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Comenity Capital Bank Reviews (1308)

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted] ***

I have tried calling and giving information to no successI need a specific contacts email or phone numberThis has been going on for a year

Dear [redacted] We received your complaint regarding the above-referenced accountComenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help your with your American Laser Skincare credit card accountWe resolved your dispute in accordance with the dispute provisions of your credit card agreement, which are also outlined in the Billing Rights Summary contained in your monthly billing statementsSpecifically, we refer you to the following section: What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-In your letter, give us the following information: ? Account information: Your name and account number ? Dollar amount: The dollar amount of the suspected error ? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within days after the error appeared on your statementYou must notify us of any potential errors in writingYou may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in questionWhile we investigate whether or not there has been an error, the following are true: ? We cannot try to collect the amount in question, or report you as delinquent on that amount? The charge in question may remain on your statement, and we may continue to charge you interest on that amountBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount? While you do not have to pay the amount in question, you are responsible for the remainder of the balance? We can apply any unpaid amount against your credit limitYour Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchaseTo use this right, all of the following must be true: The purchase must have been made in your home state or within miles of your current mailing address, and the purchase price must have been more than $(Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) You must have used your credit card for the purchasePurchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualifyYou must not yet have fully paid for the purchaseWhat this means for you is, if your dispute was submitted more than days after the first billing statement on which the disputed charge appeared and you have fully paid for your purchase, you are not eligible to receive a credit or refundWe apologize for any inconvenience this matter may have caused your clientShould you or your client have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Jenny W***

Dear Ms [redacted] We received the additional correspondence you sent to the Revdex.com (Revdex.com)which was forwarded to Comenity Capital BankThe Newegg.com Preferred account(Newegg Preferred) product is issued by Comenity Capital Bank (Bank) and serviced byBill Me Later, IncNewegg Preferred was a payment option previously made available byNewegg.com to their customers.Your correspondence states you did not receive statements from Newegg Preferred, andthe address on file for your account is invalidYou state you were never informed of yourpromotional expiration date, and your payments should have been allocated toward yourpromotional balances based on the information you have been providedYou havesubmitted payment for your initial balance, but continue to receive feesYou arerequesting the fees be waived.As part of the application process when your Newegg Preferred account was created onNovember 19, 2008, you agreed to the E-Sign Consent and the electronically presentedTerms and ConditionsPer the E-Sign Consent, you agreed to receive disclosures andother information electronicallyAs such, you consented to receive "statement ready"emails from Newegg Preferred via the email address on file for your account, [redacted] alerting you that your statement is ready for viewingelectronicallyPlease note, this email address was provided on your initial application andhas not been updatedNewegg Preferred’s records indicate these emails were deliveredsuccessfully and some were openedPlease note, as of October 7, 2015, your Neweggaccount has been closed, as Newegg Preferred was discontinued as a payment optionthrough Newegg.com.It is important to note that a paper statement will not generate unless the accountbecomes delinquent or you change your paper statement status through NeweggPreferred’s web self-service site or via a written request as disclosed in the Terms andConditionsThe billing address on file for your account, [redacted] ***, was provided on your applicationOur records do not indicate you have requestedpaper statements or requested to update your billing addressPlease contact NeweggPreferred at ###-###-#### to update your information.Please be advised, your statements can be obtained by logging in at www.PayPal.com.Here's how to find your full statements online:Log into your PayPal account at www.PayPal.comClick the Money tabClick PayPal CreditClick View StatementsClick a statement cycle date to view transactions from that billing cycleOnce a cycle is selected you can download that full statement by clicking the PDF iconon the left.As previously stated, Newegg Preferred is unable to waive any additional fees from youraccount at this time; Newegg Preferred does not waive deferred interest as a result ofpromotional financing purchases not being paid in full by the promotional expiration date.You were given notice of the promotional financing expiration date on each of yourmonthly billing statementsFurther, each billing statement shows your payments wereallocated correctly in accordance with the Terms and Conditions and in compliance withall applicable laws and regulations.As November 21, 2016, your account is closed, with a balance of $98.37; please beadvised, your account balance is validYour next statement, dated November 22, 2016,will contain updated information regarding your balance and minimum paymentrequirement due by December 19, 2016.We hope this letter explains and resolves this matter.Sincerely,Jennifer P***

In your response you even confirm that I was not able to view my bill! How can you assess late fees on a bill that was never viewed? This is extremely poor customer service! I plan to do my due diligence and pay the remainder of my membership fee of $since I already made a payment of $ Since you "are unwilling to credit the account for any additional fees due to no bank errors" I ask that you reconsider due to the fact you even confirmed I did not see these bills in order to have a chance to pay it on timeIt would of been paid in full on time if given the chance Regards, [redacted]

Dear Ms [redacted] : Thank you for contacting the Revdex.com, regarding the above-referenced accountComenity Capital Bank issues BLAIR® credit card accounts, and we are here to help with account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youYou state in July 2014, you placed an order for one pair of slippers and one pair of pants You did not receive the slippers as they were out of stock, and you returned the pants as they were too small You further state, even though you have told the Bank that you don’t owe anything, you are receiving telephone calls between nine to twelve times a day You are still receiving bills and charges are being added You are requesting for the balance to be credited, as you do not owe anything, and for your credit bureau report to be corrected We sincerely apologize for any inconvenience or frustration this matter may have caused you Please understand that Comenity Capital Bank and Blair are two separate entities Comenity Capital Bank is responsible for addressing questions related to BLAIR® credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise qualityAdditionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded Additionally, if you use the provided Smart Label for the return, your account is billed $for the cost of the return shippingWe contacted Blair, on your behalf, regarding your complaint On February 29, 2016, they issued credits totaling $to remove the Smart Label fee, and the shipping and handling charges The Bank issued credits totaling $to remove the previously assessed late fees and finance charges Thank you for bringing this matter to our attention As a token of our appreciation and in the interest of customer service, the Bank has issued a separate credit of $to the account All credits have posted to the account and resulted in a credit balance of $ Because the account has a credit balance, we have requested a refund check in the amount of $be sent to you Please allow days to receive the refund check, as it is being sent in a separate mailing Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the BLAIR® account, from your credit bureau report We can confirm that the credit-reporting agencies have updated this information in their records When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful Please be assured, we have updated the telephone number ending in [redacted] so that you no longer receive telephone calls from the Bank All calls should have ceased by this time We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-notedaccountComenity Capital Bank issues the JD Williams credit card accountWe are here toanswer your questions and assist with your concerns.We understand from the complaint that you made a purchase for a coat on October 7, 2016, andyou would like to return the coat due to it ripping in two placesYou also state that you haverequested to have a return label sent to you, so you can return the coat free of charge and thatthey offered you 30% off of your next orderHowever, you have not received the return labelYouare requesting a return label to return the coat for credit and to have 30% off applied to youraccount balanceWe apologize for the inconvenience this matter may have caused you.We opened a dispute in the amount of $for the coat purchase on October 7, Pleasebe assured our dispute resolution team is currently working to resolve your disputePlease alsobe aware, dispute investigations may take up to ninety days to completeUpon completion of ourinvestigation, we will notify you of our findings by mailWe appreciate your patience while weconduct our investigation.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Ashley H***Compliance Dept– Consumer Responsescc: Revdex.com

Dear Ms***We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states you submitted several payments to PayPal Credit account whichwere later stopped; however, you state you have not requested any payments bestoppedYou state you contacted your bank and were advised you have not requesteda stop payment since You also state that the funds are no longer in your bankaccount, and you are requesting that PayPal Credit apply the payments to your PayPalCredit account.Our records reflect each of the below payments was made from an account ending in [redacted] through NLRB Federal Credit UnionThese payments were later returned by thecredit union, with a notification that the payments had been stopped:$2,215.81, dated October 27, 2014$58.00, dated December 22, 2014e $58.00, dated January 19, 2015$144.00, dated February 15, 2015$60.00, dated March 15, 2015Our records also reflect you contacted PayPal Credit Customer Service several timesduring April 5, regarding your accountDuring these conversations, the associatesand supervisor with whom you spoke informed you that your payments had beenreturned as a result of the stopped paymentsYou stated you did not ask your bank tostop payment on these transactionsYou were asked to submit documentation toPayPal Credit, showing these funds were withdrawn from your personal bank account,so PayPal Credit could research the matter further; however, we have not yet receivedthis documentation.Please note, if you have documentation confirming the funds from the payments listedabove were withdrawn from your personal bank account, please send thisdocumentation to my attention at the address listed at the top of this letterOtherwise,you will need to discuss this matter with your credit union to determine why thepayments were stopped.Please also note, a Cease and Desist status was added to your account as of June 16,2015, per your request during a recent call with PayPal CreditYou will continue toreceive monthly billing statements and any applicable fees until your account has beenpaid in full.We hope this letter explains and resolves this matterSincerely, [redacted] ***Compliance Dept- Consumer Responses

Comenity Capital Bank has received your additional correspondence regarding the abovereferenced accountComenity Capital Bank issues the HSN credit card accountWe are here to answer your questions and assist with your concerns.Your correspondence states the payment that was due in December was not paid late, andif it was, we should reinstate your limit because it was only one payment.We have enclosed the billing statements which show the account activity from November 2016through January 2017.Please be advised the account is reviewed each monthIf the Bank is willing to increase the creditlimit, this information will be reflected on your billing statement.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W

Thank you for your responseIt appears to me you have taken no ownership of this issue and only after my complaint was submitted did my accounts unlinkYou can find several documented times I've attempted to do this with no successI would appreciate the dollar credit as a good will offering for the months of in inconvenience or I'd be happy to have you close my account with PayPal creditAlso, there is no need to mention to the Revdex.com my account balance or minimum do, that is my information and it was no relevant to this complaintI do not appreciate that it was shared Regards, [redacted] ***

I went online today to respond that my complaint has now been resolved only to find that the complaint had been closedThe reason I did not respond “satisfied” to the resolution of this complaint previously is that I was waiting for them to send me the information that had been used to open this account in my nameI have now received that information and “feel the complaint was handled satisfactorily by Comenity Capital BankI am going to take this information to my local police station where it will be added to the file I opened previouslyI do wonder whether anyone is following up on trying somehow to catch the person who did open this account by checking the incorrect telephone number and email address they used when they applied for this account.As far as I am concerned this complaint can be marked “Customer Satisfied” at this point.Thank you, [redacted]

Dear Mr*** We received the complaint you sent to the Revdex.com regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, IncPayPal Credit is a payment option made available by many merchants to their customersYour complaint states you scheduled a payment of $on November 2, 2015; however, when you logged into your account on November 9, 2015, your payment had not postedYou state you contacted PayPal Credit and you were told that your payment had been rejected due to a glitchYou state the representative advised a correction would be made and a $late fee would be waived; however, you had to contact PayPal Credit again because the late fee was not waived and your account was still past dueYou state you had to demand for the late fee to be removed and your request for your account to be placed in status was deniedYou are requesting that PayPal Credit adjust your bill to reflect your $payment, and for PayPal Credit’s assurance that the original $was not deducted from your balancePayPal Credit’s records indicate the $payment you scheduled from your PayPal balance on November 2, 2015, was rejected as the result of a system errorPayPal Credit apologizes for any inconvenience this may have causedPlease note the funds were not deducted from your PayPal Balance and the error is currently being researched to prevent future payment issuesYou made two phone calls to PayPal Credit on November 11, You were initially told the $late fee would be removed from your accountUnfortunately, the representative you first spoke with did not waive the $late feeWe apologize for this inconvenience, and have forwarded the call to leadership for reviewDuring the second call made to PayPal Credit, the associate did waive the $late fee and applied the credit to your accountPayPal Credit is unable to schedule a payment from your PayPal balance on your behalfAlthough PayPal Credit is a subsidiary of PayPal, the systems used to retain consumer information are stored separatelyAs of November 17, 2015, your account balance is $1,Please note, due to the system error, we have cleared the late status from your account and removed your minimum payment requirement due by December 5, 2015; you have no minimum payment due at this timeYour next minimum payment will be due by January 5, We hope this letter explains and resolves this matterSincerely, Patricia L [redacted]

Please close my complaint, it has been resolved

[redacted] I am satisfied with Comenity Bank's response, so please, change status toclosed to customer's satisfaction.The only reason I didn't respond so was because I couldn't read your .docxfileI inquired with you about it, but I received no answerEventuallyI managed to open the file and I saw the response was satisfactory.Thank you, [redacted] *

they really did not provide any resolution but more misleading words They did not even try st make an attempt to compromise I am still a very dissatisfied consumer Regards, [redacted] ***

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues GameStop PowerUp Rewards credit cardsWe are here to answer your questions and assist with your concerns We understand from your additional complaint that you contacted the online message center on your due date, requesting assistance with removing the previous bank information used to make paymentsYou didn’t receive a response until the next day, and you were charged a late feeWhen you called in regarding the late fee you were advised that the late fee could not be removedYou are requesting that the late fee be refundedWe apologize for the inconvenience this matter may have caused you Please be advised that when contacting the Bank via Account Center, it may take up to hours to receive a responseIf you need immediate assistance, we recommend you contact our Customer Care team at ###-###-#### Please understand the Bank offers other ways to make a payment by the due date other than online Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf 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 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:p.m Eastern Time (ET), to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative Although your account has been credited for a late fee within the last eighteen months, as a courtesy, we have refunded the late fee of $that was assessed on March 21, This adjustment will appear on your next billing statementPlease be advised the Bank is unwilling to make any additional adjustments to your account for late fees I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***

Dear Mr***We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states you received a letter from PayPal about credit card useYouhave never used PayPalYou are requesting a telephone number for service and anexplanation of the attempted credit.PayPal Credit's records reflect that a PayPal Credit account was requested in yourname on May 17, 2015, and on May 21, In order for an application to processwith PayPal Credit and an account to be opened, the individual must have providedyour name, date of birth, and the last four digits of your social security numberInletters dated May 27, 2015, and May 31, 2015, PayPal Credit notified you of theseattempts via U.SMailAs explained in those letters, the attempts failed and an accountwas not set up in your name.Upon receipt of your complaint, PayPal Credit submitted a fraud report and theapplication in question was referred for investigationAfter review, Pay Pal Creditdetermined fraudulent activity has been linked to the two applications submitted in yournamePlease note, no credit inquiry was made in connection with the attemptedapplications.PayPal Credit has noted your personal information in our system to prevent a PayPalCredit account from being opened in your name in the futureIf you feel that you are avictim of identity theft, or there was attempted identity theft using your identity, pleasebe aware that it was unsuccessful in connection with this transactionHowever, thereare some steps that we suggest you immediately consider taking:You have the right to place a fraud alert on your credit reportsA fraud alert tellscreditors to contact you before they open any new accounts or change your existingaccountsTo do this, you can contact any one of the consumer reporting companiesmentioned belowIf you contact any one of them, the one you contact is required tocontact the other two to place an alert on their files as wellIdentity theft is a crimeYou can file a report with your local police or the police inthe community where the crime took placeMany police departments have a specialIdentity Theft Report, which is police report with more than the usual amount of detail, Ifthe detailed Identity Theft Report is available, we recommend that you obtain a copy inorder to protect your rightsYou can go to the Federal Trade Commission website on identity theft atwww,ftc,gavlidtheftIt contains additional information and refers you to resources thatcould be helpful in dealing with your situation.Should you require additional information relating to the PayPal Credit accountapplication submitted in your name, you may submit a written request to the followingaddress, along with a copy of your current government issued photo identification:PayPal CreditAttn: Customer Security OperationsPO Box 8Timonium, MD 21094We hope this letter explains and resolves this matter.Sincerely, [redacted] Compliance Dept- Consumer Responses

At no time before the account became overdue did the company notify my that "my bill was ready" in any manner The term "bill me later" suggests that a bill will be sent to me No bill was sent to me until after the account was overdue After the account was overdue, the phone calls made to me on caller ID was "toll free" not Pay Pal; nor did they leave a message on my answering machine.When I became aware of the amount that was due, I paid the bill of the amount that I originally owed As far as I'm concerned, this was the amount due It looks like Pay Pal Credit is running a scam to get more money, which I do not feel obligated to pay No wonder so many companies are dropping their services Regards, [redacted]

The first correspondence that I have received from your agency was lastweekI have not received any other information from the Revdex.com other than itwas changing the venue from California to OhioToday was the first timethat I logged in the Revdex.com site and read the Revdex.com replies.I also read the letter from Comenty Bank about my account being opened inThis account is barely active, so the terms years ago are notsomething that I am familiar withIn fact, almost no one is aware of theterms of these types of agreements.There is no mention to the credit balance that was on the Pay Pal accountor the additional money added to the account from a transfer of anotheruser to this account.My initial charge of $has generated $in fees and interest.That represents 215% of the original amount owedI find it hard for anyreasonable financial authority or government agency to condone suchplunderingI imagine then, that even if I owed a dime, I would still becharged a $late feeHow about a penny? What is the threshold for theComenty Bank?I have paid the original amount that I charged, a late fee and have appliedmy credit balance against any other amounts owedI am not paying any more.I believe that this case is not over and that there is predatory fees beingcharged by Pay Pal or Comenty.Regardless of the outcome with the Revdex.com, this is a practice that needs tocome to the attention of the public via disclosure to news media, to theAttorney General and to the proper banking over site agency.If you need me to open a new case, I will do so.Sincerely,

Dear [redacted] We received your correspondence sent to the Revdex.com regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, IncPayal Credit is a payment option made available by many merchants to their customersWe would like to assist you in resolving this matter; however, we are unable to locate a PayPal Credit account in your nameWe have forwarded your correspondence to PayPal to investigate your concernsWe hope this letter explains this matterSincerely, Jessica A [redacted]

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Address: 3100 Easton Square Place, Columbus, Ohio, United States, 43219

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