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Reviews Comenity Capital Bank

Comenity Capital Bank Reviews (1308)

Comenity Capital Bank continues to persist in their attempts to collect this account They have added a third late payment charge on a balance generated by their first application of a late payment charge on an account with a zero balance They also continue to make harassing collections calls to collect this concocted balance Please intervene and resolve this unjust action.Thank you

I am rejecting this response because I gave already called and the warning letters continue for an aacount I do not have No further correspondance nor contact There is no account number as there is no account Use this as written response Regards, [redacted]

Dear [redacted] : Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the HealthiPlan credit accountWe are here to answer your questions and assist with your concerns We understand from your complaint that you purchased a hearing aid on January 19, You provided a statement of the payments made to the account starting March 8, Your table indicates that there was a remaining balance of $and you were surprised that the new statement received had an outstanding balance of $You contacted the Bank and were informed that the interest was charged due to the account not being paid in one yearYou state that you exceeded the $monthly charge and that if you only paid the recommended amount that the balance would never get paid forAdditionally, you do not see anything on the purchase agreement or monthly billing statement indicating the yearly interest would be assessed, if not paid before the year is upI am happy to share my findings Bank records indicate the account was opened February 19, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees Our records further indicate on February 20, 2016, a transaction in the amount of $1,posted to your account and was placed on an 12-month deferred interest, payment required plan that expired on February 20, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the promotional balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements under the heading, “details of your plans” Please be advised that a billing statement was issued February 1, 2017, with a balance of $and a minimum payment of $due by February 27, On the first page of the billing statement under important notice it states “ Promotional plan(s) EXPIRING SOON! See the “details of your plans” section, and under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by February 20, 2017, to avoid paying accrued interest charges As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on February 20, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges As of the date of this letter, the balance on the account is $While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are needed Additionally, the billing statement also mentions that, if you make only the minimum payment for each period, you will pay more interest and it will take you longer to pay off your balanceThe minimum payment due for each regular revolving credit plan will be the greater of: $5.00; or5% of the new balance shown on your statement of that credit plan (rounded down to the nearest $5.00) I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses

I have responses from the company that indicate the complete opposite Regards, [redacted]

Dear [redacted] ***Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues HealthiPlan® credit accountsWe are here to answer your questions and assist with your concerns.Your complaint states the Bank is lying about late payments and about the amount of the payments you sent inYou state you sent in $for five months, and not $as the Bank has statedYou further state you feel the Bank has overcharged you in interest, as you were told the interest is 9.9%You are requesting that the Bank lower the interest on your account and remove the late feesI understand your concerns and apologize for any confusion or frustration this may have caused you.Our records indicate on January 9, 2016, a purchase of $3,posted to your account and was placed on a 48-month low Annual Percentage Rate (APR) (9.99%) equal payment plan that expires on January 12, Purchases on this plan will have a lower APR than the regular revolving APR and will have minimum payments of the same amount each monthPlease be advised that based on the amount of your purchase and the promotional plan the purchase was placed on, your minimum monthly payments were divided equally for months; therefore, making your monthly payments $80.00.A statement was issued to you on February 1, 2016, showing a balance of $3,with a minimum payment of $due by February 27, The Bank received a payment of $on February 25, Thank you for that payment.On March 1, 2016, a statement was issued to you showing a balance of $3,with a minimum payment of $due by March 27, Bank record indicate that a payment by phone was processed on March 28, Please be advised that when a payment is processed by phone, there is a processing fee of $Furthermore, as a result of the payment being made after the due date, a late fee was assessed to your accountPlease be advised that as a result of your account being charged for the pay by phone fee of $and the late fee of $25.00, your account now had a revolving balance of $34.00, which is subject to finance chargesFurthermore, the late payment and the pay by phone fee caused your minimum payment to be increased from $to $There was a statement issued to you on April 1, 2016, showing you a balance of $3,and that statement showed a minimum payment of $due by April 27, The Bank received a payment of $on April 26, 2016.Bank records further indicate on May 9, 2016, a partial credit of $posted to your account for the late fee that was previously assessed to your accountFurthermore, the Bank received a payment of $2,on September 27, Since this payment did not satisfy the full balance, a billing statement was issued on October 1, 2016, indicating a balance of $and a payment of $due by October 27, We have enclosed copies of your billing statements for your recordsPlease be assured, Bank records indicate payments of $were received from April through August 2016.Our records further indicate the Bank has not received a payment since September and your account is currently three billing periods past due.Although Comenity Capital Bank did not find any errors with the account, we have issued a total credit of $125.42, for the previously assessed late fees and finance chargesIn addition, we have updated your payment history to show that your account was not delinquent with us.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to meI Comenity Bank finally sent us a letter and we were able to send them a death certificate and the late charges have been reversed Thank you for your cooperation and assistance

4/26/16Dear M.s [redacted] I really appreciated all your help with my situationI can not stand people like the Sahalie catalog company that try & take advantage of peopleI am an older individual & have always paid for what I owe & never taken advantage of anyone!! Shame on these people!Thank you again for all your help & concern.Sincerely, [redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the My Place Rewards credit cardWe arehere to answer your questions and assist with your concerns.Your complaint states that you and your family members have been receiving numerous collectioncalls from the Bank, which you consider harassmentYou indicate that the associates are rudeand threateningYou have requested no further contact with the Bank, and that the debt be wipedout.This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance.We previously received and responded to correspondence submitted to the Consumer FinancialProtection Bureau, on your behalf, from Erin Richmond, regarding this same matterPlease findenclosed a copy of our response sent to you on April 20, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y***

I have sent you receipts and I have returned the ring in June This is just like the other receipts and packages that you say you never received but I have tracking receipts that show you received the product and receipts I am trying to resolve this so I can get to a zero balance with this credit card and my other ones How can we resolve this? Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Who initiated the credit card application?? Regards, [redacted]

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Lending Club Patient Solutions credit accountWe are here to answer your questions and assist with your concernsWe understand that you paid off your balance in March, and in May you received a billing statement reflecting two late paymentsYou state that you made the payment same day and the payment was not honored until the next day which resulted in a late fee assessmentThe following month you were not sent a notice so in May you were assessed an additional late feeYou are requesting to have both late fees removed from the accountBank records indicate the online payment you made on March 20, 2017, for $was submitted at 1:a.mEastern Time (ET) which was before the cutoff timeframe of 8:p.mET for same-day processing; therefore, this payment was posted to your account on March 20, Please be advised that your account’s payment due date is the 19th of every monthThis payment was made, and posted to the account the day after it was duePlease keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementYour April billing statement went out on March 29, There is no indication of return mail on your accountI have enclosed a copy of the April billing statement for your recordsAs a courtesy, a late fee was credited in the amount of $to the account on November 16, We respectfully decline to remove any additional late feesAs of the date of this letter the account balance is $58.07, with a minimum amount of $due by May 19, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Diamond L [redacted]

Dear Ms [redacted] :We received your complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questionsYour complaint was forwarded to my attention and I appreciate the opportunity to address your concerns.We understand from your complaint that after a loss of income last fall, your account, which had a balance of about $became delinquent and the balance has increased to $As a result of the past due payments, you have received numerous telephone calls that you feel are harassing, threatening, and intimidating, and you have been advised to have your attorney contact usYou want an explanation of the additional charges and you do not want to receive further calls about this matter.Our records indicate that as a result of non-payment, the account was assessed late fees and finance chargesWhen payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementThe last purchase of $was charged to the account on October 20, As payment was not made, the account was permanently closed on January 1, 2016, for non-payment and reported as a charge-off to the credit bureausThe last payment was received on February 29, 2016, in the amount of $135.00; however, this payment was returned by your financial institution due to insufficient funds, and debited back to the account balance.Enclosed are copies of the billing statements for your records.Please understand that when an account becomes past due the Bank will make attempts to contact a customer for paymentTelephone calls may continue until the Bank is able to speak to the accountholderPer your request, a “cease and desist”, status has been placed on your accountThis cease and desist will stop all future collection callsYou will continue to receive certain legal communications as permitted by lawYour 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 BankPO Box 182273Columbus, OH 43218-2273We also reviewed the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metOur management team reviews calls and complaints of this nature and their recommendations will be followed.As of today, the account balance is $801.73, and no additional fees have been assessed to the balance since the account charged offWe encourage you to contact the Bank’s Recovery team at ###-###-####, to discuss suitable payment arrangements.We apologize for any frustration or inconvenience you experienced when contacting the Bank, and we hope this information is helpfulIf you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the GameStop PowerUp Rewards credit card.We are here to answer your questions and assist with your concerns.We understand you had problems utilizing our online Account Center, and were unable to seeaccount details or submit a paymentYou state you paid the account balance in full and closedthe account; however, additional charges were assessed to the accountYou are requesting tohave the delinquencies removed from your credit report, as they were caused by Account Centernot providing you with your account detailsFurthermore, you request to have the latest chargesremoved.Your account was registered through our online Account Center on April 22, 2017, which providesaccount holders the ability to view statements and make payments onlineAfter a review of theaccount activity, we find this was the only attempt to access Account CenterWe apologize if youwere having difficulty with the system.Please be advised that your account was not enrolled in paperless billing through Account Center.As such, billing statements were sent via the United States Postal ServiceThe last billingstatement was sent on October 25, 2017, and we do not have record of mail being returned asundeliverableTo provide the best customer service possible, we offer multiple ways to make apaymentThis information can be found on your monthly billing statement as well as online byvisiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterThe due date of the account is the 20th of each monthOur records indicate there has not been apayment made that met the criteria of an on time paymentPlease keep in mind that whenpayments are not received, are made for less than the minimum required, or are received afterthe due date cut-off time, the account will be assessed a late fee, as explained in the Credit CardAgreement.After further review, the account was closed per your request on October 18, 2017, and the finalpayment of $was madeAt that time the Bank advised you the remaining balance of $65.95would be creditedPlease be assured that there were no further charges assessed to youraccount; however, there was a delay in having the full amount credited as promisedPlease be assured, the full amount has been credited and your account balance is zeroWe apologize forany inconvenience this may have caused.There have been two instances in which you have been reported as days late to the creditagencies; June and September As a courtesy, we have submitted a request to remove thedelinquency reported in September Please allow days for the credit agencies to updatetheir records.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Diamond LongCompliance Dept– Consumer Responses

The following company has responded I do not wish for anything else -- monetarilyI still believe they need to totally disclose the fact that you can't be part of Comenity if you wish to collect rewards without using their credit cards.Thank you for your time and consideration[redacted]

Please be advised pertaining to this complaint I was advised by the agent that the restocking fee would be waved once I called back for the better modelLenovo has had multiple complaints about the model that I ordered because the change to the Querty keyboard was not communicated in the product description or the technical documentsI should not be penalized because of a design changeI’m being charged interest on an account specifically acquired for the purchase of a laptopNone was delivered and now late fees and penalties have added up to well over $

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the HSN credit cardWe are here to answeryour questions and assist with your concerns.We understand from your correspondence that you made a purchase to your HSN account in themonth of July and did not receive a billing statementYou state that you spoke to a representativethat advised that the billing cycle had not closed, however; the billing statement never arrived.You state that you recently contacted the Bank and were advised that your account had two latefeesYou noticed a late payment on your credit reportWhen you contacted the Bank you wereadvised that your account was two months past due, at that time you were also advised that theaccount is enrolled in electronic statementsYou state that you never signed up for electronicstatementsFurthermore, you are requesting the removal of the late fee, and the derogatorymarks from your credit bureau reportAdditionally, you state that you will take the hit and cancelthe account.Your account was registered through our online Account Center on January 22, 2017, whichprovides account holders the ability to view statements and make payments onlineOn January22, 2017, you enrolled in paperless statements, meaning you will receive your statements onlineversus postal mailWhen enrolled in paperless statements, we will send you a monthly StatementReadyEmail (SRE) notifying you the statement is available to be viewed.The last SRE was sent on October 6, 2017, and we do not have record of emails being returnedas undeliverable from the email address you providedIf you wish to cancel your enrollment inpaperless statements, please log in to Account Center and update this preference, or contact ourCustomer Care department at the phone number on the back of your card.We understand your concern regarding your credit reportWe have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law and will not bechanged.The account is currently open, if you would like the account closed, please contact our CustomerCare department at the number listed on the back of the HSN credit card.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responses

Response sent to consumer

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Good Sam Camping World Visa Signature credit cardWe are here toanswer your questions and assist with your concerns.We understand from your correspondence that in early fall of you were informed that a credit cardhad been opened in your name and used to purchase over $in gift cards or other merchandise.When you contacted the Bank you informed that you did not open the accountYou were informed that theBank received calls to activate the account from a mobile number that is registered to youYou state thatafter obtaining your phone records it became clear that no phone numbers registered to you made calls onthe day or times the Bank advised calls were made onYou state that the representative you worked withwas able to obtain limited personal information on you and your family and the information is being used todiscredit you and your familyYou state that the Bank is acting unlawfully to limit our credit risk exposure.You request that it be clarified why the Bank has used information to disparage your family and falselyaccuse you of opening the account.I have reviewed the concerns noted in your correspondence and would like to provide you with the followinginformation.When you spoke with the Bank’s Account Protection (Fraud) department on October 10, 2017, fraud case [redacted] was openedUpon completion of the fraud case investigation, you were found to beresponsibleA letter was issued dated January 8, 2018, indicating that based on the information availableto the Bank, part of which was supplied by you, the Bank could find no basis to support the fraud claim.Therefore, statements would continue to be forwarded to you.If you have questions regarding the results of the fraud investigation, please contact our Account Protectionteam directly at (800) 888-1726.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,KaiM [redacted] Compliance Dept– Consumer Responsescc: Revdex.com

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

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

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

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