Comenity Capital Bank

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

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

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***

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*** *** ***

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 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, *** ***

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, *** ***

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 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 *** *** 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*** *** *** ***

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 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***

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***

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

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 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

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,
*** ***

They said they already responded and sent an attachment supposedly from 17Febyet there is and has been no prior reply, nor is there an attachment with any explanation, but a mere note stating they'd already contacted us. Regards, *** ***

February 22, 2017*** ***
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*** *** *** *** ** ***Dear *** ***:Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Ultamate Rewards MasterCard credit cardWe are here to answer your questions and assist with your concerns.The Bank received your additional complaint stating that you did not request to have the account or inquiry removed from your credit bureau report; however, you were requesting that the account be reopenedFurthermore, you state that although the Bank mailed the letter explaining that the account was closed on January 27, 2017, you did not receive the letter until February 4, I understand your concerns and apologize for any frustration this matter may have caused you.Our records indicate that the Bank previously responded to your concerns on February 15, As previously mentioned, the Bank sent a letter on January 27, 2017, advising the account had been closed as a result of the number of recent inquiries on your credit reportA copy of this correspondence is enclosed with this letterPlease note the Credit Card Agreement (CCA) gives us the right to investigate customer credit records and to close an account at any time, for any reason.Furthermore, please be advised that it can take 7-business days for a letter to be received after the Bank mails it out.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,*** *** * *** ***
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Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the HSN credit cardWe are here toanswer your questions and assist with your concerns.The Bank has received your correspondence from the Revdex.com (Revdex.com).You
state in January you were contacted by the Bank in attempts to collect on the pastdue balance on your HSN accountAt that time you were offered enrollment into theReage Program which, after three consecutive payments, would bring your accountcurrent and the telephone calls would stopYou agreed to the terms of the program, butin February you received another call from the BankWhen you attempted to explain theprogram you were enrolled in, you were advised that there was no such program.On another occasion you spoke to a representative that confirmed that you were enrolledin the program and apologized about the additional calls you receivedAfter contactingthe Bank in March, you were informed that you needed to make an additional payment,outside of the three consecutive payments, to bring your account currentYou made thepayment and requested an address to file a complaint.You are requesting to have your account brought current and the delinquencies removedfrom your credit report.We apologize about the miscommunication, and additional calls you received while beingenrolled in the Reage Program.After a review of your account, you were enrolled in the Bank’s Reage Program onJanuary 13, You were to pay three consecutive payments of $startingJanuary 15, As the initial enrollment and payment were made after the due date,which is the 2nd of each month, you should have been advised that to qualify for the program, your agreed upon payments needed to be made in three consecutive billingcycles by the due date on the account.When enrolled in the Reage Program the account becomes current after the last paymentis posted successfully to the accountAs the account is not brought current until after thelast payment, the account will continue to be reported as past dueWe sent a request tothe credit reporting agencies to update the reporting of the account.As of March 31, 2017, the account has been brought currentAs of the date of this letter,the balance on the account is $1,with the minimum payment of $due byMay 2, 2017. hope you have found this information to be helpfulIf you have any questions orconcerns, please feel free to contact me at ###-###-####