. In addition, we have removed the delinquencies reported for November 2016 and December 2016. Please allow the credit reporting agencies 45 days to update their records. We apologize for any inconvenience this matter may have caused you. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. We understand the concerns, as explained...
in your correspondence. You paid the account in full, were charged late fees, but only one fee could be credited. You are requesting to have the fees credited and the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. When payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee. After reviewing the account, our records indicate that a late fee credit was applied to the account on December 13, 2016. We respectfully decline to remove any additional late fees. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. We respectfully decline to remove any delinquencies. As of the date of this letter, the account balance is $127.36. 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, Tionna M[redacted] Tionna M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Limited 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 did not receive your billing statements for the months of October 2013, November 2013 and December 2013. You are requesting that the negative payment information be removed from your credit report. I am happy to share my findings with you. Please be assured that Comenity Bank has submitted a request to remove the negative credit reporting for the months of October 2014, November 2014 and December 2014. Please allow up to 45 days for the credit-reporting agencies to update their records. We value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the...
Revdex.com, that youmade a late payment on your account. At the time, you had just given birth to your son. You werereceiving statements; however, you avoided opening them. When you realized your payment wasdue, the account had already been reported late. You are requesting a courtesy removal of thereported delinquency.Congratulations on the birth of your son!We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.I hope you found this information to be helpful. If you have any questions or concerns, please feelfree to contact me at (800) 820-8932.Sincerely,Renee S[redacted]
We received your complaint, addressed to the Revdex.com, regarding your Stagecredit card account. Comenity Bank issues Stage credit card accounts, and we respond to allaccount-related questions and concerns. Your complaint was forwarded to my attention, and 1appreciate the opportunity to...
assist you.We understand from your complaint, you are receiving multiple calls from Comenity Bank. Youstate Comenity Bank is consistently calling to collect a debt of $80.00 that you do not owe. Youare requesting Comenity Bank discontinue the frequent calls.We apologize for any frustration this matter may have caused you. Please note, when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regarding thestatus of the account. Many times a payment is overlooked by the customer, and a reminder callis helpful to bring the account back to a current status. Due to potential negative ramifications forour customers if an account remains delinquent, Comenity Bank may call you until our attemptsto communicate are successful.Bank records indicate your June 2016 billing statement reflected a credit balance of $1 -87. YourJuly 2016 billing statement reflected a balance of $30.63, with a minimum payment of $27.00,due an August 11, 201 6, which consisted of the following activity:Better Homes & Gardens Magazines - $10.22Family Circle Magazine - $9.28Country Living Magazines - $13.00Your August billing statement reflected a balance of $64.50, with a minimum payment of $1 3.87,due on September 1 1, 201 6, which consisted of the following activity:Entertainment Weekly Magazine - $23.00Stage Stores Payment - $-I 8.1 3Late fee - $27.00Finance Charge - $2.00No further payments have been received on your account. Please keep in mind that whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee, as explained in the Credlt Card Agreement.As of the date of this letter, the balance on your account is $1 01.24, with a minimum payment of$25.87, due on November 1,2016. Please be advised, if you would like to cancel the magazinesubscriptions, you may do so by calling ###-###-####.Please note, the Stage credit card account is currently three billing periods past due. Should anaccount exceed six consecutive billing periods past due, the account would be permanentlyclosed and written off, due to non-payment, and reported to the national credit reporting agenciesas an unpaid debt.Please be assured that I have updated your Stage account to insure that you no longer receivecalls from Comenity Bank; however, you are responsible for the remaining balance, and monthlybilling statements will be issued until the balance has been paid in full.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact our Payment Solutions Department at ###-###-#### (TDDTTTY ###-###-####). They would be happy to assist you.Sincerelv. [redacted]Consumer Relations Specialist
Dear [redacted]: Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you contacted HSN regarding your dispute and were told that HSN does not handle the credit card. You state that you have been a victim of identity theft and are aware of who the perpetrator is. Furthermore, you state that Comenity Capital Bank has not cooperated with you in regards to a list of all of the purchases that have been made to your HSN credit card. Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Bank records indicate Comenity Capital Bank provided you with copies of the billing statements that show all of your purchases and the interest that has been charged to your HSN credit card on December 9, 2016. If you believe you have been a victim of identity theft, please contact our Account Protection (Fraud) team at ###-###-#### for assistance. Additionally, we strongly suggest that you place a fraud alert on your credit report. You may contact one of the credit-reporting agencies listed below to initiate the alert. Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M
Dear [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and...
Iappreciate the opportunity to assist you.1 understand from your complaint, that you placed an online order with Peebles. You receivedthree of the four items you ordered; however, your Peebles credit card account was billed forthe item you never received, which was a Mohawk-Rainbow Multicolored Striped Area Rug,order [redacted] totaling $127.20. You contacted both the Peebles catalogue as well asComenity Bank, and were advised that this order was cancelled on May 15, 2015, and thecharge for the area rug would be removed from your credit card. At the time of your complaint,the charge of $127.20 was still listed on your credit card account, and per your complaint, youare requesting a full refund of $127.20, credited back to your Peebles credit card account. Weapologize for any frustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank contacted Peebles online customer service on yourbehalf, and we were advised that order #[redacted] was cancelled due to the item no longerbeing in stock. The credit of $120.00 was applied to your Peebles credit card account on May21, 201 5, and the remaining balance of $7.20 was credited back to your credit card account onMay 28, 2015. Additionally, the Bank has applied a finance charge credit of $1.30. Please beadvised, your next billing statement will reflect these credits.You are a vatued customer, and we appreciate your business. I hope you find this informationto be helpful. Should you have additional questions or concerns about this matter, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.[redacted]Consumer Relations Specialist
Dear Ms. [redacted]:Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity...
to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your account. You state that you have been paying $300.00 a month andyou were surprised to see that you had two late fees added to your account. You are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every month. Your ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing period. Please be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is received. A latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagencies. On December 15, 2016, a late fee in the amount of $35.00 was credited to youraccount. In the interest of customer service, the additional late fees totaling $60.00 have beencredited to your account.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear[redacted] We received your additional complaint, addressed to the Revdex.com,regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respondto account-related questions. Your complaintwas forwarded to my attention, and I appreciate the opportunity to respond toyour concerns. We understand that you would like to be contacted by telephone to process yourpayment in full and close your account. Our records indicate that your payment of $66.72 was applied to your account onJune 22, 2015. Also, your account wasclosed per your request on June 22, 2015. A finance charge of $1.97 was applied to your account on June 20, 2015. In the interest of customer service, we haveremoved the finance charge for $1.97. With this adjustment the balance on your account is zero. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Ashley HughesConsumer Relations SpecialistTell us why here...
Dear [redacted]Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesGardner White credit card accounts, and we respond to all account-related inquiries. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I...
appreciate the opportunityto assist you.Your complaint states that the purchases you made in 201 3 and 2014 were placed on a 24 month interestfree plan; however, you were assessed the accrued interest for your purchases. Furthermore, you arerequesting the accrued finance charges be waived. I understand your concerns and I apologize for anyinconvenience or frustration this may have caused you.Our records indicate on February 15, 2013, a purchase of $1,500.00 posted to your account, Thispurchase was placed on a 24 Month Waived Interest, Equal Payments Required Plan, which wasscheduled to expire on February 27, 2015. Purchases on this plan will not assessed interest if thepurchase is paid in full before the end of the promotional period. At the end of the promotional period,any balance remaining on the plan is added to the regular revolving balance. The minimum monthlypayment calculations for this plan is less than the minimum monthly payment calculation for the regularrevolving balance (generally 1 %).Furthermore, on March 16, 2014, a purchase of $81.99 posted to your account and on March 17,2014, apurchase of $699.01 posted to your account. Both purchases were placed on a 12 Month DeferredInterest, 1% Payment Required Plan, which was scheduled to expire on March 17, 2015 and March 18,2015. For purchases on this plan, interest is accrued (calculated, but not added to the balance). If thebalance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, are added to the deferred balance, and this balance is moved to therevolving balance. This information appeared on your monthly billing statements, under the heading,'Details of your plans". 1 have enclosed your billing statements for your review.Upon further review, our records indicate that your payments are due on the 10'' of each month and as aresult of payments not being received or received after the due date, a late fee was assessed to youraccount for the months of May 2013, June 2013, April 2014, May 2014, June 2014, July 2014, November2014, December 2014, January 201 5, and March 201 5.Please be advised that a statement was issued to you on February 12, 2015, showing a balance of$884.00. Under the "Details of your plans" section, you were advised that the balance of $348.00, whichwas the remaining balance for the purchase of $1,500.00, needed to be paid by February 17, 2015, toavoid paying interest charges. As a result of this balance not being paid in full, the remaining balance of$285.00 was moved to your revolving balance. Please be advised that you were not assessed anyaccrued interest for this purchase; however, as a result of this balance being moved from a waivedinterest promotional plan to the revolving balance, finance charges would be assessed monthly, shouldthe balance not be paid in full. Additionally, the balance of $536.00, which is the remaining balance forthe purchase of $699.01, needed to be paid by March 18, 201 5, to avoid the accrued interest. As a resultof the balance not being paid in full by March 78, 2015, the accrued interest of $198.53 was assessed toyour account.Comenity Capital Bank has found no billing errors on your account, and we believe the informationprovided is accurate; therefore, we are unwilling to waive the accrued finance charge that was assessedto your account.As of the date of this letter, the account balance is $861.56.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. 7293241, (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted]. In spite of the extensive length of time it took to get an answer, and the fact that they suggest I return to the store of purchase for more info (they could not provide any insight and directed me to Customer Service in the first place), I am relieved to finally have an answer. [redacted]
Dear Ms. [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account related questions. The complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand that you are not satisfied with our previous resolution. You are requesting that the Bank delete the account from your credit profile, instead of updating the information, as you believe this leaves a negative impact on your credit profile. We are happy to explain our position.Comenity Bank is obligated to report factual data to the national credit-reporting agencies. As previously communicated, we found discrepancies in the reporting of the account and we submitted notification to Equifax to ensure the updates needed were corrected, as this is the credit bureau you indicated was reporting incorrect information. The Bank is unwilling to delete the account from your credit profile, as it is valid; however, please note that we submitted information to all credit-reporting agencies to ensure their records were updated. This may take 45 days for them to update their records.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information:Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-####PO Box 390 Springfield, PA 19064 - 0390 ###-###-####PO Box 740241 Atlanta, GA 30374 - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ Bank’s position remains unchanged.We apologize for any inconvenience or frustration this has caused you, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that on October 18, 2016,...
you made a purchase of $240.10 and you noticed that you were billed twice for the same amount. You state that you have had multiple interactions with Torrid and Torrid.com without success, and you have been advised to contact Comenity Bank. You state you are now receiving phone calls regarding a balance you do not owe. You would like for the duplicate charge to be investigated. We apologize for the inconvenience you have experienced regarding this matter. We have contacted Torrid, on your behalf, regarding duplicate charge of $240.10. Please be advised that credit for $240.10 has been issued to your account for the duplicate charge. In addition, the previously assessed late fees and interest charges in the amount of $94.59 have been removed from your account. Please be advised that the Bank will no longer contact you regarding the status of your Torrid account, as the balance on your account is now zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues your fullbeauty® credit card account, 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 paid off your account in 2015. You were charged a clubmembership fee that you never ordered plus minimum charges and late fees. You have attempted toresolve this with Comenity Bank. You are requesting a refund of $23.00.We have contacted fullbeauty on your behalf and their records indicate that you enrolled in the ShopperClub Membership during an online purchase June 23, 2013. The membership automatically renews perthe terms and conditions the customer’s agree to when subscribing to the membership.Additionally, we have contacted fullbeauty on your behalf and they have assured us that as of September23, 2016, your membership has been canceled, and a credit of $19.00 was processed to your account onSeptember 28, 2016.On October 28, 2016, credits totaling $23.00 were issued for the Bank fees assessed to the account. Asof the date of this letter, your account is closed and you have a credit balance of $23.00. We have requesteda refund be sent, that you should receive in 14 days, under separate cover.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau report. Please allow them 45 days toupdate their records.We sincerely apologize for the frustration and inconvenience this matter may have caused you. Shouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted] Thank you for contacting the Better BusinessBureau, regarding the above-mentioned application. Comenity Capital Bank issues My BJ’s PerksMasterCard® accounts, and we are here to help with your questions. Your correspondence...
was forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding your application that was declined. After further research into your application,our records indicate that you were sent a letter asking that you contact theBank for further verification. This occurred because there is a fraud victimstatement listed on your credit bureau report. When you contacted us, you were asked a seriesof personal questions, in order to ensure you were the applicant. In order for us to open an account, a certainpercentage of these questions must be answered correctly. In your case, an insufficient number of questionswere answered correctly, and the application was unable to be approved. Unfortunately, for security reasons, we arenot able to release detailed information regarding the questions that were missed. Additionally, if you have further concerns regarding the fraud statement that is listed on your credit report, we ask that you contact the bureaus directly with your concerns. They may be reached using the following information: [redacted]If you are still interested in obtaining the My BJ’s Perks MasterCard® account, please reapply after September 14, 2015. We apologize for the frustration and inconvenience that you have experienced regarding this matter. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you. Sincerely, Justina M[redacted]
[redacted]
Dear Ms. [redacted]We received your complaint sent to the Revdex.com regarding the above-referencedaccount. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here tohelp answer your account-related questions. Your complaint, was forwarded to my attention, andI...
appreciate the opportunity to assist you.Your complaint states that the Bank never sent you a billing statement and you were not awareof a balance on the account. As soon as you became aware, you made a payment in full and thelate fee was removed; however, the negative information was not removed from your credit file.You are asking the Bank to remove the negative information from your credit profile.Bank records indicate that you were sent billing statements to the address noted above, and wehave no record that these statements were returned by the post office. As a result of two missedpayment due dates; October 12 and November 12, 2015, the account was reported 30 daysdelinquent to the credit bureaus. Enclosed are copies of the billing statements for your records.Although we find this information to be valid, as a one-time courtesy, we have updated our recordsand have notified the credit-reporting agencies of the changes that need to be made to your creditreport. This change should be reflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. If youhave any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely, Shawnda Y[redacted]
Dear Ms. [redacted]:We received your complaint, addressed to the Revdex.com. regarding me account referencedabove. Comenity Bank issues Full Beauty credit card accounts, and we are here to assist you with allaccount-related questions or concerns. I appreciate the opportunity to respond to...
your concerns.We understand from your complaint that you are disputing two charges on your Full Beauty account.You state that, even though your account was closed in August 2015, two orders have been processed tothe account, that are not your own. You further state Full Beauty refuses to communicate with you viatheir secure message center, and you do not want to speak on the telephone as you would have no wayto document the call. You would like the charges removed from your account.Please find the detailed account history below. I have enclosed a capy of the billing statements whichshow the account activity that comprised the account balance.Please understand that Comenity Bank and Full Beauty are two separate entities. Comenity Bank isresponsible for addressing questions related to Full Beauty credit card accounts, while Full Beauty isresponsible for handling matters related In sales, merchandise processing, returns, shipping, andmerchandise quality.Please also understand that BrylaneHomeO. Jessica London@, KingSie@, Roaman's@, Full Beauty, andWoman Withim allow cross shopping. This means that items ordered from one retailer may be dargedto any of the listed credit cards. For instance, a Woman Within catalog purchase may be charged to theFull Beauty credit card account and vice versa.I have spoken to Full Beauty on your behalf, and they verified your order details. Your charges wereprocessed on a 90-day deferred payment plan. Itemspurchased on a deferred billing plan are not addedto your credit card account balance until the prnmotional time period is complete. Deferred purchasesthat are returned during the deferment period will have he charge and credit processed at the time ofreturn, which may result in charges to your credit card prior to the expiration of the 90 day deferment.Catalog Clistomer Senrice was not contacted prior to the 85'"ay following the shipment of your purchaseto provide an alternate payment method. Therefore, your purchases were charged to the Full Beautyaccount which was provided when you submitted your orders. Comenity Bank will allow deferredpurchases to be charged to a closed account, as long as the purchases were made prior to date theaccount was closed.Our research shows these are Me following transactions that were posted to your Full Beauty account:I have reviewed your account as well as the applicable billing statements, and the Bank is able to confirmthat the charges applied to your credit card account correspond with the catalog's order infomlation.You are a valued customer, and w sincerery apologize for any frustration and inwnvenience this mattermay have caused you. Should you have any further questions or concerns, please do not hesitate tocontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,Amanda R[redacted]
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Bon-Ton credit card. We are here to answer your questionsand assist with your concerns.We previously received and responded to your correspondence submitted to the...
Bank regardingthis same matter. Please find enclosed a copy of our response sent to you on March 21, 2017.Please be advised that Bon-Ton would need to assist you with filing a claim through the UnitedStates Postal Service and/or FedEx, for the missing order.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Diamond L[redacted]
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the J.Crew credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence,...
submitted to the Revdex.com, that you paid off the J.Crew account on April 3, 2017. Later, you received a letter of confirmation advising you of the zero balance on the account, and that the account had been closed per your request. You state that the Bank has added late fees and finance charges to the account. You are requesting all fees removed. Please be assured that credits totaling $64.02 have been applied to the account for the late fees and finance charges applied to the account. Additionally, please note that the Bank has sent notification to the national credit-reporting agencies to remove the delinquencies regarding the J.Crew account from your credit file. Please allow 45 days for credit-reporting agencies to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted]
Dear Mr. [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesLane Bryant Retail credit cards and we are here to help with your account-related questions andconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...
appreciate the opportunity to assist you.I understand from your complaint, that you are receiving numerous calls from Comenity Bank inreference to your Lane Bryant Retail credit card account. You state that you have retainedChristian Debt Counseling service, who is issuing monthly payment installments to ComenityBank, and you are requesting that Comenity Bank stop calling you. We apologize for anyfrustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank has reviewed your account, and Bank records do notindicate that this account is being managed by a debt counseling company. If you would like toenroll your account in our debt management program, please contact them at:Comenity BankPO Box 1 82 1 24Columbus, OH 43218-2124###-###-####The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program. Thisprogram provides customers with six to twelve months of special terms in order to bring andkeep the account current. If you are interested in obtaining information on whether you qualifyfor this program, please call ###-###-#### (TDD/TTY ###-###-####).Regarding the phone calls you have been receiving; please be advised that when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regardingthe status of the account. Many times a payment is overlooked by the customer, and areminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent, Cornenity Bank may call youuntil our attempt to communicate is successful.Please be advised that we have updated our records so you will no longer receive calls at thetelephone numbers ending in [redacted] and [redacted]I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact either of the phone numbers listed above. They will be happyto assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Shilpa Jagannathan: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the LOVELOFT credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that in...
September 2016, you made a purchase in the amount of $160.65. You state you paid $160.65, on September 6, 2016, as this was the balance you were informed to pay on this date. You state you called the Bank in November 2016 to close the account and were informed by customer service the balance was zero. You were not sent billing statements for the months of September 2016, through November 2016; however, you received a bill dated December 17, 2016, with a balance. You state the Bank now claims the account had a late payment charge since September 2016 and that you were sent billing statements for the above-referenced months. You request the Bank to accept our error and remove the delinquency reported from your credit report. I am happy to share my findings. The account shows that the billing statements were issued via postal mail. The Bank has no record of any correspondence being returned as undeliverable. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. When you contacted the Bank on September 6, 2016, to make the payment of $160.65, there was a pay by phone fee of $9.00. Typically, when a customer is paying the balance in full, the fee is included in the payment amount. However, the fee was not added to your payment; therefore, it was charged on the next bill. On November 8, 2016, when you returned the Bank’s call, the representative advised you the account was charged a late fee due to the pay by phone fee not being paid. Additionally, you were advised due to this matter, the balance of $34.00 would be credited and you would owe nothing further. You were then transferred to customer service to close the account. However, an adjustment was not made to bring the balance to zero and the account was assessed additional Bank fees. The payment in the amount of $54.00 posted to the account on December 16, 2016, which brought the balance to zero. Prior to this payment, the account was reported as 60 days past due. Due to the Bank’s error, we have credited the account $54.00 and issued a refund check of $54.00. Please allow 14 days to receive the refund, which will arrive under separate cover. In addition, we have removed the delinquencies reported for November 2016 and December 2016. Please allow the credit reporting agencies 45 days to update their records. We apologize for any inconvenience this matter may have caused you. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M[redacted] Kaija M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank previously issued The Limited credit card. We are here to answer your questions and assist with your concerns. We understand the concerns, as explained...
in your correspondence. You paid the account in full, were charged late fees, but only one fee could be credited. You are requesting to have the fees credited and the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. When payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee. After reviewing the account, our records indicate that a late fee credit was applied to the account on December 13, 2016. We respectfully decline to remove any additional late fees. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. We respectfully decline to remove any delinquencies. As of the date of this letter, the account balance is $127.36. 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, Tionna M[redacted] Tionna M[redacted] Compliance Dept. – Consumer Responses
Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Limited 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 did not receive your billing statements for the months of October 2013, November 2013 and December 2013. You are requesting that the negative payment information be removed from your credit report. I am happy to share my findings with you. Please be assured that Comenity Bank has submitted a request to remove the negative credit reporting for the months of October 2014, November 2014 and December 2014. Please allow up to 45 days for the credit-reporting agencies to update their records. We value you as a customer and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions regarding your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, [redacted] Consumer Relations Specialist
Dear [redacted]Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the...
Revdex.com, that youmade a late payment on your account. At the time, you had just given birth to your son. You werereceiving statements; however, you avoided opening them. When you realized your payment wasdue, the account had already been reported late. You are requesting a courtesy removal of thereported delinquency.Congratulations on the birth of your son!We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law.I hope you found this information to be helpful. If you have any questions or concerns, please feelfree to contact me at (800) 820-8932.Sincerely,Renee S[redacted]
We received your complaint, addressed to the Revdex.com, regarding your Stagecredit card account. Comenity Bank issues Stage credit card accounts, and we respond to allaccount-related questions and concerns. Your complaint was forwarded to my attention, and 1appreciate the opportunity to...
assist you.We understand from your complaint, you are receiving multiple calls from Comenity Bank. Youstate Comenity Bank is consistently calling to collect a debt of $80.00 that you do not owe. Youare requesting Comenity Bank discontinue the frequent calls.We apologize for any frustration this matter may have caused you. Please note, when the Bank'srecords show an account as delinquent, the Bank will make attempts to contact you regarding thestatus of the account. Many times a payment is overlooked by the customer, and a reminder callis helpful to bring the account back to a current status. Due to potential negative ramifications forour customers if an account remains delinquent, Comenity Bank may call you until our attemptsto communicate are successful.Bank records indicate your June 2016 billing statement reflected a credit balance of $1 -87. YourJuly 2016 billing statement reflected a balance of $30.63, with a minimum payment of $27.00,due an August 11, 201 6, which consisted of the following activity:Better Homes & Gardens Magazines - $10.22Family Circle Magazine - $9.28Country Living Magazines - $13.00Your August billing statement reflected a balance of $64.50, with a minimum payment of $1 3.87,due on September 1 1, 201 6, which consisted of the following activity:Entertainment Weekly Magazine - $23.00Stage Stores Payment - $-I 8.1 3Late fee - $27.00Finance Charge - $2.00No further payments have been received on your account. Please keep in mind that whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee, as explained in the Credlt Card Agreement.As of the date of this letter, the balance on your account is $1 01.24, with a minimum payment of$25.87, due on November 1,2016. Please be advised, if you would like to cancel the magazinesubscriptions, you may do so by calling ###-###-####.Please note, the Stage credit card account is currently three billing periods past due. Should anaccount exceed six consecutive billing periods past due, the account would be permanentlyclosed and written off, due to non-payment, and reported to the national credit reporting agenciesas an unpaid debt.Please be assured that I have updated your Stage account to insure that you no longer receivecalls from Comenity Bank; however, you are responsible for the remaining balance, and monthlybilling statements will be issued until the balance has been paid in full.I hope you find this information to be helpful. Should you have additional questions or concernsabout this issue, please contact our Payment Solutions Department at ###-###-#### (TDDTTTY ###-###-####). They would be happy to assist you.Sincerelv. [redacted]Consumer Relations Specialist
Dear [redacted]: Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you contacted HSN regarding your dispute and were told that HSN does not handle the credit card. You state that you have been a victim of identity theft and are aware of who the perpetrator is. Furthermore, you state that Comenity Capital Bank has not cooperated with you in regards to a list of all of the purchases that have been made to your HSN credit card. Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Bank records indicate Comenity Capital Bank provided you with copies of the billing statements that show all of your purchases and the interest that has been charged to your HSN credit card on December 9, 2016. If you believe you have been a victim of identity theft, please contact our Account Protection (Fraud) team at ###-###-#### for assistance. Additionally, we strongly suggest that you place a fraud alert on your credit report. You may contact one of the credit-reporting agencies listed below to initiate the alert. Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M
Dear [redacted]Thank you for your recent inquiry regarding the account noted above. Comenity Bank issuesPeebles credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and...
Iappreciate the opportunity to assist you.1 understand from your complaint, that you placed an online order with Peebles. You receivedthree of the four items you ordered; however, your Peebles credit card account was billed forthe item you never received, which was a Mohawk-Rainbow Multicolored Striped Area Rug,order [redacted] totaling $127.20. You contacted both the Peebles catalogue as well asComenity Bank, and were advised that this order was cancelled on May 15, 2015, and thecharge for the area rug would be removed from your credit card. At the time of your complaint,the charge of $127.20 was still listed on your credit card account, and per your complaint, youare requesting a full refund of $127.20, credited back to your Peebles credit card account. Weapologize for any frustration or inconvenience you have experienced as a result of this matter.Please be assured that Comenity Bank contacted Peebles online customer service on yourbehalf, and we were advised that order #[redacted] was cancelled due to the item no longerbeing in stock. The credit of $120.00 was applied to your Peebles credit card account on May21, 201 5, and the remaining balance of $7.20 was credited back to your credit card account onMay 28, 2015. Additionally, the Bank has applied a finance charge credit of $1.30. Please beadvised, your next billing statement will reflect these credits.You are a vatued customer, and we appreciate your business. I hope you find this informationto be helpful. Should you have additional questions or concerns about this matter, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.[redacted]Consumer Relations Specialist
Dear Ms. [redacted]:Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedaccount. Comenity Capital Bank issues ldeal lmage accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate thisopportunity...
to assist you.Your complaint indicates that you contacted our Customer Service Team regarding two late feesthat were charged to your account. You state that you have been paying $300.00 a month andyou were surprised to see that you had two late fees added to your account. You are requestingto have the late fees removed and also to correct your credit report.Bank records indicate that your due date is the 7ih of every month. Your ldeal lmage account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing period. Please be aware that any amount paid in excess of the minimumdue will be credited to your balance for the billing period in which that payment is received. A latefee will be assessed if the minimum payment amount is not received by the 7th of every month.To protect your account, please pay at least the minimum due indicated on your statement eachmonth.Comenity Capital Bank has not reported any negative payment history to the credit reportingagencies. On December 15, 2016, a late fee in the amount of $35.00 was credited to youraccount. In the interest of customer service, the additional late fees totaling $60.00 have beencredited to your account.I hope you found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]
Dear[redacted] We received your additional complaint, addressed to the Revdex.com,regarding the account referenced above. Comenity Bank issues Pottery Barn credit card accounts, and we respondto account-related questions. Your complaintwas forwarded to my attention, and I appreciate the opportunity to respond toyour concerns. We understand that you would like to be contacted by telephone to process yourpayment in full and close your account. Our records indicate that your payment of $66.72 was applied to your account onJune 22, 2015. Also, your account wasclosed per your request on June 22, 2015. A finance charge of $1.97 was applied to your account on June 20, 2015. In the interest of customer service, we haveremoved the finance charge for $1.97. With this adjustment the balance on your account is zero. We hope this information is helpful. Shouldyou have any other questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext [redacted] (TDD/TTY###-###-####). I will be happy to assist you. Sincerely, Ashley HughesConsumer Relations SpecialistTell us why here...
Dear [redacted]Thank you for the recent complaint regarding the above-noted account. Comenity Capital Bank issuesGardner White credit card accounts, and we respond to all account-related inquiries. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I...
appreciate the opportunityto assist you.Your complaint states that the purchases you made in 201 3 and 2014 were placed on a 24 month interestfree plan; however, you were assessed the accrued interest for your purchases. Furthermore, you arerequesting the accrued finance charges be waived. I understand your concerns and I apologize for anyinconvenience or frustration this may have caused you.Our records indicate on February 15, 2013, a purchase of $1,500.00 posted to your account, Thispurchase was placed on a 24 Month Waived Interest, Equal Payments Required Plan, which wasscheduled to expire on February 27, 2015. Purchases on this plan will not assessed interest if thepurchase is paid in full before the end of the promotional period. At the end of the promotional period,any balance remaining on the plan is added to the regular revolving balance. The minimum monthlypayment calculations for this plan is less than the minimum monthly payment calculation for the regularrevolving balance (generally 1 %).Furthermore, on March 16, 2014, a purchase of $81.99 posted to your account and on March 17,2014, apurchase of $699.01 posted to your account. Both purchases were placed on a 12 Month DeferredInterest, 1% Payment Required Plan, which was scheduled to expire on March 17, 2015 and March 18,2015. For purchases on this plan, interest is accrued (calculated, but not added to the balance). If thebalance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, are added to the deferred balance, and this balance is moved to therevolving balance. This information appeared on your monthly billing statements, under the heading,'Details of your plans". 1 have enclosed your billing statements for your review.Upon further review, our records indicate that your payments are due on the 10'' of each month and as aresult of payments not being received or received after the due date, a late fee was assessed to youraccount for the months of May 2013, June 2013, April 2014, May 2014, June 2014, July 2014, November2014, December 2014, January 201 5, and March 201 5.Please be advised that a statement was issued to you on February 12, 2015, showing a balance of$884.00. Under the "Details of your plans" section, you were advised that the balance of $348.00, whichwas the remaining balance for the purchase of $1,500.00, needed to be paid by February 17, 2015, toavoid paying interest charges. As a result of this balance not being paid in full, the remaining balance of$285.00 was moved to your revolving balance. Please be advised that you were not assessed anyaccrued interest for this purchase; however, as a result of this balance being moved from a waivedinterest promotional plan to the revolving balance, finance charges would be assessed monthly, shouldthe balance not be paid in full. Additionally, the balance of $536.00, which is the remaining balance forthe purchase of $699.01, needed to be paid by March 18, 201 5, to avoid the accrued interest. As a resultof the balance not being paid in full by March 78, 2015, the accrued interest of $198.53 was assessed toyour account.Comenity Capital Bank has found no billing errors on your account, and we believe the informationprovided is accurate; therefore, we are unwilling to waive the accrued finance charge that was assessedto your account.As of the date of this letter, the account balance is $861.56.We hope that this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. 7293241, (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
I reviewed the response made by the business in reference to complaint ID [redacted]. In spite of the extensive length of time it took to get an answer, and the fact that they suggest I return to the store of purchase for more info (they could not provide any insight and directed me to Customer Service in the first place), I am relieved to finally have an answer. [redacted]
Dear Ms. [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your account related questions. The complaint was forwarded to my attention, and I appreciate the opportunity to address your concerns.We understand that you are not satisfied with our previous resolution. You are requesting that the Bank delete the account from your credit profile, instead of updating the information, as you believe this leaves a negative impact on your credit profile. We are happy to explain our position.Comenity Bank is obligated to report factual data to the national credit-reporting agencies. As previously communicated, we found discrepancies in the reporting of the account and we submitted notification to Equifax to ensure the updates needed were corrected, as this is the credit bureau you indicated was reporting incorrect information. The Bank is unwilling to delete the account from your credit profile, as it is valid; however, please note that we submitted information to all credit-reporting agencies to ensure their records were updated. This may take 45 days for them to update their records.We understand that our customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to other potential creditors why the account became past due, and it may contribute to their decision. You may reach the credit bureaus by using the following information:Experian (TRW)TransUnion (TRU)Equifax (CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-####PO Box 390 Springfield, PA 19064 - 0390 ###-###-####PO Box 740241 Atlanta, GA 30374 - 024###-###-####http://www.experian.comhttp://www.transunion.comhttp://www.equifa...⇄ Bank’s position remains unchanged.We apologize for any inconvenience or frustration this has caused you, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted] Comenity Bank (Bank) has received correspondence regarding the above-noted account. Comenity Bank issues the Torrid credit card. We are here to answer your questions and assist with your concerns. We understand from the complaint that on October 18, 2016,...
you made a purchase of $240.10 and you noticed that you were billed twice for the same amount. You state that you have had multiple interactions with Torrid and Torrid.com without success, and you have been advised to contact Comenity Bank. You state you are now receiving phone calls regarding a balance you do not owe. You would like for the duplicate charge to be investigated. We apologize for the inconvenience you have experienced regarding this matter. We have contacted Torrid, on your behalf, regarding duplicate charge of $240.10. Please be advised that credit for $240.10 has been issued to your account for the duplicate charge. In addition, the previously assessed late fees and interest charges in the amount of $94.59 have been removed from your account. Please be advised that the Bank will no longer contact you regarding the status of your Torrid account, as the balance on your account is now zero. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Ashley H[redacted]
Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues your fullbeauty® credit card account, 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 paid off your account in 2015. You were charged a clubmembership fee that you never ordered plus minimum charges and late fees. You have attempted toresolve this with Comenity Bank. You are requesting a refund of $23.00.We have contacted fullbeauty on your behalf and their records indicate that you enrolled in the ShopperClub Membership during an online purchase June 23, 2013. The membership automatically renews perthe terms and conditions the customer’s agree to when subscribing to the membership.Additionally, we have contacted fullbeauty on your behalf and they have assured us that as of September23, 2016, your membership has been canceled, and a credit of $19.00 was processed to your account onSeptember 28, 2016.On October 28, 2016, credits totaling $23.00 were issued for the Bank fees assessed to the account. Asof the date of this letter, your account is closed and you have a credit balance of $23.00. We have requesteda refund be sent, that you should receive in 14 days, under separate cover.Please be assured, notification has been sent to the national credit-reporting agencies with instructions todelete the negative payment information from your credit bureau report. Please allow them 45 days toupdate their records.We sincerely apologize for the frustration and inconvenience this matter may have caused you. Shouldyou have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Amanda R[redacted]