Comenity Capital Bank

No one contacted me at all! I don't believe a company should lie about contacting me and leaving me a message on my phone when I received absolutely nothing! I know the phone number on file is current because I updated it on June 28th Regards, [redacted]

Dear Mr [redacted] : We received your complaint, addressed to the Revdex.com, regarding the above-noted account Comenity Capital Bank issues GameStop PowerUp Rewards™ credit card accounts, and we respond to all account-related concerns Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from your complaint that you purchased one item from GameStop, and that you paid for that item; however, you believe that you were charged twice for the item You are requesting the Bank cancel the second item and reduce your account balance to zero ($0.00) We understand your concerns, and we sincerely apologize for any inconvenience you have experienced due to this matter Please note that Comenity Capital Bank and GameStop are two separate entities The Bank is responsible for addressing questions related to the credit card account, while GameStop is responsible for handling matters related to sales, merchandise processing, returns, and shipping After a thorough investigation, our records indicate that two transactions totaling $for a One Year PlayStation Network membership were applied to the account on January 19, On February 5, 2015, a statement was issued indicating a balance of $with a minimum payment of $due by March 3, Please note Comenity Capital Bank received your payments of $on March 7, 2015, and $on March 28, On February 17, 2015, the Bank received notice that you were disputing the second transaction While we investigated this matter, we issued a temporary credit of $to the account, to postpone charging any interest on the disputed amount This credit was outlined on the March 8, 2015, billing statement as a “provisional credit” At the conclusion of the billing dispute, GameStop provided documentation indicating that the transactions were two separate orders; as a result, Comenity Capital Bank removed the provisional credit applied to the account and added the charge of $back to the account On April 7, 2015, a statement was issued indicating a balance of $with a minimum payment of $due by May 3, As no payments were received for the months of May through July 2015, late fees and finance charges were applied to the account, pursuant to the terms outlined in the Credit Card Agreement (CCA), and the GameStop PowerUp Rewards™ account was reported to the credit-reporting agencies as 60-days past due On your behalf, we contacted GameStop regarding the two transactions, and once again, their records confirmed that two separate orders were placed for a One Year PlayStation Network membership Their records further confirmed that the orders were digitally delivered to the email address you provided at the time of purchase, and that the individual codes for both orders have been activated Should you have any further questions regarding these two transactions, we encourage you to contact GameStop directly at ###-###-#### Based upon the information we received from GameStop, the Bank declines the request to cancel the second transaction and reduce your account balance to zero ($0.00) However, in the interest of customer service, we issued credits totaling $for the previously assessed Bank fees: a credit of $was issued on July 10, 2015, and a credit of $was issued on July 31, As of today’s date, your account balance is $105.66, and the account is three billing cycles past due Should an account exceed six billing cycles past due, the account will be written off, and reported to the credit-reporting agencies as an unpaid debt We hope you find this information to be helpful If you have any further questions regarding this letter, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Lauren S [redacted]

Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced creditcard accountComenity Capital Bank issues the HealthiPlan® credit accountWe are here toanswer your questions and assist with your concerns.Your complaint state that you believe you are being overcharged interest and that you have beenassessed late fees the entire timeAlthough you have made monthly payments, the accountbalance stays at $2,You are asking the Bank to refund the interest charges.Enclosed is a copy of the Bank’s Credit Card Agreement (CCA), as well as the billing statements,which show the account activity that comprised the account balanceUse of the account or failureto close the account within days of receiving the CCA indicated your acceptance of the termsand agreement, including the assessment of any finance charges and fees.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.Bank records indicate that your account is billing at a 27.24% Annual Percentage Rate (APR) andthe minimum due repayment amount is 4% of the balanceLate fees are assessed at the paymentdue date.As a result of multiple missed or late payments, the account has been assessed late fees, whichare valid feesIn addition, the account is being assessed finance charges as the balance iscarried month to month and has not been paid in full.The Bank finds the fees to be validHowever, as a one-time courtesy, we issued one late feecredit totaling $and the applicable finance charge of $We are unwilling to credit anyadditional fees.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y***

Dear Ms. [redacted] We received the complaint you sent to the RevDex.com regarding PayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, Inc. PayPal Credit is a payment option... made available by many merchants to their customers.Your complaint states you received an email from PayPal Credit informing you the telephone numbers associated with your PayPal Credit account were changed and asking you to call PayPal Credit if you did not request the changes. You called PayPal Credit and were advised by the agent the call was an attempt to collect a debt. You are requesting PayPal Credit not contact you again and your balance be waived.PayPal Credit’s records reflect your account was closed due to delinquency on December 4, 2015. On January 4, 2016, your account was referred to an outside collections agency to collect the balance on your account.On March 16, 2016, the outside collections agency attempted to contact you at an alternate telephone number obtained through a skip tracing service. During this call, an unidentified third party stated the telephone number was not associated with you and requested the telephone number be removed from PayPal Credit’s system. To process the request, the outside collections agency contacted PayPal Credit and asked that all telephone numbers associated with your account be removed.PayPal Credit completed the request, and because your primary telephone number was removed from your account, you were sent an automated email on March 18, 2016 to confirm the change. We apologize for any confusion this may have caused.On March 18, 2016, you called PayPal Credit. Because your account was delinquent, you were advised by the agent that any information obtained during the call would be used to collect the debt. This disclosure is provided to all PayPal Credit account holders that call regarding past due accounts and is not in any way related to the e-mail you received.Upon receipt of your complaint, PayPal Credit recalled your account from the outside collections agency and placed a cease and desist on your account. You will no longer receive calls regarding your account; however, you remain responsible for the balance. As of April 6, 2016, your account is closed with a balance of $3,121.74.We hope this letter explains this matter.Sincerely,Christina W [redacted]

Dear Mr [redacted] We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account Comenity Capital Bank issues ZALES THE DIAMOND STORE® 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 concerns We understand from your complaint that you checked your credit score and that your score had gone down You state that you were advised that your ZALES THE DIAMOND STORE® account had been removed You also state you contacted the bank to advise of the issue, and you were advised to provide proof that your account had been closed You are requesting that the Bank correct the issue, as you did not want your account closed We would like to apologize for any inconvenience this matter may have caused you Please be assured that we have reviewed the information reporting to the credit-reporting agencies regarding your ZALES THE DIAMOND STORE® account, and our records indicate that your account is reporting accurately as open Also, a letter confirming this information was sent to you on September 21, For a full copy of your credit report, we suggest you visit www.annualcreditreport.com We 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 you Sincerely, Ashley H***

Dear Mrs. [redacted] We received a complaint from you, addressedto RevDex.com, regarding the above-mentioned account. Comenity Capital Bank issues Iddeal creditcards, and we are here to help with all account-related questions. Your correspondence, was... forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns as explained inthe complaint. Bank records show thatthe Iddeal account is listed in the name of [redacted] , as the primary accountholder. Because of this, the Bank is unable todiscuss or release account information to another party without Mr. [redacted] spermission. Please be advised that we have sent aresponse to Mr. [redacted] directly regarding the account. We hope that you find this informationhelpful. Should you have any otherquestions or concerns regarding this account, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley H [redacted]

Paypal Credit is trying to screw me overI made my payment for Jan on Dec 30thThey refused to apply it to my payment forcing me to not only make a double payment BUT py a late fee when the payment was NOT late! Regards, [redacted] ***

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me. I have recived a letter stating that these accounts were to be moved. I will check my report in a few weeks and make sure that they have been removed. If I see that they have not, I will file another complaint.

Dear Mrs [redacted] :Thank you for sharing your concerns about your recent dental visitI am writing to you on behalf ofthe [redacted] , OH Aspen Dental branded practice, owned and operated by Ohio DentalAssociates-Judge IncI certainly do apologize for your experience at the [redacted] , OH AspenDental office.I am in receipt of your complaint filed with the Revdex.comI have reviewed it with the [redacted] , OH Aspen Dental Office Manager, Heather and with the previous Office Manager,PhillipI have been advised by both that they recently spoke with you concerning the issue with yourDental First accountPlease note that Dental First and Aspen Dental are completely different andseparate companiesWhen you applied for and were approved by Dental First, they remitted paymentto Aspen Dental for your dental treatmentThereafter; Dental First billed you under the promotionalcontract that you signed up forIf you feel that Dental First is incorrectly billing you for accumulatedinterest, you must take the matter up with Dental FirstFor your review I am enclosing with this letter copies of your financial documents.I appreciate you giving me the opportunity to respond to your inquiryA copy of this letter has beenforwarded to the Revdex.com Office in response to your complaintI am available for anyfurther questions at the below contact information.Sincerely,Ron H***Senior Patient Satisfaction SpecialistAspen Dental Management, Inc.Phone: ###-###-####, Extension ***Fax: ###-###-#### [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me, however I would like to correct a statements in your response letterYou stated: "In order to enroll in the [redacted] program, you would have clicked on one of the offers presented while you were placing your order with ***Once you clicked on the offer, you would have been directed to a website providing you with the membership detailsWithin those details, it would have been disclosed that the cost of the program was $for the first month and $per month thereafterIn order to complete enrollment, you would have entered your email address and zip code and clicked the “Join Now!” button to accept the membership offerAs a result of the enrollment, your account was charged $on September 9, 2016" This statement is not true, I would never have sign up to be a part of [redacted] program, as I only use my [redacted] account a few times since it has been openThis program would not benefit meI also never gave my consent, nor did I supply them with my email for this purpose, [redacted] has always had my email addressRegards, [redacted] ***

What Lauren S [redacted] is 100% WRONG! I do not owe Comenity Capital Bank or HSN, Inc$1,and I Lauren S [redacted] did NOT listen to any of my CALLS to Comenity Bank or HSN, Incbecause if she did then she would have HEARD HSN, IncVERIFY AND VALIDATE THAT THEY DID RECEIVE EVERY SINGLE ITEM BACK ON THE RECORDED LINE I have SPENT MONTHS NOW TRYING TO MAKE A GOOD FAITH EFFORT TO CORRECT THIS I have NOTHING, NOTHING TO LIE ABOUT The US Postal Service helped me track EVERY SINGLE PACKAGE BACK TO HSN, INCAND THEY DID IN FACT RECEIVE THE ITEMSI understand that Lauren S [redacted] and Comenity Bank are trying to not only STEAL MY MONEY AND CHARGE ME INTEREST ON ITEMS I SENT BACK AND DO NOT POSSESS, BUT THAT IS NOT GOING TO HAPPEN I HAVE MAILED A 2ND DISPUTE LETTER TO COMENITY BANK PRESERVING MY RIGHTS, Certified MailHSN, Incwill NOT speak to me and I am unable to call because they closed my account, so Lauren S [redacted] and HSN, Incshould TELL THE TRUTH about what they HAVE DONE TO ME AND MY FAMILY, THEY SHOULD BE ASHAMED! I HAVE ALL OF THE US POSTAL SERVICE TRACKING INFORMATION SHOWING I RETURNED ALL OF THE ITEMS IN QUESTION I HAVE ALSO CONTACTED AND FILED A COMPLAINT WITH THE [redacted] ATTORNEY GENERAL REGARDING THIS MATTER, AND I HAVE OPENED A 2ND COMPLAINT WITH THE OHIO ATTORNEY GENERAL Dear Revdex.com of Centeral Ohio, Inc., I WANT YOU TO KNOW AS A CONSUMER, I HAVE NEVER IN MY LIFE EXPERIENCED DISRESPECTFUL COMPANIES LIKE THIS, NEVER AND I WANT YOU TO KNOW THAT AS A CONSUMER WHO IS TELLING YOU THE TRUTH ABOUT EVERYTHING I HAVE STATED AND COMPLAINED ABOUT IS 100% TRUE AND I WANT TO THANK YOU FOR CONTINUING TO HELP ME I have ALL of the Invoices, Tracking Information the US Postal Service gave me, so maybe now Lauren S [redacted] can mail me what she is stating she has that she and her contact at HSN, Inchave The US Postal Service is not going to give Verification that HSN, Incsigned for the packages and did in fact receive the items I sent back For the 50th time, I SENT THE ITEMS BACK TO HSN, INCIN PRISTINE CONDITION HSN, INCHAS THE ITEMS I SENT BACK, AND I HAVE NOTHING, WHY IN GOD'S NAME WOULD I EVER PAY FOR ITEMS I DON'T POSSESS THIS ENTIRE SITUATION IS CONVALUTED AND FALSE Lauren S [redacted] is NOT representing Comenity Capital Bank or Me, a Consumer who pays on time, who is an HONEST PERSON, Lauren S [redacted] and whoever her HSN, Incpartner is, should BE ASHAMED OF THEMSELVES, what if the SHOE WAS ON THE OTHER FOOT? What if this HORRIBLE NIGHTMARE WAS HAPPENING TO THEM, what would they do? and they knew that THEY WERE BEING WRONGED AND DISRESPECTED AS AN HONEST PERSON WHO HAS TRIED IN GOOD FAITH TO HAVE THIS CORRECTED, THAT IS WHAT I HAVE BEEN TRYING TO DO FOR OVER MONTHS NOW I HAVE OUTSTANDING CREDIT AND I CAN TELL YOU, LAUREN S [redacted] AND HER PARTNER IN CRIME AT HSN, INCWILL NEVER DESTROY MY CREDIBILITY OR MY CREDIT I DO NOT OWE $1,TO NO ONE! I KNOW WHAT I OWE I AM DISPUTING THIS UNTIL IT IS FIXED AND I AM WORKING WITH ALL OF THE ATTORNEY GENERAL'S REGARDING THIS SITUATION I HAVE GIVEN THEM ALL THE PROOF AND FOR THE 50th TIME, HSN, INCWILL NOT ACCEPT ANY CALL FROM ME, WHICH LAUREN S [redacted] CONTINUES TO STATE, SHE KNOWS THIS, SO SHE DOES NOT NEED TO CONTINUALLY STATE AT THE END OF HER LETTERS THAT ALL I HAVE TO DO IS CALL HSN, INCIT'S A LIE, AND NO ONE, I KNOW I DON'T LIKE LIARS.I AM REJECTING THE MESSAGE LAUREN S***, AGENT FOR COMENITY CAPITAL BANK SENT TO YOUI WOULD LIKE TO APOLOGIZE TO THE Revdex.com OF CENTRAL OHIO, INCFOR THIS HORRIBLE NIGHTMARE that COMENITY BANK CONTINUES TO WRITE TRYING TO HAVE YOU BELIEVE THAT I, THE CONSUMER IS NOTHING LESS THAN A PIECE GARBAGE, THEY ARE DEAD WRONG AND LAUREN S [redacted] NEEDS TO GO STOP TREATING CONSUMERS LIKE MYSELF WHO HAVE STUCK BY COMENITY BANK, PAY WHAT IS OWED ON TIME EVERY MONTH, IT'S DISGRACEFUL, AND THE ONE TIME, ONE TIME I NEEDED COMENITY BANK'S HELP, I END UP WITH LAUREN S [redacted] AND HER PARTNERS IN CRIME AT HSN, INC I CAN TELL YOU THAT I ABSOLUTELY BELIEVE IN KARMA I ALSO WANT TO THANK YOU Revdex.com OF CENTRAL OHIO, INCFOR HELPING ME AND NEVER GIVING UP ON ME, THANK YOU SO MUCH FOR BELIEVING ME, THANK YOU YOU HAVE NO IDEA WHAT THAT MEANS TO ME AFTER READING THE LIES LAUREN S [redacted] PROVIDES, IT IS VERY SAD THAT THEY CAN'T STEP BACK AND SEE THAT THEY ARE WRONG AGAIN, I AM REJECTING LAUREN S***'S RESPONSE, IT IS NOTHING BUT LIES I KNOW WHAT I DID, AND I HAVE PROOF WHAT I DID, AND I HAVE TRIED FOR OVER MONTHS AS A GOOD FAITH EFFORT, HAVING MY POOR FAMILY SEEING THIS NIGHTMARE CONTINUE WHEN ALL I DID WAS ASK FOR HELP FROM COMENITY BANK I HAVE TRIED AND TRIED TO MAKE A GOOD FAITH EFFORT TO RESOLVE THIS AND I KNOW MY RIGHTS, AND I CAN PROVIDE ANY TRACKING I AM ASKED FOR HSN, INCRECEIVED EVERY SINGLE ITEM BACK AND MY MOTHER WAS WITH ME AT THE POST OFFICE HELPING ME RETURN THE PACKAGESAND WHOEVER IS DOING THIS TO ME AT HSN, INCIN THE WAREHOUSE NEEDS TO GET CAUGHT AND NEEDS TO KNOW I AM NO ONES SCAPEGOAT! I AM AN HONEST PERSON AND NO ONES SCAPEGOATLAUREN S [redacted] AND COMENITY BANK ARE ALLOWING HSN, INCTO CONTINUE POSTING INVALID CHARGES TO MY CHARGE ACCOUNT, THIS NEEDS TO STOP IMMEDIATELY, I HAVE HAD ENOUGH, STOP THE INVALID CHARGES IMMEDIATELY I DO NOT OWE THESE CHARGES AND I HAVE DISPUTED THEM FROM THE START, WHEN WAS LIED TO ON THE RECORDED LINE, STATING BY BOTH HSN, INCAND COMENITY BANK THAT THEY DID IN FACT RECEIVE MY ITEMS AND THEY TOLD ME THE DATES THEY RECEIVED THEM AND THAT I WOULD BE CREDITED WITHIN 3-BUSDAYS AND FOR ME TO JUST HANG IN THERE FOR A COUPLE MORE DAYS WHAT DID I END UP, A NIGHTMARE NO ONE LIKES LIARS, NO ONE, ESPECIALLY ME LAUREN S [redacted] CAN SAY WHATEVER SHE WANTS BUT I KNOW WHAT I DID, I KNOW THE TRUTH, I KNOW HSN, INCRECEIVED MY ITEMS, THEY TOLD ME THEY RECEIVED THEM ON THE RECORDED LINE, AS WELL AS, COMENITY BANK I HAVE NO IDEA WHY LAUREN S [redacted] WHO WAS NOT ON THE PHONE WITH ME, WHY SHE IS SWEEPING RECORDED CALLS UNDER THE RUG, WHY? IS SHE RECEIVING COMMISSION FOR EVERY PERSON SHE HURTS ALONG WITH THEIR FAMILIIES? WHY? WHY? IF SHE IS TRYING TO STEAL MY MONEY ALONG WITH HSN, INC., ALONG WITH CHARGING ME INTEREST FOR NOTHING, NO ITEMS, HSN, INCHAS THE ITEMS, LAUREN S [redacted] AND HSN, INCHAVE GOT TO BE OUT OF THEIR MINDS $1,WORTH OF ITEMS JUST DISAPEARED OFF THE FACE OF THIS EARTH, DISAPPEARED NEVER TO BE SEEN AGAIN, LET'S JUST BLAME THE CONSUMER WHO PAYS HER BILL EVERY MONTH, LETS JUST BLAME HER, WHO CARES IF SHE HAS PROOF, TRACKING, HAVE HURT HER AND HER FAMILY WOW! WHO IS LAUREN S***? SINCE SHE IS NOT MAKING ANY EFFORT TO HELP ME, TO STAND BEHIND ME, AND TO CHARGE ME $1,PLUS INTEREST ON ITEMS THAT WERE MAILED BACK TO HSN, INCWITH TRACKING, I DON'T KNOW LAUREN S [redacted] AND I DON'T WANT TO EVER KNOW LAUREN S***, SHE HAS DONE NOTHING BUT WASTE MY TIME, MY FAMILY'S TIME WRITING RIDICULOUS LETTERS FULL OF LIES AND SHE GETS PAID TO DO IT I HOPE LAUREN S [redacted] CAN RESOLVE THIS, AND IF SHE CAN'T I KNOW MY RIGHTS, I HAVE NEVER DISPUTED ANYTHING IN MY LIFE, NOTHING EXCEPT FOR THIS NIGHTMARE, I HAVE TRIED IN GOOD FAITH TO RESOLVE THIS, I CANNOT BELIEVE HOW FAR COMENITY BANK HAS TAKEN THIS DOES LAUREN S [redacted] OWN COMENITY BANK, IS THERE SOMEONE WHO CAN RESOLVE THIS OTHER THAN LAUREN S*I HAVE SENT A 2ND DISPUTE IN WRITING TO COMENITY BANK VIA CERTIFIED MAIL, AS WELL AS, ALL ATTORNEY GENERALS AT THIS POINT ALSO VIA CERTIFIED MAIL AND I WAS ASKED TO ATTACH ALL TRACKING DOCUMENTS THE US POSTAL SERVICE PROVIDED METHANK YOU AGAIN Revdex.com OF CENTRAL OHIO, INCFOR BELIEVING IN ME AND FOR GOING ABOVE AND BEYOND HELPING ME AND PLEASE STAND BY ME, PLEASE UNTIL THIS IS RESOLVED I AM AN HONEST PERSON AND WOULD HAVE NEVER IN MY CONTACTED SO MANY AGENCIES FOR HELP I NEED HELP, I TELL MY SON TO ASK FOR HELP IN SCHOOL AND NOT TO BE ASHAMED NOW IT'S MY TURN, I NEED HELP AND I NEED YOU TO BELIEVE WHAT I HAVE CONTACTED YOU ABOUT, THIS NIGHTMARE THANK YOU SO MUCH THANK YOU! I WILL SCAN AND SEND YOU ATTACHMENTS IN THE MORNING Regards, [redacted]

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Blair credit cardWe are here to answer your questions and assist with your concerns You state you made a purchase of $from Blair on November 23, 2016, and charged it to the above-referenced accountAlthough you returned the item in December of 2016, you received a phone call on February 10, 2017, from the Bank threatening collections about your account being past dueYou further state you explained to the representative that you had not received a statement stating you owed anythingYou requested to have a copy of your monthly billing statement emailed to you, and after you reviewed your account information you contacted the Bank regarding the balance of $The representative you spoke with stated you had to make a payment of $or your account would be turned over to collectionsYou are requesting to have the account closed and the late fees removedWe sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Comenity Capital Bank and Blair are separate entitiesThe Bank issues and is responsible for addressing questions related to Blair credit card accountsBlair is responsible for handling matters related to sales, merchandise processing, returns and shipping 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 Smart Label for the return, your account is billed $for the cost of the return shipping Please also keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee may be assessed to the account, as explained in the Credit Card Agreement On November 23, 2016, a purchase of $posted to the account for one fleece robeOn December 8, 2016, a billing statement was issued reflecting a balance of $24.99, and a minimum payment of $due by January 3, As no payment was received, a late fee and finance charge were assessed to the account, per the Credit Card Agreement On December 28, 2016, a return of $posted to the accountThis return consisted of the following items: credit of $for one fleece robe , and a charge of $for use of the Smart Label On January 8, 2017, a billing statement was issued reflecting a balance of $36.98, and a minimum payment of $due by February 3, Based upon your complaint, the Bank reviewed the applicable phone conversationsMatters of this nature are referred to management so additional coaching/training can be provided to our associateComenity 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 On February 10, 2017, you spoke with a representative of the Bank, and stated you had not received your statement, and you were unaware that there was a balance on the accountAlthough the representative stated that late fee and finance charge credits would be given, only a finance charge credit of $was issued to the accountWe apologize that this was not completed as promisedPer your request, the representative emailed a copy of your monthly billing statement to you On that same date, after you received your billing statement copy, you contacted the Bank and spoke with another representativeDuring that phone call you made a payment of $ In the interest of customer service, on February 14, 2017, additional credits totaling $were issued to remove the previously assessed late fees and finance chargesBecause the account has a credit balance of $10.00, we are sending you a refund check for $Please allow days to receive this refund check, as it is being sent in a separate mailing The account was closed, per your request, on February 14, Although you have closed your account, we hope that you will continue to shop with Blair 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]

Comenity Capital Bank received the complaint for ***. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 06/23/2017. Please provide me and update of the date change for the extension

February 14, *** ***
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*** ** *** RE: *** *** *** *** *** ***
*** *** *** *** ** *** Dear *** ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues multiple credit cardsWe are here to answer your questions and assist with your concerns We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response sent to you on January 26, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
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I am checking my emails from Comenity Bank, and reviewed all my paymendsOnly times I was late with payment (usually day late)There are a few, that the paymend was done on the due day (18th of the month), but I still was charged late feeYour late fees vary between $and $Having average of $late fee (which is a lot for one day of being late) x $= $Or more precisely: $+ $+ $+ 2x $= $This is the maximum amount we should pay, if any(see attached screenshots) Also since January you started adding $minimum charge - I don't understand what is this for.One more thing: 4/22/- Promotional to revolving + $(I don't understand this charge as well)
Regards,
*** ***

I went online to their website and paid the entire balance, if there was a late fee, it would have been included in the account balanceI still don't feel like I owe any other fees
Regards, *** ***

A high level customer service rep from PayPal took the time to call and listen to me.She acknowledged that the seller of the watch withdrew the charge for the watch.She looked at my account and realized that most of the charges were PayPal late fees.She graciously deleted all of the PayPal late charges.PayPal to date, has not closed my account, despite my request.However, fortunately, this account is not linked to my credit card or bank card accounts.If it were not for the Revdex.com, this would not have been resolved, because PayPal lower level employees refused to listen to me. Thank you Revdex.com!

Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Lending Club Patient Solutions credit cardWe are here to answer your questions and assist with your concerns. Your
correspondence indicates your concern about the finance charges that were assessed to your account in connection to the purchase you made on a deferred-interest promotional planYou are requesting for the debt be cancelled, with a refund, as you have been making payments for the past five years and overpaid on the loanIn addition, your attempts to resolve with the Bank were unsuccessful, as the Bank would not provide records of all the payments received. Our records indicate that the Lending Club Patient Solutions credit card account was opened on July 27, 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. The July 29, 2013, purchase for $2,was placed on a 12-month defer interest plan with an expiration date of July 30, 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 of $was applied to your accountThe details of your promotional plan as well as the expiration date were present on each billing statement. Our research further concludes that you were late making payments on multiple occasionsPlease 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 CCA. We have enclosed a table chart below which outlines the dates your payments were applied to the account. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededAs of the date of this letter, the account balance is $1,048.12. We respectfully decline your request for a refund. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M***

I have paid my bill in full only to receive a bill for $when I do not have a balance on this accountThe have reinstated $plus $on my account when indeed this credit was a permanent credit that was issue to me based on a dispute of chargesThe services that I purchased were not utilize and I did not maximize the benefitsI missed my appoint and arrive at my destination lateThey promised me that I should not worry about anything they are there to help me in the best possible way and I will be given a permanent credit for the charges which they did but only to reverse them months later. They need to clear my balance on my account of the $and issue me the permanent credit of $immediatelyThis is theft and bate and switch that they often use I hope that they are paying attention to what has happened to Wells Fargo and Barkley Banks recentlyIn the Past chase and Bank of America have suffered for the same maltreatment of members

Dear *** ***Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Zales credit cardWe are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence
regarding this same matter.Please find enclosed a copy of our response sent to you on March 20, We apologize forthe inconvenience this matter has caused.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***