Comenity Capital Bank

Thank you for contacting the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues APPLESEED’S 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 you ordered a pair of pants which did not fit. When you called Appleseed’s to inquire the best way the return the item, you were told that if you used the provided mailing label, you would not be charged postage. However, you continue to be billed for mailing charges and late fees. You further state that although you have written several letters regarding this matter, you continue to be billed. The APPLESEED’S account was closed per your request, and the Bank has threatened to provide the amount due to the national-credit reporting agencies. Lastly, you state that should owe nothing because you followed the instructions for returning the pants, and you were told you would not have to pay any shipping charges. You are requesting credits of the shipping and late fee changes. We sincerely apologize for any inconvenience or frustration this matter may have caused you. We have reviewed your account, and we are happy to share our findings. Comenity Capital Bank and Appleseed’s are two separate entities. Comenity Capital Bank is responsible for addressing questions related to APPLESEED’S credit card accounts, while Appleseed’s is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, sales tax (if applicable), as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise and sales tax only; shipping and handling is not refunded. Additionally, if you use the provided Smart Label for the return, your account is billed $for the cost of the return shipping Please also keep in mind, if a payment is late or is made for less than the minimum payment due, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card Agreement On May 12, 2016, a purchase of $posted to the account. This order consisted of a pair of pants for $39.95, and a shipping and handling charge of $9.99. On May 27, 2016, a return credit of $posted to your account. This credit included a charge of $for one Smart Label fee. On June 2, 2016, a statement was issued reflecting a balance of $and a minimum payment of $19.98, due by June 28, 2016. We contacted Appleseed’s on your behalf, regarding your concerns. Please be assured, Appleseed’s has issued a courtesy credit of $to remove the shipping and handling charges and one Smart Label fee. In the interest of customer service, the Bank has issued additional credits totaling $to remove the previously assessed late fees and finance charges. The credits result in a credit balance of $9.99. Because the account has a credit balance, we are issuing a refund check of $to you. Please allow days to receive the refund check, as it is being sent by a separate mailing. Notification has been sent to the national credit-reporting agencies, regarding the APPLESEED’S account, with instructions to have the negative payment information removed from your credit bureau report. Please allow the credit-reporting agencies up to days to update this information in their records. Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when this standard is not met On August 23, 2016, the account was closed, per your request. Although you have closed your account, we hope that you will continue to shop with Appleseed’s. 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

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: ###-###-####

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, *** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is
satisfactory to me
Regards,
*** ***

The letter restates the facts listed in my complaint and offers no further resolution I will make sure everyone I know is aware of the shady dealings of this company and I will no longer conduct business with any branch of Comenity again
*** ***

Dear *** ***We received your complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the
opportunity to assist you.We understand from the complaint that you were approved for an HSN credit card account when placing an order with HSN for a MacBook ProYou state this order was cancelled because you were told you were a new accountholder and could not make a purchase over one thousand dollars and would need to use another form of paymentYou state you tried to make the purchase with another form of payment; however, you were blocked because it was a large first purchase and information needed to be verifiedWhen you called back again, you were told your account was closed as a business decisionYou would like clarification as to why your account was closed, what information needs to be verified, and how you can verify the information and keep the account.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.Additionally, please understand it is the policy of HSN to verify all new accounts with large first purchases and as HSN was unable to verify this information, the account was blocked.We contacted HSN on your behalf, and their records indicate a new account was opened on March 19, 2016, to purchase a MacBook ProPlease be assured HSN has removed the block that was previously placed on the account.If you have any further questions regarding this matter, please contact the corporate office of HSN at ###-###-####, or you may write to, HSN, PO Box 9090, Clearwater, Florida 33758.We value you as a customer, and we hope that you find this information to be helpfulShould you have any questions regarding your HSN credit card account, you may contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Ashley R***

Dear *** *** We received your additional complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questionsYour complaint 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 there were multiple charges that posted to your accountPlease be advised that the Bank has received your dispute form; however, additional information is required to further process your disputeTo best serve you, please provide the additional information needed below: ? The dates the packages were purchased. ? How many treatments you were contacted 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 any additional questions or concerns, please contact me at ###-###-####, ext* *** (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely,
*** *** Consumer Relations Specialist

I am rejecting the response from Comenity Bank to my complaint because they did not acknowledge their lack of effortWhen the fraud was discovered June 25, 2015, I submitted paperwork as requested by Comenity Bank within business days in July Their paperwork said that if I did not file the correct documentation my case would not be handledComenity Bank did NOTHING about my case and did not assign a case number until I filed a complaint with the Revdex.comI understand the day rule about getting cases resolved, however, as a result of their lack of effort, it has been days since the paperwork was originally filed and now another days will pass before my case is resolvedI expect an apology and anticipate my credit report restored

Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Toyota Rewards Visa Signature credit cardWe are here to answer your questions and assist with your concerns. We previously
received and responded to your correspondence submitted to the Bank regarding this same matterPlease find enclosed a copy of our response sent to you on February 15, 2017. As previously stated, the balance transfer initiated on December 31, 2016, of $6,150.00, was paid to the payee, *** Card on January 9, Additionally, the check number of the transfer is ***You may contact the payee, *** Card with this information to help in the search for the check. We have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. We respectfully decline to remove the fees associated with the balance transfer as the check was received and cashed by the payee. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Megan M

Dear ***
*** Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the LOVELOFT credit cardWe are here to answer your questions and assist with your concerns. We understand that you paid your credit card account and the payment went to your old account numberYou state you have received notice that the account was sent as an overdue payment to the credit agenciesYou have been told on two occasions that this has been taken care of and closed. After a review of your account, we can confirm the payment of $has been posted to the above-referenced account, all Bank fees have been credited, and the balance is zero. Additionally, we sent a request to the credit agencies to remove the delinquency from the account. Please allow days for them to update their records. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L***

I did not request application for creditCredit report obtained by Comenity Capial Bank was in part responsible to approval of fraud in obtaining and fraudulent account as the address used was from a residence of over years pastIrresponsible financial business process submitted correspondence to an address not occupied by me for over years Cell phone numbers used to obtain credit was not my current or previous phone numbersWhen I notified Comenity Capital Bank on Jan3, of potential fraud it was due to correspondence Comenity Bank sent to my current addressAs per my discussions with the Comenity Bank Account Protection Fraud group several charges were made in a state other than Tennessee and additional charges were allowed after the stated letter dated December 22,with notice of suspensionThe charges were using my legal name and under pretense of my identityComenity Capital Bank failure to verify the application for correct address and phone allowed for fraud and Identity thief to continueThis caused me to spend time and money to obtain police reports and submit verification of identityI spent numerous hours with notification to credit bureaus and , to protect me from further financial damages, obtained and paid for credit monitoring I have to this date received a bill for $2,from Virgin American ( Comenity Capital Bank) due in two days. I have to this date received no letter from Comenity Capital Bank per their responseNo Letter dated April 11,has arrived at my current and correct residenceit to In one of my request to Comenity Capital Bank account protection team I was told a Mrs Gonzales was mailing my fraud response to the same address that was used in the fraud account Since Comenity Capital Bank declares they will not provide support for my cost to prevent further Identity issues in my name I respectfully decline their response as an inadequate reply to a U.Scitizen and consumer of goods and services and my compliant through this Revdex.com complaint I further reserve my rights as a consumer to notify the Federal Trade Commission , the Federal Banking commissions , any and all Federal Law enforcement agencies, my U.SCongressional Representative ,who shares the Chair of Ways and Means in U S Congress. The original Comenity Capital Bank letter dated January 16, stated that they had opened a fraud case ***-on Jan11,and it would be closed within days This days period has fully expired This complaint is to be kept open per my request. thank you
Regards,
*** ***

Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Capital Bank issues Blair@ credit card accounts, and we are hereto assist you with all account-related questionsI appreciate the opportunity to respond to
yourconcerns.We understand from your complaint that you have been trying to cancel your credit card sinceearly May, and in July you received a letter from Comenity Capital Bank confirming that youraccount was closed, and had a balance of $You remitted payment of $and laterreceived a statement indicating a new balance of $You would like the fees adjusted toprovide you with a zero balance.The Bank has reviewed the issues in your complaint and we apologize if you felt that you did notreceive the best customer serviceIt is never the Bank's intention to treat our customers in aless-than-satisfactory mannerComenity Capital Bank is committed to providing the bestcustomer service and is disappointed when a customer feels that this standard was not met.We have reviewed our records and we are unable to locate your previous correspondence fromearly May, where you requested to close your accountI apologize for any inconvenience thismatter may have caused youPlease be assured, the account was closed per your request onJune 10, 2015.Please be advised, in the interest of customer service, credits were issued to remove the latefees and finance charges which were previously assessedYour balance, as of today's date, iszero.We hope you find this information helpfulIf you have any questions, or need additionalassistance, please do not hesitate to contact me directly at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely, Amanda R** *** *** ***

ID *** against Comenity BankReceived your letter dated 9/28/According to this letter the matter concerning my mother, *** ***, Hapand account had been resolvedHer last statement sowed a -0- balanceHowever she is still receiving harassing phone calls from Hapand threatening to sue herA zero balance surely they can't sue a year old sick ladyPlease your attention to this matter would be greatly appreciated. Thank you*** ***

All the information provided in the original Revdex.com complaint is still valid Please consider this a request to direct your inquires and my request for resolution to Commenty Bank, Overstock.com's agent

Dear Ms***:We received the complaint you sent to the Revdex.com regarding PayPalCreditYour correspondence was forwarded to Comenity Capital BankThe PayPalCredit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,IncPayPal Credit is a payment option
made available by many merchants to theircustomers.Your complaint states your PayPal Credit account was closed because you hadfinancial difficultiesPayPal Credit offered you a payment plan and you accepted theterms believing your account would be reinstated upon completionYou did not missany payments; however, your PayPal Credit Account is still closed and PayPal Creditrefuses to reinstate itYou have contacted PayPal Credit, but late fees are accruing onyour balance because no further automatic payments were scheduledYou arerequesting your PayPal Credit Account be reinstated.PayPal Credit's records indicate from November 3, through January 2014, nopayments were made on your accountYour account was closed on January 18, 2014,due to delinquencyPayPal Credit notified you of your account closure on yourstatement dated February 17, 2014.On March 14, 2014, you enrolled online in the Hardship Program with PayPal Credit.As part of the enrollment process, a customer must accept the electronically presentedTerms and Conditions at the time of enrollmentThese Terms and Conditions state,"upon entering the Hardship Program, your account will be closed and be ineligible forreinstatement upon completion of the program." Once you enrolled, you were mailed aletter, dated March 14, 2014, outlining the terms of the hardship programThis letterinformed you that for the twelve months following the date of the letter, your minimumpayment requirement would be reduced to $per month and your interest ratedecreased from 19.99% to 11.99%This letter also stated, "as a condition ofenrolling in this Program, your account will be closed and will remain closed uponcompletion of the Program "PayPal Credit's records indicate your payments were received in accordance with yourpayment plan from April 14, to March 14, 2015, when you successfully completedthe Hardship ProgramUpon completion of the Hardship Program, your interest ratereturned to 19.99%, as stated in the letter dated March 14, This is also reflectedon your statement dated March 17, 2015.Your payments were received as agreed until JulyA late fee of $was charged toyour account because your minimum payment of $was not made by the due date,July 14, This late fee is reflected on your statement dated July 17, 2015.PayPal Credit's records indicate you previously submitted three requests for youraccount to be reviewed for reinstatementYour reinstatement requests were denied,and you were sent communication regarding each denial in letters dated January 6,2015, March 3, 2015, and August 11, Each letter provided information regardingthe reasons your reinstatement was denied.Unfortunately, PayPal Credit is unable to honor your request to reinstate your account.As previously stated, the Terms and Conditions of the Hardship Program state 'uponentering the Hardship Program, your account will be closed and be ineligible forreinstatement upon completion of the program."As of this writing, your current account balance is $484.28, and your minimum paymentof $is due by September 14, 2015.We hope this letter explains and resolves this matter.Sincerely,Patricia L*** *** * *** ***

Dear Ms***We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding MacMall Preferred AccountsYour correspondence was forwarded toComenity Capital BankThe MacMall Preferred Account product (MacMall Preferred) isissued by Comenity Capital Bank and
serviced by Bill Me Later, IncThe MacMallPreferred Account is a payment option made available by MacMall to their customers.In your complaint, you state an inquiry is showing on your TransUnion credit report byCCBIPPCYou believe you have not applied for any credit with PayPal Credit, and youwould like the inquiry removed from your credit report.MacMall Preferred's records reflect a MacMall Preferred Account was requested in yourname on August 28, 2015, with an online purchase of $through MacMall.com.In order for the application to process with MacMall Preferred, your name, date of birth,address, and the last four digits of your social security number were provided.The attempted application was declined, and you were sent correspondence stating theapplication was declined because, "[your information was incomplete or inaccurate orthe circumstances may have suggested that the purchase was not made by you."When your application was processed, a credit check was performed with TransUnion.On September 4, 2015, you called MacMall Preferred and stated an unauthorizedinquiry appeared on your credit reportAt that time, you were advised to submit arequest in writing to have your inquiry removal request reviewedOn September 8,5, MacMall Preferred received your correspondence requesting the inquiry datedSeptember 4, 2015, be removed from your TransUnion credit reportOn September 9,2015, MacMall Preferred sent a request to TransUnion to have the inquiry removed;however, TransUnion advised MacMall Preferred that they could not locate an inquiry inyour name on September 4, 5, because the inquiry took place August 28, Ina letter sent to you dated September 16, 2015, MacMall informed you an inquiry for thedate provided could not be located by TransUnion.Upon receipt of your complaint, MacMall Preferred sent a request to Transunion toremove the August 28, 2015, inquiry from your credit report, as a courtesyPleaseallow up to days for Transunion's records to reflect this request.We hope this letter explains and resolves this matterLaura C***

Dear Ms***We received your additional correspondence regarding the above-referenced accountsComenity Bank issues the above referenced credit card accounts, and we are here to assist youwith all account-related questions or concernsI appreciate the opportunity to respond to yourconcerns.Our records indicate that we have previously responded to this issueEnclosed, please find ourrecent correspondence sent July A copy of this response was also previously mailedto youOur position remains unchanged.If you have further questions regarding the orders billed to your accounts, please contactRoaman's directly at ###-###-####.I hope you find this information to be helpfulIf you have any further questions, please contactme at ###-###-####ext*** (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Amanda R**

Hello,Thank you for your inquiry. *** *** *** ** ***
We will reply to your email providing an update and/or resolution of your issue. Please understand that it may take 2-business days to resolve the issue.Please reply to this email with any additional
questions related to your inquiry.Sincerely,Consumer Support Group

I have not received the Affidavit of Fraud which was sent to me on March 18th according to a letter sent on March 22, from Christina W*** PayPal Credit Customer Security Operations. Since I have not received it,, I am unable to complete the Affidavit. Until I receive it, I do not feel the matter should be brought to a close as I don't feel it is totally resolved yet
Regards, *** ***

Here is the statement that show I was charge for purchases more than onceI have call them more than once for them to explain why I was charge this amountJust liked the leather jacket and suite I return at first they told me that they never receive these things backBut after I file my complain with B.B.BThen they tell me that they location the suit and jacketI ahve try to get Haband to explain what the was for but they wouldn't tell me Here is some proff that will show where they charge me this amount Here is the lately statement that show I old after the unjustment.*** ***P.SIf I old them anything I will glad to pay themAlso pay attention to 11-10-and 10-11-