Comenity Capital Bank

We received the correspondence you sent to the Revdex.com regardingPayPal CreditYour correspondence was forwarded to Comenity Capital BankThePayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill MeLater, IncPayPal Credit is a payment option made
available by many merchants to theircustomers.Your correspondence indicates you received a billing statement reflecting a balance fora PayPal credit account; however, you did not authorize a PayPal Credit application andhave no record of an accountYou state when you purchased items using your PayPalaccount in the past, the payments were deducted directly from your checking account.You called PayPal Credit to submit a payment for the purchase, but were advised youcould not pay with a credit cardYou state the PayPal Credit account was opened withoutyour consent and you want the account cancelled.PayPal Credit's records reflect your PayPal Credit account was opened on August 18,2014, through the PayPal website after you opened a PayPal accountWhen a consumeris presented with an opportunity to apply for a PayPal Credit account while creating theirPayPal account, there are several affirmative actions a consumer must take.First, in order for an application to process with PayPal Credit and an account to beopened, the consumer must provide their name, date of birth, billing address, phonenumber, and social security numberSecond, the consumer must affirmatively agree toE-Sign Consent and to be presented with the Terms and Conditions and other importantdisclosures electronically, which requires you click "Agree and Continue."You then have to affirmatively accept the electronically presented Terms and Conditionsby clicking "Agree and Apply." The first line of the Terms and Conditions provided to youduring the application process states, "PayPal Credit is an open-end credit plan offeredby Comenity Capital Bank (the "Lender")." This immediately informs a consumer they areapplying for a line of creditPlease note, at any point during the application process aconsumer has the option to cancel the applicationA PayPal account holder is neverrequired to open a PayPal Credit account.PayPal Credit is primarily an internet based payment method wherein the creditapplication occurs online and is generally utilized for internet based transactionsAs partof the application process, you would have received and consented to the PayPal CreditE Sign Consent, which states, "By checking the "I agree to have the Terms and Conditionspresented electronically," which you hereby adopt as your electronic signature.Yourelectronic signature on agreements and documents has the same effect as if you signedthem in ink." As a result, PayPal Credit does not have copies of physical applications orsignatures and does not issue physical cards.On October 11, 2016, a purchase of $from ICDSOFT posted to your account.Purchases made using your PayPal account are not automatically diverted to a PayPalCredit accountUpon checkout, a customer is provided with their available fundingoptions within their PayPal accountUnless a customer logs into their PayPal accountand actively selects a preferred payment option, the PayPal hierarchy for funding sourceswill applyPer the PayPal User Agreement, the hierarchy is as follows:PayPal Balance2, Instant Transfer from your Bank AccountPayPal CreditPayPal CardsDebit cardCredit cardeCheckUpon receipt of your complaint, PayPal Credit confirmed that at the time of your purchase,you did not have a PayPal balance and you did not have a bank account linked to yourPayPal accountTherefore, per the hierarchy, PayPal Credit was shown as your firstavailable funding sourceAfter your payment method is selected, the next screen, titled'Confirm Your Payment,' allows you to review your method of payment and finalize beforecompleting your transactionIf you do not wish to utilize PayPal Credit, you always havethe option to choose one of your other available payment methods.On November 7, 2016, you called PayPal Credit and closed your accountDuring thiscall, you also requested to submit payment with your credit card; however, you wereadvised that PayPal Credit does not accept credit cards as a form of payment.On December 5,2016, a chargeback of $posted to your accountAs of December6, 2016, your account is closed, with a balance of zero.We hope this letter explains and resolves this matter.Sincerelv

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 account.Comenity Capital Bank issues the Boscov’s credit cardWe are here to answer your questions andassist with your concerns.We understand from your correspondence that you state the
conversion of the Boscov’s account fromthe previous lender was not a smooth transition, and you are concerned with how your paymentsposted to your accountYou are requesting the delinquencies be removed from your credit report,and the late fees credited to your account.Please be advised that in March 2016, Boscov’s credit card accounts were converted to ComenityCapital BankA Change in Creditor notice was sent to all converting accountholders on February 25,2016.Our records indicate the account billed on July 15, 2016, with a balance of $and a minimumpayment of $due by August 10, As no payment was received by the August throughOctober due dates, late fees and finance charges were assessed to the account.Please be advised that when payments are not received, are received after the due date, or are madefor less than the minimum required, the account will be assessed a late feeAny time a balance iscarried over from one billing cycle to the next, a finance charge is assessed to the account as outlinedin the Credit Card Agreement.A statement message was added to your September billing statement notifying you effectiveSeptember 18, 2016, Capital One will no longer accept payments for the Boscov’s credit card, andany payments submitted to Capital One will be rejected.We have also reviewed the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when acustomer feels this standard was not met.In the interest of customer service, we have issued credits totaling $to remove the previouslyassessed late fees.Comenity Capital Bank is required to report factual information to the national credit-reportingagenciesWe find the information reported is correct; as such, we are unwilling to remove thedelinquencies from your credit file.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 ###-###-####I would be happy to assist you.Sincerely,Shelley A***

To date neither MsR*** nor any of the many reps/agents I have spoken to or received correspondence from in the last months have not explained where the payments to a/c *** went. Before I wrote to the Revdex.com I have had all form letters explaining nothing about a/c 4*** from representatives from Global Support Team, Internet Customer Team, etc. Recently, I provided by USPS Certified Mail statements showing the payments transferred to a/c 4*** from Feb through Oct 2015. My transaction $was charged to my revolving account on Jan 2015, $was refunded om January 21, 2015. The transaction was COMPLETED. FOR WHAT REASON, WHAT CHARGE, WHAT RIGHT DID COMENITY CAPITAL BANK HAVE TO OPEN A/C *** AND ATTACH IT TO MY REVOLVING ACCOUNT? In MsR***s reply (paragraph 5
Regards, *** ***

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

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

Dear *** ***Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Haband credit cardWe are here to answer your questions and assist with your concerns.The Bank received your complaint and you state the balance on
your account is incorrect because you have not received credit for all your payments and returns that you madeYou further state that your account was supposed to be corrected months ago; however, it has not been correctedYou are requesting that the Bank review your account and apply the return credits and payments to your accountWe understand your concerns and apologize for any frustration this may have caused you.Our records indicate that a purchase of $41.37, order number 153657, posted to your account on August 27, In addition, a purchase of $38.98, order number 200096, posted to your account on August 31, A statement was issued to you showing a balance of $with a minimum payment of $due by October 12, Please be advised that a return credit of $posted to your account on September 23, 2016, for order number Please keep in mind, when making returns, a credit is issued for the item itself and the shipping and handling is not refundedIn addition, a charge of $posted to your account on September 23, 2016, for the return label that was used when you made your return.Bank records further indicate that the Bank received your payment of $on September 29, Furthermore, a purchase of $posted to your account on October 5, A new statement was issued to you on October 17, 2016, showing a credit balance of $A new purchase of $posted to your account on October 11, The Bank then issued a new statement to you on November 16, 2016, showing a balance of $with a minimum payment of $due by December 12, As a result of a payment not being received, a late fee was assessed to your account for the months of December and January 2017.Please understand that Comenity Capital Bank and Haband are separate entitiesComenity Capital Bank issues and responds to questions regarding the Haband credit card accountWhile Haband responds to questions regarding merchandise, purchases, returns, and shipping.The Bank reached out to Haband regarding your missing return credits and we were advised that your account had not been credited for a returnTherefore, Haband issued a total credit of $to your accountFurthermore, we were advised that no other return credits are dueShould you have any additional questions regarding your return credits, please contact Haband directly at ###-###-####.In addition, the Bank issued credits for the late fees and finance charges that were previously assessed to your accountFurthermore, we have updated your payment history to show that your account is current.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***

That's exactly what they did actually I paid off thefirstthat was the first charge I had it that's what I paid off first with in the 12-month period the is $was later charged and that is what the $balance was from they like to turn things around you confuse you with a lot of paperwork no purchase specials ever mentioned only smonths interest from the purchase date Zales uses sneakey sales tacticsThey sure fooled me

Dear Ms***:We received your additional correspondence sent to the Revdex.comComenityBank issues the Westgate Rewards Mastercard@, and we are here to help answer yourquestionsI appreciate the opportunity to assist you with your concerns.In order to provide a copy of the application you requested the Bank would need the followingaValid Identification of the victimbA copy of the filed police report, including a report number and contact information that maybe used to confirm the filing of the report, if necessary.cA signed affidavit attesting to the validity of the identity theft claim.aContact Account Protection 1-800-888--0R-b.Contact Federal Trade Commission, www.ftc.govIf you are not able to send the above documents, a subpoena would be necessary to send theinformation you are requestingA subpoena must include either the consumer's full name andcomplete social security number or full name and complete account numberThe subpoenaneeds to be issued by a court with the subpoena power over Comenity Bank in compliance withthe applicable rules of Civil Procedures or statutes.Please send the above information to:Comenity BankAttn: Clerk of RecordsEaston Square PlaceColumbus, OH 43219Please find enclosed a copy of our response sent to you on August 18, 2015.As stated in our previous correspondence, we suggest you contact Westgate Rewards directlyto discuss the cancellation of your timeshare.***This card is issued by Comenity Bank pursuant to a license by MasterCard International Incorporated.MasterCard is a registered trademark of MasterCard International Incorporated.I hope you have found this information to be helpfulIf you have any questions or concerns,please feel free to contact me at ###-###-#### (TDD/TTY ###-###-####). I would be happy to assist you.SincerelyRosa M*** *** ***

THE ATTACHED RESPONSE FROM COMMENITY BANK IS INCORRECT.
ALL MERCHANDISE WAS SENT BACK AND RECEIVED BY HSN. $1,IS OWED TO MY
ACCOUNT AND THE DISPUTE NEEDS TO REMAIN OPEN ON MY CREDIT CARD
Lauren S*** *** *** *** is completely
incorrect with the information she provided to you.
I, the Consumer find the billing of the items NOT to be
valid, along with any and all interest that has and was applied to my account.
My account needs to be corrected immediately. I contacted Comenity Bank
immediately on a daily basis and they refused to help me correct this, in fact
they allowed new charges that are not valid as well post to my account and again
refusing to help me
My balance is NOT CORRECT, it is not $794.71.
This DISPUTE which has taken me now two (2) months to
correct is still not correct, and if it isn't corrected asap, I will contact the
Ohio Attorney General
I have contacted the *** Attorney General regarding
HSN.
I am NOT going to allow this to continue, my credit means
EVERYTHING TO ME. I have been on the phone with both Comenity Bank, so I'm glad
they reviewed and have all my calls because they took me away for hours at a
time from my FAMILY, as did HSN. I will not allow this to go on any further.
All correspondence has been sent through emails, certified letters, phone calls
and nothing is being corrected. I found out the exact same issues were
happening to other consumers (over plus complaints just this year)
PLEASE SEE ATTACHED DOCUMENTS VERIFYING HSN RECEIVED ALL
ITEMS BACK, I HAVE VERIFIED HSN HAS ALL OF THE ITEMS BACK AND COMENITY CAPITAL BANK HAS NOT HELPED ME RESOLVE THIS SITUATION AT ALL, NOTHING! THEY TOLD ME TO CALL HSN ON A DAILY BASIS. WHICH I HAVE AND THEY TOLD ME THAT THEY DON'T WANT TO TALK TO ME BECAUSE THEY CLOSED MY ACCOUNT, THEN THEY HANG UP. I AM NOT ALLOWED TO EVEN ASK ABOUT THE STATUS, NOTHING THEY JUST HANG UP ON ME. I HAVE WAITED SINCE THE END OF AUGUST AND COMENITY CAPITAL BANK REFUSED TO DISPUTE THE ITEMS, I HAD TO CALL THEM, EMAIL THEM AT LEAST TIMES. I HAVE NO IDEA IF MY DISPUTE IS STILL ACTIVE, NO IDEA, BUT IT BETTER STILL BE AN ACTIVE DISPUTE. COMENITY CAPITAL BANK HAD ME ON HOLD FOR AN HOUR AT A TIME, AND WHEN THEY CAME BACK ON THE PHONE, THEY SAID "I'M SORRY, YOU WILL NEED TO CALL HSN, WE CAN'T HELP YOU", PLUS CALLS ON A DAILY BASIS ASKING FOR HELP, WITH NONE GIVEN".Regards,*** ***

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

Dear *** ***: We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveComenity Capital Bank issues Haband credit card accounts, and we are here to assist you with all account-related questionsI appreciate the opportunity
to respond to your concerns. We understand from your complaint that you placed an order with Haband for two copper pans priced at $The order had a promotional gift for free, which was a three piece carry-on luggage set, as well as a presidential bonus gift, and a table trophyYou have only received one pan and a battery flashlightYou have already paid with your Haband credit card, and every time you contact Haband you receive different informationYou are requesting to have your money returned or a credit applied to your Haband account. Please understand that Comenity Capital Bank and Haband are two separate entitiesComenity 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 reached out to Haband, on your behalf, and they advised that on July 5, 2016, you placed phone order #*** for two copper pans, a free luggage set, and a free bonus giftYou also received $offThe order total was $36.97, and the complete order shipped on July 29, Tracking information by the United States Postal Service (USPS) showed a delivery date of August 8, 2016, at 1:PM. On August 30, 2016, you called to say you did not receive your orderHaband reshipped the order on September 6, The free luggage set was no longer available, so Haband sent a Patriotic Pocket Watch in its placeTracking information by the USPS showed a delivery date of September 14, 2016, at 2:PM. On September 21, 2016, you called to say you only received one copper panHaband reshipped a copper pan on September 30, Tracking information by the USPS showed a delivery date of October 5, 2016, at 4:PM. You also stated you did not receive two free giftsHaband sent you a free bonus gift; the free luggage set was still no longer available, so Haband sent a free gift of the monthTracking information by the USPS showed a delivery date of September 30, 2016, at 1:PM. If you have further questions regarding the items you received, please contact Haband at ########We hope you find this information helpfulIf you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Amanda R**

I made my payment within the allotted time I am a new customerI am being treated very unfairlyI will be paying my account off and not dealing with overstock anymoreOverstock is a scamI am very disappointedI wish the Revdex.com would do more to helpBut, I guess that will not happen
Regards, *** ***

We received your additional complaint regarding the above-referenced accountComenity Capital Bank issues *** *** *** credit accounts, and we are here to help with account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to respond to your concernsWe have reviewed your account, and our records indicate that the Bank previously responded to this complaint on October 14, 2015, and September 4, In the previous responses, you were advised that no additional credits would be issued and if you wanted to further dispute the matter, you would need to contact the service provider directlyWe have enclosed copies of our previous responses for your recordsAs of the date of this letter, the account balance is $1,We consider this remaining balance to be validAdditionally, the account is currently one billing period past due; should the account exceed six consecutive billing periods past due, it will be permanently closed, writtenoff, and reported to the national credit-reporting agencies as an unpaid debtWe apologize for any inconvenience this matter may have caused youShould you have any additional questions or concerns, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist youSincerely,

We received your complaint on behalf of *** ***, addressed to the Revdex.com, regarding the 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 respond to your concernsWe understand from your complaint that Mr*** purchased a laptop from HSN in and that he makes a monthly payment each month. However, you state that Mr*** was not properly informed that he needed to make a payment on or before the due date, each month, in order to avoid a late fee from being assessed to the account. Furthermore, you state that the information Mr*** received regarding the account was not conveyed in Spanish, which impacted his understanding about the credit card termsOn Mr*** behalf, you are requesting the Bank give him a second chance and amend the HSN account for the previously assessed late fees. We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused Mr***After a thorough investigation, our records indicate that the authorization to release account-related details has not been provided by the accountholder (*** ***). As such, the request outlined in your complaint cannot be granted at this time. Please be assured that we will respond to *** *** directly via a separate mailingWe hope you find this information helpful. If you have any further questions, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Lauren S*** Consumer Relations Specialist

We received your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues [redacted] credit card accounts, and we respondto all account-related inquiries. Your 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 permission. We 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 investigation. Your claim has been assigned fraud case number[redacted]-1, and your investigator is Lonnie M[redacted]. The investigation may take up to 90 days tobe completed, and you will be notified by mail of the outcome.We hope that this information is helpful. If you have any further questions or concerns, pleasecontact our Account Protection (Fraud) Team at ###-###-#### (TDD/TTY ###-###-####)and refer to your case number [redacted]-1. They would be happy to assist you.

Dear Ms. [redacted]:       Thank you for contacting Comenity Capital Bank.  As the bank that issues HSN credit card accounts, we respond to all account-related concerns.  Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I...

appreciate the opportunity to assist you.  We understand from your complaint that you are experiencing difficulty interpreting the Bank’s billing statements, and that you are concerned about the Bank’s payment options.  We sincerely apologize for any frustration or inconvenience you may have experienced as a result of this matter.  Please be advised that we have a special team designated to provide assistance for those customers who are experiencing difficulty reading the statements.  You may contact a Consumer Relations Specialist at ###-###-#### from 9:00 a.m. Eastern Time (ET), to 9:00 p.m. ET, Monday through Friday.  Should a representative not immediately be available, please leave a message and a representative will return your call within 24 to 72 hours.  After a thorough review of your account, our records indicate that the payment due date on your HSN account occurs on the 12th of each month, which is at least 25 days after the close of each billing cycle.  When a payment is received after the due date, but before the close of the billing cycle, it will be applied to the current cycle.  Furthermore, 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 charge, as explained in the Credit Card Agreement (CCA).  To ensure that your payments are applied to the correct billing cycle, we recommend that you make your payment after the 18th of each month, after the account has billed, but before the 12th of the following month, when the payment is due.   If an alternate due date would work better for you, please contact me at the number below to review your options.   To provide the best customer service possible, please note the following ways in which payments can be made.       Online: Online payments submitted before 6:00 p.m. ET can be credited to your account the same day.  Online payments submitted after 6:00 p.m. ET will be credited the following day (or on your future scheduled payment date).  This disclosure is provided to a customer prior to confirming the payment.  Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your HSN account.  Mail: Send your payment and payment coupon in the envelope that came with your billing statement.  We recommend allowing a week for the payment to arrive.    Phone: If you need to make an expedited and convenient payment, you may call us at the phone number on the back of your billing statement to speak to a Customer Care representative.  A processing fee of $15.00 applies to same-day payments made with the representative.  Please be advised this option provides our customers assurance that a payment has been received on the account.  Additionally, the processing fee is minimal compared to a possible late fee, and is added to the total balance.   Your opinion of the Bank’s payment options is important to us, and we appreciate the time you spent in notifying us of your concerns.  Please know that information and suggestions of this nature are reviewed by our management team so that we can evaluate possible adjustments to current processes.    We hope you find this information to be helpful.  If you have any further questions, please contact me directly at ###-###-####, ext. 7293577 (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely,  Lauren S[redacted]

Dear [redacted]   Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank issues the Lending Club Patient Solutions credit account. We are here to answer your questions and assist with your concerns.   I understand from your correspondence that you did not receive the billing statements that I previously stated would be sent you to.   Please be advised the Bank does not submit your billing statements to the Revdex.com as it contains confidential information pertaining to your personal account. The billing statements were mailed to your home with a copy of the previous letter from the Bank.   We apologize for any frustration or inconvenience this matter may have caused you.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.             Sincerely,  Kristina W[redacted]

Hello,Please grant an extension for the below referenced complaint.Thanks,Ashley H[redacted]

Thank you for your complaint, addressed to the Revdex.com, regarding the above-notedaccounts. Comenity Bank issues Total Rewards Visa@ and The Sportsman's Guide Buyer's ClubTMAdvantage Rewards Visa@ credit card accounts, and we respond to all account-related questions. Yourcomplaint was...

forwarded to my attention, and I appreciate this opportunity to assist you.We understand from your complaint that you applied for a Total Rewards Visa@ in October 2016, and itwas never used. Furthermore, you state you were also pre-approved for The Sportsman's Guide Buyer'sClubTM Advantage Rewards Visa@ and both accounts were closed by the Bank without any notice orreason. You are requesting to have the accounts reopened, or have the hard hits from your credit reportremoved.Bank records indicate that both your Total Rewards Visa@ account and The Sportsman's Guide Buyer'sClubTM Advantage Rewards Visa@ were closed effective November 16, 2016. The accounts were closeddue to recent excessive inquiries on your credit report. Please note the Bank may periodically reviewaccounts to determine their eligibility to remain active, as explained in the Credit Card Agreement, whichalso states we may close an account at any time, for any reason. Letters were mailed to you advising theaccounts were closed. Copies of these letters are enclosed for your review.Comenity Capital Bank reports factual information to the three national credit-reporting agencies, as thisinformation is crucial in making sound credit decisions. Please be advised the Bank is unwilling to reopenthe accounts, as well as removing the hard hits from your credit report.I hope you found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Compliance Dept. - Consumer Responses