Comenity Capital Bank

Dear Ms [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you received a statement on April 23, 2016, indicating that you had a balance on the above-referenced account of $ You also state that your December statement indicated a balance of $ On December 28, 2015, you made a payment of $184.61, and on January 20, 2016, you made another payment of $ You are requesting to have the fees removed, the account closed, and your credit file updated to reflect no delinquencies I am happy to share my findings with youAfter a thorough review of the account, our records indicate a statement was issued to you on December 16, 2015, with a balance of $and a minimum payment of $due on January 11, A payment of $was received on January 1, 2016; thank you for this paymentOn January 16, 2016, a statement was issued to you with a balance of $and a minimum payment of $due on February 11, The $balance is comprised of $that remained plus a finance charge of $ A payment of $was received on January 20, 2016; thank you for this payment On February 14, 2016, a statement was issued to you with a balance of $and a minimum payment of $due on March 11, In accordance with our Credit Card Agreement (CCA), a finance charge will be assessed to the account when the full balance is not paid by the due date Enclosed is a copy of the CCA and the statements mentioned above for your recordsAlthough we found no billing errors on the Bank’s part, as a courtesy, credits totaling $have been applied to the account which will create a credit balance of $on the account A refund check in this amount will be mailed to you under separate cover Please allow to business days for the check to arrive Additionally, notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment history from your credit report, regarding the LANE BRYANT account Please allow the credit-reporting agencies days to update their records Per your request, the account was closed on April 26, We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Renee S***

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Ultamate Rewards Mastercard credit card We are here to answer your questions and assist with your concerns We understand from your complaint that you never applied for a credit card and when you contacted the fraud department to dispute the account, you were advised no account exists; however, there is still an open account on your credit reportYou are requesting the Bank close the account and clear it from your credit reportWe apologize for the inconvenience this matter may have caused you Bank records indicate that you are listed as an authorized user on the Ultamate Rewards Mastercard credit card as a spouseBecause you are listed as a spouse, the account will also report on your credit reportPlease be advised that authorized users have permission to make purchases on the account; however, the primary accountholder is responsible for the account, including payments and any purchases If you would like to be removed from the account as an authorized user, please contact us at ###-###-####We will be more than happy to assist you I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues Blair credit cardsWe are here to answer your questions and assist with your concerns We understand from your complaint that you purchased pants from Blair that did not fit due to them being the wrong size, and that you returned them before the date requiredYou state the Bank requested payment for merchandise that was no longer in your possessionYou would like to have the account balance clearedWe apologize for the inconvenience this matter may have caused you A purchase of $was applied to your account on September 1, The account billed on September 17, 2016, with a $balance, and a $minimum payment due by October 13, The required minimum payment was not received 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 On September 27, 2016, a credit of $was applied to your account and on October 26, 2016, an additional credit of $was applied to your account On February 26, 2017, we issued credits totaling $resulting in a zero balance Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies reported as a result of this matterPlease allow days for these agencies 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, Ashley H***

Consumer received requested payment from Zales

comenity bank continues to charge me for fraudulent charges to my credit card for goods or services that I never requested or receivedI have attempted to work this out with them to have these charges removed, but they refuse to abide by their policy of not charging customers for fraudulent activity on my credit cardI have attempted to contact the merchants involved but am continually disconnected when I call the merchant to discuss the fraudulent chargesThe merchants have spoken with a representative from comenity bank and claim to have sent me items that I know I have never received Regards, [redacted]

Dear Mr [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-noted account Comenity Capital Bank issues Overstock Store credit card accounts, and we are here to help answer all account-related questions Your complaint was forwarded to my attention for reviewI understand your concerns as indicated in your complaint, and I appreciate the opportunity to assist youAfter a thorough review of your account, Bank records indicate that the situation referenced in your complaint was also submitted to the Federal Deposit Insurance Corporation (FDIC) A response explaining our findings and resolution was provided on June 29, We have enclosed a copy of our response to the FDIC, for your records I hope you find this information helpful Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Kristina W***

This is not acceptable The company is not telling the entire truth When I received that credit in October it was only because your website was having problems and I was not able to log on and make a payment The website did not offer me any other options It simply did not work They credited the fee to me that first time because they knew it was THEIR mistake But it shouldn't count against me because it was THEIR mistake so it shouldn't be counted now! It's not my fault that the website didn't work before so if they offer a one time courtesy refund THIS should be itI want the entire amount credited to me, not $15.Regards, [redacted] ***

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the Century Department StoresC21STATUS (Century 21) credit cardWe are here to answer your questions and assist with yourconcerns.Your correspondence states you logged into your Century account online and made anelectronic payment to be withdrawn from your personal Chase accountThe payment wasprocessed on March 16, 2017, and you received a letter from the Bank on March 24, 2017, statingthe payment had been returned by Chase, but Chase refused to give you a letter stating thereturned payment was an errorOn April 1, 2017, you resubmitted payment and confirmed theChase account information was correctYou disagree with paying any fee because you paid ontime and you believe you had entered correct information.We have reviewed your concerns and would like to provide the following informationOn March16, 2017, you scheduled a web payment of $On March 22, 2017, your payment wasreturned by your bank, so on March 24, 2017, we sent you a letter advising you the payment hadbeen returned and that your account had been charged a returned payment feeThe letter alsoadvised that the account had been temporarily suspended since it was a newly-opened account.We apologize that the letter incorrectly stated your account had been assessed a returnedpayment feeA returned payment fee was NOT added to the account and this is documented onyour March statement which shows $under the “Fees” sectionThere have been nofees charged to this account in regard to the returned payment.On April 1, 2017, you updated your bank account information and scheduled a payment of$That payment has been processed with no issuesWe removed the temporarysuspension from your account on April 5, As such, you have again been able to makepurchases on the account since that date.As of the date of this letter, your account is current with a balance of $0.00.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alesa C***Compliance Dept– Consumer Responses

Dear [redacted] We have received your inquiry regarding a Comenity Capital Bank credit card accountComenity Capital Bank issues multiple credit card accounts, and we are here to help answer your account-related questionsYour correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your inquiry that you scheduled a payment to be debited from your bank account on July 21, 2015; however, you did not have sufficient funds to cover the payment and your bank account is now overdrawnYou are requesting that the Bank issue a refund in the amount of $Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:- Complete Account Number- Any Previous Names- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W [redacted]

Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Capital Bank previously issued the Lenovo Preferred credit cardWe are here to answer your questions and assist with your concerns We previously received and responded to your correspondence submitted to the Revdex.com regarding this same matterPlease find enclosed a copy of our response dated November 6, Additionally, we suggest that you contact Lenovo directly regarding the restocking fee I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com Enclosure

Dear [redacted] :Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the Haband credit cardWe are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence submitted, regarding this samematterPlease find enclosed a copy of our response sent to you on May 3, 2017.Bank records indicate your payment due date is the sixth of every monthThe Haband account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing periodPlease keep in mind that when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee, as explained in the Credit Card Agreement.As of the date of this letter your balance is $110.31.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responses

Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you We understand from your complaint that two purchases were applied to your HSN credit card account You state that you have been paying off the account slowly, due to the high interest rate, and that you cancelled your enrollment in Account Assure, due to the monthly fees that were assessed to the account Furthermore, you state that you recently noticed charges on the account which you were told was a result of not paying something off in a certain amount of time You are requesting a refund for the excessive charges and/or requesting the Bank close your account without reporting it on your credit file We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you After a thorough investigation, our records indicate on September 18, 2014, a purchase of $1,was applied to the account for a MacBook Air GHZ 1, and was placed on plan 441-1: a 9-month deferred interest payment required plan, due to expire on June 22, On June 22, 2015, the above-referenced promotional plan still had a balance due of $888.70; therefore, finance charges totaling $were assessed to the account On September 19, 2014, a purchase of $was applied to the account for a HPP Laptop 3YR Repair Plan, and was placed on plan 441-2: a 9-month deferred interest payment required plan, due to expire on June 23, On June 23, 2015, the above-referenced promotional plan still had a balance due of $183.60; therefore, finance charges totaling $were assessed to the account Please be advised, as agreed upon at the time of purchase, no interest would be assessed to the account should the balance of your promotional plans be paid in full as of the scheduled ending date Furthermore, information about your promotional plans was provided to you on your monthly billing statements in the “Details of your plans” section Specifically, accountholders are instructed that should a balance not be paid in full by the promotional plan end date, accrued finance charges dating back to the original date of purchase, will be assessed to the account On May 6, 2015, a purchase of $for DrHo’s Perfect Back was applied to the account, and on May 7, 2015, a purchase of $for Remedy Contoured Mem was applied to the account Please note, on June 9, 2015, the Bank received a credit of $for the returned DrHo’s Perfect Back Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax In addition, if the provided return label is used to return the package, the return label fee of $is deducted from the overall return Our records further indicate that you elected to enroll in Account Assure, an optional debt cancellation program on September 29, The monthly fee for Account Assure was based on the outstanding monthly balance of your HSN account each month The monthly fee was $per $of the outstanding balance If there was no balance at billing, there was no charge Please note your enrollment in Account Assure was cancelled on May 29, Comenity Capital Bank is required to report factual information to the national credit-reporting agencies; as such, we are unwilling to close the account without reporting it on your credit file Furthermore, the Bank regrettably denies your request for a refund of the finance charges applied to your HSN account However, in the interest of customer service, a credit of $was issued to the account for a previously assessed late fee As of the date of this letter, your account has a revolving balance of $1, Our records indicate that the annual percentage rate for revolving balances on your HSN credit card is 26.99% If there is a revolving balance on your account at the end of each billing cycle, finance charges will be assessed monthly, pursuant to the terms of the Credit Card Agreement (CCA) We hope you find this information to be helpful Should you have any further questions, or if you would like to close your HSN credit card account, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Lauren S [redacted]

We received your complaint, addressed to the Revdex.com, regarding the above notedaccountComenity Capital Bank issues [redacted] credit card accounts, and we respondto all account-related inquiriesYour correspondence was forwarded to my attention, and Iappreciate this opportunity to assist you.We understand your concerns regarding identity theft, and the account that was opened withoutyour permissionWe apologize for any inconvenience or frustration this situation may havecaused you.Please be assured that the documentation you provided has been received by our AccountProtection (Fraud) Team for investigationYour claim has been assigned fraud case number [redacted] -1, and your investigator is Lonnie M [redacted] The investigation may take up to days tobe completed, and you will be notified by mail of the outcome.We hope that this information is helpfulIf you have any further questions or concerns, pleasecontact our Account Protection (Fraud) Team at ###-###-#### (TDD/TTY ###-###-####)and refer to your case number [redacted] -They would be happy to assist you

Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues your Dental First Financing account, and we are here to assist with your account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your correspondence that you are receivingstatements from Comenity Capital Bank showing a balance and you are requesting a letter stating the account has been paid in full.Our records indicate that a charge was placed on your Dental First Financing account in the amount of $7,on April 20, This charge was placed on a month, 14.99% low Annual Percentage Rate (APR), promotional plan which was scheduled to expire on April 23, 2020.Your first statement was generated on May 6, 2015, showing a balance of $7,775.07, which included a finance charge of $54.07, and a minimum payment of $188.00, due by June 1, A statement was generated on June 5, 2015, showing a balance of $7,896.42, and a minimum payment of $due by July 1, Please be advised that the June statement included a late fee and finance charge totaling $ The late fee was added as no payment was received by the June 1, 2015, due date.On June 8, 2015, a payment in the amount of $was received and credited to your account A payment of $7,was also received and credited to your account on July 3, 2015.On July 6, 2015, a statement was generated showing a balance of $242.74, and a minimum payment of $due by August 1, Please be advised that the July statement included a late fee and finance charge totaling $ The late fee was added due to payments being received after the July 1, 2015, due dateOn August 6, 2015, a statement was generated showing a balance of $and a minimum payment of $due by September 1, The August statement included a late fee and finance charge totaling $39.66, as no payments were received by the August 1, 2015, due date.On August 10, 2015, credits totaling $were issued to your account for late fees that had been previously charged On September 5, 2015, a statement was generated showing a balance of $187.40, and no minimum payment was due.On October 2, 2015, a payment of $was received and applied to the account.On October 6, 2015, a statement was generated, showing a balance of $137.40, and a minimum payment of $due by November 1, 2015.Our records indicate that the remaining balance of $consists of finance charges In the interest of customer service, I have issued a credit for this amount As of the date of this letter, your balance is zero.We hope you find this information to be helpful Should you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely,Justina M [redacted]

The bank also reported to the credit reporting agencies that my account was over my limit Who does that? However, my account was over the limit because they failed to post my payment in a timely manner I contacted them on this issue and received no responseThank you., [redacted] [redacted]

To Whom it may Concern, Our Overstock Store Card is provided by Commenity BankAs they are the Financial Institution for a few hundred other companiesMrs [redacted] has not contacted Overstock regarding this issueShe can contact Commenity Bank with the provided information below:Customers can contact a Comenity Capital Bank Customer Care Representative at ###-###-####Representatives are available Monday-Saturday, 8:AM – 9:PM EST, closed Sundays and major holidays.Sincerly, Overstock

Dear Ms [redacted] We received a complaint from you, addressed to the Revdex.com, regarding theabove-mentioned accountCornenity Capital Bank issues Lenovo- credit cards, and we are hereto help with all account-related questionsYour correspondence was forwarded to my attention,and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you made a purchase for one laptop from Lenovolu andwhen you received your billing statement you noticed that you were charged twiceYou contactedcustomer service and you were advised that the additional charge was an authorization chargeand that it would fall off your account in daysWe understand that the duplicate charge isimpacting your credit scoreYou are requesting that the Bank update your account balance toreflect one charge of $and update the balance on your account with the credit-reportingagenciesWe would like to apologize for any inconvenience this matter may have caused you.We have contacted Lenovo on your behalf regarding the duplicate purchase for $552.49, chargedon August 25, Please be advised that credit totaling $was issued to your accounton October 6, The balance on your account is $502.49.While we investigated this matter, we issued your account a temporary credit, which appears onyour billing statement as a "provisional credit"On your next statement, the provisional credit willbe removed.Please be assured that notification has been sent to the national credit-reporting agencies toadvise the correct account balance as of the September 8, 2016, bill date was $Pleaseallow the credit-reporting agencies days to update their records.Additionally, when we contacted Lenovo, we asked about the information you were providedregarding the "authorization charge" and then an additional charge once the item is shippedWeapologize if this information was rniscornmunicated to youLenovo provided the followinginformation regarding their credit card authorization process: During checkout, Lenovo willrequest a pre-authorization for the total order amount from your credit card company, this is notan actual chargeOnce your order ships, your credit card will be chargedIf you ordered morethan one item, there may be multiple charges as items ship separately as they become available.This will not increase your shipping chargesAt times, we may have to re-authorize your creditcard for the unshipped amountThis may result in a duplicate authorization that will be releasedaccording to your banks authorization hold policyAgain, this is a hold on the funds, not an actualcharge.The double charge on your account was an error, not the result of an authorization charge.We hope that you find this information helpfulShould you have any other questions or concernsregarding this account, please feel free to contact me at ###-###-#### ext [redacted] (TDD/TTY###-###-####)I will be happy to assist you.Sincerely, [redacted]

Dear [redacted] 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 requested to unlink your PayPal Credit account from yourPayPal account so it could be linked with a different PayPal accountYou state youwere told your request was completed, but the accounts remained linkedYou arerequesting a statement credit and to have your PayPal Credit account unlinked fromyour PayPal account with the email address [redacted] and linked toyour PayPal account with the email address [redacted] .PayPalls records reflect you called PayPal Credit on June 10, 2015, requesting to unlinkyour PayPal Credit account from your PayPal accountDuring this call, therepresentative submitted your requestYou were also advised that after the accountswere unlinked, you could link your account to a different PayPal account by visitingwww.paypalcredit.com and selecting the option to link your accountsTherepresentative recommended you wait to use your PayPal Credit account for purchasesthrough PayPal until your PayPal account was successfully unlinked.PayPal Credit's records indicate your PayPal Credit account was successfully unlinkedfrom your PayPal account on July 01, However, on July 3, 2015, you made apurchase using your PayPal account with the email address [redacted] to make a purchase and selected PayPal Credit as yourfunding sourceThis caused your accounts to link againPayPal Credit apologizes forany confusion or miscommunication.Upon receipt of your complaint, PayPal Credit unlinked your PayPal Credit account fromyour PayPal account, per your requestTo link your PayPal Credit account to anotherPayPal account, you can visit www.paypalcredit.com and click "Link." You can also linkyour accounts by logging into your PayPal account during checkout and choosingPayPal Credit as your payment methodPlease be sure to enter the login details for thePayPal account you want linked with your PayPal Credit account.PayPal Credit is unable to honor your request for a statement creditAs stated above,the accounts were successfully unlinked on July 1, As of August 6, 2015, yourAccount is open with a balance of $3,and a minimum payment requirement of$due by August 15, 2015.We hope this letter explains and resolves this matter.Sincerely,Patricia L [redacted]

Dear Mr [redacted] We received your complaint, addressed to theRevdex.com Comenity CapitalBank issues multiple retail credit card accounts, and we respond toaccount-related questions Your complaintwas forwarded to my attention, and I appreciate the opportunity to respond toyour concerns.Please accept our apology for any frustrationyou may have experienced regarding the decrease in the credit limit on youraccount.After a thorough review of our records, weare unable to locate an account using the information provided We are unable to resolve this matter withouthaving additional information to research your concerns Please provide the following information:The complete account number if applicable Socialsecurity numberAnyprevious addressesTelephonenumbers as listed on the accountAnyprevious names This information may be mailed to myattention at the address listed above, or faxed to ###-###-#### Once this information is received, we shouldbe able to locate the account and further research your concerns We hope this information is helpful Should you have any other questions orconcerns regarding this letter, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, [redacted] Consumer Relations Specialist

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 you placed one order with Haband and sent a check with it You further state that although you were sent an ad for a credit card, you did not want a credit card and you threw away the offer; however, you started to receive billing statements You are requesting for the billing statements to stop, and for your name to be taken off the mailing list We sincerely apologize for any inconvenience or frustration 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 March 8, 2015, in the name of [redacted] *** This account was opened when you contacted Haband to place an order by telephone You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness.At the time the order was placed, you would have been asked if you were interested in opening a Haband account, based on the pre-approved credit offer The account was opened, and a purchase of $was placed This purchase consisted of four pairs of knit slacks Also on March 8, 2015, you were presented with an opportunity to accept the Haband VIP Plus membership offer 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 consumer 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.Please be assured, your Haband VIP Plus membership was cancelled on June 18, 2015, and the account has been credited for the membership charges that were applied to the account.The Bank issued additional credits totaling $to remove the previously assessed late fees and finance charges Your account balance, as of today’s date, is zero.Per your request, we have removed your name from all direct mailings Please allow 4-weeks for mailings to cease As you are stating that you did not want a credit card, and that you threw out the ad that was sent to you, in the interest of customer service, we sent notification to the national credit-reporting agencies with instruction to have the account deleted from your credit bureau report Please allow days for the information to be updated in their records.You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-#### You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you