Comenity Capital Bank

Dear Ms [redacted] We received your complaint submitted to the Revdex.com regarding the above-referenced account.As the bank that issues Blair credit card accounts, we respond to all account-related questionsYourcorrespondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you had a balance of $on your Blair accountYou sent acheck for this amount, in a timely manner, believing your account was paid in fullYou later received astatement for a balance af $50.00, including a returned payment of $and a returned payment fee of$You called your bank and received confirmation you were not overdrawnYou then called ComenityCapital Bank and you were not satisfied with the resultsYou would like the $taken off of your bill, and tohave a zero balance.Thank you for speaking with me on August 4, 2015, Per our conversation, the payment processed viatelephone on June 17, 5, for 530,was returned to us as "unable to locate"This will occur if an incorrectrouting or account number are provided or mis-keyedAdditionally, please understand, if incorrect accountinformation is entered, your financial institution would have no record of the payment, This payment wasdebited back to your account, along with a $returned payment fee.In the interest of customer serviceI have issued credit for the returned payment fee of $20.00, as a one-timecourtesyI have also issued credit for the previous $pay by phone fee.Your payment of $was processed on August 4, 2015, and, as of the date of this letter, your account isopen with a zero balance.Additionally, the Bank has reviewed the issues in your complaint, as well as the applicable phoneconversationsWe apo!ogizs if you felt that you did not receive the best customer serviceIt is never the Bank'sintention to treat our customers in a less-than-satisfactory mannerComenity Capital Bank is committed toproviding the best customer service and is disappointed when a customer feels that this standard was not met.I hope you have found this information to be helpfulShould you have any additional questions, please do nothesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy toassist you.Sincerely,Amanda R [redacted]

Dear Ms [redacted] Thank you for contacting Comenity Capital Bank As the bank that issues HSN credit card accounts, we respond to all account-related concerns Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from the complaint, a charge of $has been applied to your HSN credit card account, without your knowledge, by Comenity Capital Bank As a fair resolution, you wish to no longer be responsible for making your credit card payments and to get rid of the credit card account We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matterWe have reviewed the account and we are happy to share our findings Bank records indicate that your HSN account was opened on November 4, 2008; use of the account or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the monthly interest rate Bank records further indicate that your HSN credit card account is a regular revolving account with an annual percentage rate (APR) of 26.99% Each month that the account has an unpaid balance, a finance charge will be assessed at the end of each billing cycle, pursuant to the CCA To avoid having additional finance charges assessed to the account, please remit a payment of $3,857.25, on or before November 15, 2015, for the account balanceIf you are not able to remit a payment for the balance in full, we encourage you to contact the National Foundation for Credit Counseling at ###-###-####, to obtain information regarding the programs offered by Consumer Credit Counseling Service (CCCS) CCCS programs can provide options such as reducing the monthly interest rate and the minimum payment requirement, for all of your creditors Comenity Capital Bank supports and participates in programs provided by Consumer Credit Counseling Service (CCCS) organizationsPlease be advised, your HSN credit card account has been closed, per your request If your intention was not to close the above-noted account, please contact me within days from the date of this letter and I will be more than happy to reopen the account We value you as a customer If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Lauren S [redacted]

TThey still are refusing to address the issue that the return was made due to an error on their part, not mineI did not order the wrong size, their order taker didWhen I immiatrely brought the mistake to their attention, I was told I would not be resposible for a return feeInstead of honoring their promise to me, they insist they are not at faultI have been a long time customer of theirs for many years but I will no longer continue to do business with a company as dishonest & uncaring as they areIts a shame that I cant find someone who understands what happened & accept responsibility Regards, [redacted]

Dear [redacted] We received your complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card account Comenity Capital Bank issues the GameStop PowerUp Rewards™ credit card accounts, and we respond to all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from your complaint that you are receiving collection calls from the Bank, that the above-noted account continues to assess unwarranted late fees, and that you are disputing the validity of the debt owed on the GameStop PowerUp Rewards™ account You are requesting that the Bank correct your credit report and remove all unwarranted fees We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that we have reviewed your GameStop PowerUp Rewards™ account, and we are pleased to share our findings below Bank records indicate that the GameStop PowerUp Rewards™ account was opened on November 20, 2014; use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees On November 20, 2014, a purchase of $was applied to the account, and was placed on a 6-month deferred interest payment required plan, due to expire on May 23, As agreed upon at the time of purchase, no interest would be assessed to the account, should the balance of your promotional plan be paid in full as of the scheduled ending date On May 23, 2015, the above-referenced promotional plan was not paid in full; therefore, finance charges totaling $were applied to the account Please note, information about your promotional plan was provided to you on your monthly billing statements in the “details of your plans” section Specifically, accountholders are instructed that should a balance not be paid in full, accrued finance charges, dating back to the original date of purchase, will be assessed to the account Our records further indicate that payment was not received by the January due date Additionally, no payments were received for March, April, and May 2015; as such, late fees and finance charges were applied to the account as explained in the CCA Furthermore, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we 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 For your review, we have enclosed a copy of the CCA, a copy of the sales receipt provided by GameStop PowerUp Rewards™, as well as a copy of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus Although there were no Bank errors, in the interest of customer service, we issued credits totaling $for the previously assessed Bank fees; a credit of $was issued on January 30, 2015, and credits totaling $were issued on April 26, Please be advised that these adjustments were made as a one-time courtesy, and we are unwilling to remove any additional charges Lastly, please be advised that Comenity Capital Bank reports the same information to each of the national credit-reporting agencies A recent review of the account did indicate some reporting discrepancies We have sent notification to the credit-reporting agencies of the changes that need to be made; however, the payment history is accurate and no changes will be made regarding the reported delinquencies for March through May As of the date of this letter, your account has a revolving balance of $with a minimum payment of $due by June 20, We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist

Dear [redacted] : Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Haband 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 you.You state in your complaint that you ordered some clothing from Haband and when it arrived, you immediately returned the product using the return label provided in the original packaging You further state that you received a phone call from the Bank in October 2014, attempting to collect on the past due amount Although at the end of the conversation you understood the matter to be closed, with no further action required by you, you continue to receive collections calls You are requesting the account balance be credited We sincerely apologize for any inconvenience or frustration this matter may have caused you.Please understand that Comenity Capital Bank and Haband are two separate entities Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping.Additionally, 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 label for the return, your account is billed $for the cost of the return shipping.On September 25, 2015, Haband issued a credit of $to remove the shipping and handling charge and the return label fee In the interest of customer service, the Bank has issued credits totaling $to remove the late fees, and finance charges which were previously assessed As of today’s date, the account balance is zero.Due to this account being reported as a charge off, on September 10, 2015, Comenity Capital Bank sent a request to the credit bureaus to delete the Haband account from your credit report We can confirm that this information has been updated, and is no longer appearing on your credit bureau report.We hope you find this information helpful If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Laura R [redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Overstock Store credit cardWe are here to answer your questions and assist with your concerns You state your check in the amount of $2,was not posted to the correct accountThis check was sent by Navy Federal Credit to Comenity Capital BankYou are requesting to have the $2,credited to close the account as originally intended The Bank also received your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matterPlease find enclosed a copy of our response dated April 10, Your account is open and is in good standingIf it is your intention to close the account, you may contact the Bank’s Customer Care team at ###-###-####, (TDD/TTY ###-###-####6) I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosure

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the Ultamate Rewards credit cardWe arehere to answer your questions and assist with your concerns.In your correspondence you state you opened a credit card and paid the bill the day that it wasdue; however, the payment was not processed until the following dayYou received a bill with alate fee and interest added, and you paid the bill in full againMonths went by and you didn’t hearor receive anything from the BankThen you received a final notice with several months of Bankfees added onYou called Customer Care and the representative advised there was nothing hecould do, since the bill was paid lateYou talked to a supervisor and state you were advised itwas the Bank’s error and she would zero out the balanceThen you started receiving collectioncalls stating the account was past dueYou explained the situation and the representative statedthey would take care of your accountAt this time you requested your account to be closedLateron the same day you received an additional phone call, you again explained to the representativewhat took place earlier in the day, the representative stated she sees the notes on the account,and would escalate the account to a supervisorThe following month you received another billwith additional feesYou called and the call was escalated twiceYou requested the account tobe closed, and the representative advised you he would fix the accountLater you received aletter in the mail stating the account had been closed; however, there was still a balanceAnotherphone call took place and you were advised by a representative they were not able to assistYouare requesting the Bank update your account and credit bureau, and you want full credit for whatyou have paid on the account.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversationsWe apologize that adjustments were not completed as promisedComenity CapitalBank strives to provide excellent customer service and we are disappointed when that standardis not metPlease be assured matters of this nature are forwarded to management, so additionaltraining can be provided to our associatesYour opinion of our service is important to us, and weappreciate you bringing this matter to our attention.Please be assured notification was sent to the credit reporting agencies with instructions toremove the delinquencies that were reported for the accountPlease allow days for theirrecords to be updated.We respectfully decline your request to be refunded for the payments made to the account.However, the Bank adjusted the remaining balance which resulted in a credit of $A refundcheck has been issued and should be received in 7-days.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,Alyson FCompliance Dept– Consumer Responses

Dear Mr [redacted] Thank you for contacting Comenity Capital Bank regarding the above-referenced account As the bank that issues your HSN credit card account, we are here to help with your account-related questions Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you never purchased anything, nor applied for a credit card from this company Additionally, you state that you are receiving calls from Comenity Capital Bank and are requesting the calls to stop I am happy to share my findings with you Please be assured that a “do not call” status was placed on the telephone number ending in [redacted] as requested The calls should have stopped by now After a thorough review, our records indicate that a HSN account was opened on September 29, 2014; in the name of [redacted] The last purchase of $was made on October 2, 2014, and the last payment of $was received on June 11, Use of the account or failure to close the account within days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Please find a summary of your HSN 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 balance and delinquencies which are reporting to the credit bureaus As of the date of this letter, the account balance is $with a payment of $due by August 12, If the minimum payment is not received by the due date or is less than the minimum due, a late fee and finance charge will be assessed to the account in accordance with the CCA We hope this information is helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Renee S [redacted]

Consumer called Revdex.com and said she has been able to resolve the matter directly with the business and considers issue closed

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Blair credit card. We are here to answeryour questions and assist with your concerns.We understand from your complaint that you are being harassed, you state that you... returned theitems back to Blair and that the shipping and return were free. Furthermore you state that youreceived a billing statement stating that you still owed $10.00 for the return and $45.00 on thecredit card. You are requesting that the phone calls stop.We have reviewed your account, and we are happy to share our findings.Please note that Blair and Comenity Capital Bank are separate entities. The Bank issued and isresponsible for addressing questions related to Blair credit card accounts. Blair is responsible forhandling matter related to sales, merchandise processing, returns and shipping.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status.Blair’s VIP Plus program is an optional service offered through Blair. This program offers a specialintroductory price of $1.99 for the first 30 days, and if the customer does not call to cancel themembership within the first 30 days, the membership fee of $14.97 is automatically billed to theaccount each month. Cancellation may be made at any time with no further obligation.Our records indicate that the above-referenced account was charged for one Blair VIP Plusmembership fee at $14.97 and one introductory charge of $1.99. Blair has confirmed that yourBlair VIP has been cancelled and have refunded a total of $16.96. In the interest of customerservice, the Bank has issued additional credits totaling $95.62 to remove the previously assessedlate fees and finance charges.Although there are no Bank errors, in the interest of customer service, notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquency, with regard to your Blair account. Please allow the credit-reporting agencies 45 days to update their records.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Rosa M [redacted] Compliance Dept. – Consumer Responsescc: RevDex.com

Dear [redacted] : We received your complaint, submitted to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues MY BJ’S Perk’s World MasterCard® accounts, and we are here to assist with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from the complaint that in April of 2016, someone applied for several accounts in your name You state there have been five fraudulent accounts opened with Comenity Bank You state that you reached out to the Bank numerous ways and sent the paperwork in by the middle of May, to confirm the purchases were fraudulent You state as of July 16, 2016, you received bills indicating you are responsible for these charges In addition, the Bank has posted that at least two of the accounts on your credit-report are past due We apologize for any frustration this matter has caused you Please be advised that fraud investigations can take up to days to complete Please be assured our Account Protection (Fraud) team has closed your fraud case# 20160506-as of July 20, The Bank sent you written notification as of this date, advising that a request was sent to the credit reporting agencies to remove the accounts in its entirety from your credit report Please review the enclosed letter Please feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####) with any questions or concerns and reference the case number aboveThey will be happy to assist you Sincerely, KaiM [redacted]

Dear [redacted] We have received your correspondence sent to the Revdex.com (Revdex.com) regarding PayPal Credit, which 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 correspondence states you received a bill from [redacted] [redacted] collecting on behalf of Comenity Capital Bank, for a PayPal Credit account that you are unfamiliar withYou are requesting information about the account and to have any inaccurate information removed from your credit reportPayPal Credit’s records reflect that your PayPal Credit account was opened on October 5, 2015, with your purchase of $4,to fund the down payment of a timeshare with [redacted] ***)In order for a PayPal Credit purchase with WVR to post to a PayPal Credit account, the consumer must receive and read the Terms and Conditions and initial and execute the “Acknowledgment of Application for and Use of a PayPal Credit Account” (Acknowledgment)PayPal Credit’s records show you initialed and executed the Acknowledgment on October 5, As such, you agreed to the following statement, “I acknowledge that I have received the Terms and Conditions of the PayPal Credit Payment System document and I understand and agree to all the terms contained in the document.” Your purchase qualified for “No Payments + No Interest if paid in full in months” promotional financing until May 7, This purchase did not require a minimum monthly payment, and as long as the promotional balance of $4,was paid in full by May 7, 2016, you would not receive any interest chargesNo payments were received and when your promotional financing expired on May 7, 2016, you were charged accrued deferred interest in the amount of $on May 10, PayPal Credit’s Terms and Conditions state, in part, "If you do not pay the balance in full by the Expiration Date, you will be charged interest from the transaction posting date." On May 25, 2016, PayPal Credit received a refund in the amount of $4,from [redacted] and the refund was applied to your account; however, a balance of $remained on the accountOn June 10, 2016, your account became past due and subsequently charged-off on December 11, with a balance of $Please note, during this time, on July 26, 2017, PayPal Credit found returned mail for your account billing statements and as a result, PayPal Credit issued credits to your account totaling $for late fees and finance charges that had previously assessedBeginning December 15, 2016, your account was referred to [redacted] ***), in an attempt to collect the past due balance on your accountOn February 27, 2017, you called [redacted] in regard to a letter you received and stated you never had a PayPal Credit accountAlthough you spoke with multiple [redacted] representatives, the call was disconnected before any investigation was able to be initiated regarding the accountUpon receipt of your correspondence, PayPal Credit reviewed your account for fraud and did not find any suspicious activity in connection with your accountPlease be assured, the entire purchase was refunded by ***; therefore, PayPal Credit waived the deferred accrued interest charges from May 10, 2016, as well as late fees and interest charges that subsequently assessed to your account since the returned mail fee waiverAs a result, an additional $in late fees and $in interest charges were waivedAs of the date of this letter, your account has a zero balance, and you will no longer receive collection phone calls or noticesIn regard to your concern about negative credit reporting, please note that aside from the initial credit inquiry when your account was opened, PayPal Credit does not report the status of your account to the credit reporting agenciesAs of today’s date, March 8, 2017, your account is closed with a zero balanceWe hope this letter explains and resolves this matterSincerely, Jennifer P [redacted]

Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria's Secret Angel credit cardWe are here to answer your questions and assist with your concerns I understand you have been logging into the Bank’s online Account Center on the first of each month to pay the remaining amount of your minimum paymentHowever, you state there is a lag in the Bank’s website not posting your payment the same day, and you are being assessed late feesYou request the late fees be removed, as they should not have been assessed in the first place Please be advised, the due date on your account is the first of every monthKeep in mind 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 Agreement Bank records indicate you logged into Account Center on March 2, 2017, and submitted a payment of $Since the payment was not made by your due date of the first, a late fee was assessed A billing statement was issued on March 6, 2017, indicating a minimum payment of $due by April 1, A payment of $was received on March 15, 2017, and $was received on March 28, 2017.On April 3, 2017, you logged into Account Center and submitted a payment for the remaining $However, the full $minimum payment was not received by the due date; therefore, a late fee was assessed Our records indicate a late fee credit in the amount of $was applied to the account on May 2, We are unwilling to remove any additional fees, as they are valid I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,KW*** Kristina W [redacted] Compliance Dept– Consumer Responses

Dear Mr [redacted] We received the complaint you sent to the Revdex.com regarding PayPal Credit.Your correspondence was forwarded to Comenity Capital BankThe PayPal Credit productis issued by Comenity Capital Bank and serviced by Bill Me Later, IncPayPal Credit is apayment option made available by many merchants to their customers.Your complaint states you recently opened a PayPal Credit account; however, you havebeen unable to use the account to complete purchases on E-bayYou contacted customerservice several times and were told to wait hours before attempting the purchases again.You are requesting for your credit line to function properly.PayPal Credit's records reflect your PayPal Credit account was opened on September 30,5, with an online application through your PayPal accountPayPal Credit approved yourapplication and an account was opened.On September 30, 2015, you attempted to pay for a purchase in the amount of $118.82using your PayPal account with PayPal Credit selected as the funding sourceThistransaction was declined, because PayPal Credit detected potentially fraudulent activity inconnection with this transactionOn October 1, 2015, you attempted another purchase inthe amount of $using your PayPal account with PayPal Credit selected as the fundingsourceThis transaction was also declined, because PayPal Credit detected potentiallyfraudulent activity in connection with this transactionPlease note, when you use PayPalCredit to pay for a purchase, PayPal Credit will review the details of each transactionattempt and compare it with the information on your accountIf the information doesn'tmatch, the transaction will be declined to prevent fraudulent activity and protect the securityof your accountAs a result of these potentially fraudulent transactions, your account wastemporarily revoked to prevent any additional activity.You contacted PayPal Credit customer service several times between October 1, andOctober 2, 5, to discuss your accountDuring the first call on October 1, you were askeda series of security questions pulled from various public records to verify your identityYouwere able to provide the correct responses to these questions, and the representative wasable to resolve the issues on your accountYour account was reinstated and you wereasked to wait 24-hours for processing before you reattempted the purchase.Following these phone calls, you again attempted to use your PayPal account with PayPalCredit selected as the funding source to pay for several purchasesThese transactionswere again declined because PayPal Credit detected potentially fraudulent activity inconnection with the transactionsOn October 3, 2015, your account was again temporarilyrevoked to prevent any potentially fraudulent activity.You contacted PayPal Credit two times on October 5, 2015, regarding your accountDuringthe first call, the representative verified your identity and advised your PayPal Creditaccount had been reinstatedThe representative also told you that you would be able to usethe account within minutesUnfortunately, the first representative should have told you towait 24-hours to reattempt your purchase, and we apologize for any confusion thiscausedHowever, the second representative you spoke with this day did provide the correctinformationYou were asked to allow 24-hours for processing before your PayPal Creditaccount would be an available funding source in your PayPal walletOnce reinstated, yourPayPal Credit account was immediately available for use with merchants that acceptPayPal Credit for payments directly (outside of your PayPal wallet).PayPal Credit's records show your PayPal Credit account is active and open and availablefor useTwo purchases did successfully post to your account on October 7, 2015: one inthe amount of $with EBay merchant doaa Ibrahim, and one in the amount of $16.45with the EBay merchant Munster Home Products.Although from PayPal Credit's perspective it appears your concerns have been resolved,please note that PayPal Credit and PayPal are separate accountsEven though yourPayPal Credit account has been reinstated and is available for use, PayPal also hascontrols in place to prevent fraudulent activity on your accountIt is possible that PayPalcontrols may prevent your PayPal Credit account from showing as an available fundingsource in your PayPal walletFor assistance with your PayPal account, please contactPayPal directly using the information below: [redacted] As of October 16, 2015, your account is active and open with a balance of $80.43.We hope this letter explains this matter.Sincerely,Patricia L [redacted]

Dear [redacted] We have received the complaint regarding the above-referenced accountComenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we are here to help with your account-related questions.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate theopportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you visited the dental office on December 7, 2015, tohave a tooth extracted and a crown put inYou further state that you were advised that the stainless steelcrown would not last long and were advised that you needed a porcelain crown, which was not covered by yourhealth insuranceYou expressed that the cost for the porcelain crown was too much for you; however, thedental office offered you a payment option through the Lending Club Patient Solutions accountYou advisedthat you were not interested in an account; however, you signed a form to authorize the dental office to check ifyou qualified for the accountFurthermore, you state that you did not realize an account was opened until youreceived a billing statementYou further state that you did not receive any of the services you have beencharged for and are requesting a full refundWe apologize for any frustration or inconvenience this situationmay have caused you.Our records indicate that the Lending Club Patient Solutions account was opened on December 7, 2015, in thename of [redacted] On December 8, 2015, a purchase of $1,posted to your accountThispurchase was placed on a 12-month waived interest, equal payment required, plan set to expire December 8,Purchases on this plan will accrue interest, but the interest will not be added to the account if thepurchase is paid in full before the end of the promotional periodThe customer is required to make equalmonthly payments during the promotional periodFor example, if the customer’s purchase is $1,andthe plan lasts for months, the customer is required to make an equal payment of $each month.Please be advised that Comenity Capital Bank and [redacted] ’s dental office are separate entities.The Bank is responsible for addressing questions related to the Lending Club Patient Solutions account, while [redacted] ’s dental office is responsible for addressing concerns regarding treatments, charges, andrefundsThe Bank has reached out to the dental office and have been advised that no refund is due as all services wererenderedI have enclosed a copy of the agreement for your review.Comenity Capital Bank has not found any errors and find the balance to be valid.As of the date of this letter, the balance on your account is $827.00We hope the information provided is helpfulShould you have any additional questions or concerns regardingthis letter, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happyto assist you.Sincerely,Jenny W***

Dear [redacted] We received your correspondence, which was forwarded to Comenity Bank from the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concerns We understand, from your correspondence to the Revdex.com, that you made a payment arrangement with Comenity Bank to split the minimum payment of $into two payments of $60.00, and that a late fee would not be chargedLater, you stated a late fee was chargedAdditionally, you feel you should be able to speak to someone via email, and not forced to speak to someone by telephoneAt this time, we would like to explain our findings On May 27, 2016, you contacted our Web Mail team in regards to scheduling payments to cover the $payment dueOur associate advised they had notated the account of your actions; however, further advised that both payments needed to be scheduled by or before the June 11, 2016, due date or the account would be past dueBank records show that on May 26, 2016, you had scheduled two payment for $Your first payment was scheduled for June 11, 2016, and the second payment was scheduled for June 24, Since your second payment was received after the payment due date of June 11, 2016, a late fee was assessed of $ Please keep 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 Agreement (CCA)Enclosed you will find a copy of the CCA for your records The Bank finds the late fee of $to be valid based on the above; however, we have removed the late fee as a courtesyThis adjustment will appear on your next billing statement Furthermore, please understand that payment arrangements in the future would need to be managed by our Payment Solutions teamAs of the date of this letter, your account is current and your next payment for $is due August 11, I hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext [redacted] (TDD/TTY: ###-###-####)I will be happy to assist you Sincerely, [redacted]

Dear [redacted] ***:We have received the correspondence that you sent to the Revdex.com (Revdex.com) regardingPayPal CreditYour correspondence was forwarded to Comenity Capital BankThe PayPal Creditproduct is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, IncPayPal Creditis a payment option made available by many merchants to their customers.Your correspondence states you faxed proof of return for your disputed purchase from [redacted] You state your previous dispute was denied in favor of the merchant.You are requesting a refund for the disputed purchase.PayPal Credit previously researched your account and confirmed you submitted a dispute to PayPalon January 10, 2017, for your purchase of $from [redacted] In response, PayPal sent you anemail on February 20, 2017, stating, “[w]e found that you are eligible for a refund, however, to receivethis refund, we need you to return all the items and we need a valid online tracking number confirmingthat the merchandise was delivered to the seller’s address.” Further, this email provided you with theseller’s return address and advised you to submit proof of return shipping within days.Upon receipt of your present correspondence, PayPal Credit consulted with PayPal who confirmedthey received your proof of return shipping and the case was found in your favor on March 9, 2017.As a result, a return credit of $from [redacted] was applied to your account on March 9, 2017, asreflected on your March 14, 2017, statement.In regard to the email you received on March 6, 2017, PayPal apologizes for any inconvenience asthe dispute was not properly addressed at that timePlease be assured this matter has been forwardedto PayPal’s management team for further review and coaching.As of March 15, 2017, your account is open with a zero balance.We hope this letter explains and resolves this matter.Sincerely,Jennifer P***

Dear [redacted] :We received your complaint, addressed to the Revdex.com, regarding the abovereferencedaccountComenity Capital Bank issues Motorola credit accounts, and we are hereto help with account-related questionsYour complaint was forwarded to my attention, and Iappreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on June 9, We have enclosed a copy of our previous response for yourrecordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist

Dear [redacted] : Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Haband credit card accounts, and we are here to help with all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state that you have received multiple calls from the Bank regarding the above-referenced account You further state that you have sent copies of money orders where you paid for two pairs of shoes from Haband; however, you continue to be charged late fees Although the Bank has spoken with your husband, you are requesting for the Bank not to discuss the account with anyone but you Lastly, you state that you have been called on Sundays when you were trying to get ready for church We sincerely apologize for any frustration or inconvenience this matter may have caused you 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 When an account is delinquent, we will make attempts to contact the customer 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, we may call until our attempt to communicate is successful Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Our records indicate the above-referenced account was opened on March 17, The last purchase was for $on April 2, 2015, and the last payment in the amount of $posted to the account on December 16, On August 7, 2016, due to non-receipt of payment, the account was permanently closed, and reported to the national credit-reporting agencies as an unpaid debt, with a balance of $ Although we find the balance to be valid, Comenity Capital Bank has decided to no longer hold you responsible for the remaining account balance In the interest of customer service, credits totaling $were issued to the account to remove the previously assessed late fees and finance charges These credits have posted and brought the account to a zero balance Notification has been sent to the national-credit reporting agencies with instructions to have the Haband account deleted from your credit bureau report Please allow up to days for the credit-reporting agencies to update this information in their records We have updated the telephone numbers ending in [redacted] and [redacted] on the account, 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 you Sincerely, Laura R [redacted]

I do not see how giving me $dollars is meeting a compromise at half I look at the back of the bill and it does not say I will be charged by almost forty percent of what I originally owe It is no mine as I will no longer be using my [redacted] , [redacted] or HSN card any further Imagine losing thousands in future earnings from this customer because Comenity-Bank has a one size fit all attitude $dollars to try and appease me is insulting and shows that the customer means nothing to them Regards, [redacted] ***