Comenity Capital Bank

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 response. Thank you., [redacted]

I did NOT select Paypal Credit as my method of payment for this transaction. In fact, we have several methods of payments with our debit and credit cards and I am always very careful to select the correct account I want it charged to. If you check out PayPal history, you will see that both myself and my husband) have used Paypal MANY times. I am not new to
online buying and the processing of payments for such. My history with
Paypal proves this. It also proves that we pay through Paypal using our
debit/checking accounts, or charge card account. We have never selected Paypal Credit before for any transactions. We use our credit card (Visa), and our debit and checking accounts for ALL transactions. You stated that I charged $23.45 in December 2010. Yes, I did select Bill Me Later in 2010 when I was asked to try the credit line back then. It was not the best method for me, so I did not continue to use the credit line since (as your records will indicate). I have never selected  Paypal Credit, and was shocked to receive the email stating that I had. As I said before, my husband and I use Paypal very often, and have considered it a safe way to transact business online. So, it was not only a shock to receive this email about the transaction being charged to Paypal, but also frightening. When I talked with a representative from Paypal about being so upset by this, I asked her if anyone else had this to happen and called Paypal to complain, she said yes. I asked for an email stating this since I felt that it was going to be a problem trying to resolve. She stated that all calls are recorded, and if need be, a taped account of our conversation could be obtained. Yes, Paypal Credit suggested that I contact the merchant and ask them to cancel the sale and for me to then repurchase using my credit card. Embarrassingly, I did ask the merchant, but they were unable to cancel as it had already been processed. I did not like having to ask the merchant to do this, due to Paypal Credit's mistake. The method of repayment to Paypal Credit that you are suggesting is not satisfactory since this was supposed to be charged to our Visa charge card account. Asking us now to pay with our checking account, or sending checks, is not satisfactory or acceptable. We wanted to charge it to our Visa, which is the method of payment selected when we processed the transaction. You are not offering us a way to do this. You are causing us undue stress in having to deal with this. I am spending time to make calls, file complaints, etc. Furthermore, we are skeptical about using Paypal now, due to Paypal Credit's questionable honest and safe business practices. We are also being told that Paypal Credit cannot fix their mistake, but instead we are to find a way to pay for the transaction in a way that we were unprepared for. I am most definitely rejecting Paypal Credit's response. As I have stated, I did not select Paypal Credit for this transaction.
Apparently, I am not the only one this has happened to. I will continue to do what I have to do if Paypal Credit does not fix my account.
Regards,[redacted]

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

Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank previously issued the Lenovo Preferred credit card. We 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 matter. Please find enclosed a copy of our response dated November 6, 2017.   Additionally, we suggest that you contact Lenovo directly regarding the restocking fee.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.                                         ...⇄ Sincerely,    Kaija M[redacted] Compliance Dept. – Consumer Responses   cc: Revdex.com   Enclosure

Dear [redacted] I have read your defense for your Bank’s egregious behavior on accessing late fees after the account is paid in full and closed.  Apparently this is the only vehicle your company has to profit in your business.  Be that as it may I find this reasoning unacceptable and refuse, further, to pay these fees.  I paid my account in full and closed it albeit a day late and there should be no more communication between us.  Your insistence on charging me $69.79 smacks of desperation on your part.  If a client of mine paid me in full a day late I would pat him on his back and send him on his way with a smile in hopes for return business.  Apparently this pretty standard business courtesy is unknown within the Banking industry.  You will not be receiving any of this enormous sum of money from me.  Sincerely, [redacted]

Dear Ms. Yannotti-Suide: We have 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 application-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 applied for a j.jill credit card via the website.  You state that you attempted to apply for a credit card previously but were told that you omitted the required information on your application, and it could not be processed, and to reapply after 30 days.  You state after 30 days you reapplied again.  You also state that when filling out the application you entered your physical address and in the second address you entered your PO Box.  You received a letter advising you due to the Patriot Act; we requested that you call us due to the Bank needing additional information to process your application.  You indicate that you called the number mentioned in the letter and were advised that the Bank would need you to mail a copy of your social security card and driver’s in for verification.  At that time you requested to email a copy of the information requested and were advised that the information must be mailed.  You declined to send your personal information via mail, and are requesting that your application be processed without it, because you do not understand why this information cannot be emailed.  After a thorough review of the application, our records indicate that when the information was entered your address was entered as [redacted] and there was no secondary address on the application.  A previous letter was sent to you advising that the USA Patriot Act requires all financial institutions to obtain and verify information that identifies each person who opens and account.  This letter requested your social security number or other identification number, date of birth, and a physical street address.  Additionally, the letter stated that one or more of these elements was missing from your application.  In regard to the conversation with our customer care representative, where you were informed that the information being requested needed to be mailed in to the Bank; please be advised that you were provided with accurate direction.  The information needs to be mailed in and may not be emailed to the Bank.  Additionally, this information must be mailed within 14 days of the date of the letter for reconsideration of the application.   As the Bank did not receive the requested documentation within the allotted time frame, we are unwilling to further process the application.  Please note that you may reapply for a j.jill credit card after 30 days.  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 application, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely,  Renee S[redacted]

August 25, 2015 ID [redacted]Thank you for sending us the complaint you received from [redacted]Comenity Capital Bank is the owner and administrator of the Blair Credit Card, and they respond to all credit related inquiries. We have forwarded the complaint to...

their offices, and we requested that they respond to both you and our customer as quickly as possible.Your assistance in this matter is appreciated.Sincerely,Becky A. M[redacted] Customer Care SpecialistOffice of the President

Comenity Capital Bank continues to persist in their attempts to collect this account.  They have added a third late payment charge on a balance generated by their first application of a late payment charge on an account with a zero balance.  They also continue to make harassing collections calls to collect this concocted balance.  Please intervene and resolve this unjust action.Thank you.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: [redacted]
I am rejecting this response because:  Who initiated the credit card application??
Regards,
[redacted]

Thank you for contacting Comenity Capital Bank.  As the bank that issues [redacted] 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
purchased a camera from [redacted] three years ago, and at that time, you were offered
an [redacted] credit card account, which you declined. 
You are requesting that the Bank refund any payments received, above the
cost of the camera, because you never accepted, never received, and never
authorized the issuance of the above-noted account.  We understand your concerns, and we sincerely
apologize for any frustration you may have experienced. We have reviewed the [redacted] account, and we are
pleased to share our findings.  Bank
records indicate that you were selected for a pre-approved credit account offer
based upon the information listed in your credit file which satisfied the
Bank’s criteria for creditworthiness.  On
November 27, 2011, you accepted the prescreen offer and were approved for an
[redacted] credit card account; failure to close the account within thirty days of
receiving the Credit Card Agreement (CCA), indicated your acceptance of the
terms of the agreement, including the assessment of any finance charges and
fees.   Bank records further indicate the following
charges were applied to the account: a charge of $44.00 was applied on April
23, 2012, a charge of $43.41 was applied on April 24, 2012, and a charge of
$19.95 was applied on April 25, 2012.  On
May 7, 2012, a statement was issued indicating a balance of $107.36 with a
minimum payment of $25.00, due by June 2, 2012. 
As no payments were received by the due date(s) for the months of June
and July 2012, late fees and finance charges were assessed to the account,
pursuant of the terms outlined in the CCA. Billing statements continued to be sent monthly,
and as payments were not received, or were received after the due date, late
fees and finance charges continued to be assessed to the account.  Please understand that the Bank declines the
request to refund any payments received, above the cost of the camera, as the balance on the account was valid when
the payments were received, pursuant to the terms and conditions outlined in
the CCA.  Enclosed, please find a
copy of the CCA, for your review.  Although there were no Bank errors, in the
interest of customer service, we have issued credits totaling $258.02, for
previously assessed Bank fees.  Additionally,
in the interest of customer service notification has been sent to the national
credit-reporting agencies with instructions to remove the reported delinquency
for November 2014 through September 2015, with regard to your [redacted] account.  Please allow the credit-reporting agencies 45
days to update their records.As of the date of this letter, the account
balance is zero and your credit limit is $250.00.   Should you wish to close the above-noted
account, you may do so by contacting me at the number listed below. Lastly, if you choose to stop receiving
“prescreened” offers of credit from this and other companies please call
toll-free ###-###-#### to make the request. 
You may also contact the credit-reporting agencies directly by using the
following information:Experian (TRW) TransUnion (TRU) Equifax (CBI)PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comIf 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 to be
helpful.  If you have any further
questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY
###-###-####).  I will be happy to
assist you.

Dear Ms. [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues VICTORIA’S SECRET and EXPRESS credit card accounts, and we are here to answer account-related questions. Your complaint was forwarded to my attention and...

I appreciate the opportunity to assist you.Your complaint states that you sent written requests to the Bank indicating both accounts noted above were to be removed from your credit file; however, they were not. The account has reported over seven years and that the law says the accounts are to fall off of the report after seven years. You want both accounts removed from your credit report immediately or you will contact your attorney. You further state that you want a letter of confirmation sent to you once this has been done.We have reviewed your VICTORIA’S SECRET and EXPRESS credit card accounts, and here is what we have noted.Bank records indicate that both accounts were opened in 2003; however, the accounts were closed by the Bank in 2009. This information will report on your credit file for a period of seven years from the closure date. We found that you submitted multiple dispute requests through the credit bureau(s), and the Bank complied and responded to the credit bureau(s) with the verification request, verifying the accounts were reporting accurately.However, as a courtesy, we sent notification to the credit-reporting agencies with instructions to delete the VICTORIA’S SECRET and EXPRESS accounts, in their entirety, from your credit file. Please allow the credit-reporting agencies 45 days to update their records.We hope this information is helpful. If you have any further questions or concerns, please contact me at 1.800.675.5685, ext. [redacted] (TDD/TTY 1.800.695.1788). I will be happy to assist you.Sincerely,Shawnda Yo\[redacted]Consumer Relations SpecialistCC: Revdex.com

Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the Haband credit card. We are here to answeryour questions and assist with your concerns.We previously received and responded to your correspondence...

submitted, regarding this samematter. Please 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 month. The Haband account isa regular revolving account, which means that if there is a balance, a minimum payment isrequired each billing period. Please 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 helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responses

I never was in touch with Comenity Bank. Tried calling 4 days in a row, left a message and got no response from the Company
Regards,[redacted]

Dear [redacted]:We have received the complaint regarding the above-noted account. Comenity Capital Bank issues multiple retail credit accounts and we are here to help with your account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention,...

and I appreciate the opportunity to respond to your concerns.We understand from your inquiry that that your account was assessed finance charges and you are requesting that it be waived. 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 account. To locate an account, we would need additional information. Please 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 ###-###-####.We hope this information is helpful. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist

Dear Ms. [redacted]We received the complaint you sent to the Revdex.com of Central Ohio (Revdex.com)regarding PayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. ThePayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, Inc.PayPal Credit...

is a payment option made available by many merchants to their customers.Your complaint states you made an online purchase using PayPal Credit; however, youreturned the item to the merchant. You received confirmation from the merchant stating thereturn credit was processed on July 21, 2015, but this credit is not yet reflected on your PayPalCredit account. You would like PayPal Credit to issue you a credit of $419.99.A review of your PayPal Credit account shows a purchase of $476.15 from SAKSFIFTHAV wasmade on June 4, 201 5. A credit from SAKSFIFTHAV for $419.99 posted on August 5, 201 5, toyour PayPal Credit account. This credit will be reflected on your next billing statement datedAugust 21, 2015. Although you were advised by the merchant that the credit was issued onJuly 21, 2015, PayPal Credit did not receive the credit from the merchant until August 5, 2015.Generally, credit posting can take up to ten business days to reflect on your PayPal Creditaccount after being issued by the merchant although the timeframe may vary by merchant.As of the date of this letter, your account is open with a balance of $58.35. Your next minimumpayment requirement and due date will be reflected on your next billing statement dated August21, 2015.We hope this letter explains and resolves this matter.Sincerely,Laura C[redacted]

Dear [redacted]Comenity Capital Bank received your complaint regarding the above-noted account. As the Bankthat issues Lending Club Patient Solutions credit accounts, we respond to all account-relatedconcerns. Your complaint, addressed to the Revdex.com, was forwarded to...

myattention, and I appreciate the opportunity to assist you.Your complaint states that you financed dentures on your account and you had 36 months to payit off. However, your purchase was placed on a 24 month plan, and you were not given properdocumentation that explained the promotional plan. As such you are requesting the financecharge be waived. We understand your concerns and apologize for any confusion or frustrationthis may have caused you.Our records indicate on July 15, 2014, a purchase of $3,460.00 posted to your account and wasplaced on a 24-month deferred interest, payment required plan that expired on July 16, 2016. Forpurchases on this plan, the customer is required to make payments on the promotional planbalance based on the standard repayment terms for their account. Interest is accrued (calculated,but not added to the balance), and if the balance is not paid in full by the plan end date, theaccrued finance charges, which were calculated from the date of the original purchase, will beadded to the deferred balance, and this balance will be moved to the customer’s revolvingbalance. Please be advised that information regarding your promotional plan appeared on yourmonthly billing statements, under the heading, “details of your plans”. Additionally, beginning withthe April 2016 billing statement, notification was provided which advised your promotional planwas expiring soon. I have enclosed your billing statements for your review. The promotional plandetails were also on the sales agreement, which is also enclosed.Please be advised that a statement was issued to you on June 23, 2016, showing a balance of$1,295.08 with a minimum payment of $56.00 due by July 19, 2016. Under the “details of yourplans” section of your statement, it stated that the promotional balance of $1,268.08 needed tobe paid in full by July 16, 2016, to avoid paying accrued interest.The Bank received a payment of $65.00 on July 20, 2016. As a result of the promotional balancenot being paid in full by the plan expiration date, the accrued interest of $1,048.28 was assessedto your account on July 16, 2016, and the remaining promotional balance of $1,230.08 was movedto revolving, which is subject to normal monthly finance charges.Our records further indicate that the Bank has not received a payment since July 2016 and youraccount is currently four billing periods past due. Please be advised should your account exceedsix billing periods past due, your account will be permanently closed, written-off, and reported tothe national credit-reporting agencies as an unpaid debt.Comenity Capital Bank did not find any errors with the account. Therefore, we are unwilling toremove the finance charges, as they are valid.As of the date of this letter, your account balance is $2,655.15.I hope this information is helpful. Should you have any additional questions or concerns regardingyour credit account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY [redacted]I would be happy to assist you.Sincerely,Jenny W[redacted]

Dear Ms. [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above.  Comenity Bank issues Pier 1 Imports® creditcard accounts, and we respond to account-related questions.  Your correspondence was forwarded to my attention,and...

I appreciate the opportunity to respond to your concerns. We understand your concerns as noted in thecorrespondence: that you were advised you would be able to settle the accountbalance for $259.61, you would like a written statement regarding thesettlement amount, and for the Bank to contact the credit-reporting agenciesonce the amount is paid.  We apologizefor the inconvenience and frustration you may have experienced due to thissituation. The Pier 1 Imports® account was opened on December3, 2010; use of the account or failure to close the account within 30 days ofreceiving 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 $571.33 was made onDecember 3, 2010.  The last payment of $50.00was received on September 25, 2015. Our records indicate that the Pier 1 Imports®account exceeded six consecutive billing periods past due, the account was permanentlyclosed, and reported to the national credit-reporting agencies as an unpaiddebt on September 1, 2015, with a balance of $699.03.  This information could remain on your creditbureau report for a period of seven to ten years.  Comenity Bank believes in reporting factualinformation to the national credit-reporting agencies.  We have reviewed your account and we findthat the information reported is correct; as such, we are unable to remove anydelinquencies or change the status of your account.   We strongly encourage you to contact Ms. [redacted]in our Recovery department at ###-###-####, ext. [redacted] (TDD/TTY###-###-####) to discuss suitable payment arrangements for the remaining balanceof $649.03. We hope this information is helpful.  Should you have any other questions orconcerns regarding this account, please feel free to contact Ms. [redacted] in ourRecovery department at the telephone number provided above.  She will be happy to assist you. Sincerely,  Ashley H[redacted]

Dear [redacted]   Comenity Capital Bank has received your complaint regarding the above-referenced account.  Comenity Capital Bank issues the HealthiPlan® credit card.  We are here to answer your questions and assist with your concerns.   Your complaint states...

that you financed hearing aids on your account and you had 12 months to pay it off.  As such you are requesting the finance charge be waived.  We understand your concerns and apologize for any confusion or frustration this may have caused you.   Our records indicate on August 5, 2015, a purchase of $5,855.00 posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on August 5, 2016.  For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account.  Interest 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 balance.  Please be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”.  Additionally, beginning with the June 2016 billing statement, notification was provided which advised your promotional plan was expiring soon. I have enclosed your billing statements for your review.    Please be advised that a statement was issued to you on July 1, 2016, showing a balance of $1,476.00 with a minimum payment of $60.00 due by July 27, 2016.  Under the “details of your plans” section of your statement, it stated that the promotional balance of $1,476.00 needed to be paid in full by August 5, 2016, to avoid paying accrued interest.    The Bank received a payment of $488.00 on July 27, 2016.  As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $1,083.48 was assessed to your account on September 1, 2016, and the remaining promotional balance was moved to revolving, which is subject to normal monthly finance charges.  As such, the Bank finds the finance charges to be valid and we are unwilling to remove them.   As of the date of this letter, the account has a zero balance and is current.    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,                                           ...⇄ Renee S[redacted]

Dear [redacted]We have received the inquiry you sent to the Revdex.com (Revdex.com) regarding theabove-noted account. Your correspondence was forwarded to Comenity Bank. Comenity Bankissues the Carson’s credit card, and we are here to help answer your account related questions.I appreciate...

the opportunity to assist you with your concerns.We understand your concerns regarding the return for $17.12, and this amount not reflecting onyour statement. Furthermore, we apologize for the frustration this may have caused you whentrying to get this rectified over the phone with a bank representative.We strive to provide excellent service to our customer’s and are disappointed when this is notachieved. Your concerns are important to us and we apologize for the inconvenience orfrustration this may have caused you. At this time, we would like to explain our findings.Please keep in mind billing statements reflect any activity on your credit card account prior tothe statement closing date. On April 11, 2016, we sent a billing statement showing a balance of$53.57 and a minimum payment of $27.00 due by May 7, 2016. The above balance includedthese following transactions:• $23.66 on April 7, 2016• $17.12 on April 7, 2016• $23.60 on April 8, 2016• Return for $10.81 on April 8, 2016On April 13, 2016, Comenity Bank received credit for the returned merchandise of $17.12,bringing your balance to $36.45. As of April 29, 2016, the Bank received your payment of$36.45, bringing your prior statement balance to zero. (Please keep in mind these twotransactions reflected on your next month’s billing statement dated May 12, 2016, since yourstatement closing date was on April 11, 2016).On May 12, 2016, a new billing statement was mailed showing a balance of $115.22 and aminimum payment due of $27.00 by June 7, 2016. The below transactions comprised thebalance of $115.22.• $45.90 on April 13, 2016• $29.70 on April 13, 2016• $16.50 on April 15, 2016• $33.01 on April 15, 2016• Returned Merchandise of $9.89 on April 27, 2016We have enclosed a copy of these two billing statements for your records. In addition, weindicate your account was closed per your request on June 2, 2016.We hope you find this information helpful. If you have any further questions regarding this letter,please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happyto assist you.Sincerely,Jack C[redacted]

Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with yourconcerns.We understand from your correspondence, submitted to the...

Revdex.com, that you received yourstatement and found that a late fee was assessed to the account. You state that you called the Bank and weretold that back in March or April and you did not pay the full minimum due, and as a result you were charged alate fee. You didn’t pay the first late fee, and that caused another late fee. You are requesting both late feesremoved.Please keep in mind that when payments are not received, are received after the due date, or are made for lessthan the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.After a review of the account, our records indicate that a statement was issued to you on April 2, 2017, with abalance of $338.77 and a minimum payment of $48.00 due on May 2, 2017. A payment of $27.00 was receivedon April 7, 2017, as this was not the full minimum due a late fee of $27.00 was assessed to the account.As the Bank recently issued a late fee credit of $27.00 to the account on May 9, 2017, we are unwilling to removeanother late fee at this time.As of the date of this letter, the balance on the account is $321.77 with a minimum payment of $42.00 due onMay 28, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Renee S[redacted]