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Reviews Comenity Capital Bank

Comenity Capital Bank Reviews (1308)

Dear MrMcCracken: We received your correspondence sent to the Revdex.com regarding PayPal Credit, which was forwarded to Comenity Capital BankThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, IncPayPal Credit is a
payment option made available by many merchants to their customers. It is important to note that PayPal and PaylPal Credit are separate entitiesAlthough PayPal Credit is an available payment option for certain PayPal purchases, PayPal Credit remains separate from your PayPal account; however, customers can access and manage both through their PayPal account. Your correspondence states you have been unable to use your PayPal Credit account. You state PayPal advised you that your transaction was declined because you had not used the account beforeHowever, you indicate you previously made a purchase with your PayPal Credit account through Wyndham and have since paid this transaction in full. You are dissatisfied that your credit was pulled to open this account and you have been unable to use it after your initial purchaseYou state you were advised the denial could be overridden if you could provide your cousin’s date of birth; however, you did not have this informationYou further state you were advised to link your credit card and bank account to PayPal, and you may be able to use PayPal Credit in the futureYou are requesting the ability to use your PayPal Credit account for purchases. PayPal Credit's records reflect that your PayPal Credit account was opened on June 27, 2016, with a purchase of $through Wyndham Vacation ResortsOn November 2, 2016, you paid your balance in full and linked your PayPal Credit account to your PayPal account as a funding source. Upon receipt of your correspondence, PayPal Credit confirmed between November 25, 2016, and November 27, 2016, you attempted multiple transactions with your PayPal account; however, your PayPal Credit account was unavailable due to PayPal security measuresPlease note, per the PayPal User Agreement, in order to manage risk, PayPal may limit the payment methods available for a transactionPlease contact PayPal directly at 866-972-for additional information regarding payment method limitations. On November 27, 2016, you called PayPal Credit and stated you were unable to use your accountThe representative you spoke with stated PayPal Credit could be used for the transaction if a series of security questions were answeredFor the safety and security of both your identity and your account, we regularly monitor transactions for possible suspicious activityTo clear any possible suspicious activity we ask a series of multiple choice questions pulled from various public recordsThese questions have no association with your PayPal or PayPal Credit accountsYou were asked to provide the date of birth of a relative; however, this question was not correctly answered and the representative was unable to manually approve the transactionDuring this call, you were advised you may be more likely to be able to use your PayPal Credit account after you established a transactional history on your PayPal accountThe representative advised PayPal Credit would be unavailable for this purchase and suggested you use an alternate funding source or attempt the transaction at a later time. In reference to your purchase dated June 27, 2016, please note that this purchase was made directly through Wyndham and your PayPal account was not used for the transactionIt is also important to note, although PayPal limited your ability to use PayPal Credit for multiple purchase attempts, your transactions were not declined by PayPal Credit. On November 28, 2016, a PayPal purchase through Walmart in the amount of $136.74 successfully posted to your PayPal Credit accountThis transaction appears on your statement dated December 2, As of December 9, 2016, your account is open, with a balance of $136.74. We hope this letter explains and resolves this matter. Sincerely, ***

Dear Mr*** We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues GEM credit cards, and we are here to help with all account-related questions. Your
correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding the outstanding balance on the above-mentioned account and that you would like to be placed on an agreeable repayment plan with the late fees voided and a lower interest rate; also, you would like for your account to be brought back from closed/charged off status. We would like to apologize for any inconvenience this issue may have caused you. Please find a summary of your GEM Account below. I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balance and delinquencies which are reporting to the credit bureaus The GEM Account was opened on May 20, 2014; use of the account or failure to close the account within days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and late fees. The last purchase of $was made on December 16, 2014. The last payment of $100.00 was received on September 23, 2015. Our records indicate that the GEM Account exceeded six consecutive billing periods past due, it was permanently closed, and reported to the national credit-reporting agencies as an unpaid debt on September 14, 2015, with a balance of $1,685.92. This information could remain on your credit bureau report for a period of seven to ten years. Comenity Bank believes inreporting factual information to the national credit-reporting agencies. We have reviewed your account and we find that the information reported is correct; as such, we are unable to remove any delinquencies or change the status of your account. We strongly encourage you to contact Mr. Fields in our Recovery Department at 1-888-788-2195, ext1246135 to discuss suitable payment arrangements for the remaining $1,585.92. We hope that you find this information helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at 1-800-675-5685, ext(TDD/TTY 1-888-819-1918). I will be happy to assist you. Sincerely,Ashley H***
*** *** ***

Comenity Bank is refusing to listen to "common sense"; I.eNot paying for services I am not gettingIt was made perfectly clear in my initial complaint why I am not receiving services from Hair Club For MenComenity Bank must follow up with *** *** the *** *** of Hair Club who oversees the San Jose California branch, who is in total agreement with my actions in this matterI have already paid a substantial amount of money towards this loan; Comenity Bank has already made a profit off of meRefund or not, I will NOT pay any more on this loanWhat is the logic in paying for services I am unable to receive? This is where Comenity Bank is refusing to listen, and likely why they have received thousands of Revdex.com complaints over recent yearsThey also continue to harass me with several calls a week.Regards, *** ***

I reviewed the response made by the business in reference to complaint ID 12857159, and find the resolution is satisfactory to me
Regards,
Morris M***

We received the correspondence you sent to the Revdex.com (Revdex.com) regarding PayPalCreditThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by BillMe Later, IncPayPal Credit is a payment option made available by many merchants to theircustomers.Your correspondence states your PayPal dispute was decided in the seller’s favor for the entireinvoice amount; however, your purchase was missing two itemsYou are requesting a partial refundof $for the missing items.PayPal Credit researched your account and confirmed you submitted a dispute to PayPal onJanuary 7, 2017, because your December 12, 2017, purchase of $from the PayPal merchant*** was not receivedThe same day you submitted your dispute, you were sent anemail from PayPal acknowledging the claim you filed for not receiving your purchaseYour disputewas denied on March 1, 2017, and PayPal sent you an email advising your dispute was found in themerchant’s favor for the following reason, “[w]e received shipment tracking from the merchantconfirming that the merchandise was delivered.” As a result, PayPal was unable to process a refundto your PayPal Credit account and the case was closed.Upon receipt of your correspondence, PayPal Credit reached out to PayPal and reopened yourdisputeBecause you state you received part of your purchase, the dispute reason was changedfrom “Item Not Received”, to “Significantly Not As Described”On March 15, 2017, PayPal sent youan email explaining the merchant has ten days to provide the requested information and you will beinformed if additional information is neededFor further information regarding your dispute, pleasecontact PayPal directly at ###-###-####As of March 17, 2017, your account is open with a balanceof $34.05.We hope this letter explains and resolves this matter.Sincerely,

Dear *** *** Thank you for contacting Comenity Capital Bank, regarding the above-referenced account. As the bank that issues GameStop PowerUp Rewards™ credit card accounts, we are here to assist with all account-related questions. Your complaint was forwarded to
my attention for review, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you received a billing statement in the mail for a GameStop PowerUp Rewards™ credit card account in the amount of $1,015.19. You state that you have never been a GameStop PowerUp Rewards™ member, and that you made no such charges. You are requesting the Bank stop sending your billing statements and contact you regarding this matter. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused. Thank you for taking the time to speak with my on June 11, 2015, regarding this matter. As a follto our conversation, our records indicate on June 6, 2015, a Statement of Fraud and Forgery (SOFF), was mailed to the address listed at the top of this letter. To further investigate your fraud claim, please complete the form in blue or black ink and return it to our Account Protection team. For your convenience, we have enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal Trade Commission. The SOFF or affidavit may not be returned by email or fax; it must be mailed to us at the following address. *** *** ***
*** *** ***
** *** ***
*** ** *** Our investigation will begin once the SOFF or affidavit and/or police report are returned and processed. Please return the completed document to our office within days. If we do not receive the completed SOFF document, we will assume that you do not wish to pursue this fraud claim and that you are accepting full responsibility for the account and the transactions. Please be advised that once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter to provide you with the case number. Investigations may take up to 60-days to be completed, at which time written notification will be sent. 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. If you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *** *** Consumer Relations Specialist

Dear *** ** ***: Comenity Bank (Bank) received your correspondence regarding the above-referenced accounts. Comenity Bank issues the LOVELOFT and LOVELOFT Mastercard credit cardsWe are here to answer your questions and assist with your concerns. Your correspondence
indicates you were advised by a store associate the rewards card was being discontinued and you had to sign up for the new LOVELOFT Mastercard because of the new chip security featureThe private label (rewards) credit card was shredded; however, charges were made on both cards, and you never received a statement for the LOVELOFT Mastercard accountYou believe the Bank is charging customers finance charges and late fees without ever sending a billing statementYou discovered there was a balance on the account when you started receiving multiple phone calls from the BankYou state the calls were from a restricted number and no message was leftYou spent over an hour on the phone with the Bank trying to reach a resolution, but when you requested a complaint number and contact information, you were placed on hold and hung up onAdditionally, you state you had to set up a new online account to access the statements for the LOVELOFT Mastercard account and noticed there are two identical websites for the LOVELOFT private label and LOVELOFT Mastercard accountsYou requested for the LOVELOFT Mastercard account to be cancelled because the Bank has no system to follow up on complaints, you requested a resolution in writing but did not receive anything, and your concerns have not been resolved. Please note Comenity Bank and LOVELOFT are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountLOVELOFT is responsible for handling matters related to sales, merchandise processing, returns and shipping. We reviewed the concerns noted in your correspondence and would like to provide you with the following informationYour LOVELOFT private label credit card account was opened August 10, The last purchase of $was made on December 5, 2016, and the last payment of $was received by the Bank on December 16, 2016, which paid off the balance on the accountOn December 19, 2016, your LOVELOFT private label credit card account was consolidated with your LOVELOFT Mastercard account and the private label account was closed. This card is issued by Comenity Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Your LOVELOFT Mastercard account was opened on December 4, On that same day, a purchase in the amount of $was made on the accountThree additional purchases ($64.89 on December 20, 2016, $on January 12, 2017, and $on January 28, 2017) were made, and a return in the amount of $posted to the account on February 4, No payments were received by the Bank by the February 6, 2017, due datePlease 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 and finance charges, as explained in the Credit Card Agreement. When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current statusWhile the Bank sometimes leaves messages, we find it most beneficial to speak directly with customers to discuss payment options. Additionally, when we secure new telephone numbers used to place calls to our customers, we request the local telephone service providers update the caller ID associated with the previous number to display “Comenity Bank”Additional numbers added to our automated dialing system may not display as requested if the local service providers do not update their caller ID informationDepending on the location of accountholders and the diligence of their local telephone service providers to update the caller ID display information, the information may not immediately reflect what we request. On February 21, 2017, we contacted you regarding the past due balance on your LOVELOFT Mastercard accountDuring this phone conversation, you explained to the associate you did not receive a statement for the account, and as a courtesy, the associate credited $for the late fee that was assessed to the account on the February billing cycleThe associate also credited the associated finance charge ($5.20); however, only a portion of the finance charge credit ($.11) posted to your accountOn March 8, 2017, the remaining finance charge credit of $was applied to your accountThis credit resulted in a credit balance of $on the account, and on March 10, 2017, we issued a refund check for this amountPlease allow up to business days to receive the check, which will be mailed to the address at the top of this letter separately from this correspondenceAdditionally, during the phone conversation, the associate updated your phone number ending in *** with “Do not Call” instructions. Upon receipt of your correspondence we reviewed the above-referenced telephone call and determined you ended the call after you were put on hold while the associate was locating a phone number for youWe were not able to locate any instances where an associate hung up the phone on you during a conversation or while you were on hold. In response to your statement regarding being told the LOVELOFT private label (rewards) card was discontinued and you had to sign up for the new LOVELOFT Mastercard, as stated above, Comenity Capital Bank and LOVELOFT are two separate entitiesAs such, we are not able to directly respond to the conversation that took place between you and the store associate; however, we sincerely apologize if you were given incorrect informationWe have escalated your concerns to our business partners so the appropriate coaching can be conducted to avoid recurrence. In regard to not receiving billing statements for the LOVELOFT Mastercard credit card account, the January and February billing statements were mailed to the address listed at the top of this letter, which has been on both the LOVELOFT private label and LOVELOFT Mastercard accounts since the accounts were openedWe have not received returned mail for your account. Additionally, your LOVELOFT Mastercard account was registered through our online Account Center website on February 21, As such, monthly statement ready emails will be sent to the email address on file, ***, when your billing statements are available to be viewed online. With respect to your statement regarding the similarities between the online Account Center websites for the LOVELOFT private label account and the LOVELOFT Mastercard account, we appreciate your feedback and have forwarded your comments to management for consideration for future enhancementsWe apologize for any confusion or frustration you may have experienced while accessing the Account Center websites. Finally, in response to your statement regarding the Bank not having a system to follow up on complaints and not receiving a resolution in writing, we apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metPlease be assured, we have escalated your concerns to the appropriate business partners at the Bank; however, if you wish to communicate your concerns directly to the LOVELOFT corporation, please send written correspondence to the address below: *** ***
*** *** ***
*** *** ** *** As of the date of this letter, your LOVELOFT Mastercard account has a zero balance and was closed per your request on February 21, 2017. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Jessica A***

I am rejecting this response because:Payment you say was late was not...I did stop paying you after you put me into collections which is not part of this original complaintThe complaint I have is about my purchases on flexpay.....I did not want another option for flexpay as is why I entered flexpay to begin with.....I called HSN and they directed me to you...I am contacting regarding the account not the statements I stopped paying because of the collectionsI want the matter resolved....will continue to pay the card once resolvedI went into flexpay on agreement that they be charged monthly which was not followed up upon....If it is true I was late one payment and limit was decreased then the limit should be reinstated after ONE late....I was told I was allowed to be forgiven one time which is what your representatives told me....your lowering the limit caused the whole issue with my flexpays not being collected and hence into collections as I wanted to use the card to do the flexpays.
Regards,
*** ***

Dear *** ***We received the correspondence you sent to the Revdex.com (Revdex.com) regarding PayPalCreditThe PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill MeLater, IncPayPal Credit is a payment option made available by many merchants to
theircustomers.Your correspondence states you did not receive your Ulta cosmetics purchase of $Youcontacted Ulta, but they advised the order was deliveredYou attempted to resolve the issue withPayPal, but your disputes were deniedYou are requesting a refund of $.OO for the disputedpurchase.PayPal Credit reviewed the concerns noted in your correspondence and would like to provide youwith the following informationA review of PayPal Credit's records show a purchase of $401.25from PayPal merchant *** posted to your account on November 30, OnDecember 3, 2016, you filed a dispute for this purchase, stating you did not receive themerchandiseThat same day, you were sent an email confirming your dispute was received andyou would be notified of the result of the investigation within ninety daysYou were sent a secondemail, also on December 3, 2016, explaining additional information was requested from themerchant regarding your claimYou were advised the merchant had up to ten days to provide therequested information and upon receipt of this material, you would be contacted again.On January 20, 7, PayPal sent you an email advising your dispute was found in the merchant'sfavor for the following reason, "[wle received shipment tracking from the merchant confirming thatthe merchandise was delivered." As a result, PayPal was unable to process a refund and the casewas closedA second email was sent to you on February 6, 2017, again advising your disputehas been denied and you remain responsible for the balance on your accountPayPal Creditconfirmed the package was delivered on December I , 2016, at 10:am at the front door (UPStracking number ***Please note, it appears UPS utilized the United StatesPostal Service (USPS) for the actual delivery of your packageAdditionally, PayPal Credit'srecords show you made other purchases the same day, and following day with UltaPayPal Credithas not received any indication from you that those packages were also not received.In order to further research your dispute, additional information is requiredThis information mayinclude records of your attempts to resolve the issue with the merchant and any other supportingdocumentationPlease submit this documentation within days in order for it to be added toyour caseYou may fax the documentation to ###-###-#### or mail it to the following address:PayPal CreditAttn: Executive EscalationsP.OBox 5018Timonium, MD 21094Additionally, if you wish to further dispute the delivery of this purchase, you will need to file a claimdirectly with the USPS or your local post office for missing mailThe USPS tracking number usedwas ***Please note, the USPS recycles tracking numbers andcurrent information for that tracking number does not reflect your package delivery.As of March 8, 2017, your account is open with a balance of $3,185.57We hope this letter explains and resolves this matter.Sincerely,Jgssica A***

Dear Ms*** We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues J.Jill 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 concerns. We understand from your complaint that you previously had a J.Jill account that was closed and paid off in April 2014. While visiting your local store you were told they were opening a new account for you. At that time you made a purchase in the amount of $on May 14, 2015. On June 2, 2015, you returned some of the merchandise in the amount of $45.27; somehow the purchase and return were applied to the closed account ending in *** You state that you placed a call to Comenity Capital Bank requesting that the purchase and the return are were to be transferred to your new account ending in ***. You state during these calls you were assured that the transfer were complete and now you have a balance over $1000.00. You are requesting the balance reflect the correct balance of $307.70. I am happy to share my findings with you. Please be assured that I listened to the call in question. During the conversation you were advised that you had scheduled a payment of $to be applied to the old account ending in ***, at that time the Bank representative advised you that she would send you a refund check in this amount and after all transfers were completed the balance on the new account ending in *** would be $348.62. After a thorough review of the account, our records indicate that the transfers were incorrectly completed. Please be assured that the transfers have been corrected and we passed the information regarding the incorrect transfers, to management for review. As of the date of this letter, the balance on the new account ending in *** is $and the balance on the closed account ending in *** is zero. 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 accounts, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, *
*** *** Consumer Relations Specialist

Dear *** ***We received your additional correspondence, which was forwarded to Comenity Bank from the Revdex.com, regarding the above-noted accountComenity Bank issues the VICTORIA’S SECRET credit cardWe are here to answer your questions and assist with your concerns.We understand from your correspondence, that you would like to continue paying what you can, and you would like the collection telephone calls to stopPlease accept our apology for the frustration you have experienced.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 is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful.However, please be assured that a "cease and desist" status has been placed on your accountThis cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on your account since we will be unable to contact youYou will continue to receive certain legal communications as permitted by lawYour request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:*** ***
*** *** ***
*** ** ***This letter is for informational purposes to respond to your inquiry and is not an attempt to collect on this balance.As previously explained, when payments are not received, received after the due date, or are made for less than the minimum required, the account may be assessed a late fee, as explained in the Credit Card Agreement.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 customer with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call ###-###-####.In addition, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs include lowering the interest reateand the minimum payment requirements, and would include all of your creditorsComenity Bank supports and participates in the programs provided by CCCS.Should you wish to obtain information regarding their programs and for a CCCS organization located near to you, please contact their national office toll free 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,*** ***

We received a complaint, addressed to the Revdex.com, regarding the above-mentioned account. Comenity Capital Bank issues GARDNER-WHITE FURNITURE credit cards, and we are here to help with all account-related questions. The correspondence was forwarded to my attention, and
I appreciate the opportunity to respond We understand from the complaint that your payment is due on the tenth of every month and you have a great payment history. When you looked at your statement you were charged a $late fee for paying after the cutoff time. You also state that you were not satisfied with the level of customer service your wife was provided while speaking with the Bank. You are requesting that the late fee be reversed. We apologize for any inconvenience this matter may have caused you Please be advised, that payments must be made by the payment due date and before 6:00pm ET, if payments are being mailed. If your payment is being made online or by phone, payments must be made by 8:00pm ET. For additional information regarding cutoff times, please refer to page of your billing statements Although your payment of $was made after the cutoff time on your due date, as one-time courtesy we are willing to remove the $late fee that was previously assessed to your account. This adjustment will appear on your next billing statement, along with a finance charge credit of $ We understand that you were dissatisfied with the service your wife received while speaking with our associate. We have reviewed the concerns in your correspondence as well as the applicable telephone conversation. We apologize if your wife felt she did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met We hope you find this information helpful. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you Sincerely, Ashley H*** Consumer Relations Specialist CC: Revdex.com

Dear *** *** We received the complaint that you sent to the Revdex.com, regarding the above-noted account. Comenity Capital Bank issues HSN credit card accounts, and we are here to help with your account-related questions. Your complaint was forwarded to
my attention, and I appreciate the opportunity to address your concerns We understand your concerns as explained in your correspondence You state you purchased a TV a year ago with flex pay, and months no interest until June 2, 2016. You paid the purchase off and were advised you had another flex pay promotional balance of $423.00, for a Bose system that you returned in May. You were advised that there was still a balance and you were being charged for payments; as you were charged for two promotional balances for the Bose system and TV. In addition, you have spoken to representatives, supervisors and HSN representatives who state you don't have a flex pay or Bose system. Additionally, the Bank’s website shows the same information. You requested to have no more flex pays showing, no promotional balances showing, and any money that was taken from or added to your account should be fixed and credited back to you. We appreciate you contacting Comenity Capital Bank regarding your concerns and we apologize for the inconvenience this may have caused you Our records indicate the account was charged $for one TV, on July 16, 2015; with 12-months deferment, no interest until July 16, 2016, and is listed as plan 448-1. On April 15, 2016, the account was charged $for one Bose system; with 9-months deferment, no interest until January 17, 2017, listed as plan 454-1. On May 9, 2016, a return in the amount of $414.00, for the Bose system was applied to the account and was credited to your revolving balance On July 2, 2016, we received a payment of $and applied $to plan number 448-and $to your revolving balance. We recently discovered that the return for the Bose system was incorrectly applied to your revolving balance in error. Please be advised, on July 12, 2016, we removed the remaining promotional balance from revolving and applied it to plan 454-1. As of the date of this letter, the balance on the above-referenced HSN credit card account is $ We hope you find this information helpful. Should you have any further questions or concerns, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Tionna M***

Dear *** *** We have received an additional complaint regarding the above-referenced accountComenity Capital Bank issues Lending Club Patient Solutions credit accounts, and we are here to help with your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. In your complaint, you state that you have been making payments on your account; however, your balance is not decreasingYou further state that in June 2016, your balance was $2,and that based on your calculations, the balance on your account should be $2,351.41, and you are request we update your account to reflect this balanceWe apologize for any frustration or inconvenience this situation may have caused you. Our records indicate that on December 8, 2014, a purchase of $4,posted to your account, and was placed on an 18-month deferred interest, payment required plan that expired on June 10, For purchases on these plans, the customer is required to make the 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”. Bank records further show that on May 24, 2016, a statement was issued to you showing a balance of $1,966.00, with a minimum payment of $79.00, due by June 19, Furthermore, under the heading “details of your plans”, it stated the balance of $1,needed to be paid in full by June 10, As a result of that balance not being paid in full, the accrued finance charge of $1,was assessed to your account and the remaining promotional balance of $1,was moved to revolving, which is subject to normal monthly finance chargesTo avoid finance charges, your account balance would need to be paid in full. Comenity Capital Bank has not found any billing errorsPlease be advised that as of the date of this letter, your account balance is $2,672.16. We hope the information provided is helpfulShould you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext*** *TDD/TTY ***I would be happy to assist you. Sincerely, Jenny W***

[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 11954759, and find the resolution is
satisfactory to meI plan to reply, in kind, to the letter from Comenity Bank, and to Ms*** ***, the author of the aforementioned letter.I would like to add one minor detail, for my own satisfactionThere is no mention of the fact that the postmark, and mailing of the original billing statement and payment was made a full days before the due date on the account.Thank you for your kind attention
Regards,
*** ***

I HSN and I proved the proof of the returned items from their own computer printout and billing statements which I forwarded to Comenity Bank who was billing me constantly, saying HSN was stating they did not get it back when their own statements show they did in fact get it back. I was not able to answer any sooner as I have been n the hospital with my kidneys shutting down. I can send the proof again, if need beHSN customer service guy thought it was funny, as I assume you don't take it seriously either. I will then take it to consumer court as Legal Aid has suggested. I did not keep any of the boxes you HSN sent or you billed for Whether you say you are separate companies or not you are both responsible as you represented them in billing for what I did not have and told them to stop sending
Regards,
*** ***

I reviewed the response made by the business in reference to complaint ID ***, and will wait for a further response from Comenity

Dear *** *** We received your complaint sent to the Revdex.com, regarding the above-noted application. Comenity Bank issues Talbots creditcard accounts, and we are here to help answer your application and account-related questions. Your complaint was
forwarded to my attention, and I appreciate the opportunity to address your concerns. We understand your concerns regarding the Talbots application submitted in your name, and that youhave a fraud alert listed on your credit report. You request that the questions asked tofurther process your application be modified In addition, when the Bank’s representatives contactedyou they were unable to pronounce your full name correctly. Bank records indicate that you have a fraud alert listed on your credit file Therefore, questions are asked as an additional level of security to protect your personal information. The questions are randomly presented based on public record, and weare unable to modify the questions. Please be assured if the bank is unable to verify your identity, we will be unable to approve theapplication. We appreciate your business, and if you would like to reapply for a Talbots credit card account inthe future, please allow at least days from the date you last applied. It is never our intention to cause a customera hardship, and we sincerely apologize that your name may have beenmispronounced and for any inconvenience you were caused. Wehope this information is helpful. Shouldyou have any further questions or concerns regarding this letter, pleasecontact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####); Iwill be happy to assist you.Sincerely,Tionna M***
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Dear *** *** We received the correspondence you sent to the Revdex.com (Revdex.com) regarding PayPal CreditThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, IncPayPal Credit is a payment option made available by many
merchants to their customers. Your correspondence states your PayPal dispute was decided in the seller’s favor for the entire invoice amount; however, your purchase was missing two itemsYou are requesting a partial refund of $for the missing items. PayPal Credit researched your account and confirmed you submitted a dispute to PayPal on January 7, 2017, because your December 12, 2017, purchase of $from the PayPal merchant *** was not receivedThe same day you submitted your dispute, you were sent an email from PayPal acknowledging the claim you filed for not receiving your purchaseYour dispute was denied on March 1, 2017, and PayPal sent you an email advising your dispute was found in the merchant’s favor for the following reason, “[w]e received shipment tracking from the merchant confirming that the merchandise was delivered.” As a result, PayPal was unable to process a refund to your PayPal Credit account and the case was closed. Upon receipt of your correspondence, PayPal Credit reached out to PayPal and reopened your disputeBecause you state you received part of your purchase, the dispute reason was changed from “Item Not Received”, to “Significantly Not As Described”On March 15, 2017, PayPal sent you an email explaining the merchant has ten days to provide the requested information and you will be informed if additional information is neededFor further information regarding your dispute, please contact PayPal directly at ###-###-####As of March 17, 2017, your account is open with a balance of $34.05. We hope this letter explains and resolves this matter. Sincerely, Jennifer P***

The hard inquiries for Fuel Reward Network and Pottery Barn are still on my EXPERIAN credit report as of today, October 20th The Meijer inquiry was removed and coded as soft pulls? I am asking that the Fuel Reward Network and Pottery barn inquiries be removed

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Address: 3100 Easton Square Place, Columbus, Ohio, United States, 43219

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