Comenity Capital Bank

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because: I will dispute these with *** *** *** *** as fraud I did not open these I got all these letters and sent them in I think I know who did this I will get a police report and file FRAUD
Regards,
*** ***

Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues My Place Rewards credit cards. We are here to answer your questions and assist with your concerns We
understand from your complaint that you made a payment using your savings account; however, when the Bank processed your payment, your checking account was usedTherefore, the payment was returned and you were assessed a returned payment fee of $You contacted the Bank to request that the returned payment fee be credited, and you sent in proof that the payment was attempted to be taken out of your checking accountYou then received a letter that an unedited copy of your bank statement was needed in order to investigate the returned paymentYou are requesting to have the $fee taken off of your accountWe apologize for any inconvenience this matter may have caused you Please be advised that the Bank will submit a payment for processing using the account number provided when the payment is submitted onlineThe Bank does not have the ability to change the account informationYour payment of $110.00, scheduled on January 29, 2017, was processed using the account number provided, and was returned due to non-sufficient funds; therefore, a returned payment fee of $was applied to your account Please be advised that anytime a returned payment fee is being disputed, the Bank would require an unedited copy of your bank statement to completely investigate the matter As a courtesy, the returned payment fee of $has been reversed and will appear as a credit on your next billing statement I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***

You did receive my response from the Consumer Financial Protection Bureau regarding this same matter but this complaint was formed after I had another call with your bank supervisors so I suggest you listen to those calls as wellI was escalated to a supervisor and I was escalated again to another higher supervisor regarding my issue after my rejection letter was received by the CFPBYou say the letter you sent on January 30, was not sent in error and apologized and said that the supervisor was in error but I suggest you listen to that very beginning phone call again because the supervisor said that it regards to the letter being sent out in error there was not credit checked or pulled because the letter was sent out in error. After I finally received my letter I called your bank againThis is the instance I am talking about above when I was escalated to a supervisor and then escalated to another higher supervisorI spoke to him about this issue and he told me that he did not even show any record of the bank sending out the letter regarding the lower intro rate APRWhen an application is processed like you said and the Bank determines which APR the applicant qualifies for, you already did that in the store when I applied for the credit card in the first placeI have had other credit cards where I am at their highest interest rate and never have a received a letter pertaining to thisWhen talking to the supervisor after I had received your letter, all he kept telling me was that only a credit bureau could go through the steps with me for why account had been closedI called the credit bureau and they told me that they have no part whatsoever in the decision making for why the credit card was closed, only the bank would be able to tell me the specifics and that if the reason my account was closed due to the number of inquiries then that your bank should have denied me in the store rather than check my credit, give me a high APR, give me access to a credit line and then close my account weeks later for multiple inquiries which should have been part of my credit check in the storeThe bank is at fault for this if they opened my account in store and these are the reasons provided for an account closureYou also gave me multiple reasons from another credit bureau for what may have reflected on my "credit worthiness" and they are the same exact reasons from what you reported on the lower intro APR letter first sent to me on January 30, The credit bureau told me only the banks would have the specifics and tell me the exact criteria but even one of the higher levels I spoke to could not even tell me exactly what reasons why except for the number of inquiries stated on my account.The bank respectfully declined to re-open my account and I am once again respectfully asking that the bank does either one of two thingsEither again re-open my account or, report to all crediting agencies that there was not closure of a credit line that will stay on my account for years and rather as a hard inquiryI find it very interesting that most of your supervisors tell me that if I want a new account I will have to re-apply for oneWhy tell a consumer to re-apply to open a new account when I am already complaining about an account closure? I ask that the bank work with me on either of my requests or I will continue to pursue this matter and have saved all documentation and since the bank has stated in the letter there is a way to listen to previous phone calls, if the bank chooses to decline again to work with me I will take legal action and have my lawyer request those phone calls as wellSome financial advisers I have talked to say I have a very confusing case and may have leeway in court but I would like to avoid that hard process and continue to work solely with the bank

Good evening, I recently sent a complaint regarding Comenity Bank/Paypal stating that I received some letters stating someone had items in my maiden name and used my addressInitially, I received several letters regarding the attempt and decline but eventually received a billI contacted this bank to resolve and they stated because they did my social security they could not help meI received a letter in response to this complaint and it only acknowledged the attempts and provided no explanation as to why this is happening and no phone # to contact the author of the letter Christina W***I would like an explanation as to what is going on as well as make it clear that I also received a billThis response from Comenity bank provides no explanation or acknowledgment and is furthermore unacceptableI have a police report and have contacted all credit bureaus.thank you in advance,*** ***###-###-####

Dear Ms***We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above referenced credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate theopportunity to
respond to your concerns.We understand from your complaint that you ordered items in the amount of $Theseitems were to be deferred until November of on your Roaman's credit card account.You then ordered a few blouses, bras, a pair of leggings, and bootsYou state you have paidover $200.00, but you still owe on your account, and fees are being added to the balance.Bank records indicate a Roaman's billing statement was sent to you on August 8, Thisbilling statement included your first purchaseThe first purchase placed on July 29, 2014, wasmade for a total of $174.72, and the order consisted of a soft gray bra, bright assorted brief,pastel assorted brief, mauve mist big shirt, burgundy leggings, deep amethyst big shirt, andsmoky jade big shirt, and this order was charged to the account on July 31, Thisstatement had a balance of $with a minimum payment of $due by September 3,2014.On August 15, 2014, Roaman's received your request to place your order from July 29, 2014,on deferred billingItems purchased on a deferred billing plan are not added to your credit cardaccount balance until the promotional time period is completeWhen the deferred period isover, the purchase will appear on your statement and will be added to your credit card accountbalanceSince this request for deferred billing was after the order was placed, Roaman'scredited your account $174.72, on August 15, 2014.After this credit posted to your account, you had a zero balance for your billing cycle ending onSeptember 7, 2014.A billing statement was sent to you on October 8, This billing statement included yoursecond purchaseThe second purchase placed on September 9, 2014, posted to your accounton September 10, and was made for a total of $The order consisted of aparadise blue big shirt, classic red big shirt, red two piece set, brown sugar big shirt(backordered until September 17, 2014), and denim blue braThis statement had a balance of$with a minimum payment of $due by November 3, 2014.A billing statement was sent to you on November 7, This billing statement reflected apayment of $This statement had a balance of $and a minimum payment of $20.00due by December 3, 2014.A billing statement was sent to you on December 8, This billing statement included thecharge for your deferred purchase in the amount of $174.72, which posted to your account onNovember 13, This statement also reflected your payment of $This statement hada balance of $and a minimum payment of $due by January 3, 2015.On December 5, 2014, the Bank received your dispute for the charge of $While weinvestigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statementas a "provisional credit" and a "finance charge credit"We were able to determine that thepurchase was processed on deferred billingWe sent a letter to your address on January 5,2015, stating that this purchase is valid, and the credits would be reversedA copy of this letteris included for your records.As of the date of this letter, you have a balance of $on your Roarnan's accountI haveenclosed copies of the billing statements which show the account activity that comprised theaccount balance.We spoke to Woman Within, on your behalf, and they advised us that on April 22, 2014, youprovided the last four digits of your social security number, and date of birth, to accept a WomanWithin credit card offer.A Woman Within billing statement was sent to you on February 5, This billing statementincluded a Roaman's purchaseThe Roaman's purchase placed on October 31, 2014,consisted of a grey mid-calf(back ordered until December 1, 2014), white floral bra, silver twopiece bag and scarf set, black white zebra capri, classic red dogs capri, zebra slippers, classicred slippers, strawberry leggings, classic red tee, rose dust tee, and heather charcoal leggings.This order was also processed on deferred billingSince the grey mid-calf was on back order, itdid not bill to your account until your next statementThe February statement had abalance of $and a minimum payment of $due by March 3, 2015.A billing statement was sent to you on March 8, Since we did not receive a payment byMarch 3, 2015, a late fee and interest charge were assessed to the accountYou also receiveda charge for the grey mid-calf for $This statement had a balance of $with aminimum payment of $due by April 3, 2015.On March 6, 2015, the Bank received your dispute letter, dated February 18, 2015, which statesyou did not order from your Woman Within accountWhile we investigated this matter, weissued your account a temporary credit for the disputed amount and, if applicable, any relatedfinance chargesThese credits appeared on your billing statement as a "provisional credit" anda "finance charge credit"We were able to determine that the purchase was ordered throughRoaman's and processed on deferred billing.Roaman's records indicate when you placed the order, you requested to have the chargeapplied to your Woman Within accountPlease also understand that BrylaneHome, JessicaLondon, KingSize, Roaman's, Full Beauty (previously OneStopPlus.corn), and WomanWithin allow cross shoppingThis means that items ordered from one retailer may be chargedto any of the listed credit cardsFor instance, a Woman Within catalog purchase may becharged to the Roaman's credit card account and vice versa.We sent a letter to your address on April 16, 2015, stating that this purchase is valid, and thecredits would be reversedA copy of this letter is included for your records.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement.As of the date of this letter you have a balance of $on your Woman Within accountIhave enclosed copies of the billing statements which show the account activity that comprisedthe account balance and delinquencies which are reporting to the credit bureaus.If you have further questions regarding the orders billed to your accounts, please contactRoaman's at ###-###-####.You are a valued customer and we apologize for any confusion or frustration this matter hascaused youShould you have any further questions regarding your accounts, please contactme at ###-###-####, ext*** (TDD/TTY ###-###-####)It is often easier to resolve amatter, if we can discuss itPlease contact me if you feel this matter has not been properlyresolvedI will be happy to assist you.Sincerely,Amanda R*** *** ***

Dear Ms*** Thank you for contacting Comenity Capital Bank. As the bank that issues HSN credit card accounts, 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 youWe understand from the complaint that a hold was placed on your HSN credit card account, as a result of changing your mailing address. You state that in July you spoke with several representatives regarding the hold; however, you are still unable to make any purchases using the above-noted account. You are requesting the Bank remove the hold from your HSN credit card account. We understand your concerns, and we sincerely apologize for any frustration you may have experiencedPlease note that Comenity Capital Bank actively monitors a customer’s account for potential security concerns. If a security concern is identified by either the Bank or by HSN, a temporary hold will be added to an account until further verification can be obtained from the primary accountholder After a thorough investigation, our records indicate that a catalog representative at HSN contacted our Account Protection (Fraud) team on September 26, 2015, regarding potential security concerns. At that time, the Bank representative provided inaccurate information regarding verification of your mailing address which resulted in a temporary hold being placed on your credit card account and your customer profile at HSN. Bank records further indicate that you spoke with an Account Protection representative on September 26, 2015, and verified your identity as the primary accountholder and your mailing address. As such, the temporary hold was removed from the credit card account. Please note we contacted HSN, on your behalf, regarding the hold that was placed on your customer profile. As of today’s date, HSN confirmed that all restrictions have been removed from your customer profileOn behalf of the Bank, I would like to extend a sincere apology for the manner in which this matter was handled It is never the Bank’s intention to inconvenience a customer. Please be assured, all applicable telephone conversations outlined in your complaint have been reviewed and forwarded to our management team. Their recommendations regarding an appropriate resolution will be followed. As of the date of this letter, the credit limit on your HSN credit card account is $1,We value you as a customer, and we hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Lauren S*** *** *** ***

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

Dear *** ***We received 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 understand from the complaint that you are disputing the balance on your account.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on January 17, 2015, and October 13, 2015, advising you that additionalinformation was needed in order to process your disputeTo better assist you, please providethe following information:? The dates the packages were purchased.? The amount of the charge.? How many treatments you were contracted to receive for each charge?? How many treatments you did not receive for each charge?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 Mr***We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a
payment option made available bymany merchants to their customers.Your complaint states you placed an order with Jack Spade using PayPal Credit as themethod of payment, but you never received the productYou called the merchantregarding this matter, but were not able to speak to a representativeYou then disputedthis purchase with PayPal, who received tracking information from the merchant for thepurchaseAlthough the product may have been delivered to your building, you stateyou never received itYou believe you are being charged interest for a purchase youdid not receive, and you would like the purchase removed from your account.PayPal Credit's records show you made a purchase of $on January 7, 2015,with PayPal merchant JACKSPADELL, and selected PayPal Credit as the paymentmethodThis purchase qualified for "No Payments + No Interest if paid in full in 6months" promotional financing until July 15, 2015.On March 3, 2015, you called PayPal Credit stating you had not received themerchandise from your above-noted purchaseYou requested PayPal Credit disputethis purchase on your behalf and you were provided with information regarding PayPalCredit's dispute processIn a letter dated March 10, 2015, you were informed byPayPal Credit that they were "in the process of investigating your dispute."In a letter dated March 23, 2015, you were informed PayPal Credit's investigation wascompletePayPal Credit determined the $charge with JACKSPADELL was validbecause the merchant provided valid proof of delivery via UPS tracking number***This tracking information shows your purchase was deliveredat 6:PM on Friday, January gth, 2015, to your *** *** ** address and signed by***." The letter also stated the following: "PayPal Credit is unable to issue arefund since the seller has provided valid proof of delivery." Please note this letterimproperly listed USPS as the shipper.PayPal Credit is unable to honor your request to refund your account for the $122.37JACKSPADELL purchase, because the merchant provided sufficient evidence showingthe item was deliveredPlease note, the promotional financing for this purchase expireson July 15, 5, and will result in the assessment of the accrued deferred interest feesif not paid in full by that dateFor additional assistance regarding this matter, pleasecontact either the merchant or the shipping company, UPS, to discuss a possibleresolution.As of the date of this letter, your account reflects a balance of $1,752.71, with aminimum payment requirement of $due by July 15, 2015; however, if you wouldlike to avoid interest being assessed to your account, the full account balance is due byJuly 15, 2015.We hope this letter explains and resolves this matter.Sincerely,*** *** *Compliance Dept- Consumer Responses

Upon responding to *** *** of Central Ohio Revdex.com, it was realized what was sent to you wasnot completeTherefore, the AFFIDAVIT OF FRAUD form in its entirety is enclosed(Originally sentpages were only 1-listing items; however, missed lost page regarding police report is attached),Per Paypal's Affidavit of Fraud Form, *** (*** Police Dept.] was called and said we should reportthis to the Attorney General, as *** does not handle "cyber cases'', saying this was considered such.Copies of returns with shipping/tracking info are attachedAs well, for your convenience thefollowing is the tracking Info from the USPS receipts on the returns:/12/- USPS TRACKING # ***5/16/- USPS LABEL # ***5/23/- USPS LABEL # ***6/06/- USPS LABEL # ***6/15/- USPS LABEL # ***6/23/- USPS LABEL # ***I must say it is unsettling that companies can do whatever they want with the credit bureaus onconsumers' files without authorization.Sincerely,*** ** ***

Dear *** ** ***We have received the complaint that you sent to the Revdex.com, regarding theabove-referenced accountComenity Capital Bank issues Lending Club Patient Solutions creditaccounts, and we are here to help with your account-related questionsYour complaint wasforwarded 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 November 19, In that response, you were advised to contact theprovider directlyWe have enclosed a copy of our previous response for your records.As of the date of this letter, the account balance is $3,758.64.I hope that the information I provided is helpfulShould you have any additional questions orconcerns regarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***

Dear *** *** We received your additional complaint regarding the above-referenced accountComenity Capital Bank issues DentalFirst Financing credit accounts, and we are here to help 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 responded to this complaint on November 17, In that response, you were advised to contact the provider directlyWe have enclosed a copy of our previous response for your records. As of the date of this letter, the account balance is $3,512.38. We apologize for any inconvenience this matter may have caused youShould you have any additional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W***

Dear Ms***We recently received a 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 inquiriesI appreciate the opportunity to assist you.We understand from
your complaint that you purchased a gym chair in the amount of $from HSN, which you believe was paid in full in July However, you have received several telephone calls from Comenity Capital Bank claiming that you owe a balance of $You are requesting the Bank look into this matterWe understand your concerns, and we sincerely apologize for any confusion this matter may have caused.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.After a thorough investigation, our records indicate that you were selected for a pre-approved credit account offer based upon the information listed in your credit file which satisfied the Bank’s criteria for creditworthinessWhile placing an order with an HSN catalog sales representative on January 27, 2015, you accepted the prescreen offer and were approved for an HSN credit card accountUse of the account, or failure 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 finance charges and fees.On January 29, 2015, Flex Payment of 6, in the amount of $29.28, was applied to the HSN account for the Chair Gym Exercise System w/Twister Seat, Mat & DVDs, item On February 5, 2015, a statement was issued indicating a balance of $with a minimum payment of $due by March 3, As no payment was received by the due date, a late fee and finance charge were assessed to the account, pursuant of the terms outlined in the CCA.On February 28, 2015, Flex Payment of 6, in the amount of $20.82, was applied to the HSN accountOn March 8, 2015, a statement was issued indicating a balance of $with a minimum payment of $30.00, due by April 3, As no payment was received by the due date, an additional late fee and finance charge were assessed to the account.Monthly billing statements continued to be issued and as no payments were received, the HSN account wrote-off on September 7, 2015, with an unpaid balance of $268.55.Please understand, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact you regarding the status of the accountDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successfulAdditionally, when an account falls delinquent, a restrictive status is applied to an account, resulting in any pending transactions and/or Flex Payments being declined.On your behalf, we contacted HSN, and their records confirm that you elected to have the Chair Gym Exercise System w/Twister Seat, Mat & DVDs broken up into Flex Pay paymentsHowever, due to the restrictive status that was placed on your HSN credit account, HSN was unable to bill the credit card account for Flex Pay payments through Their records further confirm that a payment was received by their office to settle Flex Pay payments through 6.Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $for the previously assessed feesThis adjustment will leave your account with a balance of $50.10, which is comprised of Flex Pay payments of and of Please remit a payment in the amount of $to the following address:Comenity Capital BankPO Box 659707San Antonio, TX 78265Enclosed for your review, please find copies of the monthly billing statements.If you are interested in no longer receiving prescreened offers of credit from this and other companies, please call toll-free ###-###-####You may also submit the request in writing to one of the following addresses:***Should you later decide that you would like to receive preapproved offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.We hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Lauren S***

Dear *** ***We received the inquiry you sent to the Revdex.com regarding the above-noted accountYour correspondence was forwarded to Comenity Capital Bank (Bank)The PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, IncPayPal Credit is a
payment option made available by many merchants to their customers.We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matterPlease find enclosed a copy of our response sent to you on January 15, 2016.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### (TDD/TTY Comenity Capital Bank: ###-###-####).Sincerely,Patricia L***

Dear Ms***We received your complaint addressed to the Revdex.comregarding the accounts referencedabove Comenity credit card accounts, aid we are here to assist you with all account-related questions or concernsI appreciate the opportunity to respond to your concerns.We
understand from your complaint that you are receiving telephone calls from Comenity BankYou haveadvised that you do not have an account with the Bank, and you no longer want to be called by the Bank,however, you are still receiving telephone calls from the BankYou would like these telephone calls to cease.Per your request, a "cease and desist" status has been placed on the above referenced accountsThis ceaseand desist request will stop all future collection calls, but it will also suspend authorizations for new purchaseson all of your accounts since we will be unable to contact youYou will continue to receive certain legalcommunications as permitted by lawYour request to cease and desist contact on your accounts may bechanged at any time by contacting us again in writing at the below address:Comenitv BankP.OBoxi82273Columbus, OH 43218-When our records show an account as delinquent, we will make attempts to contact the customer regarding thestatus of the accountMany times payments are overlooked by the customer, and a reminder call is helpful tobring the account back to a current statusDue to potential negative ramifications for our customers if anaccount remains delinquent, we may call until our attempt to communicate is successfulThese attempts maybe made for each account that is delinquent.Please find a summary of the above-referenced accounts that were opened in the name of *** ***The Roaman's@ account was opened on December The last purchase of $was made onJanuary 14, 2016, and no payment has been made to thl$ accountAs of the date of this letter, the accountbalance is $with a minimum payment of $due by March The account is one bllllngperlod past due.The Bedford Fair Apparei account was opened on December 4,The last purchase of $was madeon December 11, 2015, and no payment has been made to this accountAs of the date of this letter, theacwunt balance is $with a minimum payment of $due by March 2, The account IS onebilling period past due.The BrylaneHome@ account was opened on November The last purchase of $was made onDecember 2015, and no payment has been made to this accountAs of the date of this letter, the accountbalance is $with a minimum payment of $due by March The account is two billingperlods past due.The chadwicks" account was opened on December The last purchase of $was made onJanuary 2016, and no payment has been made to this accountAs of the date of this letter, the accountbalance is $with a minimum payment of $due by March 2, The account is two billingperiods past due.The Eddie Bauem account was opened on December The last purchase of $was made onDecember and no payment has been made to this accountAs of the date of this letterthe accountbalance is $with a minimum payment of due by March 2, The account is one billingperiod past due.The Full Beauty account was opened on November 26, The last purchase of $was made onDecember 9, 2015, and no payment has been made to this accountAs of the date of this letter, the accountbalance is $1,with a minimum payment of $due by March The account is two billingperiods past due.The Gander Mountain Mastercard account was opened on December The last purchase of $360.00was made on December and no payment has been made to this accountAs of the date of thisletter, the account balance is $1,with a minimum payment of $due by March 2, Theaccount is two billing periods past due.The Jessica London@ account was opened on November 25,The last purchase of $was made onDecember 2015, and no payment has been made to this accountAs of the date of this lener, the accountbalance is $with a minimum payment of $due by March 2, The account is two billingperiods past dueThe KingSizeE acwvnt was opened on December The last purchase of $was made onFebruary 2016, and no payment has been made to this accountAs of the date of this letter, the accountbalance is $with a minimum payment of $due by March 2, The account is one billingperiod past due.The rnaurices account ending in was opened on December 5, The last purchase of $wasmade on December 6, 2015, and no payment has been made to this acwuntAs of the date of this letter, theaccount balance is $with a minimum payment of $due by March 7, The account is twobilling periods past due.The maurices account ending in was opened on September No purchases or payments havebeen made on this account.The Old Pueblo Traders account was opened on December 1,The last purchase of $was madeon February 2016, and no payment has been made to this amountAs of the date of this lettertheaccount balance is $with a minimum payment of $due by March The account is twobilling periods past due.The Woman Within@ account was opened on December 4, The last purchase of $was made onFebruary 3, 2016, and no payment has been made to this accountAs of the date of this letter, the accountbalance is $with a minimum payment of $due by March The account is two billingperiods past due.Should an account exceed six consecutive billing periods past due, the account will be permanently closed.written-off, and reported to the national credit-reporting agencies as an unpaid debtThis information couldremain on your credit report for up to seven years.This card is issued by Comenity Bank pursuant to a license by Mastercard lmernalional IncorporatedMastercard Is a registeredtrademark of Mastercard Internatsnal Incorporated.If you do not recognize these accounts, please contact our Account Protection (Fraud) team directly at ###-###-####I hope you find this information to be helpfulIf you have any further questions, please contact me at #######, e xt*** TDD/TTY ###-###-####)I will be happy to assist you.Sincerely

Dear *** ** ***: Thank you for contacting Comenity Capital Bank regarding the above-referenced account. As the bank that previously issued TigerDirect credit cards, we are here to help with 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. We understand from your complaint that you made a purchase in October in the amount of $1,and this purchase was placed on an month deferred interest, payment required promotional plan. You also state that you set up payments to automatically be debited from your personal bank account in the amount of $for months, with the last payment of $for total payments of $1,474.86. Additionally, you state that you called Comenity Capital Bank and were advised that the remaining account balance of $was for late fees and minimum charge fees You believe that after you advised the Bank representative that you should not pay this amount, your account was closed without your knowledge. You are requesting that, based on the account being closed, all remaining charges are removed. I am happy to share my findings with you. After a thorough review of the account, our records indicate that all payments were received via the Bank’s online Account Center. What this means is that the Bank does not set up the date that the payments are to be applied to the account The accountholder schedules the payment, including the date the payment is to be applied to the account. Please note that when the minimum payment is not received by the due date, or the payment is less than the minimum due, late fees and finance charges are assessed to the account. I would like to explain how your payments were disbursed. Please note, for purchases that are placed on promotional plans, the customer is required to make payments on each plan every month. If the balances are not paid in full by the promotional plan’s expiration date, then accrued finance charges, which were calculated from the date of the original purchase, are assessed to the revolving balance. This information is available in “The Details of your Plan” section of your monthly billing statement and in your Credit Card Agreement (CCA). I have enclosed a copy of the Credit Card Agreement and copies of the billing statements. When purchases are made and placed on a promotional plan, a minimum payment is required each month for that promotional plan. If there is more than one promotional plan, the statement that is issued will reflect a total minimum payment, which would include the required minimum payment for each plan. For example, if Plan A has a required payment of $10.00, Plan B has a required payment of $and Plan C has a required payment of $20.00, then the total minimum payment required for that billing period would be $and the payment that is sent in is distributed accordingly. Any amount over the required payments will be applied to the plan that is scheduled to end first unless the account has a revolving balance, at which time any amount over the required payments will be applied toward the revolving balance. Please note, during the last two billing periods of a promotional plan, any payment received that is more than the required payment, will be applied towards the promotional plan that is set to expire. As of the date of this letter, the balance on the account is $255.93. Please be advised we have removed the payment that was due by June 18, 2015. Your next due date will be July 18, 2015. As your account was issued credits totaling $from the Bank on April 17, 2015, please understand that we are unwilling to credit your account any additional late fees or finance charges at this time. Please be aware that the TigerDirect credit card program was terminated on May 6, 2015. Therefore, all accounts were closed. We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *** *** Consumer Relations Specialist

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

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 07/01/Please let me know if this extension date is not approved. Thank you,

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

Dear *** ***Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Frontgate credit cardWe are here to answer your questions and assist with your concerns.Your complaint states that the account was charged interest fees
of $72.00, and you were advised that the charges were a result of an expired promotional purchaseYou were advised that the plan information is listed on page three of the statement; however, as you opted out of paper statements, you asked how to find online and the associate did not knowYou feel this is an unethical and illegal practice of the Bank, and you want the Bank to refund you $You also suggested the Bank add a button on the payment page in Account Center that alerts customers of a promotional purchase ending within 30-days.Our records indicate on July 25, 2016, a purchase of $posted to your account and was placed on a 6-month deferred interest, payment required plan that expired on January 25, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their accountInterest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balancePlease be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”I have enclosed your billing statements for your reviewThe promotional plan details were also on the sales agreement, which is also enclosed.Please be advised that a statement was issued to you on January 9, 2017, showing a balance of $with a minimum payment of $due by February 4, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid in full by January 25, 2017, to avoid paying accrued interest.The Bank received a payment of $on February 3, 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 January 25, 2017, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges, on February 6, 2017.The Bank received final payment of $on March 2, 2017, and the balance as of today’s date is zero.We appreciate your feedback and suggestions with regard to how the Bank notifies customers of an upcoming expiring promotional planBeginning this month, March 2017, the Bank has implemented improvements with regard to statement messages and promotional plans.• Messages will now appear in red font on the billing statements with plans expiring in three months or less.• Messaging includes promo plan end date and balances• Annual Percentage Rate is provided for balances that move to a revolving plan after the promotional plan end date with the exception of deferred interest plans.This information can also be located on Account CenterTo locate, you will access and sign in to Account Center, click on Account Activity and download your statements.Comenity Capital Bank did not find any errors with the accountTherefore, we are unwilling to remove the finance charges, as they are valid.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***