Comenity Capital Bank

Once again, you are short changing and trying to steal money from meI had a credit of $5.02, because I consistently overpay the total due each billOn time! I paid $for a total amount due 2-11-of $I paid $for a total amount due 12-26-of $I paid $3-4-for a total balance of $and a bogus late fee of $25.00, which should be refunded in FULLI paid $3-30-for a total due of $19.98 Please refund the $"late fee" in full, AND the credit of consistent overpayments immediately.The refund check should be $PLUS the overpayments I pay consistently. Thank you!
Regards, *** *** ***

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Boscov’s credit cardWe are here to answer your questions and assistwith your concerns.We understand that you have contacted the Bank each month since October
requesting to changeyour due date on the above-referenced accountYou state that we have ignored your request and continueto charge you fees, which you will not pay.After reviewing your account we do see that you have requested to have your due date changedAt thetime of request, your account was past dueIn order for the Bank to assist you with changing your due date,the account must be current at the time of requestWhen your request was made the account was to bebrought current, then the changes were to be madeThe account was not brought current when agreedupon, so the changes did not occur.If you pay the minimum due from your May billing statement on or before June 2, 2017, the accountwill become currentAt this time you will be able to contact Customer Care at ###-###-####, and requestto have your due date changedPlease be advised that the request to change the due date would need tobe made after June 7, 2017, as this is when your account will bill current as long as the payment is madeto satisfy the minimum amount due.We apologize about any inconvenience, confusion, or frustration this may have caused.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement (CCA)Furthermore, if the balance is not paid in full by the due date, the account will beassessed finance charges as explained in the CCA.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####

Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the DentalFirst Financing credit account. We are here to answer your questions and assist with your concerns. We understand from
your complaint that you opened a DentalFirst Financing account in April You state as of February 20, 2017, the outstanding balance was approximately $You state due to not paying off the balance within 18-months, the account was charged $in interestYou state you spoke with two representatives who did nothing to help youYou request the $be removed from the accountI am happy to share my findings. We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service, and are disappointed when a customer feels this standard was not met. Bank records indicate the account was opened June 6, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees. Our records further indicate on August 20, 2015, a transaction in the amount of $1,posted to your account and was placed on an 18-month deferred interest, payment required plan that expired on February 20, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the promotional balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements under the heading, “details of your plans”. Please be advised that a billing statement was issued February 3, 2017, with a balance of $and a minimum payment of $due by March 1, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by February 20, 2017, to avoid paying accrued interest chargesAdditionally, the billing statements issued in December 2016, January and February all provided a reminder that a promotional plan was expiring soon, and to see the “details of your plans” section for detailsWe have enclosed these billing statements for your records As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on March 6, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges. As there was no Bank error, we find the finance charges validWe are unwilling to remove any of the finance charges assessed. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, KaiM***

I have already contacted Equifax and submitted a credit report dispute Equifax instructed me that they could not do anything unless the I felt the claim was made fraudulently They instructed me to contact the PPC/CCB regarding my dispute I have contacted both agencies and yet continue to get the run around as to who has the ability to correct this error.I no longer have the Paypal Credit account, it was closed with zero balance, and I feel it was closed within a reasonable time period upon my finding it was an credit card account opened in errorAll I'm asking is to have the hard credit inquiry made with the credit bureaus be removed considering this was a credit card opened in error.I have attached Equifax's response to my claims made earlier this month and the instructions they gave me in effort to resolve the matter.
Regards,
*** ***

I would like to see a copy of the application that I supposedly filled out and siged my signature. Contrary to what Westgate Resort says, I have contacted and reached out to them several times. They have also called me several times and I told them each time that I do not own a timeshare
Regards, *** ***

Dear *** *** 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 We previously received and
responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matterPlease find enclosed a copy of our response sent to you on March 8, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H*** ______________________ Dear *** ***Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Blair credit cardWe are here to answeryour questions and assist with your concerns.Your correspondence states you have been harassed since December as the result of alate feeYou mention that you paid the balance off in November and called requesting this becorrected, but your concerns have not been resolvedYou request the late fees be removed, theaccount closed, and all information removed from your credit bureau information.We have reviewed your concerns and would like to provide you with the following information.The last payment the Bank received was on October 11, 2016, in the amount of $Thisamount was the amount referenced as your balance on your prior billing statement; however, thispayment was received after your payment due date of October 7, Please keep in mind thatwhen payments are not received, are received after the due date, or are made for less than theminimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement (CCA)As such, a late fee was assessed to your accountThe account was thenassessed another late fee during the November billing cycle as no further payment wasreceived from you.On November 21, 2016, as a result of a call with the Bank, a one-time courtesy credit, for one ofthe late fees and associated finance charges, was applied to your accountWe also informed youduring this call that the late fees were assessed accurately, and you would still have a balanceafter the courtesy credit was appliedYour account was also closed per your requestSince nopayments were received following the call, your account continued to be assessed late fees andfinance charges, in accordance with the CCA.While we understand your concerns, the late fees and finance charges were assessed accuratelyto your account, and we find your account balance of $to be valid; however, as a courtesywe have brought your account to a current status to allow you time to receive our response andmake a payment without further impacting your payment historyWe respectfully decline yourrequest to remove any additional late fees and finance charges or update your past paymenthistoryWe have verified we are reporting the account correctly to the credit reporting agenciesas we are required by law.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Erin M***

Dear *** *** We received your complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I
appreciate the opportunity to assist you. We understand from the complaint that you were enrolled in the Hardship Program due to unemployment. You state that you set up automatic payments for $a month; the amount agreed upon when signing up for the programHowever, you received notification that you had been removed from the Hardship Program because you have been paying $a month instead of $a month; the minimum amount due, which you were unaware ofWe understand you would like to be placed back on the reduced monthly payment, as well as having any negative information reported to the credit bureaus removed due to this matterWe understand your concerns and apologize for any frustration this matter may have caused you. After a thorough review of the above-referenced account, records indicate the Hardship Program was considered unsuccessful due to receiving minimum payments of $rather than $11.00; however, at the time of enrollment you were assured the minimum payments would be $Please be advised the account has been re-enrolled in the Hardship Program with a minimum payment due of $a month. The program will be extended on the above-referenced account until December 28, 2016. Please be assured that while in the Hardship Program your minimum payment will be $a monthPlease be advised that your statement may indicate a different minimum payment; however, we will adjust the account to ensure the account will be current with a $payment each month. Comenity Capital Bank issued credits in the amount of $for the previously assessed late fee and $for the previously assessed finance charges. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to remove the past due payment history that was reported for September and October from your credit reportPlease allow the agencies days to update their records. We value you as a customer, and hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Ashley R***

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

Dear *** ** ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the My BJ's Perks World *** credit cardWe are here to answer your questions and assist with your concerns. We understand that negative reporting was placed on your credit report on December 22, 2016. During this time you switched to paperless billing, and had not received a billing statement due to a technical issue that a representative acknowledgedWhen the Bank contacted you about the non-payment on the account, you paid the balance in fullYou state that while questioning the notification of account status, that the representative was rude and you decided to close the accountYou are requesting to have the delinquencies removed from your credit report. We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsPlease see our findings below. On December 17, 2016, you were contacted by the Bank to collect on the past due balance. During this conversation you advised the representative that you had not received a billing statement, and you thought you had made the payment on the accountYou were advised that the account was set up for paperless billing, in which you would get an email notification for the statements, and that there had been two late fees assessed to the accountThe representative advised that they would be able to waive the most recent late fee in the amount of $You made a payment of $for the remaining balance on the accountAt this time you elected to close the account as you stated you don’t pay late feesThe account was closed per your request. Your account was registered through our online Account Center on October 28, 2014, which provides account holders the ability to view statements and make payments onlineOn the same date, you enrolled in paperless statements, meaning you will receive your statements online versus postal mailWhen enrolled in paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you the statement is available to be viewed. The last SREs were sent on October 19, and November 18, 2016, and we do not have record of emails being returned as undeliverable from the email address you provided. This card is issued by Comenity Capital Bank pursuant to a license by *** International Incorporated*** is a registered trademark of *** International Incorporated. When speaking to our representative you were not advised of any technical issuesThe representative confirmed that the account was on paperless billing and you would have received a SRE notificationThe representative advised that it could have been possible that the email went to your spam, as it was sent and you had been enrolled in paperless statements since October 2014. On January 18, 2017, you contacted the Bank as you had received a billing statement even though you paid the account balance in full on December 17, You advised the representative that the account was supposed to be closed, and gave the circumstance of the call that took place on December 17, The representative confirmed that the account had been closed per your request, and advised that the late fee was not credited as previously advisedAt this point the late fee was creditedThis was reflected on your February billing statement. 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 AgreementPayment was not made by the due date in November and December 2016, the account was reported delinquent as we are required by law to report factual information. As a courtesy, we sent a request to the credit reporting agencies to remove the delinquency reported in December from your credit fileCommented [SD1]: Updates to verbiage made for the sake of clarity I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***

Dear Ms***:We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your rejection states you do not agree with our previous response letterYou believeyou should not be responsible for the balance owed on your account because youraccount should have been closed and paid for prior to the alleged fraudulent chargestaking place.We reviewed your account and our previous response, and did not find anydiscrepanciesAs of the date of this letter, your fraud claim remains declined becausePayPal Credit has not received your signed Affidavit or any supporting documentationfor your claimAs stated in our previous response, in order for PayPal Credit to furtherinvestigate on the allegation of fraud, additional documentation is necessaryThisdocumentation may include a police report filed in connection with the alleged fraud, aFederal Trade Commission affidavit available at www.ftc.gov, a complaint filed with theInternet Crime Complaint Center (http://www,ic3.gov), andlor any other similardocumentationYou may fax this documentation to ###-###-#### or mail it to thefollowing address:PayPal CreditAttn: Executive EscalationsP.OBox 5018Timonium, MD 21094As an additional courtesy, PayPal Credit waived one late fee totaling $Thiscredit is reflected on your December 8, 2015, billing statementPayPal Credit is unableto waive your remaining balanceAs of the date of this letter, your account is closedwith a balance of $No minimum payment is due at this timeYour nextrequired minimum payment will be reflected on your next statement dated January 8,We hope this letter explains and resolves this matter.Sincerely,Laura C***

Dear *** ***: Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the ALPHAEON credit cardWe are here to answer your questions and assist with your concernsWe understand from your correspondence, addressed to
the Revdex.com, that you had a hardship due to having surgeryYou state that you made payments every month of $On October 5, 2016, you made a payment of $161.00, and on October 10, 2016, you made another payment of $to cover the month of November You state that you emailed the client to advise them why you made two payments in October, and this was to resolve the late fees that were assessed to the accountYou also state that you received a nasty phone call from the Bank and were advised that the payment was $You are requesting to have the fees removed, and the calls from the Bank stoppedWe have reviewed the concerns in your correspondence, as well as the applicable telephone conversationWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metPlease be assured that a “do not call’ status has been placed on the telephone number ending in ***, per your requestPlease note Comenity Capital Bank and ALPHAEON are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountALPHAEON is responsible for handling matters related to sales, refunds and treatment plansIn regard to the payments of $made on October 5, 2016, and $made on October 10, 2016, both payments were applied to the October billing cycleA statement was issued to you on October 25, 2016, with a balance of $2,with a minimum payment of $due on November 20, As no payment was received by the due date a late fee was assessed to the account in accordance with the Credit Card agreementOn November 24, 2016, a statement was issued to you with a balance of $2,and a minimum payment due of $due on December 20, A payment of $was received on December 9, Additionally, a late fee credit of $was applied to your account as a courtesy on December 13, As the payment received was less than the minimum payment due, another late fee of $was assessed to the accountOn December 25, 2016, a statement was issued to you with a balance of $2,and a minimum payment of $due on January 20, A payment of $was received on January 19, As the payment received was less than the minimum payment due, another late fee of $was assessed to the accountOn January 25, 2017, a statement was issued to you with a balance of $2,and a minimum payment of $due on February 20, A payment of $was received on February 2, As the payment received was less than the minimum payment due, another late fee of $was assessed to your accountEnclosed are the statements mentioned above for you reviewPlease 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 AgreementAs of the date of this letter, the balance on the account is $1,982.91, with a minimum payment of $due by March 20, 2017, and the account reflects two billing periods past dueAs your account was issued a credit for the Bank fee previously, please understand that we are unwilling to credit your account any additional late fees at this timeWe encourage you to contact our Payment Solutions team at ###-###-####, to discuss suitable payment arrangements. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***

I am rejecting this response because:It's been days with no response, and no resolveJust stating that it's being looked into
They've been lying to me from the startI think it's just to get me to close this caseI received a survey for how well the Bank handled my situation todayOf course I put all negativesDoes that mean they're done handling it? My account still isn't fixed
Regards,
Jennifer B***

Dear *** *** We received your complaint, addressed to the Revdex.com, regarding your Blair credit card account. Comenity Capital Bank issues Blair 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. You state in your complaint that you thought automatic monthly payments were set up on your account. You further state that your Blair account has been open since November of 2014, and although you have made all of your payments on time, you received an email stating that your account was two weeks lateAdditionally, you received a notice from your credit monitoring service that your credit score had been dropped, and when you checked your credit bureau report you became aware that your credit limit had been reduced. You are requesting to be emailed or mailed a monthly statement, for your credit limit to be reinstated, the late fee to be removed, and the ability to make automatic monthly payments from your checking account. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have reviewed your account and are happy to share our findings. We have enclosed copies of the April and May monthly billing statements, for your review Please understand that Comenity Capital Bank does not have the ability to enroll a customer in paperless billing. When a customer registers for the Account Center site, he or she may elect to enroll in the Bank’s paperless billing program. The paperless enrollment option may be cancelled by the consumer at any time. Prior to enrollment, the consumer is presented with information regarding paperless billing and electronic communication. In order to proceed with the Account Center registration, the consumer must select “Yes” to continue with paperless enrollment, or the “No” option to cancel paperless enrollment. Furthermore, a consumer has the ability to change the account’s billing preferences by selecting the Update Paperless Preferences option listed in the Account Service section of Account Center. Bank records indicate that on December 15, 2014, you elected to receive paperless statements. The email address provided was [email protected], and we show no record of the statement ready emails being returned as undeliverable. To ensure that our billing statement reminder and confirmation e-mails are not treated as junk mail or SPAM, please add the following email addresses to your email address book: *** On April 7, 2015, a statement ready email was sent to *** indicating a balance of $with a minimum payment of $due by May 3, 2015. As no payment was received by the due date, a late fee and finance charge were assessed, pursuant to the terms outlined in the Credit Card Agreement (CCA). In the interest of customer service, we have reinstated your credit limit to $500.00, and we have issued a credit of $to remove the late fee which was previously assessed. This credit will appear on one of your next two monthly billing statements. We do not offer recurring payments to our customers at this time; however, please note the following ways in which payments may be made: Online: Online payments submitted before 6:p.mEastern Time (ET) can be credited to your account the same-day. Online payments submitted after 6:p.mET will be credited the following day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your Blair account. Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you are a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Need to rush a payment?If you need to make a payment the same-day, you may call us at the phone number on the back of your billing statement to speak to a customer care representativeA fee applies to same-day payments made with a representative. We hope you find this information to be helpful. Should you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist

The interest on is over dollars? This is a joke, right?

Dear *** ***Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountsComenity Bank issues the BrylaneHome credit cardWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you applied for a few credit
cards with our BankYoustate you received two credit cards from BrylaneHome and were billed for purchases on bothcredit cardsYou contacted the Bank and were told to pay off one account and the account wouldbe closedYou state you managed to pay off one of the accounts; however, you continued toreceive statements for the account you state has been paid off and closedFurthermore, you arerequesting to have this account paid off and closed and you are requesting to have your creditbureau corrected.Bank records indicate the BrylaneHome account ending in 0831, has a balance of $Theaccount was closed on August 18, The last payment on the account was received onSeptember 15, 2016, in the amount of $Additionally, we show the due date for the accountis on the 6th of every monthDue to the fact that your payment was received late, your accountincurred late fees and finance chargesIn the interest of customer service, we have issued youraccount a credit in the amount of $98.00, leaving a zero balanceAdditionally, we sentinstructions to the credit reporting agencies to remove the account, in its entirety, from your creditreportPlease allow days for this information to be updated.For the account ending in 7712, we show the account is five billing periods past due with aminimum payment of $due by February 6, 2017.Please note that should an account exceed six consecutive billing periods past due, the accountwould be permanently closed and written off, due to non-payment, and reported to the nationalcredit-reporting agencies as an unpaid debt.We understand customers may experience difficulty making their payments due to economicfactorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program or in ourCustomer Long-Term Workout ProgramThese programs can provide customers with specialterms in order to help bring the account currentIf you are interested in obtaining information onwhether you qualify for one of these programs, please call ###-###-####.Also, customers who are experiencing financial difficulties are encouraged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistanceComenity Banksupports and participates in the programs provided by CCCS agenciesShould you wish to obtaininformation regarding their programs, or for a member agency located near you, please contactthe National Foundation for Credit Counseling at ###-###-####.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***

I reviewed the response made by the business and find the resolution is satisfactory to me

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I did not ask for Comenity to remove the closed account and/or inquiry from my credit report I did ask that they reinstate my new and closed Ultimate Rewards account with respect to the positive relationship I have had with their company to date, and that they have never had any negative experience with me and should not expect to, therefor I feel my account was unfairly closed Additionally they state they mailed a letter advising me of this on 1/27, which in their records may be true, however I did not receive the letter until 2/4/17.
Regards,
*** ***

I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meI hope that in the future that they will better protect their customers against sellers like this
Regards, *** ***

Hello, I do not have any documents to support my complaint but could it be possible to pull the phone calls that were taken from me and also the banks cut off timesI don't think everything is always on paper to make a point but if you need anything else from me I can try to provide the informationI have seen numerous complaints for this business and I really think there is a pattern of bad business.Regards, *** ***

Dear Ms***We received the complaint you sent to the Revdex.com regarding PayPalCreditYour correspondence was fowarded to Comenity Capital BankThe PayPalCredit 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 theircustomers.Your complaint states you made a payment to PayPal Credit on December 30, 2015;however, your account still reflected a minimum payment due on January You stateyou contacted PayPal Credit via email, but did not receive a timely responseYou werelater advised since your payment was made before your account cycled, you still had aminimum payment due, and a late fee was assessed to your accountYou arerequesting PayPal Credit apply your payments to your January, February and Marchminimum payments and update your account to reflect no payments were made late.Your statement dated January 2, shows your payments of $datedDecember 3, and $dated December 31, This statement also showsyour ending balance of $1,and your minimum payment requirement of $27.00due by January 27,2016.On January 24, 2016, you sent an email to PayPal Credit and inquired why yourminimum payment was still dueAt this time, an automated response was emailed toyouThis response was not sent to you by a representative, but by our system in anattempt to provide you with some immediate information that may assist in answeringquestions within the category you choseThese automated responses are sent as acourtesy because a custom response from a representative may take longer to get toyouHowever, if any automated message sent does not address your specific question,you only need to send a brief reply as explained in the e-mail and any additionalquestions will be researched by our representatives.On February 2, 2016, you sent a follemail to PayPal Credit stating you madeyour January payment on December 30, 2015, and requested for your account to beupdatedPayPal Credit replied and advised that your account cycles on the 2nd of eachmonth and, "Any payments or purchases made on or before that date are applied to theclosing cycle..+your payment was applied to the billing cycle that closed on 1/02/2016."The email also advised, "...We can reimburse your $payment if you wishOnceyour payment shows as completed within your PayPal transaction history, please call usat ###-###-#### and one of our Customer Service teammates will advise how thereimbursement process works." On February 3, 2016, PayPal Credit received youremail requesting the late fee be waivedPayPal Credit replied and advised that one$late fee had been waived.Upon receipt of your present complaint, your account was reviewed and it wasconfirmed your payments were applied correctly according to the PayPal Credit Termsand Conditions, which you accepted and agreed to when you opened your account.The Terms and Conditions state, in part, "If you pay more than the Minimum PaymentDue in any Billing Cycle, you still must make the Minimum Payment Due the next BillingCycle."Your payment of $30+was received on December 31, 2015, before your accountcycled on January 2, PayPal Credit is unable to apply this payment to yourminimum payment that was due on January 27,2016; however you can request for your$payment be refunded to youPayPal Credit is also unable to apply a portion ofthe $payment received February 3, 2016, toward your March minimum paymentdue because PayPal Credit cannot apply early payments to the minimum payment duein the following billing cycleEarly payments are considered "prepayment" and don'tchange your obligation to make the minimum payment due the each billing cycle.Please note your account cycles on the 2nd of each month and your minimum paymentdue is required by the 27th of each monthTo request a change in your due date, or torequest a payment refund, please contact customer support at ###-###-####.As of February 16,2016, your account is open with a balance of $ 1,170.20.We hope this letter explains and resolves this matter.Sincerely,Christina W***