I'll update once I receive the letter in the mail confirming the removal of the late payment. I've set alarms on my phone to make sure I pay two days in advance, and this will not happen again! Thank you!" Please give me a chance to have my perfect paying history back. And, I in fact didn't miss a payment for the 30 days, I actually did pay in July. I really do believe in having a good payment history and if you look at my records, I have no other missed payments. I'm writing today to ask for your forgiveness for my mistake. I did however make sure to pay July 21, 2019, but I still was shown as a missed payment on all three credit bureaus. In the mist of moving I believe I forgot to pay on my due date. But, in July 2019 I had a missed payment. It's really been a privilege to be able to do business with your company and I would like for it to continue and for me to continue to prove my value to you as a customer. "Hello, my name is X X I'm writing you today because I am a customer of your Victoria's Secret store card. I also provided a screenshot showing I havent missed any other payments. Here is what I wrote for my GW letter, it's simple and to the point. Thank you for being a valued card member. You will receive a decision from us, the same way your request was received. Once we have received your request, by one of these methods, a member of our Credit Bureau Disputes team will review your request and the account. I have included the mailing address and the website needed to submit your request. You will need to log into your online accounts to access the SMC tool. Your request would need to be received either by mail or via our Secure Messaging Center. I just called and the lady was able to remove the missed payments and is mailing me a letter stating it has been updated from deliquent to no missed payments. So, I followed up and the auto responder said to call in. I was told I'd get a response within 2 business days, I received a response the next day, but it stated they'd forward the message and I'd get a response in another 2 business days, and I never did. I sent a message on FB, they stated I could mail in a response or used the secure message system online, so I sent it throught the secured portal. It's from July 2019 30 days, I missed June's payment then paid the end of July. Demand ethical companies and stop making excuses for bad actors.I have one missed payment on my report and my score took a major hit. They take weeks to process your payment! Please see the trove of folks who have been swindled out of money for months and years. In any case, I agree with the OP and think this is a thinly veiled attempt to eek out revenues from people who are busy, disorganized, forgetful, stretched thin, or grieving or otherwise guilty of the malady of human error.Īctually one look at and you will see that they still find a way capitalize on you even if you set up AutoPay with your bank. If it were a utility bill or mortgage or rent perpetuity would make sense. Most people buy furniture or other retail credit card purchase once every few years. Why do you want to bank with a surreptitious company? From a practical standpoint it does not make much sense to set up a reoccuring autobill for an intermittent charge card. However, why is this company passing the buck on a feature every other credit card with even questionable ethics (CapitalOne) offers now in 2019. ![]() Yes you can set up auto-pay with you bank. ![]() They do not have the consumer's best interest in mind. It says that they want and need to make money by dubious means. The fact that they do not have this feature says a lot to me. It is a deliberate, intentional, calculated, and greedy omission. To have an entirely modern and current web interface that lacks only in missing one small feature that would take all of 1 hr of coding, is not indicative of a small company that is unable to modernize fast enough. To those that say they have not developed the latest technology because technology changes too quickly: You are out of touch with how the tech works. This is a lucrative, deliberate, and predatory revenue stream for them. This company's bottom line is being bolstered by human error. Victorias Secret Credit Card Accounts are issued by Comenity Bank. To those who say it is the customer's responsibility: No duh. This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. ![]() Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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