Comenity Capital Bank

You can attach all the statements that you want Point is this was not explained until the finance charges were already there When I received the statement about paying the $to avoid charges I didn't have the money that month to pay that off and that is when I was made aware that the amount I was paying was not enough to avoid the finance charges once the second balance was added It was on Comenity behalf to lead me to believe that the minimum amount that was due would avoid these fees I always paid extra so didn't understand how I could be behind or accruing finance charges I will in no form payment a penny of these finance charges and you have been made aware of that since that first statement came out with the finance charges on it Regards, [redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Haband credit cardWe are here to answer your questions and assist withyour concerns.Your correspondence indicates you have been receiving numerous collection calls from the Bank, and youconsider this harassmentThis letter is for informational purposes to respond to your correspondence and is notan attempt to collect on this balanceWe want you to have a positive customer experience with the Bank, andwe have updated your phone number ending in *** with “Do not Call” instructions.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation and work out repayment arrangements to minimize any negative credit reporting impactsMany timesa payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to acurrent statusWe appreciate your business, and we want to share with you some options that are available toyou in this type of situation.We understand customers may experience difficulty making their payments due to economic factorsYou maybe eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term WorkoutProgramThese programs can provide customers with special terms in order to help bring the account current.If you are interested in obtaining information on whether you qualify for one of these programs, please call (800) [redacted] .Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer CreditCounseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducingthe interest rate and the minimum payment requirement and could include all of your creditorsWe support andparticipate in the programs provided by the CCCS agenciesShould you wish to obtain information regardingtheir programs and for a member agency located near you, please contact the National Foundation for CreditCounseling at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responses

Dear Mr [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues TigerDirect.com® credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you placed a call to the Bank to discuss a letter received from the Bank regarding the credit-reporting of the account You state that previously, in January 2016, set up a payment plan to settle this account, and were advised if you kept this arrangement then the account would be discharged and the account would not report as a “charge off” on your credit file However, after reviewing your credit file, you found that the account was reporting as a “charge off” At that time you called the Bank and spoke to a representative to have the “charge off” status on your credit file removed You state that the representative you spoke with advised you that the account was written off and the “charge off” status could not be removed You also state that the representative was matter of fact and was not helpful Additionally, you state that after speaking to another representative, she advised you to dispute this “charge off” reporting, and supplied you with the address to have this updated The Bank has reviewed the issues in your complaint, as well as the applicable telephone conversations We apologize if you felt that you did not receive the best customer service It is never the Bank’s intention to treat our customers in a less than satisfactory manner Comenity Bank is committed to providing the best customer service, and is disappointed when a customer feels that this standard was not metIt was a pleasure speaking with you on September 28, Per our discussion, I advised you that Comenity Capital Bank is reporting the above-referenced account as “settled, paid for less than the full balance”Comenity Capital Bank is required by law to report factual data to the credit bureaus with regard to account activity A recent review of the information being reported for your TigerDirect.com® credit card account did indicate a discrepancy To address your concern, we have updated our records and notified the credit-reporting agencies of the changes that need to be made to your credit report Please allow days for their records to be updated Please understand that the charge off status is correct; however, the reporting does indicate that the account is considered paid in fullWe hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S***

Please accept my sincere apology for my delay in responding to the above; the reason being I've been incapacitated due to a serious case of bronchial-pneumonia.Thank you for your immediate response and involvement in my case, which resulting in my receiving a letter of apology from HSN - Comenity Capital Bank, along with a reimbursement check for $i consider this to be fair and reasonable and wish to state in writing that I am completely satisfied with the resolution of this matter and I comply with your office that it be closed.However, I request that you please upgrade your closed files to show receipt of this belated letter expressing my appreciation for Revdex.com's concern and efficiency regarding my complaint with HSN-Home Shopping NetworkIt is most reassuring to me, the consumer, to know the Revdex.com is there for me in the interest of principle and fair-play, whether it be a small or large complaintMy hope is that mine will serve as a positive reminder for better business practices.Sincerely, [redacted]

.....Please see attached response

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 concerns.We 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 you with your American Laser Skincare credit account.We 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 StatementIf 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 mistakeYou 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 question.While 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 limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf 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 purchase.What 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 refundSince you fully paid for the purchase at the time you submitted your dispute, you had no remaining amount due that we can forgive.We apologize for any inconvenience this matter may have caused youShould you have any additional questions or concerns, please contact me at 1-800-675-5685, ext [redacted] (TDD/TTY 1-888-819-1918)I would be happy to assist you

Dear [redacted] Thank you for contacting Comenity Capital Bank regarding the above-referenced account As the bank that issues your J.Jill credit card account, we are here to help with your questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that your payments were not being applied to the above-referenced account You are requesting that the Bank provide you with full accounting of the charges, and payments and update your credit report I am happy to share my findings with you.Our records indicate that the concern regarding payments not being applied to your account was previously responded to on December 3, Enclosed is the previous response for your records.Please find a summary of your J.Jill account below I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balancePlease understand that the payments were not applied to the correct account, because the payments were remitted with your previous J.Jill account number As stated in our letter dated December 3, 2015, all of the missing payments, totaling $408.00, have now been applied to the correct account However, these payments did not satisfy the amount owed for purchases you have charged to the account Please review the enclosed statements The billing statement issued on February 21, 2015, indicates a balance of $ The billing statement issued on March 24, 2015, includes new purchases of $ Your previous balance of $plus the new charges of $brings your balance to $ Subtracting the payments of $leaves an amount due of $336.09.As indicated in our response dated December 3, 2015, if you pay $336.09, we will remove the account from your credit report, and you will not be held responsible for the remaining balance of late fees and finance chargesWe value you as a customer and sincerely apologize for any confusion or inconvenience If you have any further questions about your account, or you would like to process a payment to resolve the balance, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Renee S***

Dear Mr [redacted] : We have received your recent complaint, sent to the Revdex.com, regarding the above-noted accounts Comenity Bank issues each of the accounts listed above, and we are here to help answer your questions I appreciate the opportunity to assist you I understand your concern regarding the closure of the above-mentioned accounts, and that you are requesting we restore your Limited and New York & Company accounts I apologize for any frustration or inconvenience you have experienced as a result of this matter Please understand that our Account Protection Team monitors all open accounts using pre-determined, proprietary risk scoring models During a recent review, your accounts were closed until further verification could be obtained from you Unfortunately, the Bank was unable to verify your identity during a telephone verification call As such, each of the above accounts was closed You will continue to receive a monthly billing statement for each account until any balances are paid in full We hope you find this information to be helpful Should you have any further questions regarding your accounts, please contact the Account Protection Team directly at ###-###-#### (TDD/TTY ###-###-####) They will be happy to assist you Sincerely, Melissa L [redacted] _____________July 24, Dear Mr [redacted] : We have received your recent complaint, sent to the Revdex.com, regarding the above-noted account Comenity Capital Bank issues the account listed above, and we are here to help answer your questions I appreciate the opportunity to assist youI understand your concern regarding the closure of the above-mentioned account, and I apologize for any frustration or inconvenience you have experienced as a result of this matterPlease understand that our Account Protection Team monitors all open accounts using pre-determined, proprietary risk scoring models During a recent review, your account was closed until further verification could be obtained from youUnfortunately, the Bank was unable to verify your identity during a telephone verification call As such, the above account was closed You will continue to receive a monthly billing statement for the account until the balance is paid in full We hope you find this information to be helpful Should you have any further questions regarding your account, please contact the Account Protection Team directly at ###-###-#### (TDD/TTY ###-###-####) They will be happy to assist youSincerely, Melissa L [redacted]

I am forwarding this email (now the second email) from Forever I no longer have an account with them, closed it on June 6thI do though have a $late charge - which I am disputingForever 21's website was inaccessible - the reason for my late paymentThey have lost me as an on-line, and in store customerApparently they don't want to acknowledge that their website wasn't accessibleAs far as I am concerned - my relationship with Forever has come to an endI hope it was worth the $Thank you,Susanna Ungaro LMT, NCTMB917-560-7011theartofhealingnyc.com

From: Laura Rhoades [mailto:[email protected]] Sent: Tuesday, January 17, 11:AMTo: [email protected]; [email protected]: Extension Request for Complaint Received [ ref:_00D50JV5F._50050rPsQU:ref ]Hi Catherine, Comenity Capital Bank received the complaint ID for Beverly HelsingIn order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 01/24/Please let me know if this extension date is not approvedThank you,Laura RhoadesCompliance Dept- Consumer ResponsesLaura RhoadesCustomer Response Advocate, Complaints Management | Compliance Comenity Capital BankLoyalty Circle, Columbus, OH 43219Office: (800) 820-8932ref:_00D50JV5F._50050rPsQU:ref

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Virgin America Premium Visa Signature accountWe are here to answer your questions and assist with your concerns We understand from your complaint, the Bank sent a credit application to an address you do not occupyYou state the Bank failed to complete a credit bureau review to obtain current informationThe application was approved, and the account was opened with a high credit limitThe Bank then notified you, at your current address, that the credit card had suspicious activity, and would be suspendedYou state the account was not suspended and purchases continued to be approvedYou have received a bill for the fraudulent accountYou request the Bank to pay for the past three months, and for the next seven years, of credit monitoring, remove the account from your credit report, and send an apology indicating that you are not responsible for the chargesI am happy to share my findings Bank records indicate the account was opened November 29, 2016, in the name [redacted] , via web prescreenPlease be advised that you were selected for this prescreen offer based upon information in your credit report, which satisfied the Bank’s criteria for creditworthinessThe account was opened with a credit limit of $7, A letter was issued on December 22, 2016, advising that the account revealed potential security concerns and/or irregular credit card transactions, and that utility was suspended pending completion of our investigationRegrettably, the notation to suspend utility was not completedWe apologize for any frustration this matter may have caused Please be advised, per the letter dated April 11, 2017, the account was permanently closed, and you are not being held responsible for the accountAdditionally, notification was sent to the credit bureaus to remove the account, in its entirety We respectfully decline your request for credit monitoring compensation 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]

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the Diamonds International credit cardWeare here to answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Better Business Bureau, that youpurchased a watch, in the amount of $4548.00, while on vacationUpon receiving your statement,you noticed that you were charged for two watches and the balance on the account was $9096.00.You are requesting that the balance is corrected to reflect the purchase of one watch for $4548.00.Additionally, you state that the first payment is due July 21, 2017, and you have sent $400.00.We received your dispute on July 12, 2017, in the amount of $for a watchPlease beassured our dispute resolution team is currently working to resolve your disputePlease also beaware, 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.In regard to the payment of $400.00, please be assured this payment was applied to the accounton June 14, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact customer care at the phone number on the back of your credit card or billingstatement.Sincerely,Renee S*Compliance Dept– Consumer Responsescc: Revdex.com

If you look back at my original message I indicated clearly that I have not been contacted for over a year to be told that my balance is overdue and a finance charge has been addedI have not received any statements or emailsChanging the banks from [redacted] to the current lender has slowed things down even more The response that I received from the bank now only states that the balance and the finance charges are validThey may be valid in their opinion but in the settings of what happened and in comparison to every single other bank in the country or even in the world this is not acceptableYou cannot charge a person a full charge of 30% without even sending him a statement or contacting him to see what is wrong with himWhat if this person has diedEvery other bank in the country contacts me if there is even one over due charge Or a late payment specially if I'm used to paying them continuouslyThis never happened with this lender and the only reason I knew about it is I just wanted to check my balance So I do not accept this response thank you Regards, [redacted]

Dear Ms [redacted] 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 believe you made a payment on March 2, 2015, in theamount of $200.00, but the payment did not post to your accountYou contactedPayPal Credit and sent bank statements showing the March 2, 2015, ACHPayPalCredit replied stating $payments were taken by ACH on February 27, 2015, andApril 8, 2015, these payments were reflected on your statementsYou are requestingcredit for the $payment that was withdrawn from your bank account on March 2,2015.On June 1, 2015, PayPal Credit received your prior correspondence and copies of yourchecking account withdrawalsYou stated that $was debited from your CENTchecking account on March 2, 5, by PayPal/Echeck [redacted] but the paymentwas not credited to your PayPal Credit accountIn a letter dated June 2, 2015, youwere informed by PayPal Credit that your $payment posted to your account onFebruary 27, 5, and is reflected on your monthly statement dated March 11, 2015.Upon receipt of your present complaint, PayPal Credit submitted your account forfurther researchWe found that on Friday, February 27, 2015, you scheduled a$payment to PayPal Credit through your PayPal account and selected your [redacted] checking account as your funding sourcePayments arecredited to your PayPal Credit account on the date they are scheduled and this paymentwas scheduled for February 27, 2015.Please note the $payment did not clear your [redacted] checkingaccount until the following business day, Monday, March 2, PayPal Credit doesnot process payments on weekends or holidays, but you will receive credit for paymentsreceived on those daysAs a result, this payment was credited to your account onFebruary 27, PayPal Credit's records do not reflect any payments scheduled onMarch 2, 2015, for your account; therefore, there are no outstanding payments to beapplied to your account.As of the date of this letter, your account is closed with a balance of $7,Yournext minimum payment of $1,is due by July 8, 2015.We hope this letter explains and resolves this matter.Sincerely, [redacted] Compliance Dept- Consumer Responses

I dont agree with the decision Comenity Bank is makingI had explained in my initial complaint that the first time the amount was disputed and that they refunded part of it not considering the fact I had already made $in cash and four payment to them totalling $for service I havent recievedAttached you will find a copy of their request to me to reply to the second dispute that I started mid Sept,The letter is dated Sept 19thI replied to them with all they requested in writing and a copy of the letter I sent to them is also attached and is dated Oct 2ndI had explained all they asked for in writing for the second time and they still neglected the fact that I did not get any service and didn’t considrer any refund even if partialThey only went ahead by refunding the late fees that they charged me for not making any paymentThey replied to me once again by sending the same exact letter that is date Sept 19th but dated it OCT 19th and not making any changes My service with ALS was basically a full body lazer treatments untill hair growth is stopped and post treatment if necessary, of which I only got one and a partial treatmentsI still have hair all over my body and no service was doneIn addition to a“complimentary” package of facial treatments that I was going to use one before my wedding that they never did because they told me my skin will be irritated and they didnt recommend it before the weddingSo I held off on it till after my honeymoon and thats when the company immediately closedI am also attaching a copy of the reciept of the payment I made in cash using my debit/visa card and a copy of the aggrement I signed with them This is all the papers I was able to find beside the HIPPA copies and the patient privacy and patients responsibilities Comenity Bank should have all the payments I made on the statments from Sept untill Dec of the payments should show the total amount I paid of $in addition to the $I disagree wit the decision they are making by asking me to pay the remaining balance of $I refuse to pay this amount for service I didnot recieve and I am willing to sue them if its necessaryI would totally pay it for a lowyer to fight for me if they wont consider that they are being not fair to all those customers who were affected by the closure of ALS It is not our fault ALS took their money and went bankruptcy Last I have to say to end my statment , I am willing to pay the minimum due on the last billing statemetn I recieved , which is $214, if they are willing to resolve this case and refund the rest and close the accountRegards, [redacted] ***

Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues DRAPER’S & DAMON’S credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youYou state that you made three separate purchases You purchased one silver necklace and a black/ivory jacket totaling $98.07, on September 14, 2015, or September 17, 2015, and payment for this purchase was made using your debit card You also purchased a black tiered dress for $which was ordered in September 2015, arrived in store in October 2015, and was paid by check on October 12, The third purchase was a brown mesh jacket, a brown T, and two necklaces (aqua and brown) for $199.48, and this purchase was paid by check on November 18, Although you have contacted the Bank on several occasions by phone and by mail to resolve this matter, your attempts have been unsuccessful We sincerely apologize for any inconvenience or frustration this matter may have caused you Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Please note, Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that It is never the Bank's intention to treat our customers in a less-than-satisfactory manner We have reviewed your account, and we are happy to share our findings We have enclosed copies of your monthly billing statements for your review Our records indicate that the above-referenced account was opened on September 14, On September 14, 2015, a purchase of $posted to the account On October 2, 2015, a statement was issued reflecting a balance of $98.07, and a minimum payment of $due by October 28, As no payment was received, a late fee and a finance charge were assessed to the account, pursuant to the terms and conditions of the Credit Card Agreement (CCA)On October 14, 2015, a purchase of $posted to the account On November 12, 2015, a late fee credit of $posted to the account On November 24, 2015, a payment of $posted to the account On December 30, 2015, a letter was sent from the Bank’s Billing Dispute team advising that only one purchase of $posted to the account, no payment of $had been received, and to please send in a copy of the front and back of the cancelled check We have enclosed a copy of this letter for your reviewOn February 16, 2016, we received a fax from your son [redacted] ***, which included information regarding the payment of $ Please be assured, the payment of $has been credited to your account, and additional credits totaling $have been issued to remove the previously assessed late fees and finance charges As of today’s date, the account balance is zero Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the DRAPER’S & DAMON’S account, from your credit bureau report The Bank can confirm that this information has been updated in their records 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-referencedaccountComenity Capital Bank issues the HealthiPlan credit accountWe are here to answer yourquestions and assist with your concerns.We understand from your correspondence that you felt pressured into buying hearing aidsAt the timeyou made the purchase, you provided a bank card to be placed on file and believed you were enrolledin an option for autopayYou state that all of your bills are auto pay, and you do not answer calls fromtelephone numbers you do not know, so you had no communication with the Bank for some time.Upon receipt of a letter from the Bank four months later, you immediately attempted to remedy thismatter by making a paymentYou further state you had been throwing out mail from the Bank, as youdid not know who these letters were fromWhen you spoke with the Bank, you were told the Bankdoes not offer autopay; however, you could leave a new card on fileYou have received over eightmonths of $fees, which you feel you do not deserveYou are requesting to have the feescredited, an autopay system instituted, and better communication from the Bank.We are sorry that you feel you may have been discriminated againstPlease be assured ComenityCapital Bank does not take age or any other prohibited basis criteria into consideration when makingcredit decisions.closed are your billing statements and the promotional plan details also on the signed sales agreement, for your review.Please note Comenity Capital Bank, HealthiPlan, and Miracle Ear Hearing Aid Center are all separateentitiesThe Bank issues and is responsible for addressing questions related to your credit account.HealthiPlan assists with financing and payment arrangements for elective hearing solutionsMiracleEar Hearing Aid Center is responsible for handling matters related to services provided.The above-referenced account was opened on March 9, On March 17, 2017, a purchase of$6,posted to your account and was placed on a 60-month low annual percentage rate (APR),equal payment plan that will expire on March 24, Purchases on this plan will have a lower APRthan the regular revolving APR and will have minimum payments of the same amount each month.Please be advised that if the promotional plan balance is not paid in full by the plan end date, theremaining balance will be assessed interest at the regular revolving APR.We have enclosed copies of your monthly billing statements, signed sales agreement, and disclosures,for your reviewPlease keep in mind that when payments are not received, are made for less than the minimumrequired, or are received after the due date cut-off time, the account will be assessed a late fee, asexplained in the Credit Card Agreement (CCA).Furthermore, late fees assessed to the account are part of the revolving balanceAny time a revolvingbalance is carried over from one month to the next, interest will be assessed on that balanceIf youraccount is assessed interest, the charge will be no less than $2.00, as explained in the CCA.When an account is delinquent, we will make proactive attempts to contact the customer, communicatethe situation and work out payment arrangements to minimize any negative credit reportingManytimes a payment is overlooked, and reminder calls or payment discussions are helpful to bring theaccount back to a current status.To provide the best customer service possible, we offer multiple ways to make a paymentChoose apayment method that's right for you.Online: Online payments submitted through the Bank’s online Account Center before 8:p.m.Eastern Time (ET) will be credited to your account on the same day, unless you select a date in thefutureOnline payments submitted after 8:p.mET will be credited the following day (or on a futurescheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billing statement.We recommend allowing up to days for the payment to arriveIf you’re a paperless customer, printout a payment stub on the online account management site so your payment is processed as quicklyas possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the backof your billing statement before 8:p.mET to speak to a customer care representativeA fee mayapply 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/CustomerResourceCenterPle...⇄ note that at this time we do not have the capability to set up auto-pay payments for youraccountWe apologize for any frustration or inconvenience this may cause youPlease note that youmay be able to set up automatic payments through your personal financial institutionWe recommendcontacting your bank to see what options are available to best suit your needs and to see if you canhave this account set up for automatic bill payment through your bank’s bill payment program.We understand your concern regarding your credit report, and the Bank fees assessed to the accountWe have verified we are reporting the account correctly to the credit reporting agencies as we arerequired by law.The Bank respectfully declines your request to remove the fees, as they are valid.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,Laura R [redacted] Compliance Dept– Consumer Responses

Dear [redacted] We have received the complaint regarding the above-noted accountComenity Capital Bankissues HealthiPlan credit accounts, and we respond to all account-related concernsYourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the opportunity to assist you.In your complaint, you state that your purchase with [redacted] was placed on a monthdeferred interest plan and that no interest was to be assessed to your account if the balance waspaid in full by May 26, You further state that you sent in a payment of $on May 20,This payment was to pay the balance in full; however, your account was assessed thefinance chargeYou are requesting that the accrued finance charge assessed to your accountbe waivedI understand your concerns and apologize for any inconvenience or frustration thismatter may have caused you.Our records indicate that on May 22, 2015, a purchase of $2,posted to your account andwas placed on a 12-month deferred interest, payment required plan that was set to expire on May22, For purchases on this plan, the customer is required to make payments on thepromotional plan balance based on the standard repayment terms for their accountInterest isaccrued (calculated, but not added to the balance) and if the balance is not paid in full by the planend date, the accrued finance charges, which were calculated from the date of the originalpurchase, will be added to the deferred balance, and this balance will be moved to the customer’srevolving balancePlease be advised that information regarding your promotional plan appearedon your monthly billing statements, under the heading, “details of your plans”I have enclosedyour billing statements for your review.Please be advised that a statement was issued to you on May 1, 2016, showing a balance of$with a minimum payment of $due by May 27, Under the “details of yourplans” section of your statement, it stated that the promotional balance of $needed to bepaid by May 22, 2016, to avoid the accrued finance charge.The Bank received your payment of $on May 22, Please be advised that thepayment did not pay your promotional balance in fullAs a result of the promotional balance notbeing paid in full by the plan expiration date, the accrued interest of $was assessed toyour account on May 22, 2016, and the remaining promotional balance of $was moved torevolving, which is subject to monthly finance charges.Comenity Capital Bank did not find any errors with the account; therefore, we are unwilling toremove any fees, as they are valid.Your account balance is $with a minimum payment of $due by August 27, 2016.Please be advised that your account is currently two consecutive billing periods past dueShouldyour account exceed six consecutive billing periods past due, your account will be permanentlyclosed, written-off and reported to the national credit-reporting agencies as an unpaid debt.We hope this information is helpfulShould you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***

I have paid the entire balance off and my credit report is still showing the delinquent balance and being in collections amountThis violates the Fair Credit Reporting Act because Comenity has failed to properly correct inaccurate dataI am requesting that the collection agency be updated immediately to have the collections removed from my credit reportI am also in the process of contacting the FTC due to Comenity violating the Fair Credit Reporting Act and my attorney will be proceeding with filing a lawsuit for damagesFurthermore, I like to notate that Comenity has also violated the Revdex.com regulatory guidelines by failing to make any contacts using all resources providedI work in regulatory compliance and am aware of the legal required number of contact methods that all companies must follow in order to meet the Revdex.com regulatory guidelinesThe fact that KaiM [redacted] failed to meet these obligations is profoundSo no I do not find this information to be helpful because Comenity has done nothing but state their policy and failed to act accordingly to with addressing the concerns

I am still expected to pay cumulative late charges each month in addition to a cumulative $charge each month until the account is paid off in November for a $charge that I was not notified was assessed after being told by Comenity that it would be reversed So I am being penalized for a $charge I was not made aware of and was assessed due to Comenity's error Why would this satisfy me? If I were to accept this decision, I would be paying a $late fee and an additional $each month until November for something I had no control over Does that even seem reasonable?