Comenity Capital Bank

Dear Mr*** 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 sent in two money orders for $The first money order that was sent was lost in the mail; therefore, you had to order a second money order of $and were charged $in processing feesYou further state that your balance at the time was $48.22; however, according to the last correspondence you received, your balance is $You believe the Bank owes you $for the cost to purchase the second money order. We understand your concerns, and sincerely apologize for any inconvenience this matter may have caused you. After a thorough investigation our records indicate a payment of $was received on November 5, 2015. On November 9, 2015, in the interest of customer service, $was credited to your account for the processing fee of the second money order. Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $for the previously assessed Bank feesThese credits resulted in a credit balance on your HSN accountA refund check in the amount of $has been requested and should be received within the next days via separate mailing. Additionally, Comenity Capital Bank sent notification to the national credit-reporting agencies with instructions to delete the negative payment information that was reported from January-April regarding the HSN accountPlease allow the national credit-reporting agencies up to 45-days to update their records. Please be assured the account was closed per your request on October 14, Although you have closed your account, we hope you will continue to shop with HSN. 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, Ashley R***

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, *** ***

Dear Mr***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.You state in your complaint that you spoke with a customer service representative on January 20, 2016, and at that time, you were advised that your purchase of the Samsung Note and the Vizio TV was not paid in full by the promotional plan end dates, resulting in the assessment of interest charges totaling $Furthermore, you state that you were unaware that you needed to contact Comenity Capital Bank to reallocate your payments to ensure that the accrued interest charges were not assessed to the account; as such, you are requesting the Bank remove the above-noted charges.We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you.After a thorough investigation, our records indicate that a purchase of $was applied to the above-noted account on April 1, 2015, for the Samsung Galaxy Note, and was placed on plan 441-1: a 9-month deferred interest payment required plan, due to expire on January 3, 2016.On January 3, 2016, there was a remaining balance due, in the amount of $427.90, on promotional plan 441-Please be advised on January 7, 2016, this balance was transferred to the account’s revolving balance and interest charges totaling $were assessed to the account.Bank records further indicate that a purchase of $was applied to the above-noted account on April 2, 2015, for the HPP Electronic Year Repair Plan, and was placed on plan 441-2: a 9-month deferred interest payment required plan, due to expire on January 4, 2016.On January 4, 2016, there was a remaining balance due, in the amount of $49.95, on promotional plan 441-Please be advised on January 7, 2016, this balance was transferred to the account’s revolving balanceNo interest charges were assessed to the account as a result of this plan expiration.As agreed upon at the time of purchase, no interest would be assessed to the account should the balance of your promotional plans be paid in full as of the scheduled ending dateFurthermore, information about your promotional plans was provided to you on your monthly billing statements in the “Details of your plans” sectionSpecifically, accountholders are instructed that should a balance not be paid in full by the promotional plan end date, accrued interest charges dating back to the original date of purchase, will be assessed to the account.Additionally, once a payment is received, it is distributed as follows: Unpaid fees, scheduled payment of lowest to highest Annual Percentage Rate (APR) plans, scheduled payment of revolving balance, scheduled payment of accrued interest plans, scheduled payment of waived interest plans, balance of accrued interest plans within the last two billing cycles of the promotional plan end date, balance of revolving with descending APR, balance of low APR plans, balance of accrued interest plans, and balance of waived interest plansInformation regarding payment distribution can be located in Section C of your Credit Card Agreement (CCA)Enclosed, please find a copy of the CCA, for your review.Based upon your complaint, the Bank has reviewed the applicable telephone conversation from January 20, We have identified that you were provided with inaccurate information regarding the items that were placed on the above-noted promotional plans, the Bank’s payment distribution structure, and the total interest charges that were applied to the account at the expiration of plan 441-and plan 441-Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.In the interest of customer service, we have issued a credit of $on January 21, 2016, to remove half of the previously assessed interest chargesThis adjustment was made as a one-time courtesy, and we are unwilling to remove any additional charges.Please note that there are two active 9-month deferred interest payment required promotion plans: plan 441-for the Vizio M50” Series, due to expire on February 15, 2016, and plan 441-for the Simmons Brrecharge L, due to expire on February 16, Should the balances not be paid in full by the promotional plan end dates, accrued interest charges dating back to the original date of purchase, will be assessed to the account.Lastly, our records indicate that the annual percentage rate on your HSN credit card for revolving balances is 26.99%If there is a revolving balance on your account at the end of each billing cycle, interest charges will be assessed monthly, pursuant to the terms of the CCA.We hope you find this information to be helpfulShould you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Lauren S***

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,

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 PayPal CreditYour correspondence was forwarded to Comenity Capital BankThe 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 a credit inquiry was performed without your authorizationYou also state you did not provide your social security number, date of birth, or other personal information required to apply for creditIn addition, when you sent a request to dispute the inquiry on your credit report, PayPal Credit advised the inquiry could not be removed. PayPal Credit's records reflect a PayPal Credit account was opened in your name on March 2, 2015, in connection with an online purchase of $through eBay seller ***
** *** PayPal Credit was initially selected as the payment method for your purchase, and you completed the application for a PayPal Credit accountAfter your application was submitted and approved, you subsequently changed the payment method for your purchase and selected a debit cardAs a result, the purchase did not post to your PayPal Credit account. When a consumer is presented with an opportunity to apply for a PayPal Credit account, there are several affirmative actions the consumer must take in order for an application to process with PayPal Credit and an account to be openedFirst, the consumer must provide their name, date of birth, billing address, phone number, and last four digits of their social security numberSecond, the consumer must affirmatively agree to E-Sign Consent and agree to be presented with the Terms and Conditions and other important disclosures electronically, which requires that the consumer click "Agree and Continue." The consumer then must review and affirmatively accept the electronically presented Terms and Conditions by clicking “Agree and Apply.” The first line of the Terms and Conditions states, “PayPal Credit is an open-end credit plan offered by Comenity Capital Bank (the “Lender”)…and [you] authorize the lender to review your credit report.” This immediately informs a consumer they are applying for a line of credit and a credit inquiry will be performedPlease note, at any point during the application process a consumer has the option to cancel the application. On March 2, 2015, you called PayPal Credit and requested your account be closed. PayPal Credit closed your account and confirmed this was complete. PayPal Credit received a letter from you on February 22, 2016, in which you requested the inquiry be removed from your credit reportPayPal Credit responded in a letter dated February 29, 2016, informing you the inquiry was valid, and as a result, PayPal Credit cannot request the inquiry be removed. Upon receipt of your present complaint, a fraud claim was filed and the account was referred for investigationOn March 18, 2016, correspondence was mailed to the billing address listed on your account to advise your fraud claim was denied because PayPal Credit is unable to confirm fraudulent activity based on the information currently in our possession. In order for PayPal Credit to further investigate this matter, please provide documentation to support your claimThis documentation may include a police report, a Federal Trade Commission affidavit available at www.ftc.gov, a complaint filed with the Internet Crime Complaint Center (http://www.ic3.gov), and/or any other similar documentationYou may fax this documentation to ###-###-#### or mail it to the following address: PayPal Credit Attn: Executive Escalations P.OBox 5018 Timonium, MD 21094 Pursuant to the Terms and Conditions, to which you agreed when you opened your account, you were notified you were applying for a line of credit and that a credit inquiry would be performedTherefore, PayPal Credit is unable to accommodate your request to remove the inquiry from your credit reportAs of March 22, 2016, your account is closed with a zero balance. We hope this letter explains 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***

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

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***

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 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***

comenity bank answer to my complaint & reason given security concern is absolutely unacceptable, I have provided the bank with required documents and infact resent the documents on 12/7/and received by them on 12/12/with my updated photo id matching my current residence address, social security card & bank statement to reopen my acccount.all accounts were responsibly usedn and all paid on time without any lates.pls have the bank give justifiable reason to close or reopen my accounts and let me perform
Regards, *** ***

Dear *** ** *** Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concernsWe understand from the
correspondence, submitted to the Revdex.com, that you state that you attempted to make a payment online and found that you could not pay anything but the minimum payment dueAt that time you called the Bank, and could not speak to a live person; you state there was a fee to speak to a live personYou also state that you sent your last payment on January 31, 2017, which was due on February 5, You state that you received a statement with a late fee of $because the payment did not reach the Bank until February 7, You also state that there is a five day grace periodYou are requesting that the late fee be removed, the payment of $refunded back to you and assurance that there is no derogatory information reported on your credit filePlease be advised that the Bank does not charge customer’s a fee to speak to a live personAdditionally, you may pay more than the minimum balance on our website, and please note that the account does not offer a five day grace periodA late fee is assessed if the minimum payment is not received by the due date as stated in the Credit Card AgreementWe apologize for the frustration this matter has caused youPlease be assured that the late fee of $was credited to your account on February 16, Additionally, a refund check of $for the payment submitted on March 6, 2017, has been requested and will arrive in a separate mailing in 7-daysPlease note that the Bank has not reported any derogatory information on your credit fileI 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***

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) ***-***

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 *** ***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***

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***

Dear Ms*** We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues GEM accounts,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 regarding the telephonecalls you received regarding your GEM account. We would like to apologize for any inconvenience this matter may havecaused you. Our records indicate that a purchase for$was charged to the account on November 28, 2014, and was placed on a 6month deferred interest, 1% payment required plan. A statement was sent on December 15, 2014,with a balance of $and a minimumpayment of $due by January 10, 2015. Although no payment was received by the due date, the account was notassessed a late fee. The account billed on January 15, 2015, with thebalance of $and a minimum payment of $due by February 10, 2015. Again no payment was received and a late feecharge for $was assessed. The account billed on February 12, 2015, witha balance of $and a minimum payment of $due by March 10, 2015. A telephone call was made to you on February19, 2015, and you agreed to process a payment for $using your debitcard. You provided your debit cardinformation and the payment was initiated and an electronic payment fee of$was applied to the account. On March 4, 2015, a payment of $wasapplied to your account which brought the account balance to zero. However, on March 31, 2015, your previousdebit card payment of $was returned to the Bank as unauthorized. Therefore, the $was added back to theaccount The account billed on April 14, 2015, with abalance of $and a minimum payment of $due by May 10, 2015. As no payment was received, a late fee chargefor $and a finance charge for $were assessed to the account. The account billed on May 15, 2015, with abalance of $and a minimum payment of $due by June 10, 2015. As no payment was received, a late fee chargefor $and a finance charge for $were assessed to the account. The account billed on June 14, 2015, with abalance of $and a minimum payment of $due by July 10, 2015. On June 16, 2015, you were contacted by phoneregarding the past due payment and a payment of $was applied to youraccount and an electronic payment fee of $was also applied to theaccount. The account billed on July 15, 2015, with abalance of $and a minimum payment of $due by August 10, 2015. As no payment was received, a late fee chargefor $and a finance charge for $were assessed to the account. The account billed on August 15, 2015, with abalance of $and a minimum payment of $due by September 10, 2015. As no payment was received, a late fee chargefor $and a finance charge for $were assessed to the account. The account billed on September 14, 2015,with a balance of $and a minimum payment of $due by October 10, 2015. On September 27, 2015, you were contacted bytelephone regarding the past due balance, and a credit of $for previously assessed late fees was applied toyour account. This adjustment created acredit balance of $ A refund check hasbeen requested and should be received within business days. Also, please be advised that your account isreporting as current with the credit-reporting agencies. Your account balance is zero; therefore, noadditional calls will be made to you regarding the account balance at this time. Our records indicate that the number we haveon file for servicing purposes ends in *** Please be advised that no other telephone numbers have been contactedregarding this 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*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,Ashley H*** *** ***

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 the complaint regarding the above-noted account Comenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we respond to all account-related concerns Your complaint, addressed to the Revdex.com, was
forwarded to my attention, and I appreciate the opportunity to assist you. In your complaint, you state financed dental treatments on your account, and the purchase of $1,was placed on a term of 0% APR for months You further state that you continued to make on time payments, and you were able to pay more than half of the balance; however, you were unable to pay the balance in full by the end of the promotional period As a result, you noticed that you were charged back interest You feel this is unfair and are requesting that the Bank absolve any obligation to pay the balance on your account I understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Our records indicate that on March 15, 2103, a purchase of $1,posted to your account and was placed on an 18-month deferred interest, payment required plan that expired on September 16, 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 account Interest is accrued (calculated, but not added to the balance) and if the 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 balance Please be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans” I have enclosed your billing statements for your review. Please be advised that a statement was issued to you on August 24, 2014, showing a balance of $with a minimum payment of $due by September 19, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid by September 16, 2014, to avoid the accrued finance charge The Bank received your payment of $on September 12, Please be advised that the payment did not pay your promotional balance in full 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 September 16, 2014, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges. Our records further indicate the last payment we received was on November 21, 2015, for $ Although, statements continued to be issued to you, no other payments have been received on your account; therefore, late fees and finance charges continued to be assessed to your account Furthermore, on June 23, 2016, your account was permanently closed, written-off, and reported to the credit bureaus as unpaid debt with a Write-Off balance of $1, Comenity Capital Bank did not find any errors with the account; therefore, we are unwilling to remove any fees, as they are valid In addition, on August 29, 2016, your account was sold to *** *** *** Please contact them at ###-###-#### for any questions regarding the debt. We hope this information is helpful Should you have any additional questions or concerns, contact *** *** *** at the telephone number provided. Sincerely, Jenny W*** Consumer Relations Specialist