Comenity Capital Bank

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-

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*** *** ** * *** * *** *** ***1) attached is a copy of email transactions via *** *** *** ** ***2) One check dated 4/21/16, *** *** Ck # *** made to Healthplan for 205.92, never clearedSee attached copy, Transaction History/*** ***3) The only reasonable explanation here to was the fact there have been a series of breor mailboxes here in *** **about that time.4) A stop pmt., will be made on the check and a new check will be issued.Please adviseThank you *** *** ***

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, *** ***

Dear *** ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Blair credit cardWe are here to answer your questions and assist with your concerns. We understand from your
correspondence, submitted to the Revdex.com, that you returned merchandise, and received a statement with a balance of $which included a late fee of $At that time you contacted the Bank requesting that late fee be removed due to the merchandise being returnedThe representative removed the late fee at that timeAdditionally, a $shipping fee was assessed to the accountYou are requesting the shipping fee refunded back to the account. Please note Comenity Capital Bank and Blair are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountBlair is responsible for handling matters related to sales, merchandise processing, returns and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handlingWhen the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refundedAdditionally, if you use the Smart Label for the return, your account is billed $for the cost of the return shipping. Please contact Blair directly to discuss the shipping and handling chargesThey may be reached at ***
*** I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S***

Dear Ms***We received 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**

Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the abovenotedaccountComenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questionsYour complaint was forwarded to my attention, and I appreciate
thisopportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated and aresponse has been previously issued by the Bank on July 11, 6, explaining our findings.Comenity Capital Bank's position remains unchangedWe have enclosed a copy of our previousresponse for your records.Should you have any further questions, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Rosa M***

Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the NY&C Rewards credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that
you were working with a debt management company to make payments to the accountYou attempted to settle the balance on the account, or lower the minimum payments, however both options were deniedYou state in December 2016, you received several calls and requested the calls to stopYou state the Bank failed to mention no payment had been received from the debt management company since July and because of this, the Bank has caused you financial hardshipYou received a letter from the Bank; however, when you contacted the Bank you were advised the account was sold and nothing could be doneYou request the Bank remove the account from collections and from your credit report and work with youI am happy to share my findings. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out repayment arrangements to minimize any negative credit reporting impactsMany times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status. On your phone call to the Bank in October 2016, when you attempted to settle the balance, the account did not qualify at the time for a settlementThe representative did advise that if you did make the minimum payment of $45.00, that would bring the account current , you declined to make this payment. In December 2016, during calls to the Bank, and when you were contacted by our Payment Solutions team, you were advised of the past due status of the accountYou advised representatives that you were currently working with a debt management company and that contracts were issued and should be received soonYou then requested the calls to cease and per your request the phone numbers on the account were notated with do not call instructions. Bank records indicate the NY&C Rewards credit card was enrolled in a debt management repayment plan as of July 24, The account was closed, the payments and Annual Percentage Rate (APR), were reduced and late fees were suspendedIf the account was unenrolled from this repayment plan for any reason, the APR will change and the late fees would no longer be suspendedThis information is located on each monthly billing statement. Additionally, each billing statement also provides information on when payments are received. The account was terminated from the debt management plan due to non-payment in November Additionally, due to non-payment, the account wrote off on January 2, 2017, with an outstanding balance of $220.84. A letter was issued January 19, 2017, requesting you contact the Bank regarding the accountThe account was sold to *** *** on January 23, We apologize the account was sold prior to you receiving the final collection letterTo set up suitable payment arrangements, please contact *** *** at ###-###-####. We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, KaiM***

Dear *** ***:
We received your correspondence, sent to the Revdex.com (Revdex.com), regarding the above-noted accountComenity Bank (Bank) issues the Carson’s credit card accounts and we are here to assist with credit-related questionsYour complaint was forwarded to my
attention and I would be happy to assist you
We understand from your complaint to the Revdex.com that you were having problems with your living room set within a year from the original date of purchaseAt which time, you contacted Carson’s regarding the matter and warranty; however, you did not get resolutionMeanwhile, trying to correct the issue, you did not make payment for the warranty, causing late fees totaling $to be assessedFurthermore, you are requesting Comenity Bank remove the late fees, in light of the situation, and send you a zero balance statementAdditionally, you don’t want any negative information on your credit report as a result of this matter
We apologize for any inconvenience this may have caused and would like to take this time to explain our findings
On August 12, 2016, we sent you a billing statement, which showed a balance of $and a minimum payment of $due by September 7, Since payment was not received by the due date a late fee was accessed to the account
As of September 11, 2016, a new billing statement generated showing a balance of $and a minimum payment of $due by October 7, We received your payment of $441.34; however, it was received on October 8, 2016, which was after the due date, causing an additional late fee to be assessed
When our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the accountMany times a payment may be overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successfulWe apologize for any inconvenience caused by our calls
Also, please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card AgreementEnclosed is a copy of your August through October billing statements
Bank records indicate on February 14, 2016, you received a one-time late fee adjustment of $25.00, within an month time periodHowever, in light of the matter, the Bank is no longer
holding you responsible for the remaining balance of $Your account balance is zeroPlease be advised that we do not issue statements on a zero balance account; however, you may keep this letter as verificationIn addition, all calls should have stopped at this time
Furthermore, please be assured that we have not reported your account as delinquent to the credit-reporting agencies
If you have further concerns regarding the warranty, please contact Carson’s Corporate Office (if you have not already done so) at:
Carson’s
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I hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you
Sincerely, Jack C*** *** *** ***

Dear *** ***Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist withyour concerns.We understand from your complaint that your purchase should have
been for $and instead youwere charged $You state this is unfair pricing and practicesYou receive Social Security once amonth and a full payment is expected by December 26, 2017.Please note that HSN and Comenity Capital Bank are separate entitiesThe Bank issues and is responsiblefor addressing questions related to HSN credit card accountsHSN is responsible for handling mattersrelated to sales, merchandise processing, returns and shipping.Bank records indicate that on March 15, 2017, a purchase in the amount of $was placed on a ninemonth deferment plan with regular payments requiredFor purchases on this plan, you are required to makepayments on the promotional balance based on the standard repayment terms for your accountInterest isaccrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan enddate, the accrued finance charges, which are calculated from the date of the original purchase, will beadded to the deferred balance, and this balance will be moved to your revolving balanceInformationregarding your promotional plan can be found on your monthly billing statement under the heading, “Detailsof your plans”.If you have questions regarding the amount you were charged, Comenity Capital Bank recommendsreaching out directly to HSN Customer Service for further assistanceThey may be reached at ###-###-####.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Rosa M***

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

Dear *** ***We have received an additional complaint regarding the above-referenced accountComenityCapital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help withyour account-related questionsYour complaint, addressed to the Revdex.com, wasforwarded to my attention, and I appreciate the opportunity to respond to your concerns.Our records indicate the Bank previously responded to this complaint on October 25, Inthe response, we advised that we are unwilling to update your credit bureau history, as it is valid.Enclosed is a copy of that response for your records.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies.During our review, we have found the information we reported is an accurate reflection of thepayment history for your accountTherefore, this information will not be changed or removedfrom your credit bureau reportIf you wish to continue disputing the Lending Club PatientSolutions credit card information on your credit report, you should contact the credit reportingagencies directlyTheir information is listed below for her convenience:Experian (TRW) Trans Union (TRU) Equifax (CBI)P.OBox Experian ParkwayAllen, TX - 0036###-###-####P.OBox 390Springfield, PA - 0390###-###-####P.OBox 740241Atlanta, GA - 0241###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comWe hope the information provided is helpfulShould you have any additional questions orconcerns regarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY 1-###-###-####)I would be happy to assist you.Sincerely,Jenny W***Consumer Relations Specialist

Dear *** ***: Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced applicationComenity Capital Bank issues the DentalFirst Financing credit accountWe are here to answer your questions and assist with your concernsThank you for taking the time to speak to me on March 1, 2017; per our conversation I did advise I would explain the balance on your account as well as any possible assistance you may be eligible for in order to pay your balancePer my previous letter dated January 7, 2017: on March 17, 2016, you charged $to your DentalFirst Financing credit accountOn May 2, 2016, the amount of $was returned as a credit to your DentalFirst Financial credit account, due to you not returning for the remaining treatmentThe remaining balance owed was $after the $creditDue to not receiving additional payments toward your account balance of $112.00, your account accrued late fees and finance chargesAs of the date of this letter, your account balance is $We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program, or in our Customer Long-Term Workout ProgramThese programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-#### Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance Their programs can provide options such as reducing the interest rate and the minimum payment requirement, and could include all of your creditors. We support and participate in the programs provided by CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####. As of the date of this letter, your account is five billings past dueIf an account exceeds six consecutive billing cycles past due, the account will be written off, and reported to the national credit-reporting agencies as an unpaid debtI hope the information I provided is helpful. Should you have any further questions or concerns about the account, please contact me at ###-###-####. Sincerely, Kristina W***

Dear Mr*** We have received the additional complaint regarding the above-noted account. Comenity Capital Bank issues GameStop PowerUp Rewards™ credit card accounts, and we are here to help with your account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to address your concerns. We understand from your correspondence that you have filled out the required form, enclosed in the previous response from Comenity Capital Bank, and mailed it back to the address provided via overnight mail. Please be assured that we have received your completed Statement of Fraud and Forgery (SOFF), form and forwarded the information to our Account Protection team. Your claim has been assigned fraud case number ***, and your case investigator is *** ***. The investigation may take up to days to be completed, and you will be notified by mail of the outcome. Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud. This may include contact with various local, state and federal law enforcement agencies. We hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at ###-###-#### (TDD/TTY ###-###-####) and refer to your case number ***. They will be happy to assist you. Sincerely, Lauren S*** *** *** ***

Dear *** ***: We have received the complaint regarding the above-noted accountComenity Capital Bank issues My Smile Care credit accounts, and we respond to all account-related concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention,
and I appreciate the opportunity to assist you. In your complaint, you state that you made two transactions on your account and one was placed on a month deferred interest plan and the other was placed on a month deferred interest plan and you have been making ample payments to pay the first promotional plan off. However, your account was assessed the finance chargeYou are requesting that the accrued finance charge assessed to your account be waivedI understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Our records indicate that on September 30, 2015, a purchase of $1,posted to your account and was placed on a 12-month deferred interest, payment required plan that is set to expire on September 30, In addition, on October 13, 2015, a purchase of $posted to your account and this purchase was placed on a 6-month deferred interest payment required plant that was set to expire on April 14, For purchases on these plans, 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 the information regarding your promotional plans appeared on your monthly billing statements, under the heading, “details of your plans”I have enclosed your billing statements for your review. Please be advised that when an account has more than one promotional plan, any payments that are made on the account will be applied to each promotional plan, as each plan requires a paymentFurthermore, any payments made the last two months before a promotional plan expires, majority of those payments made on the account will be applied towards the promotional plan that is set to expire first. Please be advised that a statement was issued to you on March 24, 2016, showing a balance of $1,with a minimum payment of $due by April 19, Under the “details of your plans” section of your statement, it stated that the promotional balance of $needed to be paid by April 14, 2016, to avoid the accrued finance chargeThe Bank received your payment of $on April 9, 2016; however, only $was applied towards the 6-month deferred interest promotional plan and the remaining $was applied towards the 12-month deferred interest plan as that was the minimum required payment for that planAs 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 April 14, 2016, and the remaining promotional balance of $was moved to revolving, which is subject to monthly finance charges. Comenity Capital Bank has not found any errors with the account, and we are unwilling to remove any fees that were assessed to the account, as they are valid. We hope that this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext*** (TDD/TTY #########)I would be happy to assist you. Sincerely, Jenny W***

Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concerns. We understand from your complaint that a
purchase in the amount of $was placed on your HSN credit card accountYou state you were not aware that a credit card account was established, since you provided your debit card informationYou sent in a payment for the purchase; however, the checking account was closed, and the payment was returned by your bankYou called Comenity Capital Bank and were told you did not owe a balanceHowever, you believe you are now being charged late fees and a returned check feeYou are requesting to pay the amount that was initially mentioned to you. 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. Bank records indicate the HSN account was opened on November 8, 2016, when you contacted HSN to place an orderOn November 10, 2016, a purchase in the amount of $was charged to the accountOn December 7, 2016, a payment in the amount of $was received and credited to your accountHowever, on December 12, 2016, the payment was returned due to your bank account being closed. We apologize for any confusion when you contacted the Bank regarding your paymentPlease understand that when you spoke with the representatives, the payment was not yet returned. Therefore, you were advised no balance was due. Although there were no Bank errors, in the interest of customer service, we have removed the returned check fee of $Please be assured no late fees were assessed to the accountThe remaining balance on the account will be $and a minimum payment of $is due by January 17, 2017. To provide the best customer service possible, please note the following ways in which payments may be madeYou can mail your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online Account Center site so your payment is processed as quickly as possibleIf you need to make a same-day payment, you may call us at the phone number on the back of your billing statement, ###-###-####, to speak to a Customer Care representativeA fee applies to same-day payments made with the representativeIf you do not want to pay for a same day payment, you can also submit your payment via our automated phone system, without speaking to a Customer Care representative. Additionally, you can pay onlineOnline payments submitted before 8:p.mEastern Time (ET) can be credited to your account the same-dayOnline payments submitted after 8:p.mET will be credited the following day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your HSN accountYou may register your account for online access by visiting our website at http://comenity.net/hsn. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Rosa M***

Dear *** ***Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Zales credit cardWe are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Better BusinessBureau regarding this same matterPlease find enclosed a copy of our response sent to you onMarch 13, 2017.Additionally, a review of our records indicates there was web access on your Zales account onFebruary 3, 2017, and again on February 20, 2017; however, there was no access on any datein between.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa ***

Dear *** ***We received your complaint, addressed to the Revdex.com, regarding the abovereferencedaccountComenity Capital Bank previously issued American Laser Skincare creditaccounts, and we are here to help with 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 June 2, We have enclosed a copy of our previous response for yourrecordsPlease be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext***(TDDTTTY ###-###-####)I would be happy to assist you.Sincerely, *** ***Consumer Relations Specialist

Dear *** ** ***We have received the complaint that you sent to the Revdex.com, regarding the above-referencedaccountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here tohelp with your account-related questionsYour complaint was
forwarded to my attention, and I appreciate theopportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you went to the Hair Club for Men and financedtreatments on your Lending Club Patient Solutions credit account and you are not satisfied with the quality ofwork providedYou are requesting a refundWe apologize for any frustration or inconvenience this situationmay have caused you.Please be advised that Comenity Capital Bank and Hair Club for Men are separate entitiesThe Bank isresponsible for addressing questions related to the Lending Club Patient Solutions credit account, while HairClub for Men is responsible for addressing concerns regarding treatments, charges, and refunds.Bank records show that a purchase of $3,posted your account on November 21, This purchasewas placed on a 6-month, deferred interest, payment required plan, set to expire on May 24, Forpurchases on this plan, the customer is required to make payments on the promotional balance based on thestandard repayment terms for their accountInterest is accrued (calculated, but not added to the balance) andif the balance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, will be added to the deferred balance, and this balance will be moved to thecustomer’s revolving balance.Our records further indicate payments were not received; therefore, late fees were assessed to your account.Furthermore, as a result of the promotional balance of $2,not being paid by the plan’s end date,accrued finance charges of $were assessed to your account on May 24, 2015.Please be advised that we have reached out to Hair Club for Men regarding the charge on your account andwe have been advised that a refund is not due, as treatments were provided.As of today, the balance on your account is $3,In addition, your account is currently five billing periodspast duePlease be advised, if the account exceeds six consecutive billing periods past due, the accountbalance would write-off and be reported as an unpaid debt to the national credit-reporting agenciesA write-ofcount can remain on your credit bureau report for seven years.I hope that the information I provided is helpfulShould you have any additional questions or concernsregarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I wouldbe happy to assist you.Sincerely,Jenny W*** *** ***

Dear *** ** ***
We received your additional correspondence sent to the Revdex.com, regarding the above-noted account, which was forwarded to Comenity BankComenity Bank issues the Carson’s credit cardWe are here to answer your account-related questions and assist with your concerns
We apologize for the confusion we may have caused with our previous explanation in regard to your account balance and would like to explain further, to better assist you
On your May 2016, billing statement you had a previous balance of $On April 13, 2016, a return of $was credited to the account, leaving you a balance of $Your payment of $was received on April 29, 2016, bringing your previous balance to zero
On April 13, 2016, you made two new purchases of $and $In addition, you made two more purchases on April 15, 2016, for $and $These four purchases totaled $On April 27, 2016, you were credited for a return of $9.89, bringing your total balance to $
We see where the confusion stems from, in regard to the $balanceWhen you take the $balance on your billing statement and deduct the $return, this leaves a difference of $However, keep in mind your previous statement indicated a balance of $You remitted a payment of $36.45, and the account was credited $for the return, bringing your balance to zeroYour new purchases and return equaled $115.22, as shown on the May billing statement
I hope you find this information helpfulIf you have any further questions about this account, please contact me at ###-###-####, ext*** (TDD/TTY: ###-###-####)I will be happy to assist you
Sincerely,
Jack C***

Business requested additional time to respond