Comenity Capital Bank

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the Zales credit card We are here to answer your questions and assist with your concerns You state that you returned a ring, which was flawed, for a full refund Although you have received the refund to clear your account, you continue to receive statements reflecting a balance When you went into the store they said that they could not handle bills in the store You further state that this matter has been going on since September 2016, the interest is increasing, and you are worried that your credit has been affected We sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Comenity Capital Bank, and Zales are separate entities The Bank issues and is responsible for addressing questions related to Zales credit card accounts Zales is responsible for handling matters related to sales, merchandise processing, returns and shipping We have reviewed your account and we are happy to share our findings Our records indicate a purchase of $posted to the account on July 18, On July 22, 2016, a credit of $posted to the account, and then on July 23, a purchase of $posted to the account On August 1, 2016, a billing statement was issued reflecting a balance of $624.91, and a minimum payment of $25.00, due by August 27, As no payment was received by the due date, a late fee and finance charge were assessed to the account, pursuant to the terms and conditions of the Credit Card Agreement On August 7, 2016, a credit of $posted to the account In the interest of customer service, the Bank has issued credits totaling $to remove the late fees, finance charges and remaining account balance These credits posted to the account on January 23, 2017, and resulted in a zero balance Please be assured, notification was sent to the credit reporting-agencies to remove the negative payment information regarding the Zales account This update should appear on your credit file within the next calendar days 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, Laura R [redacted]

Dear [redacted] We received your additional complaint regarding the above-referenced accountComenityCapital Bank previously issued American Laser Skincare credit accounts, and we are here tohelp with 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 have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on October 19, In that response, you were advised that a credit wasissued for the unused treatmentsWe have enclosed a copy of our previous response for yourrecords.As of the date of this letter, the account balance is $1,We consider this remainingbalance to be valid.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,Jenny W***

Dear Mr [redacted] We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account Comenity Capital Bank issues Zales credit cards, and we are here to help with all account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand your concerns regarding your credit limit being lowered due to the interest charges that posted to your account for your expired promotional plan and you would like the interest removed from your account and not have to pay any interest We also understand your concerns regarding your purchase of a charm that has tarnished and would like a refund We would like to apologize for any inconvenience these issues may have caused youOn January 21, 2016, Comenity Capital Bank became the issuer of your account, and our records indicate that your credit limit is $1, However, we have reviewed your previous billing statements and you were advised on your September billing statement, that your credit limit was decreased due to your credit performance For your records we have enclosed copies of your billing statements from May through January Records indicate that a purchase of $1,was charged to the account on April 13, The purchase was placed on a 6-month deferred interest, payment required promotion plan, scheduled to end on October 24, As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date The information was provided on the first page of your billing statements issued by [redacted] You were advised that the promotional balance must be paid in full to avoid paying deferred interest charges On October 24, 2015, as the balance was not paid in full, finance charges totaling $were assessed to the accountThe Bank is unwilling to make any adjustments for the previously assessed finance charges as the bank has not found any banking errors In addition, finance charges are assessed to your account as long as there is a revolving balance on your accountPlease note that Comenity Bank and Zales are two separate entities The Bank issues and is responsible for addressing questions related to the credit card account for Zales Zales is responsible for handling matters related to sales, merchandise processing, returns, warranties, refunds, and shippingPlease be assured that we have contacted Zales on your behalf regarding a refund for the charm that was purchased We have been advised that Zales sent you a check for $for the charm The check should arrive in business daysWe hope that you find this information helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely,Ashley H***

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 a full accounting of the charges, and payments and update your credit report I am happy to share my findings with youOur records indicate that the concern regarding payments not being applied to your account was previously responded to on December 3, 2015, and December 16, Additionally, after reviewing the account, our records indicate that the J.Jill account was purchased by Portfolio Recovery, a third party collections agency on December 22, Portfolio Recovery may be reached at ###-###-####We hope you find this information helpful If you have any further questions about your account, please contact Portfolio Recovery at the telephone number providedSincerely, Renee S***

Dear [redacted] : Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Capital Bank issues the Smile Generation Financial credit cardWe are here to answer your questions and assist with your concernsWe understand you opened the Smile Generation Financial account through your dental office in which they automatically bill the accountYou received your credit card; however, you never received a billing statement or correspondence in regard to the amount owed on the account until recentlyYou received a letter from the Bank advising the account had been closed, and it would be sent to a collections agencyYou are requesting to have the account re-opened, the credit limit reinstated, the write off removed from your credit report, and you want to negotiate repaymentThe account was opened on June 6, 2016, and the credit card was sent out along with the welcome kitOn July 25, 2016, the amount of $was charged to the account, and the first billing statement was generated on August 21, The statement was returned to the Bank due to an insufficient address, and the account was updated with a returned mail statusWhen returned mail is on an account, additional mailings will not be sent on the account until the address is updatedThe address was updated with the current address on April 4, As such, the Bank sent correspondence providing you with an update of the accountPlease be advised that although billing statements were not able to be sent due to the returned mail status, statement activity continued on the accountAs payment had not been made on the account, late fees and finance charges were assessed according to the Credit Card AgreementThe account exceeded six billing cycles past due, was closed by the Bank, and written off as an unpaid debtPlease be advised that in response to this dispute, the Bank sent you a letter on June 16, 2017, which advised the reporting of the account was accuratePlease disregard that letterUnder the circumstances, we have notified the credit reporting agencies to delete the account, in its entirety, from your credit reportPlease allow days for the credit agencies to update their recordsSince the account was written-off, it is unable to be reopenedIf you would like to have a Smile Generation Financial credit card account, you would need to reapplyAs a courtesy, we have waived the balance on the accountI 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***

Hello Mr [redacted] Thank you for your message We understand from your complaint that you are upset because you are not able to use your card on-line After careful review of your account, you have a credit limit of $and a balance of $252.16, so because you are at your credit limit, we are unable to authorize any more charges If you are interested in requesting a credit limit increase, please call the number on the back of your card or you can submit one through the Account Center.Thank you

Dear Mr [redacted] We received the complaint you sent to the Revdex.com of Central Ohioregarding PayPal CreditYour correspondence was forwarded to Comenity Capital Bank.The PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by BillMe Later, IncPayPal Credit is a payment option made available by many merchants totheir customers.Your complaint states you purchased an item through eBay on October 14, for$and unintentionally paid with PayPal CreditYou state you did not know for severalmonths that you used PayPal Credit until you received a call from PayPal Credit advisingyou owe a balance of $You state when you received your January credit cardstatement, you noticed there was one charge of $dated January 7, 2015, and twocharges of $dated January 7, You state you contacted your credit cardcompany and you were refunded $and $158.45, however the third charge for$has not been refundedIn addition, you state you contacted PayPal, eBay andPayPal Credit; however, you were unable to resolve this issueYou are requesting PayPalCredit waive the balance on your account.PayPal Credit's records reflect your PayPal Credit account was opened on October 14,2014, with an online purchase of $through eBayIn order for an application toprocess with PayPal Credit and an account to be opened, you provided your name, date ofbirth, last four digits of your social security number, and actively accepted the electronicallypresented Terms and Conditions at the time of purchase, which required that you click the"Agree and Continue" button acknowledging that you were "...apply[ing] for credit...."You also received and consented to the PayPal Credit's E-Sign Consent, wherein youagreed to receive disclosures and other information electronicallyAs such, you consentedto receive “statement ready” emails from PayPal Credit via the email address on file for youraccount, [redacted] , alerting you that your statement is ready forviewing electronicallyA paper statement will not generate unless the account becomesdelinquent or you change your paper statement status through the PayPal Credit web selfservicesite or via a written request as disclosed in the Terms and Conditions.Your statement dated October 19, 2014, shows a purchase of $with eBayEMMETSRAILR posted on October 14, 2014, and a PayPal Promotional Credit of $15.00posted on October 14, Your purchase qualified for "No Payments + No lnterest ifpaid in full in six months" promotional financing until May 16, This balance did notrequire a minimum monthly payment during that timeIn addition, as long as thepromotional balance of $was paid in full by May 16, 5, you would not receive anyinterest chargesNo additional activity occurred through your statement dated April 19,5.When your promotional financing expired on May 16, 2015, the purchase was not paid infull, and you were charged accrued deferred interest in the amount of $on yourstatement dated May 19, PayPal Credit's Terms and Conditions state, in part,"lnterest will be charged from the posting date if the Purchase balance is not paid in fullwithin the deferred interest period." Also shown on this statement is your ending balance of$and your minimum payment requirement of $due by June 16,5.On June 15, 2015, your account became past due and on June 26, 2015, PayPal Creditmade attempts to contact you regarding your past due balanceFrom June 19, 2015, toSeptember 19, 5, four late fees totaling $and four interest charges totaling$were assessed to your account as a result of the minimum payment requirement notbeing satisfied by its due date and the balance not being paid in fullAll of the feesassessed to your account were charged in accordance with the PayPal Credit Terms andConditions.We have determined your complaint regarding additional charges showing on your personalcredit card is with PayPal, not PayPal CreditAlthough both PayPal Credit and PayPal areowned by PayPal, they are separate entitiesPlease contact PayPal using the informationbelow: [redacted] As a courtesy, PayPal Credit has waived one late fee totaling $This adjustment willreflect on your next statement dated October 19, PayPal Credit is unable to waiveyour balance or any additional feesAs of September 30, 2015, your Account is closed witha balance of $and your minimum payment requirement of $is due by October16, We hope this letter explains and resolves this matter.Sincerely,Patricia L [redacted]

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 that you paid off all of your flex paysAdditionally, you advise that you did not signup for the card, but did use it for your flex paysYou are requesting to have the balance broughtto zero.Please note Comenity Capital Bank and HSN are two separate entitiesThe Bank issues and isresponsible for addressing questions related to your credit card accountHSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.Please be advised that use of the account, or failure to close the account within days ofreceiving the Credit Card Agreement indicated your acceptance of the terms of the agreement.At least some of your purchases were made using HSN’s optional FlexPay programFlexPay isa convenient way to shop that allows you to easily divide your purchase into monthly installmentpayments with your credit cardThe payments can be made using your HSN credit card or someother form of paymentYou arranged to have your monthly payments charged to your HSN creditcardWhen a purchase was made using FlexPay, HSN immediately billed your HSN credit cardaccount for the first monthly installment plus any applicable tax and shipping and handling fees.Your purchase was shipped, and the remaining FlexPay installments were automatically billed toyour HSN credit card account every days thereafter, beginning the month after the originalorder dateHSN does not charge interest or fees to use FlexPay; however, if your entire creditcard statement balance is not paid by the due date each month, interest is charged on the accountbalance in accordance with the terms of the Credit Card Agreement (CCA).As new purchases are placed on the account, the balance will increaseWhen your account bills,the system will assess the interest according to the balanceThe amount you must pay eachbilling period won't be less than $If your account balance is less than $27.00, you mustpay the amount indicated on your billing statement in fullThe minimum payment due will be 5%of the New Balance shown on your billing statement (rounded to the nearest $1.00).If you make only the minimum payment for each period, you will pay more in interest and it will take you l***er to pay off your balancePlease find enclosed the billing statements for your review.The Bank finds no errors in the account balance, as such we respectfully decline your request to bring your account balance to zero.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Diamond L***Compliance Dept– Consumer Responsescc: Revdex.comEnclosure

Dear Mr [redacted] Thank you for contacting the Revdex.com regarding the above-noted account Comenity Capital Bank issues your MyPoints Rewards Visa® account, 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 your concerns regarding the balance and that you feel that your account should be paid off and no balance should be owed As stated in our previous letter we have reviewed the balance on your account since it was opened and we have found no time in which the balance was zero Additionally, we have found no discrepancies in the balance After a review of your additional complaint, you state that you have proof of different information provided to you by Comenity Capital Bank Please provide this information and I would be happy to review the documentation for any discrepancies We hope you find this information to be helpful Should you have any further questions or concerns, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Justina M [redacted]

Comenity Capital Bank (Bank) has received your correspondence. We are here to answer yourquestions and assist with your concerns.We would like to assist you in resolving this matter. Unfortunately, we are unable to locate theapplication you are referencing in your correspondence based on the... information provided. Inorder to investigate your concerns, please provide additional information regarding the name ofthe retailer the application was from, or a copy of your credit bureau report showing the inquiry.Once this information has been received, we will be able to further investigate. Please sendthis information to my attention at the address shown above.If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Renee S*Compliance Dept. – Consumer Responsescc: RevDex.com

never resolved original issue- inactivating my account without my knowledge and now pulling a credit report which , when asked, I did not give them consent to do Regards, [redacted] ***

June 23, 2017Heather NaybackEast Roy Wright RoadShingleton, MI 49884-9638RE: PayPal Credit Application 1891016455PayPal Credit Application 1535307880PayPal Credit Application 153507808Revdex.com Complaint No.: 12182401Dear Heather Nayback:We received your correspondence sent to the Revdex.com (Revdex.com) regarding PayPalCreditYour correspondence was forwarded to Comenity Capital BankThe PayPal Creditproduct is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, IncPayPalCredit is a payment option made available by many merchants to their customers.The Bank received your additional correspondence from the Revdex.com advising you contacted PayPalCredit and are receiving letters in regard to an account you do not haveYou are requesting nofurther correspondence or contact from PayPal Credit.We reviewed the concerns mentioned in your correspondence and would like to provide you withthe following informationPayPal credit found no indication of fraud in connection with the abovereferencedapplicationsPayPal Credit is unable to prevent an application from being submittedin your nameIn addition, PayPal Credit is required by law to send notification in the form of aletter when an application is declined.As your correspondence did not contain any new information or documentation in regard toresearching your fraud claim further, PayPal Credit’s position remains the same as stated in ourresponse to you dated June 23, 2017.In addition, our response dated June 23, 2017, contained a piece of inaccurate informationTheprevious response should have stated that as of August 29, 2013, Comenity Capital Bank becamethe lender for the PayPal Credit product and as of August 1, 2014, Bill Me Later® changed itsname to PayPal CreditWe apologize for this oversight.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,Zachary BielCompliance Dept– Consumer Responsescc: Revdex.com

Dear [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 you You state in your complaint that you ordered a suit from Draper’s & Damon’s You further state that although you returned the suit, and used the enclosed return shipping label, you continued to receive bills You do not know why you are being charged for items which you have returned, and you have been receiving calls from the Bank We sincerely apologize for any inconvenience or frustration this matter may have caused youWe have reviewed your account and we are happy to share our findings Please find enclosed copies of your monthly billing statements, for your review Please understand that Comenity Capital Bank and Draper’s & Damon’s are two separate entities Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Draper’s & Damon’s is responsible for handling matters related to sales, merchandise processing, returns, and shippingAdditionally, 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 shippingOur records indicate that on September 16, 2014, a purchase of $posted to the account On October 3, 2014, the suit was returned and a credit of $posted to the account On October 2, 2014, a billing statement was issued reflecting a balance of $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) Statements continued to be issued monthly, and as no payments were received, late fees and finance charges continued to be assessed to the account On April 17, 2015, Draper’s & Damon’s issued a credit of $for the return label fee, and on April 22, 2015, a payment of $posted to the account; however, a balance of $remainedOn July 2, 2015, the account was permanently closed and written off as an unpaid debt with a balance of $ In the interest of customer service, we have issued credits totaling $to remove the late fees, finance charges, and shipping and handling fees from the account Your account balance, as of today’s date is zero Due to this account being reported as a charge off, Comenity Capital Bank has sent a request to the national credit-reporting agencies to delete the Draper’s & Damon’s account from your credit report Please allow the credit-reporting agencies days to update their records 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 youSincerely, Laura R [redacted]

Dear Mr [redacted] We have received your complaint, addressed to the Revdex.com, regarding the hard inquiry on your credit file Comenity Capital Bank issues multiple credit card accounts, and we are here to assist with all your questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you state Comenity Capital Bank ran a hard credit inquiry without your approval and this has lowered your credit score I am happy to share my findings.The Bank would like to assist you in resolving this matter However, based on the information provided in your complaint, the Bank has not been able to locate an account, or credit application, in your name In order to investigate your complaint, we request that you provide the Bank with a copy of your credit bureau report showing the inquiry.Once this information is received, the Bank will be able to investigate your complaint furtherPlease send this information to my attention at the address shown above or it may be faxed directly to me at ###-###-####.We sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions regarding this letter, 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 correspondence sent to the Revdex.com regardingPayPal Credit, which was forwarded to Comenity Capital BankThe PayPal Creditproduct is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, Inc.PayPal Credit is a payment option made available by many merchants to their customers.Your correspondence states your PayPal Credit account has been charged excessivelate fees and finances chargesYou also state you did not receive any accountstatementsYou are requesting for PayPal Credit to waive the related fees on youraccount.PayPal Credit's records reflect on November 4, 2015, your statement delivery methodwas changed from paper statements to electronic notifications via PayPal Credit's webself-service siteYou consented to receive "statement ready" emails from PayPal Creditat the email address on file for your account, [redacted] Once thismethod was chosen, we began alerting you electronically when your statement was readyfor viewingWith this method, a paper statement would not generate unless the accountbecame delinquent or you changed your paper statement status through the PayPalCredit web self-service site or via a written request, as disclosed in the Terms andConditions.On March 26, 2016, you updated your statement delivery method once moreYourstatement delivery method was changed from electronic notifications to paper statementsvia PayPal Credit's web self-service siteBeginning with your May 14, statement,all statements have been mailed to the address on file for your account.Please be advised, on May 18, 2016, PayPal Credit corrected a technical error that mayhave affected your ability to access certain information online regarding your PayPalCredit account, including periodic statementsWe apologize for any inconvenience thismay have causedAt that time, PayPal Credit also credited your account $in latefees and finance charges, and reversed any delinquency that may have occurred as aresult of this error.Upon receipt of your correspondence, Pay Pal Credit reviewed your account history forany additional financial impacts the above referenced error may have causedAs acourtesy, PayPal Credit has waived late fee and interest charges totaling $Thisadjustment will be reflected on your next statement.As of the date of this letter, your account is closed with a balance of $63.59, and nominimum payment requirement is due at this timeYou will continue to receive monthlystatements until your account is paid in full.We hope this letter explains and resolves this matter.Sincerely,Jennifer P***

Dear Heather Nayback:We have received your correspondence sent to the Revdex.com (Revdex.com)regarding [redacted] CreditYour correspondence was forwarded to Comenity Capital Bank.The [redacted] Credit product is issued by Comenity Capital Bank (Bank) and serviced byBill Me Later, Inc [redacted] Credit is a payment option made available by many merchantsto their customers.Your correspondence indicates you are receiving notices from [redacted] Credit regardingapplications submitted in your name, but you have not had a [redacted] Credit account formany years; therefore, you believe the applications being submitted in your name are theresult of identity theftYou have previously contacted [redacted] Credit and attempted toresolve this matter, but have been unable to do soYou wish to not do business withneither [redacted] Credit nor the Bank and are requesting to no longer receivecorrespondence unless it is in regard to the termination of the letters you have beenreceiving[redacted] Credit reviewed the concerns mentioned in your correspondence and would liketo provide you with the following information [redacted] Credit’s records reflect your [redacted] Credit account was opened on November 16, Please be advised, Chase was theservicer of your account at the time it your account was openedThe lender of youraccount later became Bill Me Laterand as of August 1, 2014, Bill Me Later changed itsname to [redacted] CreditYour account was closed due to inactivity by [redacted] Credit onApril 26, 2013, with a zero balance.On January 13, 2015, two applications were submitted in your name through twopurchase attempts in the amounts of $each with [redacted] merchant MichiganSpeech CoAs a result, [redacted] Credit sent the enclosed letter dated January 23, 2015, [redacted] Credit was unable to approve the application because a copy of your credit reportcould not be obtainedAs such, neither application resulted in an inquiry on your creditfile.Your correspondence mentions you previously contacted [redacted] Credit regarding thismatterPlease be aware, based on the information provided in your letter and after reviewof your correspondence [redacted] Credit was unable to locate any instance of prior phoneconversation between you and [redacted] Credit regarding this matter.Upon receipt of your correspondence, [redacted] Credit submitted a fraud report and theJanuary 13, 2015, applications were investigatedPlease note, with the informationcurrently in [redacted] Credit’s possession, there is no indication of fraud in connection withthe January 13, 2015, applicationsIt is important to note, since that time no additionalapplications have been submitted in your name nor have there been attempts to use yourprior [redacted] Credit account in your nameAs a courtesy, [redacted] Credit noted yourpersonal information in their system to prevent a [redacted] Credit account from beingopened in your name in the futureHowever, [redacted] Credit cannot prevent an applicationor purchase attempt from being submitted, and if an application or purchase attemptsubmitted with your address is declined, [redacted] Credit is required to send an adverseaction noticeAs a result, you may receive additional notifications by mail if an applicationis submitted using your address.If you have concerns regarding identity theft, please consider the following optionsavailable to you:You have the right to place a fraud alert on your credit reportsA fraud alert tellscreditors to contact you before they open any new accounts or change yourexisting accountsTo do this, you can contact any one of the consumer reportingcompanies mentioned belowIf you contact any one of them, the one you contactis required to contact the other two, to place an alert on their files as well [redacted] Identity theft is a crimeYou can file a report with your local police or the policein the community where the crime took placeWe recommend you obtain a copyin order to protect your rightsYou can go to the Federal Trade Commission website on identity theft atwww.identitytheft.gov/This website contains important information and refers toresources that could be helpful in dealing with identify theft.Your correspondence also states you received a letter from [redacted] Credit with areference number of [redacted] Please note, this letter from [redacted] Credit was acommunication intended for a consumer regarding a business matter unrelated to you.Additionally, this letter was neither addressed to you, nor mailed to the address youprovided in your correspondence [redacted] Credit confirmed that based on your personalinformation provided in your correspondence, [redacted] Credit did not send a letter datedMay 25, 2017, to youWe apologize for an inconvenience or frustration this has causedyou.We appreciate the time you have taken to share your concerns with usI hope thisinformation is sufficiently responsive to your correspondence.Sincerely,Zachary B***Compliance Dept.- Consumer ResponsesEnclosure

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Haband credit cardWe are here to answer your questions and assist with your concerns.Your correspondence indicates you placed an order for a jacket through Haband and did not receive the jacketHowever, your check for $was electronically deposited by HabandYou state that you placed another order for a jacket and were billed for it plus a late feeYou paid the bill in order to stop late feesYou provided evidence of the Haband check payment for $to the Bank, and are requesting a refund for $57.93.Please note Comenity Capital Bank and Haband are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountHaband is responsible for handling matters related to sales, merchandise processing, returns and shipping.We have contacted Haband, on your behalf, regarding this matter and they have advised that check # [redacted] for $was cashed on September 15, Haband also advised that when the order was received, they did not have enough information to process the order, and it was placed on hold while attempting to contact youWhen you called Haband on September 27, 2017, a new order was placed, which was charged to the Haband credit card, rather than a correction to the original orderHaband is generating a refund check which will be sent on December 26, 2017.As a courtesy, we have applied a credit of $to your Haband account for the associated late fee and minimum interest chargeThe credit resulted in a credit balance on the account, and a refund check for $will be issued to youPlease allow up to business days to receive the check, which will be mailed separately from the Haband refund check.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Rachel R [redacted] Compliance Dept– Consumer Responsescc: Revdex.com

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Overstock Store credit cardWe are hereto answer your questions and assist with your concerns.We understand from your additional correspondence, submitted to the Revdex.com,that you have not received our previous letter dated April 5, 2017.Please understand the account is open; however, it is inactive and requires a review of your creditreport to be reinstatedPer your call to the Bank on April 4, 2017, we attempted to reinstate theaccountHowever, based on information in your credit report, we were unable to approve yourrequest, and a letter of explanation was mailed to youPlease be advised a copy of this letter wasincluded with our previous response that was mailed to you on April 10, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S***

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Ideal Image VIP credit cardWe are here to answer your questions and assist with your concerns The April 9, 2015, purchase for $7,was placed on a Month Deferred Interest Payment Required Plan with an expiration date of April 10, Under the terms of this promotional plan, interest on the purchase is deferred until the plan expiresThis means that interest on this purchase was accruing monthly from the original purchase date but was not being applied to your accountIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration dateThis promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your accountThe details of your promotional plan as well as the expiration date were present on each billing statement While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted] Compliance Dept– Consumer Responses cc: Revdex.com

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Forever credit cardWe are here to answer your questions and assist with your concerns We understand the concerns as explained in your correspondenceYou paid your bill, but were charged late feesA credit of $was issued for the fees, leaving a balance of $0.32, which resulted the account being charged additional late feesIn addition, you requested the account be closed and have not received a confirmation letter, that the account was closed, as promisedYou are requesting the fees be credited and the reported outstanding status be updated on your credit report 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 The account billed on December 25, 2016, with a balance of $16.04, and a minimum payment of $16.04, due by January 20, As no payment was received by the due date, a $late fee and a $finance charge were assessed to the account The account billed on January 25, 2017, with a balance of $35.66, and a minimum payment of $23.04, due by February 20, On February 3, 2017, a payment of $was received and the account was credited $for the late fee and part of the finance chargeBecause the full minimum payment of $was not received, nor was the account balance paid in full, additional late fees were assessed to the account, resulting in an outstanding balance In the interest of customer service, a credit of $has been issued to the account, for the late fees and finance charges that were previously assessed As of the date of this letter, the account balance is zero Please be assured that Comenity Capital Bank has not reported negative payment information to the credit-reporting agencies, regarding the account As requested, the account was closed on February 27, Although your account is closed, we hope you continue to shop with Forever I apologize that you did not receive our previous responseEnclosed is a copy our previous response dated February 28, 2017, for your records I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely, Tionna McGowan Compliance Dept– Consumer Responses cc: Revdex.com Enclosures