Comenity Capital Bank

We have received your complaint addressed to the Revdex.com, regarding theabove-referenced accountComenity Capital Bank issues *** *** Credit Card Accountsand we respond to all account-related questionsYour complaint was fowarded to myattention, and I appreciate this
opportunity to assist you.We understand from your complaint that you applied for a *** *** ***@ card onAugust 19, You received an ernail on the same date indicating that you had beenapproved far the account with a credit line of $When you received the card in the mail,you were concerned because it was not the *** card but the store level credit cardYoucontacted the bank on August 28, 2015, and inquired about what transpired with yourapplication and the representative was unable to locate a *** card applicationYou faxedin proof of the email you received confirming you were approved for the *** cardYouwould like for the Bank to honor the approval of the *** cardWe apologize for anyinconvenience or frustration you may have experienced because of this matter.Thank you for speaking with me September 28, Per our conversation, we were able toapprove you for a *** *** ***@ accountThis card should be received within thenext seven to ten business days.We hope you find this information to be helpfulIf you have any further questions regarding thisletter, please contact me at ###-###-####, ext*** (TDDTSTY ###-###-####)will behappy to assist you

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 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

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,
*** ***

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,

Dear Mr***
addressed to the Revdex.com, regarding your GameStop PowerUpRewards™ credit card accountComenity Capital Bank issues GameStop PowerUp Rewards™ credit cardaccounts, 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 purchased a Xbox Game Console at a Game Stop location inTennessee to be shipped to a Game Stop store in Illinois for your brother to pick upYou state you calledGame Stop later that night to cancel that same orderA couple months later you were still receivingstatements for the item you never receivedYou spoke with Game Stop online ordering department wherethey confirmed the item was not shipped and issued you a refund checkYou then applied the refundcheck to your GameStop PowerUp Rewards™ credit card account, however, there were still Bank fees inthe amount of $121.57, which you recently paid, that you would like to be credited to your account.We understand your concerns, and sincerely apologize for any inconvenience this matter may have causedyou.After a thorough investigation, although there were no Bank errors, in the interest of customer service, wehave issued credits totaling $for the previously assessed Bank feesThese credits resulted in acredit balance on your GameStop PowerUp Rewards™ accountA refund check in the amount of $121.57has been mailed to you and should be received within the next days via separate mailing.We value you as a customer, and hope you find this information to be helpfulIf you have any furtherquestions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,Ashley R***

I will be moving forward with this complaintI'm also request for the recording call to be emailed to meI will not allow you all to treat another person like thisYou all have been sued for thisThis have to end
Regards, *** ***

Dear *** *** We received your complaint, on behalf of *** ***, regarding the above-referenced account. Comenity Capital Bank issues Haband credit cards, and we are here to help with your account-related questions. Your inquiry was forwarded to my
attention, from the corporate office of Haband, and I appreciate the opportunity to respond to your concerns. You state that your mother was charged for merchandise she never received, as the merchandise was sent to an unknown address, and was returned as non-deliverable. You further state you were told the account was closed and all charges were reversed; however, your mother continues to receive billing statements reflecting a balance. Additionally, although you have provided power of attorney papers to the Bank, you have never heard back. You are requesting for the charges to be removed from the account, and to have no further contact from this company. We sincerely apologize for any inconvenience or frustration that this matter may have caused you. Comenity Capital Bank and Haband are separate entities. As the bank that issues Haband credit card accounts, Comenity Capital Bank would resolve issues that pertain to the billing of the credit cards and Haband would resolve issues that pertain to the merchandise and shipping charges. We have reviewed your mother’s account, and are happy to share our findings. Please be assured, on May 27, 2015, your power of attorney papers were received and the account was noted accordingly. Our records indicate that the Haband account was opened on October 22, 2014, in the name of *** ***. This account was opened when she contacted Haband to place an order by telephone. Your mother had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in her credit report which satisfied the Bank’s criteria for creditworthiness. At the time the order was placed, she would have been asked if she were interested in opening a Haband account, based on the pre-approved credit offer. The account was opened, and a purchase of $was placed. This purchase posted to the Haband account on October 22, 2014, and consisted of a coat and a cable sweater. Also on October 22, 2014, she was presented with an opportunity to accept the Haband VIP Plus membership offer. Haband VIP Plus is an optional service that is offered through Haband. This program offers a special introductory price of $for the first days, and if the customer does not call to cancel the membership within the first days, the membership fee of $is automatically billed to the Haband account each month. Cancellation may be made at any time with no further obligation On December 29, 2014, the Haband VIP Plus membership was cancelled. On August 20, 2015, Haband issued a credit of $to the account for the order which was not received, and on August 21, 2015, Haband issued credits totaling $for the Haband VIP Plus membership charges that were assessed to the account. In the interest of customer service, the Bank has issued additional credits totaling $to remove the previously assessed late fees and finance charges. The account balance, as of today’s date, is zero, and we have closed the account, at your request Additionally, a review of the telephone calls with the Bank indicates that your mother may not have been aware that an account was opened; as such, Comenity Capital Bank has sent a request to the credit bureaus to delete the Haband account from your mother’s credit bureau report. Please allow up to days for this information to be updated in their records. In addition, we have updated the telephone numbers, ending in *** *** *** *** ***, so that your mother no longer receives telephone calls, regarding the Haband account, from the Bank. All calls should have ceased by this time Customers can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####. You may also contact the credit-reporting agencies directly by using the following information: Should customers later decide to receive “prescreened” offers, customers may remove the prohibition on use of their credit report information by notifying the above agencies. We hope you find this information helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Laura R*** *** *** ***

Please reopen this complaint immediately as it is NOT resolved. I want a link to be able to add information for the company to see sent to me. The issue remains unresolved. I want the company to issue me a check for the merchandise value, or have the vendor send the items returned back to me. I also want contacted by the company and a copy of the last days internal call customer service notes reviewed, then sent to me. Please reopen and forward this to the company for an immediate response. Please respond back to this email with the above once done.Thank you, *** ***

Dear *** ***We have received the complaint regarding the above-referenced accountComenity Capital Bank issuesDentalFirst Financing credit accounts, and we are here to help answer account-related questionsYourcomplaint addressed to the Revdex.com, was forwarded to my attention,
and I appreciate theopportunity to respond to your concerns.In reviewing the complaint, the Bank understands that your daughter visited Aspen Dental because she neededdental work doneYou further state that you were told that the cost of all procedures and visits would be$10,Furthermore, you state that your daughter was complaining of pain in her gums and you haveattempted to resolve this with Aspen Dental and was not successfulTherefore, your daughter visited adifferent provider to have work doneYou further state you have received phone calls regarding the balance onyour account and are requesting that these calls stopWe apologize for any frustration or inconvenience thissituation may have caused you.Comenity Capital Bank has updated the status of the account to ensure that you are no longer called on thetelephone number ending in ######### and #####However, you remain responsible for the balance onthe above-referenced accountPlease keep in mind that the Bank may contact you by mail or service of courtfiling.Our records indicate that the DentalFirst Financing account was opened on March 23, 2015, in the name of* ***On March 23, 2015, a purchase of $10,posted to the accountThis purchase wasplaced on a 60-month low APR (14.99%), equal payment required plan, set to expire March 26, 2020.Purchases on this plan will have a lower APR (Annual Percentage Rate) than the regular revolving APR andwill have a minimum payment of the same amount each month.Please be advised that Comenity Capital Bank and Aspen Dental are separate entitiesThe Bank isresponsible for addressing questions related to the DentalFirst Financing credit account, while Aspen Dental isresponsible for addressing concerns regarding treatments, charges, and refunds.Please be advised that we have reached out to Aspen Dental regarding your claims and have been advisedthat your concerns have been addressed and that several options have been provided regarding the charge.The Bank has no control over the quality of treatments receivedAs such, we ask that you reach out to AspenDental directly regarding any issues with the treatments received.Please be advised that the charge is considered to be valid and a refund is not dueI have enclosed a copy ofthe agreement for your review.The balance on your account is $9,In addition, on May 6, 2016, your DentalFirst Financing creditaccount was permanently closed, and reported to the national credit-reporting agencies as an unpaid debt dueto non-payment.We hope the information provided is helpfulShould you have any additional questions or concerns regardingthis letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happyto assist you.Sincerely,Jenny W***

I was not satisfied with the resolutionWhen I meant to reply, something personal came up.There was never any transaction, and the response from the bank still implied that therewas one Emphasizing, there was transaction from me to them.They did give me my money back on a faulty item In their response,they tried to say they had nothing to do with it, and that it was on Zales..but the name of their bank was all over the bill, and who I was being asked to send money to came from that bank Nothing has been answered or resolved until they admit a mistake, and that there was never a transaction, only a refund

Dear *** ***We received your additional complaint regarding the above-referenced accountComenityCapital Bank previously issued American Laser Skincare credit accounts, and we are here tohelp with account-related questionsYour complaint, addressed to the Revdex.com,was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on October 19, and November 17, In the previous response datedOctober 19, 2015, you were advised that a credit was issued for the unused treatmentsWehave enclosed a copies of our previous responses for your records.As of the date of this letter, the account balance is $1,We consider this remainingbalance to be valid.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***

Dear *** ***Comenity Capital Bank has received your correspondence regarding the above-referenced credit applicationComenity Bank issues the Boscov’s credit cardsWe are here to answer your questions and assist with your concerns. We understand your concerns
expressed in the complaint regarding the account closure request and the late fees which were assessed to your accountWe also understand that you did not get a plastic card for your account. I have thoroughly reviewed your account and I am happy to share my findings. Please be advised that when payment is not received, received after the due date, or received for less than the required minimum payment, the account may be assessed a late fee per the Bank’s Credit Card Agreement. Bank records indicate that you opened the Boscov’s credit card account on April 2, A purchase of $was charged on this dayThis purchase included a first time purchase discount of $On April 3, 2016, you made a return and received credit of $This left a remaining balance total of $19.39. A billing statement was issued to you on April 8, 2016, reflecting a balance of $19.39, and a minimum payment of $due on May 4, As payment was not received, the account was assessed a late fee and finance charge. A billing statement was issued to you on May 9, 2016, reflecting a balance of $39.78, and a minimum payment of $due on June 4, A payment for $was received on June 3, 2016, and did not pay the balance in fullAs such, the account was assessed a finance charge. A billing statement was issued to you on June 8, 2016, reflecting a balance of $20.78, and a minimum payment of $due on July 4, As payment was not received, the account was assessed a late fee and finance charge. A billing statement was issued on July 9, 2016, reflecting a balance of $42.56, and a minimum payment of $due on August 4, 2016. On July 18, 2016, during a store visit, your transaction was declinedAfter review of the telephone call, we found that you were advised that the payment was not made for the July 4, You were concerned about the fees that had been assessed to your account, as you had not received a credit card, and you had made an attempt to pay in the store in June but the store register would not take the paymentThe associate agreed to remove part of the late fee, totaling $10.39, and you made payment of $25.78; leaving a balance of $The associate also issued you a replacement card but did not close the account as this was not requested from you during the call. As a balance was left unpaid, the account continued to accrue monthly late fees and finance chargesAlthough no Bank errors were found, as a courtesy, we have removed the remaining late fees and finance charges totaling $Additionally, we removed the delinquencies from the account, which will update with the credit bureaus within days. As requested with your complaint, we closed the Boscov’s account. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, *** ***

Comenity Capital Bank received the complaint for ***. In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 07/10/Please let me know if this extension date is not approved

Dear *** ***We have received your correspondence sent to the Revdex.com. Comenity Capital Bank issues the Overstock.comcredit card, and we are here to help answer your questions. I appreciate the opportunity to assist youwith your concerns. We understand from your additional complaintthat you have mailed documents to the Bank. We are also in receipt of your correspondencepreviously submitted to the Bank regarding this same matter. Please find enclosed copies of our responsessent to you on August 11and August 25, 2015I hope you have found this information to behelpful. Should you have any additional questionsor concerns, please feel free to contact our Account Protection Team at ###-###-####(TDD/TTY *** They will behappy to assist you. Sincerely,KaiM*** *** ***

Dear Sir:I sent you the form from my bank you asked for I guess I will have to get on Face Book and let people know what kind of company & bank you are. Ill be sure and tell everyone not to order from Haband or do business with comenity bank

Comenity bank is refusing to help

As they admitted in their letter, their customer care team told me not to make the first payment and then I could have the payments lowered, that was a lie, so I sent in the $on July 6th for the June payment that THEY told me not to make. That resulted in a $late fee. Then a payment of $was sent on July 19th. This whole thing is over a lousy $and these is show this on my credit report. They were so rude and so ready to have people fail that they just jumped on messing up my credit for $5.00. Seriously!?! I have all my bills set up as auto pay through my bank so that no bill is ever paid late. This is insane!! These people should not be allowed in business as they are just in business to screw people over. Shame on you!!! I am so angry and I hope karma comes back and gets you big time. Seriously, I don't know what to say over $5.00!!!! This is not acceptable, I told my dentist about this situation and they are no longer offering Lending Tree as a way to pay for dental work as they agreed with me

Dear *** *** We received your complaint regarding the above-noted accountComenity Capital Bank issues Gardner-White Furniture credit card accounts, and we respond to all account-related inquiriesYour complaint, addressed to the Revdex.com, was forwarded to my
attention, and I appreciate the opportunity to address your concern. I understand your concern regarding the accrued interest charge of $1,that was assessed to your accountYou state that the purchase you made was to be placed on a month deferred interest, 1% payment required plan; however, it was placed on an month deferred interest, payment required plan. Therefore, you are requesting that the accrued interest be waived and for your purchase to be placed on the correct promotional planI apologize for any inconvenience this matter may have caused you. After reviewing your account, our records indicate that a purchase of $5,posted to your account on November 24, This charge was placed on an 18-month deferred interest, 1% payment required plan, scheduled to expire on May 28, For purchases on this plan, interest is accrued (calculated, but not added to the balance)If the balance is not paid in full by the plan end date, the accrued finance charges, which are calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the revolving balance. On May 15, 2015, a statement was issued to you showing a balance of $3,with a minimum payment of $due by June 10, On that statement, in the “Details of your Plan” section, you were advised that if the balance of $3,was not paid in full by May 28, 2015, the accrued interest would be assessed to your account. Please be advised that Gardner-White reached out to the Bank and advised us that the purchase made on November 23, 2013, was placed on the wrong promotional planAs such, a total credit of $1,950.46 has been issued to your account for the accrued finance charge that was previously assessed to your accountFurthermore, Comenity Capital Bank has moved the remaining balance of $2,from revolving to the 48-month deferred interest, 1% payment required plan, which is scheduled to expire on November 27, 2017. I hope that this information 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*** *** *** ***

Complaint: ***
I am rejecting this response because: Even though I understand your bank (Comenity) policy, but I also know there are exceptions to every rule and policies can be overridden.I stand by my original remarks; I will add I live on a fixed income and cannot pay the late charges; which occurred due to being three days late. I cannot help feel this insistence to pay the outrageous late fees over three days, leaves me speechless.I will never recommend the Blair Coto any of friends.I do not have any documents to submit, other then statements from Blair, most of my communication with the company and the bank was done by telephone.Regards,
*** ***