Comenity Capital Bank

Dear *** *** We have received an additional complaint regarding the above-noted accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with all account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you stated that a payment was made on your account in September 2015; however, that payment never posted to your Lending Club Patient Solution accountYou are requesting that the payment be applied to your account and the fees that have been assessed be waivedWe understand your concerns and apologize for any inconvenience or frustration this matter has caused you. Please be advised that we received the documents you sent in from your bank; however, we were unable to locate the payment with the information providedTo better assist you, we would need a copy of the front and back of the cashed checkOnce this information is received, we can research this matter further. We hope the information provided is helpfulShould you have any additional questions or concerns regarding the Lending Club Patient Solutions credit account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W***

Dear Mr***We are in receipt of your complaint regarding the
above-referenced accountComenity Capital Bank issues Lenovo credit card
accounts and we respond to all 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, you purchased a laptop
computer from Lenovo, along with some other items for a total purchase of
$1,448.97. You applied and were approved
for a Lenovo credit card, which offered a month deferred interest
promotional planYou state that the promotional plan was to include the entire
purchase of $1,448.97; however, when you received your monthly billing
statement, the items were billed separately and the purchases of $and
$were not included in the promotional planAs a result, interest charges
have been assessed to the accountyou are requesting a credit for any finance
charges that were billed and to have the entire remaining balance placed on the
month deferred interest promotional planWe apologize for any inconvenience
or frustration this matter may have caused you.Please note, Bank records indicate that the situation
reference in your complaint was also sent directly to the Bank and has been
investigatedA response was previously issued on July 15, 2016, explaining our
findings and resolutionWe have enclosed a copy of our previous response for
your records.Please be advised that information regarding your
promotional balance will be provided on each billing statement under the
heading: Details of your plansPlease review this information as it will
provide valuable details regarding the promotional balance and the date in
which it must be paid in full, to avoid paying accrued interest charges.I hope you find this information helpfulShould you have
any further questions or concerns, please contact me at (#####, ext
*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Geanine M***

Dear Ms***:We received the complaint t 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 a PayPal Credit account was fraudulently opened in your nameand $1,in charges were made on the accountYou were not aware of thisfraudulent activity until you received a statement in the mail due to missed payments.You believe PayPal Credit opens accounts without properly verifying a customer'sidentity, and should improve the application process to determine which customers arelegitimately applying for an account.PayPal Credit's records reflect a PayPal Credit account was opened in your name onJanuary 20, 2015, through a PayPal account online applicationIn order for theapplication to process with PayPal Credit and for an account to have been opened inyour name, the individual provided your name, date of birth, last four digits of your socialsecurity number.On January 26, 2015, and January 29, 2015, two purchases posted to the account:$with , and $withOn January 29,2015, PayPal Credit's fraud prevention system detected suspicious activity inconnection with the account in your nameAs a precaution, the account was closedpending confirmation you authorized the accountAdditionally, the statement deliverymethod was changed from statement ready emails from PayPal Credit via the emailaddress on file for the account, to paper statements mailed to the billing address on filefor the accountHowever, the statements mailed to the address provided were returnedas undeliverable.On August 4, 2015, you called PayPal Credit and reported the account as fraudTheaccount was confirmed to have been created fraudulentlyIn letter dated August 10,2015, PayPal Credit informed you of the outcome of the investigation, along with anAffidavit of Fraud; please complete and return this affidavit at your earliest convenience.Please note you are not responsible for the account created in your name or the relatedcharges.Furthermore, PayPal Credit submitted a request to Equifax to have the credit inquiryremoved from your credit reportIn a letter dated August 18, 2015, PayPal Creditinformed you this request was being submittedPlease note it may take up to daysfor Equifax to process the removal request and for your credit report to reflect theupdate.If you feel that you are a victim of identity theft, there are some steps that we suggestyou consider taking:You have the right to place a fraud alert on your credit reportsA fraud alerttells creditors to contact you before they open any new accounts or change yourexisting accountsTo do this, you can contact any one of the consumer reportingcompanies mentioned belowIf you contact any one of them, the one youcontact is required to contact the other two to place an alert on their files as well.Experian (TRW) Equifax Options Transunion Corp.P.OBox P.OBox P.OBox 1000Allen, TX Atlanta, GA Chester, PA 19022800-1-800-685-I 800-6-8800www.experian.com www.equifax.com www.transunion.comldentity theft is a crimeYou can file a report with your local police or thepolice in the community where the crime took placeMany police departmentshave a special ldentity Theft Report, which is police report with more than theusual amount of detailIf the detailed ldentity Theft Report is available, werecommend that you obtain a copy in order to protect your rightsYou can go to the Federal Trade Commission website on identity theft atwww.ftc.gov/idtheftIt contains additional information and refers you toresources that could be helpful in dealing with your situation.Should you require additional information relating to the PayPal Credit accountapplication, you may submit a written request to the following address, along with acopy of your current government issued photo identification:PayPal CreditAttn: Customer Security OperationsP.OBox 5018Timonium, MD 21094In regard to your concern with PayPal Credit's processes for opening an account,please be assured PayPal Credit has proactive security measures in place to attempt toverify a customer's identity in addition to the submission of their name, date of birth, andlast four digits of their social security numberAlthough PayPal Credit cannotguarantee the prevention of all fraudulent activity, PayPal Credit works diligently todetect and stop fraudulent activity from occurringYour comments have beenforwarded to PayPal Credit's leadership team and will be considered as PayPal Creditmakes future enhancements and updates to their product.We hope this letter explains and resolves this matter.Sincerely,Laura C***

Dear Ms***We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountsComenity Bank issues VICTORIA’S SECRET, Buckle, and the LIMITED credit cardaccounts, and we are here to answer account-related questionsI appreciate the opportunity to
assistyou.Your complaint states that the three accounts were closed without your knowledge, and you have notreceived any help in resolving this matter when speaking to the BankYou are requesting the Bankto reinstate the accounts, as they are in excellent standing.Bank records indicate that you were advised the accounts were closed due to delinquencyThis iscorrect informationOn June 15, and 16, 2016, Comenity Bank closed the accounts because one ormore of your past accounts has been in extreme delinquency status with usYou were notified of theaccounts being closed on the June 2016, billing statements; which are enclosed for your records.These accounts cannot be reinstated; however, we welcome you to reapply for an account in thefuture.We apologize for the inconvenience this may have caused youIf you have any further questions orconcerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will behappy to assist you.Sincerely,Shawnda Y***

I simultaneously filed a complaint with the Consumer Financial Protection Bureau and I received a plethora of mail sent from Zales and Comenity BankAcross all the platforms, it was made clear, that my deferred interest expiration would change to reflect the new purchase dateEither I was lied to
or somehow this fell through the cracks, but when I called the Credit Department, they have absolutely no idea what I am talking aboutAs of right now I have two deferred interest expiration dates just for one purchaseAdditionally, let it be on the record that rather than admit a mistake, I received mail correspondence from your company that basically acknowledging all of the pending remedies but made innuendos that it was only being done in the interest of customer service and somehow I am at faultI can't believe this company refuses to take any responsibilityAt this point, you are not winning me back as a customer, I just want my deferred interest expiration fixed and I will move on to another jeweler for my future needsI have spoken with my lawyer and its very evident that Zales is violation of the Florida Deceptive and Unfair Trade Practices Act and I will be filing a complaint with the State
Regards, *** * ***

9-9-The dentist office I have been using for several years changed their usual policy of automatic deductions monthly from my checking accountI had to be issued a Smile Generation credit cardOn 9-20-I received my first bill showing a due date of 10-16- I contacted customer service and asked that they change the due date to the 25th of the month as I am on a fixed income and I wouldn't be able to meet that due date of the 16thI talked to a "Susie" and she advised me to pay the payment when I could but she could not change my due dateSusie said she would waive the late fee if I was chargedI said, I can't pay $late fee every month and then high interest on past due amounts (27%) when if paid in first year was supposed to be interest freeI asked that they work with me and change the due date but was refused to cooperateMy dentures are lousy returned to dentist several times still not right and they broke, a toothe fell off of the back of my top denturesI'm so aggravated of this whole ordeal and I will not continue business with not only Smile Generation but also Grove Dental.*** ***

Dear *** ***Thank you for your inquiry, addressed to the Revdex.com, regarding the above-notedaccountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and werespond to all account-related inquiriesYour concerns were forwarded to my attention, and
Iappreciate this opportunity to assist you.We understand your concerns regarding the interest charges that have been assessed to yourLending Club Patient Solutions credit accountWe also understand that you were never informedwhat would happen if the promotional plan was not paid in full by the end dateWe apologize forany frustration you may have experienced as a result of this situation.Bank records indicate that a purchase of $8,posted to your account on October 31, 2013,and was placed on plan 424-1: a 24-month deferred interest payment required plan, due to expire onNovember 2, 2015.Information about your promotional plan was provided to you on your monthly billing statements inthe "Details of your plans" sectionSpecifically, you were provided with the plan expiration date ofNovember 2, 2015, the original promotional plan purchase amount, the new plan balance, along withthe total accrued interest that would be assessed to the account if the promotional plan balance wasnot paid in full by the plan expiration date.On October 24, 2015, a billing statement was issued indicating an outstanding promotional planbalance of $In order to avoid the accrued interest charges, the Bank needed to receive apayment in this amount by November 2, Bank records indicate that a payment in the amountof $was received on November 13, 2015.As the promotional plan balance was not paid in full by the plan expiration date, accrued interesttotaling $2,was assessed to the account, and the remaining promotional plan balance of$was moved to the revolving balanceRevolving balances are subject to finance charges.For your review, we have enclosed a copy of the Credit Card Agreement (CCA)Please review"Section D" of the CCA, under finance charges, which outlines information relative to deferredinterest promotional plan purchases: *If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the promotional period, we'll add the remaining purchase amount and the amount of accrued Finance Charges to your Regular Revolving balance.As the Bank finds there to be no billing errors, your request for a refund of the interest charges thatwere applied to the above-noted account is regrettably deniedPlease be advised, the balance onyour account is $2,Thank you for your recent payment of $340.00, which was received onDecember 15, 2015.Lastly, our records indicate that the annual percentage rate on your Lending Club Patient Solutionscredit card for revolving balances is 22.98%If there is a revolving balance on your account at theend of each billing cycle, finance charges will be assessed monthly, pursuant to the terms of theCCA.I hope that this information is helpfulShould you have any other questions or concerns, please feelfree to contact me at ###-###-####, ext*** (TDD-TTY ###-###-####)I would be happyto assist you.Sincerely,Diamond L***

Dear *** ***We received your complaint, sent to the Revdex.comComenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help answer your questionsI appreciate the opportunity to assist you with your concerns.We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit account.We are also in receipt of your correspondence submitted previously regarding this same matterAfter reviewing your account, our records indicate that your American Laser Skincare account was opened on April 24, Please be advised that when we received your completed dispute form, you listed purchases that were made in As these purchases were made prior to your account being opened and not charged to your account, we are unable to assist you with those chargesThe Bank is only able to assist you with purchases that were charged to your American Laser Skincare accountTherefore, we issued a credit of $510.00, which posted to your account on June 16, 2015.I have enclosed a dispute form, should you wish to dispute another charge that posted to your account.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####, ext(***) (TDD/TTY (###-###-####)I will be happy to assist you.Sincerely,Jenny W*** *** ***

Comenity 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,

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues HSN credit cards. We are here to answer your questions and assist with your concerns We understand from your complaint that you opened the HSN account
in and charged $and paid the card balance; however, a year later you were unable to use the accountYou state that you then made small purchases using the Flex Pay option, and all payments were taken out of your bank accountYou state that you were advised that you do not owe anything and that the balance is all interestYou are requesting that the Bank not send any more notices and write off the accountWe apologize for the inconvenience this matter may have caused you Please note that Comenity Capital Bank and HSN are two separate entitiesThe Bank issues and is responsible for addressing questions related to the HSN credit card accountHSN is responsible for handling matters related to sales, merchandise processing, returns, shipping, and FlexPay payment plans HSN offers FlexPay payment plans, which allows you to get your purchase right away without having to pay the full amount upfront With FlexPay, billing is split into multiple, smaller payments, over two or more monthsComenity Capital Bank’s only involvement in FlexPay payment plans is to process the charges if the purchase was billed to the HSN credit card accountBank records indicate that your HSN account was used to process FlexPay payments Please be advised, your payments are due by the eighteenth of each monthIf a payment is received after the due date, or for less than the requested minimum amount due, a late fee and finance charge may be assessed to the account, pursuant of the terms and conditions of the Credit Card AgreementAlso, to avoid paying interest charges, the balance on your account must be paid in full by the payment due date As of the date of this letter, your HSN account is six billing periods past duePlease note, if the account is not brought current as of February 20, 2017, your HSN account will exceed six consecutive billing periods past due; therefore, the account will be permanently closed and written-off, due to non-payment, and reported to the national credit-reporting agencies as an unpaid debt Per your request, a "cease and desist" status was placed on your accountThis request will stop all future collection noticesCertain legal communications will continue to be sent as permitted by lawYour request to cease and desist may be changed at any time by contacting us again in writing at the below address: Comenity Capital Bank P.OBox Columbus, OH 43218- This letter is for informational purposes to respond to your inquiry and is not an attempt to collect on the balance I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,

Dear Ms*** Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, from the
corporate office of Haband, and I appreciate the opportunity to assist you You state in your complaint that you are being charged for something that you did not sign up for, and were not even aware of, until you received a call from the Bank informing you that the account was delinquent. You further state that you did not receive any statements, and when you requested the charges be removed, you were told that they could not be. We sincerely apologize for any frustration or inconvenience this matter may have caused you. We have enclosed copies of your monthly billing statements, for your review. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We have reviewed our records, and we are happy to share our findings. Our records indicate that the Haband account was opened on April 19, 2015, and on that same date a purchase of $was ordered online. Haband records indicate that when you placed the order of $23.99, you enrolled in the Haband VIP Plus program. 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 The Haband VIP Plus membership was cancelled on September 1, 2015, and credits totaling $were issued by Haband to remove three monthly membership charges, and the introductory charge that was applied to the account. The Bank has issued additional credits totaling $to remove the previously assessed late fees and finance charges. All credits have posted, and resulted in a credit balance of $on your account. Because your account has a credit balance, a refund check of $is being sent to you. Please allow business days to receive the refund check, by separate mailing. Please be assured, notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report. Please allow the credit-reporting agencies days to update this information in their records The account was closed, per your request, on September 2, 2015. We hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Laura Rhoades

Dear Ms***: Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions. Your complaint was forwarded to my attention, and I
appreciate the opportunity to assist you You state in your complaint that although you paid for your merchandise by check, you were called multiple times a day regarding the account. You further state that you were told to send the money after you received the merchandise, and that the merchandise took over three weeks to get to you. Even though you made a payment over the telephone and you were told that the payment would take care of the balance, you received additional phone calls, and a new statement. You are requesting for the late charges to be removed, the phone calls stopped, and no more statements to be sent. We sincerely apologize for any frustration or inconvenience this matter may have caused you. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns We have reviewed your account, and we are happy to share our findings. Please find enclosed copies of your monthly billing statements for your review. When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful Based upon your inquiry, the Bank reviewed the applicable phone conversations. When you spoke with a representative of the Bank on December 31, 2015, you made a payment over the phone for $38.94; however, as the checking account number provided to the representative was incomplete, the payment was returned from your bank, as “No bank account or Unable to Locate.” Because the payment was returned, a balance remained on the account In the interest of customer service, we have issued credits totaling $to remove the late fees and finance charges, which were previously assessed. However, when these credits were applied to your account, they inadvertently posted two times. A billing statement was issued reflecting a credit balance of $on February 15, 2016. To correct this mistake, we have debited $in late fees and finance charges to your account. We have also issued a separate adjustment of $15.47. All adjustments have posted to your account. Please be assured, the account balance as of today’s date is zero We hope you find this information helpful. If you have any further questions, please contact me at (800) 675-5685, ext*** (TDD/TTY (888) 819-1918). I will be happy to assist you Sincerely, Laura R*** Consumer Relations Specialist CC: Revdex.com

Dear Mr***:We received the complaint you sent to the Revdex.com regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThe PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, IncPayPal Credit is a payment option
made available by many merchants to their customers.Your complaint states a PayPal Credit account was opened fraudulently in your nameYou are requesting the account be closed and the credit inquiry be removed your credit report.PayPal Credit's records reflect a PayPal Credit account was opened in your name on March 1, On March 2, 2016, PayPal Credit placed a security hold on the account due to suspicious activity and sent you a letter dated March 3, 2016, requesting you contact us regarding the account.On March 14, 2016, you called PayPal Credit and reported the account as fraudulentPayPal Credit confirmed fraudulent activity and the account was closedAn Affidavit of Fraud was sent to you on March 18, 2016; please complete and return this Affidavit at your earliest convenience.On March 21, 2016, PayPal Credit sent a request to Equifax to have the credit inquiry removed from your credit reportPlease be advised, this removal process can take up to days for Equifax to completePayPal Credit also noted your personal information in our system to prevent an account from being opened in your name in the future.If you feel you are a victim of identity theft, there are some additional steps that we suggest you immediately consider takingYou can go to the Federal Trade Commission website on identity theft at www.identitytheft.govIt contains additional information and refers you to resources that could be helpful in dealing with your situationIdentity theft is a crimeYou can file a report with your local police or the police in the community where the crime took placeMany police departments have a special Identity Theft Report, which is a police report with more than the usual amount of detailIf the detailed Identity Theft Report is available, we recommend that you obtain a copy in order to protect your rightsYou have the right to place a fraud alert on your credit reportsA fraud alert tells creditors to contact you before they open any new accounts or change your existing accountsTo do this, you can contact any one of the consumer reporting companies mentioned belowIf you contact any one of them, the one you contact is required to contact the other two to place an alert on their files as well.Experian P.OBox Allen, TX (888) 397-3742 www.experian.com Equifax OptionsP.OBox 740256Atlanta, GA 30374(800) 525-6285www.equifax.com(TRW) TransUnion Corp.P.OBox 6790Fullerton, CA 92834 (800) 680-7289www.transunion.comShould you require additional information relating to the fraudulent account opened in your name, please submit a written request to the following address, along with a copy of your current government issued photo identification:PayPal CreditAttn: Customer Security OperationsP.OBox 5018Timonium, MD 21094We hope this letter explains and resolves this matter.Sincerely,Christina W***

Dear *** ** ***:Thank you for contacting Comenity Capital Bank regarding the above-referenced accountAsthe bank that previously issued Tiger Direct credit cards, we are here to help with your account relatedquestionsYour additional complaint, addressed to the Revdex.com, wasforwarded to my attention, and E appreciate the opportunity to respond to your concerns.We understand that you have additional questions regarding the accountYou state that youdon't understand why the late fee is $and $35.00, why there is a minimum due, and whatpromotional to revolving means, and you would like an explanation for these things.Our records indicate that the situation referenced in your complaint has already beeninvestigated, and we previously responded on June 38, A copy of our previous responseis enclosed for your reference.Per our conversation on June 19, 2015, I explained that if the minimum due is not received bythe due or is less than the minimum due a late fee will be assessed to the accountI explainedthat a minimum finance charge will be assessed to the account as long as there is a balanceon the account, and when the promotional plan is not paid in full by the due date thepromotional plan is rolled over to a revolving plan and will assess finance chargesAll of thesedetails are stated on your monthly billing statement and in the Credit Card Agreement.We hope you find this information helpfulIf you have any further questions regarding youraccount, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I willbe happy to assist you.Sincerely,
*** ***Consumer Relations Specialist

Dear Ms***We received the complaint you sent to the Revdex.com of Central Ohioregarding PayPal CreditYour correspondence was forwarded to Comenity CapitalBankThe PayPal Credit product is issued by Comenity Capital Bank and serviced byBill Me Later, IncPayPal Credit is a
payment option made available by manymerchants to their customers.Your complaint states you received a statement from PayPal Credit stating you werethree months past dueYou did not believe you opened a PayPal Credit account untilyou called and found out you had selected PayPal Credit as your payment methodwhen you made your purchaseYou did not receive paper statements, and were toldyour statement notification were sent to you by emailYou recently attempted to makea purchase on eBay and noticed PayPal Credit was checked as the payment methodduring checkoutYou would like the late fees removed from your account.PayPal Credit's records reflect your PayPal Credit account was opened on January 11,2015, with an online purchase of $through eBayIn order for an application toprocess with PayPal Credit and an account to be opened, the consumer must providetheir name, date of birth, last four digits of their social security number, and agree to andaccept the electronically presented Terms and Conditions at the time of application,which required that you click the "Agree and Continue" button acknowledging that youwere "...apply[ing] for credit ..." A copy of the Terms and Conditions are included foryour reference."You also received and consented to the PayPal Credit's E-Sign Consent, wherein youagreed to receive disclosures and other information electronicallyAs such, youconsented to receive statement ready emails from PayPal Credit via the email addresson file for your account, *** alerting you your statement isready for viewing electronicallyA paper statement will not generate unless the accountbecomes delinquent, or you change your paper statement status through either thePayPal Credit website or via a written request, as disclosed in the Terms andConditionsAccording to PayPal Credit's records, all emails and electronic statementnotifications issued to *** were delivered successfully.Please note, the January 11, purchase did not post to your account, as thefunding source was changed prior to completing the transactionUpon checkout, aconsumer is provided with their available funding options within their PayPal account.The first funding source presented to the consumer is the default-funding source on thePayPal accountOnce you are logged into your PayPal account, you have the option tochoose PayPal Credit to fund your purchaseHowever, if you do not wish to utilizePayPal Credit, you always have the option to choose one of your existing paymentmethods.PayPal Credit's records show five purchases posted to your account between January13, and March 20, 2015, totaling $Since no payments were received, youwere assessed interest and late fee charges, in accordance with the Terms andConditions, which were reflected on your statementsRecords also indicate that sinceyour account was past due, your statement dated April 17, 2015, was mailed to theaddress on your account.As the result of an April 23, 2015, phone call with PayPal Credit, your account wasclosed per your request and you were sent a letter confirming this actionTherepresentative offered to waive two late fees totaling $if you paid the remainingbalance of $Please note, the associate misspoke when providing the accountbalance, and should have stated $62.26.PayPal Credit received your payment for $on May 25, Because theassociate provided the incorrect balance and you made the requested payment, PayPalCredit has credited all remaining late fees and finance charges to your account.Additionally, PayPal Credit has sent you a refund check in the amount of $for theamount overpaidTherefore, as of the date of this letter, your account is closed with azero balance.We apologize for any inconvenience this mistake may have caused youWe hope thisletter explains and resolves this matter.Sincerely,*** ***Compliance Dept- Consumer Responses

I wanted to send you a quick email regarding the Revdex.com rejection for *** *** ** *** PayPal Credit sent Mr*** the requested Affidavit of Fraud on April 5, 2016. Please let me know if you have any questions or need additional information from me to close the rejection.Have a great afternoon! Jessica A*** *** ***

Hello,We are requesting additional research time for this complaint until 12/7/ If you are unable to accommodate our request, please let us know. Thank you! *** ***
*** *** *** *** *** * *** Comenity Capital Bank***
*** *** *** ** ***
Office: ###-###-####

[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:
Regards,
*** ***

I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meThank you for your help
Best Regards, *** ***

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 were approved for a PayPal Credit account; however, thepurchase you made in connection with opening your account was cancelled due to lackof payment despite having used PayPal Credit to fund the purchaseYou wereinformed your account had been blocked and you experienced difficulty with reopeningyour accountYou would like PayPal Credit to inform customers when transactions areblocked.PayPal Credit's records reflect your PayPal Credit account was opened on June 29,2015, with an online purchase of $through PayPal merchant Apple IncandPayPal Credit was selected as the payment method.That same day, your Apple Incpurchase was blocked for your security purposes, inaccordance with PayPal Credit's fraud prevention proceduresA PayPal CreditCustomer Security representative informed you PayPal Credit monitors accounts forsuspicious activity in order to prevent fraudA hold was placed on your account for thisreason, and you were informed the review process for the removal of the hold couldtake 24-hours to complete.The following day, in a phone call with PayPal Credit you stated you were still havingdifficulty using your accountYou were advised additional documentation, including acopy of your driver's license and a utility bill with your name and current address listed,was needed in order for PayPal Credit to further review your account and remove thesecurity holdPayPal Credit received the requested documentation from you on theevening of June 30, 2015.On July 1, 2015, you called PayPal Credit regarding the status of the security holdremovalThe representative informed you the decision was still pending and you wouldreceive an email when this process was completed, which would also inform you youraccount was ready for useLater that day, the review of your account was completedand the security hold was removedThe security hold was removed within thetimeframe you were originally told it would take to complete.The next day you called PayPal Credit and you were informed your account wasunlocked and available for use; however, due to a system issue, an email was notgenerated to notify you of thisYour statement dated July 4, 2015, shows a purchasefor $with Apple Incposted on July 3, With this purchase, you selected a"Easy Payments" promotional financing optionThis statement also shows yourending balance of $and your minimum payment requirement of $due byAugust 1, 2015.Please note PayPal Credit's advertisement: "Apply now and get a decision in seconds"is in reference to a customer's ability to receive a credit decision in seconds fromPayPal Credit, and does not apply to any security issue that may arise following theapproval and use of an account for purchasesAs such, you were instantly approvedfor an account upon submitting your application; however, your account utility wastemporarily suspended for an additional security reviewPayPal Credit informscustomers by email when a purchase is attempt is blocked within hours of the blockoccurringPayPal Credit's records show you were informed of this in an email sent July1, 2015; however, at that time you had already spoken with PayPal Creditrepresentatives by phone and the security hold was removed later that day.We hope this letter explains and resolves this matter