Comenity Capital Bank

[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 12030425, and find the resolution is satisfactory to me
Regards,
Clara Bell

The cost of the procedure (porcelain crown) should be $the dental office earlier (before I go to do the procedure) admitted that there is an error, and they promised to correct it, but they didn'tYou completely discarded the other part of the issueI realized that I agreed to open the account and make the procedure with themso I made a payment of $on 02/08/2016, and contacted the dental office
one the same day to schedule an appointment for 02/18/at 9:to do the procedure they
charged me for (the porcelain crown) When I called the office to make the
appointment I asked them how long the procedure would take in order to manage
my schedule at workThey answered me "from to minutes." I
arrived around 9:AM and signedI can prove what time I arrived and signed
They kept me waiting until it was AM without providing any service or
even an explanation or excuse or what time they would serve meThe people who
were sitting at the waiting room by the time I arrived, entered and finished,
and other people who came after, they entered also and finished, and I was just
waitingI tried to approach the receptionist twice during these minutes,
and she told me that I would enter, and I had just to wait
At 10:15, I wanted to leave because I had to go to work, and I waited already
for minutes, but I said to myself: "I am paying already for this
procedure, and I don't want to come to this place againI will wait for a
little more." At 11:00, I had to leaveWaiting for an hour and a half was
more than enoughAnd I had no idea for how long they wanted me to waitMaybe
for or hours! I don’t knowI approached the receptionist again and asked
her “Why am I waiting for that long? It is now and my appointment was at
9:What is the point of making appointments if I have to come here on time
and wait for hours?” She didn't respond to meHere I used my phone to record
what was going on for the sake of documenting that I went to the office to do
the procedure they charged me for and they kept me waiting for an hour and a
half without providing any service to meThey told me "You can't record
us" I told them "I do have the right to record and document the treatment
I got here"They asked me to leave the office, and called - I am not sure
whether it was the police or securityI waited outside the office waiting for
the Police or security to show up, but they didn'tI called the police myself,
and explained to them what happened, and the police informed me that I had the
right to record as long as I was not hiding a camera or was recording confidential
documents or infoAs part of the agreement on my credit account with you, it states:If
you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.To use this right, all of the
following must be true:The purchase must have been made in your home state or within 100miles of your current mailing address, and the purchase price must havebeen more than $(Note: Neither of these is necessary if your purchasewas based on an advertisement we mailed to you, or if we own the companythat sold you the goods or services.)You must have used your credit card for the purchasePurchases madewith cash advances from an ATM or with a check that accesses your creditcard account do not qualifyYou must not yet have fully paid for the purchase.If all of the criteria above are met and you are still dissatisfied with thepurchase, contact us in writing at: Comenity Capital Bank PO Box 182620,Columbus, Ohio 43218-
When I called the Comenity Capital bank on the same day, they told me that they
put my account under disputeand when I called them about a week later to
check if there is any updates, they told me that I need to contact the dental
office!! I contacted them several day ago, they told me that the account has been put on disputeEvery time I contact you, someone would tell me something different
Frankly, I am done with that
I can prove that I didn't do the procedure, and missed a couple
hours at work in vainMy boss was mad at me, and I got a disciplinary actionThey
wasted my time, energy and money (work pay and transportation)
When I contacted them after this
incident asking whether they would issue me a refund as they failed to provide
the service they charged me for in the appointment scheduled, they refused and
told me that “Schedule another appointment" as nothing had happened and as it was my mistake that they failed to provide the service in appointment scheduled! It is none of my business what they
claim that they made the crown alreadyI made an appointment to receive the
service they already charged me for, and they failed to provide the service in
the scheduled appointmentMoreover, they caused me harmIt’s my right by law
to get a refund as the service provider failed to provide the service they
charged me for in the time scheduled to provide the serviceThere is NO WAY I
can deal with or do any business with them againAnd it’s my right by lawYou
can’t tell me that I have either to pay for a service I didn’t receive, or try
again to go and get the service, as it was my mistake that they didn’t respect
the appointment, and failed to provide the service
Let’s say you made a reservation at
a restaurant and asked them to prepare some special kinds of food, and you went
on time, and they kept you waiting for an hour and half beyond your
appointment, and when you decided to leave, and asked for a refund, they tell
you, “make another reservation and come again!”
And according to the agreement on my credit account, you are under obligation to investigate whether I have received the service or not, and whyI can prove what time time my appointment was, as well as what time I arrived at their office, and what time I left (without receiving any service)I am going to contact you in writingAnd I am not going to make payments for a
service that I didn’t receive, and I do demand a full refund of my balanceI
will bring the whole matter before a court of law to guarantee that I get my
money back, should you failed to issue me a refundRegards,*** ***

Dear Mr***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Capital Bank issues Norm Thompson credit card accounts, and weare here to assist you with all account-related questions or concernsI appreciate the opportunityto
respond to your concerns.We understand from your complaint that you feel you do not owe Comenity Capital Bank $229.54.You previously were advised that you owed $which you paid and assumed there was nofurther balanceYou are requesting an itemized statement for the last four years if we would likefurther payment towards the bill.Thank you for speaking with me on May 24, Below, please find a summary of our previoustelephone conversation.Bank records show that your billing statements were returned to us by the post office on April 21,2015.We received you payment of $on May 14, After this payment processed the accountreflected a balance of $41.94, and a payment of $due by June 28, Due to non-receiptof payment, the account was written off on January 2, 2016, with an unpaid balance of $229.54.The Bank has made the decision to no longer hold you responsible for the balanceDue to thisaccount being reported as a charge off, Comenity Capital Bank notified the credit reportingagencies of the changes that needed to be made to your credit reportPlease be assured thisaccount is no longer reporting to the credit bureaus.You are a valued customer, and we hope you find this information to be helpfulShould you haveany further questions or concerns, please do not hesitate to contact me at ###-###-####, ext.*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**

From: William CSmith [mailto:[email protected]] Sent: Monday, November 30, 3:PMTo: [email protected]: #10852198Dear MsCatherine McLaughlin: I just now received the email today, 11-30-2015, regarding this Revdex.com complaint, stating I had not responded regarding the level of satisfaction with the business's response to the problemPlease be advised I was NOT given any choice in the matter; all I had received was the response to the complaint by Comenity Bank, and it DEFINITELY WAS NOT TO MY SATISFACTION!! They still think I owe them the remainder of the balance regardless of whether or not received the services I was promised by Hair Club for MenThey also made the error of assuming I wanted them to give me a full refund of what I had paid thus far, and that is NOT, nor EVER WAS, the caseLet me clarify now I wanted them to STOP sending me bills for services I was not getting, and requested only a PARTIAL refund for their unbusiness-like conduct: frequent phone calls of harassment and sending bills through mail. Please respond as soon as possible.Sincerely,*** * ***

[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,
*** ***

Dear Ms***We received the complaint you sent to the Revdex.com of Central Ohio (Revdex.com)regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThePayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, Inc.PayPal
Credit is a payment option made available by many merchants to their customers.Your complaint states you feel PayPal Credit has not complied with the Terms and Condition'syou agreed uponYou filed a dispute within thirty days; however, when your dispute wentunresolved, you filed a second dispute outside of PayPal's sixty day timeframeFurther, youstate the disputed amounts collected interestYou are requesting PayPal Credit remove theincorrect purchases from your account and for the associated interest charges to be credited toyour account.According to PayPal Credit's records, you made five purchases in the amount of $eachon November 4, 2013, from eBay merchant APMEX INC and selected PayPal Credit as yourfunding sourceYour purchases qualified for "No Payments + No Interest if paid in full in sixmonths" promotional financing until May 27, As long as the promotional balanceswere paid in full by May 27, 2014, you would not receive any interest charges.From January 2, 2014, through May 2, 2014, three payments were made to your accounttotaling $1,These payments were applied to purchases with promotional plans expiringfirst in order to avoid the associated deferred accrued interest from being assessed to youraccountYour December 12, 2013, payment of $went toward your purchase expiringDecember 27, Your January 15, 2014, payment of $went toward two purchasesexpiring January 27, Your March 31, 2014, payment for $went toward yourpurchase expiring April 27, Because the five purchases from November 4, 2013, werenot paid in full by the promotional expiration date, deferred interest charges associated withthose promotional plans totaling $were assessed to your account.On May 31, 2014, you contacted PayPal Credit via email regarding your purchases fromNovember 4, Your correspondence stated that the purchases were initiated as onetransaction and qualified for twelve months of promotional financingPayPal Credit conductedan investigation and confirmed twelve month promotional financing was not offered at the timeof your purchases, which you were notified of in an email on June 4, As a result, noadjustments were made on your accountUpon receipt of your complaint, PayPal Creditresearched again and found that eBay was not offering a twelve month promotional plan at thetime of your purchases.PayPal Credit previously confirmed with PayPal that you opened five unauthorized transactionsclaims through PayPal's Resolution Center on August 14, 2014, for the five purchases of$made on November 4, 2013, from eBay merchant *** ***On August 23, 2014,PayPal issued two credits totaling $to your PayPal balance and your claim with PayPalwas closedUpon receipt of your complaint, PayPal Credit learned these credits were issued toyou by PayPal in error; however, they will not be removed from your accountOn August 24,2014, you used these credits to make a payment to your PayPal Credit accountThis paymentof $is shown on your September 2, 2014, statement.PayPal Credit confirmed with PayPal that on November 14, 2013, you issued an eBay claim foryour purchase dated November 4, 2013, in the amount of $Please contact an eBaydirectly at ###-###-#### for additional assistance regarding this disputePayPal Credit has norecord of receiving any disputes in regard to your November 4, 2013, purchasesAs a result,these purchases continued to receive fees and interest, per the Terms and ConditionsIn orderfor PayPal Credit to further investigate your claim, please provide documentation showing youcorresponded with the merchant regarding the returned purchasesYou can either fax thisinformation to PayPal Credit at ###-###-#### or mail it to the below address:PayPal CreditP.OBox 8Timonium, MD 094PayPal Credit previously credited $in interest charges to your account, as a courtesy.These credits are reflected on your February 2, 2015, and April 2, 2015, statementsPleasenote these credits exceed the original amount of deferred interest assessed to your account asa result of the promotional financing expiring on the purchases in questionPayPal Creditrespectfully declines to credit any additional interest charges, as each fee was applied inaccordance with the Terms and Conditions.Please note, aside from the initial credit inquiry made when your account was originally opened,PayPal Credit does not report the status of your account to the credit reporting agenciesAs ofthe date of this letter, your account is open with a balance of $5,and a minimumpayment requirement of $due by November 27, 2015.We hope this letter explains and resolves this matter.Sincerely,Laura C***

I have made payments since August that they have not acknowledged When they are "located.",we can discuss this
Regards,
*** ***

Dear *** ***
Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Ballard Designs credit cardWe are here to answer your questions and assist with your concerns
Thank you for taking the time to contact
the Revdex.com in regard to your concernsWe understand from your correspondence you returned items to your Ballard Designs account, which have been creditedYou further state you made payment for the remaining balance; however, it was received four days late and fees have been assessed to the accountYou have already paid for the balance and you are requesting to have the remaining fees removed
We appreciate you taking the time to inform us of your concerns and would like to take this moment to explain our findings
On August 9, 2016, the Bank generated a billing statement showing a balance of $23.90, which consisted of a charge of $and a return credit of $Your statement showed a minimum payment of $due by September 4, Since payment was not received by the due date, a late fee was assessed for $
On September 8, 2016, the Bank generated your next billing statement showing a balance of $23.90, which was due by October 4, This statement reflected your payment of $23.90, which was credited on September 8, This payment took care of your previous statement balanceSince payment for the late fee of $was not received for the next three billing statements (October, November and December) additional late fees were assessed to the account, bringing the balance to $
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 Agreement (CCA)Enclosed you will find a copy of the CCA and copies of your billing statements showing the activity that resulted in the account balance
After a thorough review of Bank records, we find the late fees assessed to your Ballard Designs credit card are validHowever, as a courtesy adjustment, we are willing to remove a total of $in late fees, and $in finance charges leaving a remaining balance of $due by January 4,
To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you
Online: Online 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 Ballard Designs account
Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible
Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative
The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter
I hope you have found this information to be helpfulIf you would like to make payment arrangements you may contact our Payment Solutions department at ###-###-####
Sincerely, *** ***

Dear Mr*** We received your additional 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 youOur records indicate that the situation referenced in your complaint has been investigated and a response has been previously issued explaining our findings and resolutionComenity Capital Bank’s position remains unchangedWe have enclosed a copy of our previous response for your recordsAdditionally, please be advised that we have closed the above mentioned account per your requestAs of the date of this letter the remaining balance on the account is $We hope that you find this information to be 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 youSincerely, Rosa M***

They claim to have sent out a letter on December 2, 2015, but have yet to receive any letterAlso, my credit report has not changed from the time I applied to when they closed the accountI had checked this, as I look at my report regularlyWith the information not changing on my report, they never should have allowed the account to be opened, especially since this will now negatively affect my credit score and reportto date, I have received statement from them and that was the first statement and even made the payment on timeI work in finance and credit and do understand how it worksHowever, my issue is with the fact that the account was closed in such amount of time from it being opened and no changes was made on my credit report other than Orbitz looking to even approve the accountAgain, it is not my fault, nor my issue if the computer qualifies people if they should not receive have been approvedThat is something the company needs to investigate so others are not penalizedif Orbitz will not do anything, and I'm pretty sure they won't care about this part, but I will drop all connections I have with Orbitz, including my own travel plans and referralsThere are other companies who are more professional and know what they are doing and do not rely on a computer to give out credit and such to those who should never have received anythingI would have thought that with the short amount of time from when it was approved to cancel, that Orbitz would have the courtesy to write the credit bureaus to not have this negatively affect my credit, but I guess they are not willing to do and I now have my opinion of OrbitzBut again, I highly doubt Orbitz will care, especially since I am but one person and they can afford to lose one customer/clientThey have not only demonstrated how unprofessional they are, but most credit card companies do have their system set up that if even thing is off on a credit report, it needs to be submitted for further reviewWhy was this not done? It sounds like it was an error on their computer system and I am being penalized for itOrbitz needs to own up to the errors of their computer and/or update their system on what it does, because it does affect peopleI am one that I will not condone my credit report, score, and finances being played with by anyone and/or any company and I will stop all business and referrals with Orbitz and since they are unwilling to do anything for something their computer should not have done, I have my final opinion of themI have never heard of any company doing this and it is appalling
Regards,
*** ***

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

Dear *** ***Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Zales credit cardWe are here to answer your questions and assist with your concerns.We understand your concerns regarding the payment that you made
in August for $You state this payment was to have paid the balance in full, per the agreement with a Bank managerHowever, you continue to receive bills and telephone calls, and now your credit is ruinedYou would appreciate assistance in getting this matter cleared up.We apologize for the frustration and inconvenience you may have been caused by this experiencePlease be advised that Comenity Capital Bank obtained the Zales portfolio in January Your account balance at the time of this conversion was $390.36, and the account was past dueAs the account continued to be past due, late fees and finance charges were assessed to the account.On March 15, 2016, your payment for $was received which, after the April billing, left a balance of $Comenity Capital Bank sent you billing statements; however, the payment due date was missed for April 2016, May 2016, June 2016, and July 2016.On July 18, 2016, the account billed with a balance of $492.38, and a minimum payment of $due by August 13, On August 15, 2016, your payment of $was receivedAs the Bank did not receive any further payments from you, the account was assessed additional late fees and finance charges.The Bank received your correspondence and talked with you regarding this balance and we had no record of an agreement that you would pay only $to settle the balanceAs such, you were responsible to make payment for the balance.However, on February 28, 2017, as a courtesy, the Bank issued credits totaling $to the account, and removed the negative payment information for August to February As a result of the credits, the account had a credit balance of $114.07.A refund check for $has been issued to you and will be received under separate coverTypically it takes 7-business days to receive the check; however, as you currently reside in Ireland, please be advised that it may take more time to receive the refund check.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***

We received your correspondence sent to the Revdex.com (Revdex.com), regarding the above-noted account, which was forwarded to Comenity Capital Bank (Bank)Comenity Capital Bank issues the Overstock™ Store credit cardWe are here to help answer your questions and assist with your
concerns
Per your complaint, you state on November 22, 2016, Overstock/Comenity made an inquiry on your credit report without your authorizationYou further state Experian’s credit monitoring service alerted you; at which time, you called customer service at Comenity and spoke to Dan who apologized and advised the inquiry would be removed
We appreciate you taking time out of your schedule to contact us regarding your concernsWe understand your concerns and would like to take this moment to explain our findings
A review of our records revealed on November 22, 2016, you requested Comenity Capital Bank increase the credit limit on your Overstock™ Store credit card through our online Account CenterThe Bank then sent you a letter stating it was necessary for us to review your credit history to process your requestBased on information in your credit bureau report, we are required to contact you using the information you provided to the credit bureauSince we were not able to contact you with the information provided, we could not complete the processing of your requestEnclosed is a copy of the November 22, 2016, letter for your recordsA credit report is routinely reviewed when a consumer requests an extension of credit, or an increase to an existing line of credit
The Bank finds the inquiry on November 22, 2016, to be valid; however, we have notified the credit-reporting agencies to have this inquiry removed from your credit report as a courtesyPlease keep in mind this may take days for the credit-reporting agencies to update their records
Additionally, please be aware that due to their compliance policies, the credit-reporting agencies do not delete inquiries from a consumer’s credit bureau reportWhen the Bank requests that an inquiry be removed, the credit-reporting agencies will change it to a soft inquiryThis means that the inquiry only appears when the consumer pulls his or her own credit reportA soft inquiry does not appear on a consumer’s credit report that is provided to a lender or any other authorized party, and it does not affect the consumer’s credit scoreTherefore, you will continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report
I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####
Sincerely,
Jack C

I do not owe $and will not pay this.Your payment was mailed on time to clear out the final balance and the $late fee is usury and is not legal nor acceptable You should have deducted all late fees as you were always paid on time and once I paid off the account is when you decided to keep me attached by drumming up additional fees.Your record on complaint sites and Revdex.com clearly shows your techniques used in all your various companies with fraudulent collections, fees, and horrible customer service.I am requesting that you close this account, remove all fees, remove credit bureau information asap, and never contact me again.Revdex.com thank you for your help and please note this on the account of the commenity blair account
Regards, *** ***

Dear Mr***:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Capital Bank issues GameStop PowerUp Rewards™ credit cardaccounts, and we are here to assist you with all account-related questionsI appreciate theopportunity to
respond to your concerns.We understand from your complaint that you are not receiving your statements and you arereceiving late feesYou are requesting that these late fees be removed, or you will close youraccount.After researching the account, our records indicate that you log into our online Account Centerfrequently, and you have scheduled multiple payments that you canceled before they wereprocessedYour due date is available online, as well as your billing statements.Your billing statements have been mailed to the address above around the 30th of each month.We have no record of these statements being returned as undeliverable by the postal service.Please be advised, as of the date of this letter, our records indicate the GameStop PowerUpRewards™ credit card account has a balance of $507.78, with a minimum payment of $104.00,due by November 21, The account is five billing cycles past dueShould an accountexceed six consecutive billing cycles past due, the account will be closed, written off, and reportedto the national credit-reporting agencies as an unpaid debt.Your payment is due by the 21st of the monthPlease keep in mind, when payments are notreceived, are received after the due date, or are made for less than the minimum required, theaccount will be assessed a late fee as explained in the Credit Card AgreementWe have enclosedcopies of the billing statements which show the account activity that comprised the accountbalance.After researching the account, we find five late fee credits have been issued in the last months.? $on August 3, 2015? $on November 2, 2015? $on January 2, 2016? $on January 4, 2016? $on October 3, Due to the account receiving late fee credits totaling $97.50, we are unwilling to credit anyadditional late fees.We understand customers may experience difficulty making their payments due to economicfactorsYou may be eligible for enrollment in our 12-Month Customer Hardship ProgramThisprogram can provide customers with special terms in order to help bring the account currentIfyou are interested in obtaining information on whether you qualify for this program, please call###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistanceTheir programs canprovide options such as reducing the interest rate and the minimum payment requirement andcould include all of your creditorsWe support and participate in the programs provided by CCCSagenciesShould you wish to obtain information regarding their programs, and for a memberagency located near you, please contact the National Foundation for Credit Counseling at ***
***.If you would like to close the account, please contact Customer Care at ###-###-####.I hope this information is helpfulIf you have any further questions regarding your account, pleasecontact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assistyou.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com

Good morning Ms***Thanks for contacting me and for your assistance in resolving this issue. As I stated in my complaint, I was offered the card but declined when I was told the amount I had qualified for. As to the charges mentioned in your letter in April of 2012, I have no knowledge of those purchases and did not make themI have made purchases over the years from HSN and never once was I asked if I wanted to place the items on my credit card, which attest to my belief that the card was not issued to me. I did not receive a card in the mail nor did I receive any information concerning APR. What I did receive were the statements from HSN that I thought were for payment of the camera and could not understand why it was taking so long to pay it off.Please have the card cancelled as I did not then or now want said card.Respectfully *** ***

Go *** yourselfRegards,
*** ***

I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me After this letter dated 3/I received another letter dated 3/crediting the late fee and the monthly charges were no longer on my account online Thank you!

I have told since the end of March that my concerns are being investigated, nothing has happened I tried reaching a customer
service supervisor and the representative put me on hold, for several minutes then disconnected me I have talked to “Sam in the fraud area and she flatly refused help either Please specific with your answers when you respond to me
Regards, *** ***

Incorrect information, I paid the balance with my ATM, this is the first time I hear of this, I've call month after month and no one could give me a correct info
Regards, *** ***