Comenity Capital Bank

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, *** ***

5:pm Please be informed that I have received a billing statement from Haband ending their unjust charges against me, nowshowing a small $credit balanceThe matter is now closed and I plan no further business with Haband/Comenity Bank.Thanks for your assistance.Sincerely,*** ** *** ***

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***

Dear *** *** We have received the complaint regarding the above-noted account. Comenity Capital Bank issues DentalFirst Financing credit accounts, and we are here to help with all account-related questions. Your complaint,
addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsIn reviewing your complaint, the Bank understands that you financed dental treatments on your DentalFirst Financing account and were not aware that you could not use your HSA card to make payments; therefore, you only had part of your treatments completed with *** *** and had to go somewhere else to complete your treatments. Furthermore, you are disputing the balance owing on your account, as you state you have already paid for the treatments you received. You are requesting that the balance on your account be brought to zero and the information on your credit bureau report be updated We understand your concerns and apologize for any inconvenience this may have caused youPlease be advised that Comenity Capital Bank and *** ***, are separate entities. The Bank is responsible for addressing questions related to the DentalFirst Financing credit account, while *** *** is responsible for addressing concerns regarding treatments, charges, and refundsBank records indicate a charge of $1,posted to your account on September 18, 2015. Please be advised that a credit of $and $posted to your account on October 21, 2015. In addition, on November 24, 2015, a credit of $1,posted to your account. After these three credits posted to your account, it left a difference of $52.75, which you are still responsible forPlease be advised that the Bank reached out to *** *** regarding the difference of $and we were advised that a refund would not be issued, as treatment was provided. If you have further concerns regarding the remaining balance of $52.75, please contact *** *** directlyIn the interest of customer service, the Bank issued a total credit of $for the late fees and finance charges that were previously assessed to your account. In addition, please be advised that in the interest of customer service, we have updated your payment history, to reflect that you were not delinquent with usWe hope the information provided is helpful. Should you have any additional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I would be happy to assist youSincerely, Jenny W***

UPS never contacted us regarding an investigationWe had no missed calls nor was a door hanger leftWe called UPS again and they were suppose to reopen the investigation and call us back in two days which hasn't been doneWe should not be responsible for something that was stollen due to the negligence of UPS and HSNAn item that expensive should have never been left without requiring a signatureThen not only do you leave but you put in on the front stairs on a busy street.
Regards, *** ***

Comenity Capital 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 Your correspondence indicates the Blair account was charged for
merchandise never received, as well as a late fee, and you are dissatisfied with the Bank in trying to resolve this issue. Please understand that Comenity Capital Bank and Blair are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while Blair is responsible for handling matters related to sales, merchandise processing, returns, and shipping. We have reviewed the concerns in your complaint, as well as the applicable telephone conversationsWe 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. Our records indicate a mail order purchase of $40.00, for magazines, was made on December 14, The account billed on December 15, 2016, with a balance of $and a minimum payment of $due by January 10, As no payment was received by the January due date, a late fee and finance charge were assessed to the account On January 23, 2017, the late fee and finance charge were credited from the account, as a courtesyOn January 24, 2017, a credit of $was received as a mail order return, and another late fee and finance charge were credited in error Although one set of credits was valid, on January 29, 2017, both were reversedPlease be assured, on March 6, 2017, I credited the remaining late fee balance of $bringing the 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 ###-###-####. Sincerely,

[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,
*** ***

Dear Mrs***We recently received a complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card accountComenity Capital Bank issues the GameStop PowerUp Rewards™ credit card account, and we respond to all account-related inquiriesI
appreciate the opportunity to assist you.We understand from your complaint, you were notified, via the monthly billing statements, that a purchase of $will qualify for a promotional planWhen you contacted Comenity Capital Bank to request a promotional plan, you were notified by Bank representatives that your purchase did not qualify for a promotional planYou are requesting the Bank place your recent purchase of $on a 6-month promotional planWe understand your concerns, and we sincerely apologize for any frustration or inconvenience you may have experienced.Thank you for taking the time to speak with me on December 29, As a follto our conversation, our records indicate promotional plan financing for the GameStop PowerUp Rewards™ credit account was previously based upon a minimum purchase amount of $Bank records further indicate that your purchase of $on November 22, 2014, was placed on plan 406-and your purchase of $on March 29, 2015, was placed on plan 406-Because there was a remaining balance on plan 406-2, you continued to receive notification, via your monthly billing statement, outlining the promotional plan disclosurePlease be advised that the above-noted transaction have been paid in full; as such, you will no longer see the promotional plan disclosure as of the December 18, 2015, billing statement.We sincerely apologize for any frustration or inconvenience you may have experienced as a result of this matterIn the interest of customer service, we will honor your request and move the purchase of $to a 6-month promotional planThis adjustment will be reflected on one of your next two billing statementsIn addition, we have issued a courtesy credit in the amount of $to your GameStop PowerUp Rewards™ account.In an effort to provide customers with optimal financing abilities, GameStop will continue to offer promotion plan financingHowever, as of May promotion plan financing will vary depending upon the items purchased, not the minimum purchase amount.Lastly, we have reviewed the applicable telephone conversations and we can confirm that you were provided with conflicting information regarding the qualifications for a promotional planCalls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.We 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,Lauren S***

Dear Ms***:We received your complaint, addressed to the Revdex.com, regarding yourLOVELOFT credit card accountComenity Bank issues LOVELOFT credit card accounts, andwe respond to all account-related questionsYour complaint was forwarded to my attention, andI appreciate the
opportunity to assist you.We understand from the complaint that your LOVELOFT credit card account is currently paid offand the reason you paid the account in full is because there was not an automatic payment optionavailable, and as a result you were late on a couple of paymentsWe further understand thatafter you recently reviewed your credit bureau report you noticed the above-referenced accountwas reported once as being delinquent daysYou state that you are requesting a courtesyadjustment to remove the day delinquency report as well as credit any late fees that wereassessedWe understand your concern and apologize for any frustration this matter may havecaused you.After a review of the account we have found there were no Bank errorsHowever, in the interestof customer service, we have sent notification to the credit-reporting agencies to delete the 30day delinquency reporting for the above-referenced accountPlease allow the credit agencies 45days to update their records.We respectfully decline your request to credit the late fee’s that have been assessed to the abovereferencedaccount, as they are valid.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ***
***)I will be happy to assist you.Sincerely,Ashley R***Consumer Relations Specialist

Dear *** ***We received your complaint regarding the above-referenced credit card accountComenity Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my
attention, and I appreciate the opportunity to respond to your concerns.In your complaint, you state that there is an inquiry from the Bank on your credit bureau report in May You further state that you have been a victim of identity theft, and that this inquiry is fraudulentYou are requesting that we remove the inquiry from your credit bureau report.To better assist you, we need additional information to locate the account(s) in questionPlease provide the following:- Complete Comenity Bank Account Number(s)- The brand name the credit card is for- Social Security Number- Any previous addressesThis information can be mailed to the address listed above, or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist withyour concerns.We understand from your complaint, address to the Revdex.com, that you
returned merchandisein December and receive a credit of $on December 20, On February 14, 2017, you stateyou received a letter from HSN advising that the order was credited to the account prior to its returnYoustate that you have contacted HSN several times and this is still not resolved and you have not receivedany response from them regarding this matterYou are requesting that the credit of $be applied tothe account to avoid a late fee being assessed to your account.Please note Comenity Capital Bank and HSN are two separate entitiesThe Bank issues and is responsiblefor addressing questions related to your credit card accountHSN is responsible for handling matters relatedto sales, merchandise processing, returns and shippingPlease contact HSN directly to discuss the creditof $21.30.However, we can assist with helping you avoid being assessed a late fee.We have reduced your minimumpayment due by March 10, 2017, to zeroThis will assure that there are no late fees assessed to the accountat this time.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at (800) ***-***

Comenity Capital Bank has received your complaint regarding the above-referencedaccountComenity Capital Bank issues the HealthiPlan credit accountWe are here to answeryour questions and assist with your concerns.We understand from your complaint that you visited Sterling Hearing Center, and were
told youneeded hearing aidsYou opened a HealthiPlan credit account, and were charged for hearingaids, and subsequent Bank feesYou state you do not have the hearing aids, and you requestthe account be credited for all charges.After review of your account and the previous disputes, we found you not responsible for thebalance of $4,You will see all adjustments and changes to the account transactionsreflected on the next one to two billing statements.Please be assured, notification has been sent to the national credit-reporting agencies withinstructions to remove the reported delinquencies regarding your HealthiPlan accountPleaseallow the credit-reporting agencies days to update their records.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####I will be happy to assist you.Sincerely,

Nothing was resolvedI had an issue with them wanting me to pay a balance for which I was untreatedI received a timely response and I appreciate it but it's not the response I requestedI received the same form to fill out for a dispute and I have been filling this form out repeatedly for some time with no action being taken.I tried contacting Jenny White, the person who responded to me but I keep getting voicemailI haven't left a message because I'm In between personal cell phones and cannot take the calls at work
Regards,
*** ***

Dear *** ** *** ** Comenity Capital Bank has received your correspondence, regarding the above-referenced account. Comenity Capital Bank issues ZALES credit card accounts. We are here to answer your questions and assist with your concerns. We understand your
concerns as explained in your correspondence. You state you filed a complaint about a repair job you were dissatisfied with; due to, the warranty not covering the repairIn addition, you stated that the account balance was paid in full and the bank has contacted you, regarding your account and promotion offers. On December 4, 2016, you attempted to make a purchase, but the purchase was declined. You contacted the bank and were told the account was placed on a hold; due to you requested not to be contacted. You stated the representative was unable to provide proof of the request; as you did not make the request. You are requesting for the hold to be removed from your account, and the issue with your ring to be resolved. On behalf of the Bank please accept my apology for the manner in which your account was handled. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concernsPlease note, Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. It is never the Bank's intention to treat our customers in a less-than-satisfactory manner. Based upon your complaint, the Bank has reviewed the applicable phone conversations. Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed. Bank records indicate that the above-noted account was converted to Comenity Capital Bank on January 22, 2016, and a new account number was establishedA review of your account indicated that your previous account, ending in ***, was closed; due to, no activity on the account, since August In addition, a do not attempt to collect status was added to your account on January 21, 2016, prior to conversion. Please understand, when an account is converted to another lender, the account status and information from the previous credit lender will transfer over to the new account number. This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. We would like to invite you to apply for a new ZALES credit card account in the store or via the ZALES credit card website in the future. Please keep in mind that Comenity Capital Bank and Zales are two separate entities. The Bank is responsible for addressing questions related to the credit card account, while Zales is responsible for handling matters related to sales, merchandise processing, returns, and shipping. We are able to assist you with any concerns you may have regarding the above account. However, if your concern is regarding merchandise, please contact the corporate office of Zales, at ###-###-#### or *** ** *** *** *** *** ** *** and they will be happy to assist you I would like to apologize for any inconvenience this matter may have caused you. I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Tionna M***

Not once did I accuse anyone of identity theft. I simply ask for a copy of the completed application signed by myself but if I need a subpoena to do so, I will. If the bank did not have something to hide, it should be no problem. I will get the subpoena
Regards, *** ***

Dear *** ***:Thank you for contacting Comenity Capital Bank addressed to the Revdex.com, regarding theabove-referenced accountAs the bank that issues Gardner-White credit card accounts, we are here toassist with account-related questionsI appreciate the opportunity to respond
to your concerns.We understand from your complaint that you made a purchase in April of at Gardner-White andcharged the purchase on your accountYou further state that you scheduled automatic paymentsthrough your bank for the 10th or before each month; however, when you logged into your accountthrough our Account Center website, you realized that you were being charged a late fee each monthbecause your payment was lateFurthermore, you state you do not receive paper statements and werenever notified that your payments were lateYou are requesting that half of the late fees be waivedWeapologize for any confusion or frustration this may have caused.Our records indicate that the Gardner-White account was opened on April 12, 2015, in the name of *** The last purchase of $1,was made on April 16, 2015, and the last payment of $37.00was received on March 11, Our records further indicate that on April 29, 2015, you registered youraccount through our Account Center Website and enrolled to receive electronic statementsTherefore,notification was sent to ***, advising that your billing statements were ready to beviewedI have enclosed your billing statements for your records.Please be advised that your payments are due on the 10th each monthThe bank understands that youschedule your payments through your bank on the 10th of each month, when scheduling paymentsthrough your bank, we ask that you schedule the payments seven days in advance to allow time forprocessing.Comenity Capital Bank has not found any errors with the account, and we are unwilling to remove anyfees that were assessed to the account, as they are valid.As of the date of this letter, the balance on your account is $984.51.I hope that the information I provided is helpfulShould you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY ######I would be happy to assist you.Sincerely,Jenny W***

Dear *** ***
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the DentalFirst Financing credit accountWe 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 plan. We have reviewed the concerns noted in your correspondence and we would like to provide you with the following information. The August 31, 2015, purchase for $1,was placed on an month deferred interest payment required plan with an expiration date of March 3, 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 account. The details of your promotional plan, as well as the expiration date, were present on each billing statement. Additionally, the January 29, 2016, purchase for $1,was also placed on an month deferred interest payment required plan with an expiration date of August 1, As stated above, the interest on this purchase is being deferred until the plan expiresIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needs to be paid in full by the promotional plan’s expiration date of August 1, 2017. 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, Rosa M

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

Dear *** ***We received the complaint that you sent to the Better Business 8ureau, regarding the abovenotedaccountComenity Capital Bank issues Boscov's credit card accounts, and we are here tohelp with your account-related questionsYour complaint was forwarded to my attention, and
Iappreciate the opportunity to address your concerns.We understand from your complaint that you are stating you never received notification thatComenity Capital Bank was the new creditor for the Boscov's accountYou further state younever received billing statements, which caused late fees to be assessed to your account.Furthermore, you are requesting that the late fees are removed, any negative reporting removedfrom your credit report, and for the account to be closedWe apologize for any frustration thismatter may have caused you.Please be advised that in March 6, Boscov's credit card accounts were converted to ComenityCapital BankA Change in Creditor notification was sent to accountholders on February 25, 6.This notification advised that Comenity Capital Bank would be the new lender and that you couldcontinue to use your existing credit card until we issued a new card to youRecords indicate a"Welcome Kit" was mailed on August 1, The Bank has no record of mail being returnedas undeliverable from the post office.Our records indicate that the account was opened on August 18, Use of the account, orfailure 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 financecharges and fees.The first billing statement issued by Comenity Capital Bank was on June 1, 2016, with a balanceof $and a minimum payment of $due by June 27, As no payment wasreceived, a late fee and finance charge were assessed to the account, in accordance with theCCA.Review of the account shows a payment for $posted on July 28, On July 30, 2016,you initiated communication through our online Account Center and you were advised aboutpaper statement delivery, and the late fee was waived from the account as a courtesy.The account billed on August 1,6, with a balance of $and a minimum payment of $25.00due by August 27, As the minimum payment was not received by the due date, a late feewas assessed to the account.In the interest of customer service, we have issued a credit of $50.63, for the late fees and financecharge that were previously assessed to the account, bringing the account to a zero balance.Please be assured that your account is not reporting negatively with the credit reporting agencies.The account was closed on October 26, 6, per your request.We hope you find this information helpfulShould you have any further questions or concerns,please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)willbe happy to assist you.Shelley A***

Dear *** ***: We have received a complaint regarding the above-noted accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we respond to all account-related concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist you. We have reviewed the account, and our records indicate that the Bank previously responded to this complaint on February 4, We have enclosed a copy of our previous response for your records. As stated in our previous response, please contact our Recovery team at ###-###-#### (TDD/TTY ###-###-####) to discuss your payment options. As of today’s date, your account balance is $1,066.50. We hope this information is helpfulShould you have any additional questions or concerns, please contact our Recovery team at the number provided aboveThey would be happy to assist you. Sincerely, Jenny W***