Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. You state the Bank has reported the above-referenced account to the credit reporting agencies as being more than 30 days past due, which is not true. You further state you paid this account in full several days before it was reported as late. You are requesting to have your credit report corrected to reflect as not late with a zero balance. We have reviewed your account and we are happy to share our findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement. Additionally, if an account is two or more billing periods past due, the delinquency may be reported to the credit reporting agencies. On March 9, 2017, a billing statement was issued reflecting a balance of $542.26, and a minimum payment of $28.00, due by April 4, 2017. A payment of $30.00 posted to the account on April 6, 2017. On April 8, 2017, a billing statement was issued reflecting a balance of $551.68, and a minimum payment of $28.00, due by May 4, 2017. As no payment was received, the account fell one billing period past due. On May 9, 2017, a billing statement was issued reflecting a balance of $975.07, and a minimum payment of $77.00, due by June 4, 2017. A payment of $77.00 posted to the account on May 16, 2017; however, as the payment was returned from your financial institution due to insufficient funds, a debit of $77.00 posted to the account on May 24, 2017. As a result, the account fell two billing periods past due, and was reported to the credit bureaus as a 30 day delinquency. On June 10, 2017, a payment of $1,034.21 posted to the account, and resulted in a zero balance. We understand your concern regarding your credit report. We have verified we are reporting the account payment information correctly to the credit reporting agencies, as we are required by law. On June 22, 2017, we sent a request to the credit reporting agencies to update the reporting of the account to reflect a zero balance. Please allow up to 45 days for the 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, Laura R[redacted] Compliance Dept. – Consumer Responses
Comenity Bank has received your complaint regarding the above-referenced account. Comenity Bank issues the PINK credit card account. We are here to answer your questions and assist with your concerns. We understand from your correspondence that you and your son-in-law each had...
$10.00 birthday coupons. You both attempted to use them on purchases at the retailer and were told that in order to use them you had to make a purchase for more than $10.00. You are asking that we issue $20.00 in gift certificates to compensate you both for not being allowed to use the two birthday coupons. Please understand that Comenity Bank and VICTORIA’S SECRET are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while the retailer is responsible for handling matters related to sales, merchandise processing, returns, and shipping. We apologize that you were unable to use your $10.00 birthday coupon in the store for your purchase. It is never our intention for a customer to be treated in a less than satisfactory manner. As a courtesy we have adjusted your account with a $10.00 credit that will be arriving to your home in a form of a check within the next 14 business days. In regard to your son-in-law having had a similar customer experience, he would need to contact the Bank directly on his own behalf for further assistance. 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
I have filled all forms attached in the previous responding emails from Comenity Bank and mailed them back to the address provided.Here are the copies.
Dear Mr. [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our...
deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.After reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK 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.Your complaint states that you paid your bill on the correct day and we are sending claims that the payment did not process. You also state that fraudulent payments are trying to be received. You would like the account to be credited the correct amount.Bank records indicate that you scheduled an online payment for $83.16 on May 6, 2015. On May 12, 2015, this payment was returned by your financial institution due to insufficient funds. As such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $25.00 returned payment fee. On May 13, 2015, you scheduled an additional payment online for $156.36, and this payment was returned on May 19, 2015, by your financial institution due to insufficient funds. As such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $25.00 returned payment fee. Additionally, because of the two returned payments in the last 90 days, your charging privileges have been suspended.If you believe that you are a victim of fraud regarding your banking account, we encourage you to contact your financial institution and file a fraud claim so that they can investigate on your behalf. If they find that the payments stated above were fraud, please have your financial institution send us a letter to the address listed above, or send by fax to my attention at ###-###-####. After receiving, we would be happy to remove the returned payment fees and reinstate your Victoria’s Secret/PINK account.Additional review of your account reflects that you made a fraud claim on December 31, 2014, stating that you never made a purchase of $182.62 by catalogue. The Bank’s Account Protection team investigated your claim of fraud, Fraud Case #[redacted]. They concluded that you were responsible for the charge(s), as the order was shipped to your address listed in this complaint and you used the email address listed on your account. However, they did establish you with a new Victoria’s Secret/PINK credit card account ending in [redacted]We hope this information is helpful. Should you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Ms. [redacted]: Thank you for your recent complaint regarding the My BJ’s Perks™ MasterCard® account. Comenity Capital Bank issues My BJ’s Perks™ MasterCard® accounts, and we are here to help with your account-related questions. I appreciate this opportunity to address your...
concerns. We understand from the complaint that you made a settlement agreement with the Bank in April 2015 with payments being scheduled through January 2016. In February 2016, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due. You are requesting that the account is reported as paid in full. We apologize for any frustration or inconvenience you may have experienced as a result of this matter. Bank records indicate that on April 7, 2015, ten equal payments of $193.00 were scheduled for April 7, 2015, through January 7, 2016, to settle the account balance. Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debt. Please be assured that we have updated our records to reflect the account as paid in full for less than the full balance. Additionally, this information has been sent to the national credit-reporting agencies. Please allow 45 days for them to update their records. In the meantime, please use this letter to confirm that the account has been settled, and no balance is due. We hope this information has been helpful. If you need assistance with your account, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]
Dear Ms. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedapplication. Comenity Capital Bank issues El Dorado credit card accounts, and werespond to all account-related questions. Your compliant was forwarded to my attention, and 1appreciate this...
opportunity to assist you.Your complaint states that you applied for an El Dorado credit card and you were denied. Youfurther indicate that you contacted Experian, and they have confirmed your correct address islisted on your credit report. Furthermore you indicate that you have lived at the address listedabove since 2005, you are requesting we reconsider your application.We apologize for any frustration or inconvenience you may have experienced because of thismatter. Per your correspondence, we have reviewed the information submitted with your Revdex.comcomplaint. With the information provided we were able to override the information showing onyour credit report and approve your application.Congratulations, you have been approved for an El Dorado credit card account with $8,500.00available credit. You will receive a welcome kit which includes your credit card at the addresslisted above within seven to ten business days.We hope you find this information helpful. If you have any further questions please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-#### ). I will be happy to assist you.Sincerely,Rosa M[redacted]
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankissues Ideal Image® VIP credit accounts, and we are here to help with account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...
appreciate the opportunity to respond to your concerns.Your complaint states that a refund check was issued to you on December 27, 2015; however,you have not received your refund check. You are requesting a refund be sent to you. Iunderstand your concerns, and I apologize for any inconvenience or frustration this may havecaused you.I attempted to contact you via telephone at the phone number provided; however, my attemptwas unsuccessful.After reviewing your account, our records indicate that a refund check in the amount of $90.00was issued to you on December 28, 2015. Our records further indicate that the check has notbeen cashed. Please be advised we are able to put a stop payment on the check and have anew one issued to you. You also have the option of having the funds electronically refunded toyou. If you are unable to locate the refund check that was issued on December 28, 2015,please contact our Customer Care team at ###-###-#### to resolve this matter.We hope this information is helpful. Should you have any additional questions or concerns,please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would behappy to assist you.Sincerely,Jenny W[redacted]
Dear Ms. [redacted] Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the Jessica London® credit cards. We are here to answer your questions and assist with your concerns. We understand your concerns regarding...
the non-receipt of merchandise, shipping charges and bank fees which created an unpaid balance on your account. We also understand your request to cease further collections on the account. I’ve reviewed your account and I am happy to explain my findings. Please note Comenity Bank and Jessica London® are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Jessica London® is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate that you charged $148.14 to your account on October 26, 2016. The order was cancelled and the account was issued credit of $131.03, which was less the return label fee and shipping and handling charges. Per Jessica London’s shipping and handling policy, shipping charges are non-refundable. The Bank issued you a billing statement on November 10, 2016, with a balance of $24.61, and a payment due on December 6, 2016. As payment was not made, the account was charged a late fee and finance charge. You contacted the Bank via secure messages on Account Center in which we closed the account as you requested. Additionally, a dispute was filed on your behalf, which takes up to 60 days to resolve. Please be advised that as a result of this complaint, this letter will serve as a response to your Revdex.com complaint and your billing dispute; you will not receive a separate letter. On December 22, 2016, Jessica London issued a $7.50 credit to refund the return label fee. Although no Bank errors were found, in the interest of customer service, we issued credits totaling $39.11 to remove the balance from your account. Per your request, a "cease and desist" status has been placed on your account. This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: Comenity Bank [redacted]
[redacted] This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
We received your additional complaint, regarding the above-referenced account. As the bank that issueswayfair@ credit card accounts, we are here to help answer your account-related concerns. Yourcorrespondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint, that you are rejecting our original Revdex.com response for the followingreasons:1. You state while you were speaking with the Bank the day you submitted this complaint; you wereadvised that your account was no longer in dispute, and that you would receive a refund within 20-21 days, and that your account showed a credit of $550.092. If you are not owed the refund of $550.09, you are requesting to be refunded the extra financecharges you paid off as a result of this matter3. You are requesting a copy of your July 2016 billing statement.4. You are disputing the dates and charges listed in the previous Bank response.Please note, Bank records indicate this matter has already been investigated and a response waspreviously issued on September 16, 2016. 1 have enclosed a copy of our previous response, as well ascopies of the billing statements which include the July 2016 billing statement as you requested. Thesebilling statements show the account activity that comprised the account balance for your records.Please note, as of September 26, 2016, the provisional credit of $550.09, has been removed from yourwayfaia credit card account, which will bring your balance to zero.In the interest of customer service, credits for finance charges totaling $32.32, have been issued, resultingin credit balance. Please be assured, we have issued a refund in this amount and you should receive therefund in a separate mailing within 7-1 0, business days.We apologize for any frustration or inconvenience this matter may have caused you, and hope thisinformation is helpful. Should you have any further questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext. [redacted] (TDDmY 1-800-695-1 788). 1 will be happy to assistyou.Sincerely, Jeanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
I was led to believe false information, and the employees that did this need to be retrained. If you won’t raze the credit limit to be the $2.100 like I was false led to believe it was, I think everything I have been through deserves a customer service adjustment to the account to bring it under the credit limit. That’s a $386.00 good will adjustment on the banks part. This would be the right thing to do.
Regards, [redacted]
I have reached out to Comenity twice about this and not once have they mentioned I would need to now follow up with Bon Ton separately until now. Bon Ton nor Comenity can present a confirmed signature on delivery so it is quite suspicious that they keep stating it was delivered, my family member never received the package and they have no confirmed signature upon delivery how is that a confirmed delivery. I am still being charged for a package I have not received and therefore would like to continue with my complaint I will be sure to add a complaint against Bon Ton as well after following up with them in the morning if this issue is not resolved.
They closed my accounts without my notice. They can reopen the accounts . I know this because they opened them up the last time they did this to me over the same issue... Why then could you reopen them but now you can't. I think you are a scam. I will be going into the stores and I will tell everyone I know how I was treated. your policy all of a sudden...? it is a bad one. You will only cause businesses to lose in the end.If you look I have always paid my bills. I will win in the end of this. [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. The Bank received your complaint in which you state that...
your account was assessed a late fee. You attempted to contact the Bank via our secure messaging center; however, you were advised to call our Customer Care team. You are requesting that the Bank issue a credit for the late fee and send you a refund check. We understand your concerns, and apologize for any frustration this may have caused you. Our records indicate that on April 6, 2017, the Bank issued a statement showing a balance of $300.68 with a minimum payment of $25.00 due by May 2, 2017. The Bank received a payment of $300.68 on May 4, 2017. As a result of the payment being received after the due date, a late fee was assessed to your account. On May 7, 2017, a statement was issued to you showing a balance of $30.73 with a minimum payment of $27.00 due by June 2, 2017. On May 13, 2017, a purchase of $53.26 posted to your account. In addition the Bank received three return credits totaling $110.07. On June 2, 2017, the Bank received a payment of $30.73, which left a credit balance of $56.81. Although Comenity Bank did not find any billing errors with the account, we have issued a total credit of $30.73, for the previously assessed late fee and finance charge, resulting in an $87.54 credit balance. A refund check has been requested. Please allow 10-14 days to receive the check under separate cover. 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, Jenny W[redacted] Jenny W[redacted] Compliance Dept. – Consumer Responses
we never were told percent of interest, before or after comenity bank came on the scene........we never purchased anything from roamans,.........we never consented to the interest charged.....we are only paying for articles purchased and we do not accept the rate of interest, which we still do not know what it is.......we requested a paper statement from woman within, to no avail.......we are not paying another penny, until we have a paper statement, and have decided what will pay them....woman within is not honest.......thankyou......
I am rejecting this response because:
Regards, [redacted]
Dear [redacted]We received your additional complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to help answer your questions. I appreciate the opportunity to assist you with your concerns.We understand from your additional complaint that you are questioning a matter regarding the routing number associated with your financial institution. You are requesting an answer regarding why, or if, the Bank drops the first zero of the routing number. We previously received and responded to your complaint submitted to the Revdex.com regarding this same matter on August 27, 2015, September 11, 2015, September 21, 2015, October 2, 2015, and October 14, 2015. Please refer to the previous response dated October 14, 2015, regarding the matter of the routing number. Please understand that Comenity Bank’s decision remains unchanged and the Bank considers this matter closed.We hope you find this information helpful. If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
July 6, 2015 Mr. Seton T. Goddard231 North 6th StreetDe Pere, WI 54115-2213 RE: PotteryBarn Credit Card Account Ending In 3657Better BusinessBureau Complaint ID #10650411 Dear Mr. Goddard: We received your additional complaint,addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues Pottery Barncredit 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 your concerns regarding thebalance on your account. We furtherunderstand that you state you have returned the purchases that were applied toyour account in October 2014, but have not received credit. I apologize for any inconvenience this mattermay have caused you. Please be advised, we are unable to locateany correspondence from you regarding the proof of the return that you statewas sent in March 2015. Please provide mewith a copy of the return credit slip, so that I may further research yourconcerns. Information may be sent to myattention at the address listed above, or by fax at 1-614-729-5215. We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at1-800-675-5685, ext. 7293197 (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Ashley HughesConsumer Relations Specialist CC: BetterBusiness Bureau Tell us why here...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant 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 sent to you on March 2, 2017. 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, Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
I provided documentation that the required to verify my identity. The letter did not indicate they would close my accounts. I received pre-approved offers for Victoria's Secret and Wayfair.com. I will be reporting their action to the FDIC and the U.S. Consumer Financial Protection Bureau.
Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you...
contacted the Bank on December 16, 2016, and informed the representative you wanted to make a payment for the minimum due on your account. You state that the representative advised you that the minimum payment due on your account was $30.00 and you provided her with your bank account information to have the payment processed. However, when you made your payment in January 2017, you realized that your account was assessed a late fee. Furthermore, you state as a result of being told the incorrect information in December 2016, your account became delinquent for December 2016 and January 2017. You further state that you were hospitalized in the beginning of February 2017 and had set up a payment arrangement. However, you state the way the arrangement was set up by the representative caused your account to be over 30 days past due and a delinquency to be reported on your credit bureau report. You are requesting that the phone call made on December 16, 2016, be reviewed, the late fees reversed, and for the delinquency from March 2017 to be removed from your report. I understand your concerns, and apologize for any confusion or frustration this may have caused you. Bank records indicate on October 21, 2016, a statement was issued to you showing a balance of $447.94 with a minimum payment of $27.00 due by November 16, 2016. The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account. On November 20, 2016, a statement was issued to you showing a balance of $484.42 with a payment of $47.00 due by December 16, 2016. The Bank received a payment of $30.00; however, as a result of the payment being made for less than the required minimum payment due, a late fee was assessed to your account. On December 21, 2016, a statement was issued to you showing a balance of $501.94 with a minimum payment of $42.00 due by January 16, 2017. The Bank received a payment of $20.00 on January 11, 2017, and a payment of $22.00 on January 13, 2017. Thank you for those payments. On January 21, 2017, a statement was issued to you showing a balance of $470.52 with a minimum payment of $27.00 due by February 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On February 18, 2017, a statement was issued to you showing a balance of $506.86 with a minimum payment of $52.00 due by March 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due and as a result, it was reported as 30 days delinquent to the national credit-reporting agencies. Bank records further indicate that on March 24, 2017, you were contacted by the Bank regarding the status of your account. At that time your account received a courtesy late fee credit, and a payment of $150.00 was scheduled for April 7, 2017. Please be advised that the Bank has no record of a payment arrangement set up for you for the month of February 2017. Furthermore, the Bank reviewed all applicable telephone calls and Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. To provide the best customer service possible, we offer multiple ways to make a payment. 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 through the Bank’s online Account Center before 8:00 p.m. (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date). Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter....⇄ hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W[redacted]
...
Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns. You state the Bank has reported the above-referenced account to the credit reporting agencies as being more than 30 days past due, which is not true. You further state you paid this account in full several days before it was reported as late. You are requesting to have your credit report corrected to reflect as not late with a zero balance. We have reviewed your account and we are happy to share our findings. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement. Additionally, if an account is two or more billing periods past due, the delinquency may be reported to the credit reporting agencies. On March 9, 2017, a billing statement was issued reflecting a balance of $542.26, and a minimum payment of $28.00, due by April 4, 2017. A payment of $30.00 posted to the account on April 6, 2017. On April 8, 2017, a billing statement was issued reflecting a balance of $551.68, and a minimum payment of $28.00, due by May 4, 2017. As no payment was received, the account fell one billing period past due. On May 9, 2017, a billing statement was issued reflecting a balance of $975.07, and a minimum payment of $77.00, due by June 4, 2017. A payment of $77.00 posted to the account on May 16, 2017; however, as the payment was returned from your financial institution due to insufficient funds, a debit of $77.00 posted to the account on May 24, 2017. As a result, the account fell two billing periods past due, and was reported to the credit bureaus as a 30 day delinquency. On June 10, 2017, a payment of $1,034.21 posted to the account, and resulted in a zero balance. We understand your concern regarding your credit report. We have verified we are reporting the account payment information correctly to the credit reporting agencies, as we are required by law. On June 22, 2017, we sent a request to the credit reporting agencies to update the reporting of the account to reflect a zero balance. Please allow up to 45 days for the 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, Laura R[redacted] Compliance Dept. – Consumer Responses
Comenity Bank has received your complaint regarding the above-referenced account. Comenity Bank issues the PINK credit card account. We are here to answer your questions and assist with your concerns. We understand from your correspondence that you and your son-in-law each had...
$10.00 birthday coupons. You both attempted to use them on purchases at the retailer and were told that in order to use them you had to make a purchase for more than $10.00. You are asking that we issue $20.00 in gift certificates to compensate you both for not being allowed to use the two birthday coupons. Please understand that Comenity Bank and VICTORIA’S SECRET are two separate entities. Comenity Bank is responsible for addressing questions related to your credit card account, while the retailer is responsible for handling matters related to sales, merchandise processing, returns, and shipping. We apologize that you were unable to use your $10.00 birthday coupon in the store for your purchase. It is never our intention for a customer to be treated in a less than satisfactory manner. As a courtesy we have adjusted your account with a $10.00 credit that will be arriving to your home in a form of a check within the next 14 business days. In regard to your son-in-law having had a similar customer experience, he would need to contact the Bank directly on his own behalf for further assistance. 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
I have filled all forms attached in the previous responding emails from Comenity Bank and mailed them back to the address provided.Here are the copies.
Dear Mr. [redacted]:Thank you for contacting Comenity Bank. We issue multiple retail credit card accounts, and weare here to help with your questions. The Revdex.com forwarded your complaint tomy attention, and I appreciate the opportunity to respond to your concerns.Please accept our...
deepest apology for any frustration that you may have experienced regardingthe telephone calls that you have received from Comenity Bank.After reviewing our database, we are able to confirm that the telephone calls being made wereattempts to contact a customer regarding a personal business matter. Please be assured thatwe have updated our records and you should not receive any further telephone calls at thetelephone number ending in [redacted] from Comenity Bank.We hope you find this information helpful. If you have any additional questions or concernsplease contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Amanda R[redacted]
Dear [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK 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.Your complaint states that you paid your bill on the correct day and we are sending claims that the payment did not process. You also state that fraudulent payments are trying to be received. You would like the account to be credited the correct amount.Bank records indicate that you scheduled an online payment for $83.16 on May 6, 2015. On May 12, 2015, this payment was returned by your financial institution due to insufficient funds. As such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $25.00 returned payment fee. On May 13, 2015, you scheduled an additional payment online for $156.36, and this payment was returned on May 19, 2015, by your financial institution due to insufficient funds. As such, the amount was debited back to your Victoria’s Secret/PINK account balance, and the account was charged a $25.00 returned payment fee. Additionally, because of the two returned payments in the last 90 days, your charging privileges have been suspended.If you believe that you are a victim of fraud regarding your banking account, we encourage you to contact your financial institution and file a fraud claim so that they can investigate on your behalf. If they find that the payments stated above were fraud, please have your financial institution send us a letter to the address listed above, or send by fax to my attention at ###-###-####. After receiving, we would be happy to remove the returned payment fees and reinstate your Victoria’s Secret/PINK account.Additional review of your account reflects that you made a fraud claim on December 31, 2014, stating that you never made a purchase of $182.62 by catalogue. The Bank’s Account Protection team investigated your claim of fraud, Fraud Case #[redacted]. They concluded that you were responsible for the charge(s), as the order was shipped to your address listed in this complaint and you used the email address listed on your account. However, they did establish you with a new Victoria’s Secret/PINK credit card account ending in [redacted]We hope this information is helpful. Should you have further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear Ms. [redacted]: Thank you for your recent complaint regarding the My BJ’s Perks™ MasterCard® account. Comenity Capital Bank issues My BJ’s Perks™ MasterCard® accounts, and we are here to help with your account-related questions. I appreciate this opportunity to address your...
concerns. We understand from the complaint that you made a settlement agreement with the Bank in April 2015 with payments being scheduled through January 2016. In February 2016, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due. You are requesting that the account is reported as paid in full. We apologize for any frustration or inconvenience you may have experienced as a result of this matter. Bank records indicate that on April 7, 2015, ten equal payments of $193.00 were scheduled for April 7, 2015, through January 7, 2016, to settle the account balance. Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debt. Please be assured that we have updated our records to reflect the account as paid in full for less than the full balance. Additionally, this information has been sent to the national credit-reporting agencies. Please allow 45 days for them to update their records. In the meantime, please use this letter to confirm that the account has been settled, and no balance is due. We hope this information has been helpful. If you need assistance with your account, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]
Dear Ms. [redacted]Thank you for your complaint, addressed to the Revdex.com, regarding the abovenotedapplication. Comenity Capital Bank issues El Dorado credit card accounts, and werespond to all account-related questions. Your compliant was forwarded to my attention, and 1appreciate this...
opportunity to assist you.Your complaint states that you applied for an El Dorado credit card and you were denied. Youfurther indicate that you contacted Experian, and they have confirmed your correct address islisted on your credit report. Furthermore you indicate that you have lived at the address listedabove since 2005, you are requesting we reconsider your application.We apologize for any frustration or inconvenience you may have experienced because of thismatter. Per your correspondence, we have reviewed the information submitted with your Revdex.comcomplaint. With the information provided we were able to override the information showing onyour credit report and approve your application.Congratulations, you have been approved for an El Dorado credit card account with $8,500.00available credit. You will receive a welcome kit which includes your credit card at the addresslisted above within seven to ten business days.We hope you find this information helpful. If you have any further questions please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-#### ). I will be happy to assist you.Sincerely,Rosa M[redacted]
Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bankissues Ideal Image® VIP credit accounts, and we are here to help with account-relatedquestions. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...
appreciate the opportunity to respond to your concerns.Your complaint states that a refund check was issued to you on December 27, 2015; however,you have not received your refund check. You are requesting a refund be sent to you. Iunderstand your concerns, and I apologize for any inconvenience or frustration this may havecaused you.I attempted to contact you via telephone at the phone number provided; however, my attemptwas unsuccessful.After reviewing your account, our records indicate that a refund check in the amount of $90.00was issued to you on December 28, 2015. Our records further indicate that the check has notbeen cashed. Please be advised we are able to put a stop payment on the check and have anew one issued to you. You also have the option of having the funds electronically refunded toyou. If you are unable to locate the refund check that was issued on December 28, 2015,please contact our Customer Care team at ###-###-#### to resolve this matter.We hope this information is helpful. Should you have any additional questions or concerns,please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would behappy to assist you.Sincerely,Jenny W[redacted]
Dear Ms. [redacted] Comenity Bank has received your correspondence regarding the above-referenced credit card account. Comenity Bank issues the Jessica London® credit cards. We are here to answer your questions and assist with your concerns. We understand your concerns regarding...
the non-receipt of merchandise, shipping charges and bank fees which created an unpaid balance on your account. We also understand your request to cease further collections on the account. I’ve reviewed your account and I am happy to explain my findings. Please note Comenity Bank and Jessica London® are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Jessica London® is responsible for handling matters related to sales, merchandise processing, returns and shipping. Bank records indicate that you charged $148.14 to your account on October 26, 2016. The order was cancelled and the account was issued credit of $131.03, which was less the return label fee and shipping and handling charges. Per Jessica London’s shipping and handling policy, shipping charges are non-refundable. The Bank issued you a billing statement on November 10, 2016, with a balance of $24.61, and a payment due on December 6, 2016. As payment was not made, the account was charged a late fee and finance charge. You contacted the Bank via secure messages on Account Center in which we closed the account as you requested. Additionally, a dispute was filed on your behalf, which takes up to 60 days to resolve. Please be advised that as a result of this complaint, this letter will serve as a response to your Revdex.com complaint and your billing dispute; you will not receive a separate letter. On December 22, 2016, Jessica London issued a $7.50 credit to refund the return label fee. Although no Bank errors were found, in the interest of customer service, we issued credits totaling $39.11 to remove the balance from your account. Per your request, a "cease and desist" status has been placed on your account. This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: Comenity Bank [redacted]
[redacted] This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
We received your additional complaint, regarding the above-referenced account. As the bank that issueswayfair@ credit card accounts, we are here to help answer your account-related concerns. Yourcorrespondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciatethe opportunity to respond to your concerns.We understand from your complaint, that you are rejecting our original Revdex.com response for the followingreasons:1. You state while you were speaking with the Bank the day you submitted this complaint; you wereadvised that your account was no longer in dispute, and that you would receive a refund within 20-21 days, and that your account showed a credit of $550.092. If you are not owed the refund of $550.09, you are requesting to be refunded the extra financecharges you paid off as a result of this matter3. You are requesting a copy of your July 2016 billing statement.4. You are disputing the dates and charges listed in the previous Bank response.Please note, Bank records indicate this matter has already been investigated and a response waspreviously issued on September 16, 2016. 1 have enclosed a copy of our previous response, as well ascopies of the billing statements which include the July 2016 billing statement as you requested. Thesebilling statements show the account activity that comprised the account balance for your records.Please note, as of September 26, 2016, the provisional credit of $550.09, has been removed from yourwayfaia credit card account, which will bring your balance to zero.In the interest of customer service, credits for finance charges totaling $32.32, have been issued, resultingin credit balance. Please be assured, we have issued a refund in this amount and you should receive therefund in a separate mailing within 7-1 0, business days.We apologize for any frustration or inconvenience this matter may have caused you, and hope thisinformation is helpful. Should you have any further questions or concerns regarding this letter, please feelfree to contact me at ###-###-####, ext. [redacted] (TDDmY 1-800-695-1 788). 1 will be happy to assistyou.Sincerely, Jeanine M[redacted]Consumer Relations SpecialistCC: Revdex.com
I was led to believe false information, and the employees that did this need to be retrained. If you won’t raze the credit limit to be the $2.100 like I was false led to believe it was, I think everything I have been through deserves a customer service adjustment to the account to bring it under the credit limit. That’s a $386.00 good will adjustment on the banks part. This would be the right thing to do.
Regards, [redacted]
I have reached out to Comenity twice about this and not once have they mentioned I would need to now follow up with Bon Ton separately until now. Bon Ton nor Comenity can present a confirmed signature on delivery so it is quite suspicious that they keep stating it was delivered, my family member never received the package and they have no confirmed signature upon delivery how is that a confirmed delivery. I am still being charged for a package I have not received and therefore would like to continue with my complaint I will be sure to add a complaint against Bon Ton as well after following up with them in the morning if this issue is not resolved.
They closed my accounts without my notice. They can reopen the accounts . I know this because they opened them up the last time they did this to me over the same issue... Why then could you reopen them but now you can't. I think you are a scam. I will be going into the stores and I will tell everyone I know how I was treated. your policy all of a sudden...? it is a bad one. You will only cause businesses to lose in the end.If you look I have always paid my bills. I will win in the end of this. [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer your questions and assist with your concerns. The Bank received your complaint in which you state that...
your account was assessed a late fee. You attempted to contact the Bank via our secure messaging center; however, you were advised to call our Customer Care team. You are requesting that the Bank issue a credit for the late fee and send you a refund check. We understand your concerns, and apologize for any frustration this may have caused you. Our records indicate that on April 6, 2017, the Bank issued a statement showing a balance of $300.68 with a minimum payment of $25.00 due by May 2, 2017. The Bank received a payment of $300.68 on May 4, 2017. As a result of the payment being received after the due date, a late fee was assessed to your account. On May 7, 2017, a statement was issued to you showing a balance of $30.73 with a minimum payment of $27.00 due by June 2, 2017. On May 13, 2017, a purchase of $53.26 posted to your account. In addition the Bank received three return credits totaling $110.07. On June 2, 2017, the Bank received a payment of $30.73, which left a credit balance of $56.81. Although Comenity Bank did not find any billing errors with the account, we have issued a total credit of $30.73, for the previously assessed late fee and finance charge, resulting in an $87.54 credit balance. A refund check has been requested. Please allow 10-14 days to receive the check under separate cover. 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, Jenny W[redacted] Jenny W[redacted] Compliance Dept. – Consumer Responses
we never were told percent of interest, before or after comenity bank came on the scene........we never purchased anything from roamans,.........we never consented to the interest charged.....we are only paying for articles purchased and we do not accept the rate of interest, which we still do not know what it is.......we requested a paper statement from woman within, to no avail.......we are not paying another penny, until we have a paper statement, and have decided what will pay them....woman within is not honest.......thankyou......
I am rejecting this response because:
Regards, [redacted]
Dear [redacted]We received your additional complaint, sent to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Avenue credit card accounts, and we are here to help answer your questions. I appreciate the opportunity to assist you with your concerns.We understand from your additional complaint that you are questioning a matter regarding the routing number associated with your financial institution. You are requesting an answer regarding why, or if, the Bank drops the first zero of the routing number. We previously received and responded to your complaint submitted to the Revdex.com regarding this same matter on August 27, 2015, September 11, 2015, September 21, 2015, October 2, 2015, and October 14, 2015. Please refer to the previous response dated October 14, 2015, regarding the matter of the routing number. Please understand that Comenity Bank’s decision remains unchanged and the Bank considers this matter closed.We hope you find this information helpful. If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Renee S[redacted]
July 6, 2015 Mr. Seton T. Goddard231 North 6th StreetDe Pere, WI 54115-2213 RE: PotteryBarn Credit Card Account Ending In 3657Better BusinessBureau Complaint ID #10650411 Dear Mr. Goddard: We received your additional complaint,addressed to the Revdex.com, regarding the account referencedabove. Comenity Bank issues Pottery Barncredit 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 your concerns regarding thebalance on your account. We furtherunderstand that you state you have returned the purchases that were applied toyour account in October 2014, but have not received credit. I apologize for any inconvenience this mattermay have caused you. Please be advised, we are unable to locateany correspondence from you regarding the proof of the return that you statewas sent in March 2015. Please provide mewith a copy of the return credit slip, so that I may further research yourconcerns. Information may be sent to myattention at the address listed above, or by fax at 1-614-729-5215. We hope this information is helpful. Should you have any other questions orconcerns regarding this account, please feel free to contact me at1-800-675-5685, ext. 7293197 (TDD/TTY 1-800-695-1788). I will be happy to assist you. Sincerely, Ashley HughesConsumer Relations Specialist CC: BetterBusiness Bureau Tell us why here...
Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Lane Bryant 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 sent to you on March 2, 2017. 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, Laura R[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com Enclosure
I provided documentation that the required to verify my identity. The letter did not indicate they would close my accounts. I received pre-approved offers for Victoria's Secret and Wayfair.com. I will be reporting their action to the FDIC and the U.S. Consumer Financial Protection Bureau.
Regards, [redacted]
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card accounts. We are here to answer your questions and assist with your concerns. Your complaint states that you...
contacted the Bank on December 16, 2016, and informed the representative you wanted to make a payment for the minimum due on your account. You state that the representative advised you that the minimum payment due on your account was $30.00 and you provided her with your bank account information to have the payment processed. However, when you made your payment in January 2017, you realized that your account was assessed a late fee. Furthermore, you state as a result of being told the incorrect information in December 2016, your account became delinquent for December 2016 and January 2017. You further state that you were hospitalized in the beginning of February 2017 and had set up a payment arrangement. However, you state the way the arrangement was set up by the representative caused your account to be over 30 days past due and a delinquency to be reported on your credit bureau report. You are requesting that the phone call made on December 16, 2016, be reviewed, the late fees reversed, and for the delinquency from March 2017 to be removed from your report. I understand your concerns, and apologize for any confusion or frustration this may have caused you. Bank records indicate on October 21, 2016, a statement was issued to you showing a balance of $447.94 with a minimum payment of $27.00 due by November 16, 2016. The Bank did not receive a payment by the due date and as a result, a late fee was assessed to your account. On November 20, 2016, a statement was issued to you showing a balance of $484.42 with a payment of $47.00 due by December 16, 2016. The Bank received a payment of $30.00; however, as a result of the payment being made for less than the required minimum payment due, a late fee was assessed to your account. On December 21, 2016, a statement was issued to you showing a balance of $501.94 with a minimum payment of $42.00 due by January 16, 2017. The Bank received a payment of $20.00 on January 11, 2017, and a payment of $22.00 on January 13, 2017. Thank you for those payments. On January 21, 2017, a statement was issued to you showing a balance of $470.52 with a minimum payment of $27.00 due by February 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On February 18, 2017, a statement was issued to you showing a balance of $506.86 with a minimum payment of $52.00 due by March 16, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due and as a result, it was reported as 30 days delinquent to the national credit-reporting agencies. Bank records further indicate that on March 24, 2017, you were contacted by the Bank regarding the status of your account. At that time your account received a courtesy late fee credit, and a payment of $150.00 was scheduled for April 7, 2017. Please be advised that the Bank has no record of a payment arrangement set up for you for the month of February 2017. Furthermore, the Bank reviewed all applicable telephone calls and Comenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid. We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. To provide the best customer service possible, we offer multiple ways to make a payment. 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 through the Bank’s online Account Center before 8:00 p.m. (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date). Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information. Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative. The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter....⇄ hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jenny W[redacted]