Comenity Capital Bank

Thanks so very much for help, the issues has been resolved, Commenty Bank

Enclosed please find bill (sorry it is so messy but I was writing as I was discussing on phone). As you can see the item was $19.98 and I paid $15.98 when returning the item. They had sent it in a mailing envelope and I was told the $15.98 was the fee for returning it in the same envelope even through the envelope had a return sticker. I think this is unethical.

Dear [redacted]We received the correspondence you sent to the Revdex.com (Revdex.com) regardingPayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. ThePayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill MeLater, Inc. PayPal Credit...

is a payment option made available by many merchants to theircustomers.Your correspondence states you purchased services for your computer using PayPalCredit. You state you received a bill for $149.99, but unauthorized charges of $95.00 and$45.00 later posted to your account. After you submitted a $50.00 payment and calledPayPal to remove the unauthorized charges, you had a balance of $94.99. You wereadvised to not submit payment until you were notified; however, you did not receive thestatements. You state you did not receive the services you paid for, and are requestingyour balance be waived.PayPal Credit's records reflect your PayPal Credit account was opened on April 19,2016,with an online purchase of $149.99 through [redacted]. On May 9, 2016, PayPalCredit received your $50.00 payment. In addition, two PayPal cash advance purchasesof $95.00 and $45.00 posted to your account on May 22, 2016. Your May 24, 2016,statement indicated a balance if the amount of $239.99 and a $25.00 minimum paymentrequirement due by June 21, 2016.On May 26,2016, you called PayPal Credit and stated the cash advance purchases thatposted to your account were unauthorized. At this time, you were transferred to PayPalfor resolution and your transactions were submitted for review. PayPal determined thetransactions were a result of suspicious activity. As such, you received a $45.00 creditapplied to your PayPal balance on June 6, 2016, and received an additional credit in theamount of $95.00 on June 7, 2016, which was applied to your PayPal Credit account asreflected on your June 2016, billing statement. Also on June 6, 2016, PayPal Creditreceived another payment for your account in the amount of $50.00. Please note, youcan view the $45.00 credit applied to your PayPal balance in your PayPal accounttransaction history. PayPal Credit apologizes that you did not receive notification of howthese credits would be issued to you. This was due to concerns that your email addressmay have been improperly modified as a result of the suspicious activity detected on youraccount.On June 20, 2016, you called PayPal Credit and initiated a dispute claim for the April 19,2016, purchase in the amount of $149.99. On June 28, 2016, PayPal found the claim inyour favor and issued a credit in the amount of $149.99 to your PayPal account balance.This credit can be viewed in your PayPal account transaction history. As a result, abalance in the amount of $94.99 remained on your PayPal Credit account, which wascomprised of the $45.00 cash advance purchase from May 22, 2016, (which you werecredited for via your PayPal balance) and the $49.99 remaining from your April 16, 2016,purchase of $149.99 (which you were credited for via your PayPal balance and twopayments totaling $100 had since been received and applied that purchase).On January 29,2017, a payment of $94.99 posted to your PayPal Credit account, leavinga balance of $77.45 as shown on your February 24, 2017, statement.Upon receipt of your correspondence, PayPal Credit waived all fees applied to yourPayPal Credit account because all purchases were credited. Fee waiver credits totaling$77.45 will appear on your March 24, 2017, statement.Your correspondence mentioned you did not receive billing statements. Per E-Signconsent, you agreed to receive "statement ready" emails via the email address on file foryour account, [redacted], alerting you that your statement is readyfor viewing electronically. PayPal Credit's records indicate these emails were deliveredsuccessfully and some were opened. On January 11,2017, per your request during a callwith PayPal Credit, your statement delivery method was changed to paper.As of March 15, 2017, your account is open, with a balance of zero. We hope this letterexplains and resolves this matter.Sincerely,Zachary B[redacted]

We received the correspondence you sent to the Revdex.com of Central Ohioregarding PayPal Credit. Your correspondence was forwarded to Comenity Capital Bank.The PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced byBill Me Later, Inc. PayPal Credit is a payment...

option made available by many merchantsto their customers.Your correspondence indicates you closed your PayPal Credit account on July 7, 2016,but continue to be billed for fees. You contacted customer service regarding theoutstanding account balance and were assured the issue was taken care of; however,your online account still reflects a past due payment. You are requesting for your accountto be closed and for the balance to be waived.We reviewed the concerns noted in your correspondence and would like to provide youwith the following information. On July 29, 2016, PayPal Credit received a payment in theamount of $1,000.00 leaving a remaining account balance of $663.03. On August 4, 2016,PayPal Credit received an additional payment of $663.03. Please note, this payment wasreceived after your payment due date of August 3, 2016, and as a result, you werecharged interest totaling $22.21 on your statement dated August 6, 2016. Also reflectedon this billing statement was a minimum payment requirement of $22.21 due bySeptember 3, 2016.On August 4, 2016, you called PayPal Credit and requested to close your account. At thistime, the associate honored your request to close your account and sent you a letter viapostal mail confirming your account was closed. Please note that PayPal Credit does nothave record of a request to close your account before August 4, 2016.Your statements dated September 6, 2016, through November 6, 2016, show one latefee of $5.00 and three interest charges totaling $6.00. Your November 6, 2016, statementalso shows your ending balance of $33.21 and your minimum payment requirement of$33.21 due by December 3, 2016.On November 16, 2016, you called PayPal Credit regarding the balance on the account.You stated you closed your account and wanted to know why it was still open. Theassociate confirmed your account was closed, and advised your last payment of $663.03,was received after the payment due date which resulted in an interest charge in theamount of $22.21. The associate explained additional fees were assessed to the account;however, the interest charge and fees could be waived as a courtesy. A credit in theamount of $33.21 was applied to the account on November 16, 2016, as reflected on yourDecember 2016 billing statement.As December 8, 2016, your account is current with a zero balance and was closed peryour request on August 4, 2016.We hope this letter explains and resolves this matter.Sincerely,

Dear Ms. [redacted]:   Comenity Capital Bank received a complaint, addressed to the Revdex.com, regarding the above-noted account.  As the bank that issues HSN credit card accounts, we respond to all account-related concerns.  Your complaint was forwarded to my...

attention, and I appreciate the opportunity to assist you. Thank you for taking the time to speak with me on October 21, 2015, regarding your experiences with the Bank’s website.  Based upon our conversation, we were able to determine that your complaint is regarding your experience with a separate entities website, not Comenity Capital Bank.  Should you experience any issues with the Bank’s Account Center website, please contact me at the number listed below.  As of today’s date, the balance on your HSN account is $0.00.  We value you as a customer, and we hope that 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. Sincerely, Lauren S[redacted]

To whom it may concern, I [redacted] sent every receipt and statements and copy of 15.00 late charge for getting my payment there on time on the due date paid by debit Visa.Here are the last two, and I am not behind. I paid 174. then more, now they charged 175.00 and change. I have been paying for, and they are trying to charge Woman Within.I sent you all paper work eevery statement every copy of my payments on time sent on time. You have everything. I am telling the truth. God is my witness.
[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 were charged $1,523.00 in finance charges because you did notpay your promotional balance off by the plan’s expiration date. You further state you were notmade aware the finance charge would be assessed to your account, and you are requesting theybe waived. We understand your concerns and apologize for any confusion or frustration this mayhave caused you.Our records indicate on September 19, 2014, a purchase of $6,100.00 posted to your accountand was placed on a 24-month deferred interest, payment required plan that expired onSeptember 20, 2016. For purchases on these plans, the customer is required to make paymentson 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 fullby the plan end date, the accrued finance charges, which were calculated from the date of theoriginal purchase, will be added to the deferred balance, and this balance will be moved to thecustomer’s revolving balance. Please be advised that information regarding your promotionalplans appeared on your monthly billing statements, under the heading, “details of your plans”. Ihave enclosed your billing statements for your review.Please be advised that a statement was issued to you on August 24, 2016, showing a balance of$1,400.00 with a minimum payment of $56.00 due by September 19, 2016. Under the “details ofyour plans” section of your statement, it stated that the promotional balance of $1,400.00 neededto be paid in full by September 20, 2016, to avoid paying accrued interest.The Bank received a payment of $200.00 on August 31, 2016. Please be advised that thepayment did not pay your promotional balances in full. As a result of the promotional balance notbeing paid in full by the plan expiration date, the accrued interest of $1,583.02 was assessed toyour account on September 20, 2016, and the remaining promotional balance of $1,200.00 wasmoved to revolving, which is subject to normal monthly finance charges.Our records further indicate the last payment of $1,991.51 was received on October 11, 2016,which brought the account balance to zero.Although, Comenity Capital Bank did not find any errors with the account, our records indicatethat a credit of $829.12 was issued to your account on November 1, 2016. Please be advised weare unwilling to remove any additional finance charges, as they are valid.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 ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

[redacted], Consumer Relations Specialist at Comenity Bank in message from June 18 stated that the June 18 due date was removed and we have payment due by July 18, 2015. 
However, I just received bill, where they added $34.00 Late fee and $6.52 interest charges. These charges should be removed form our bill.
Regards,
[redacted]

Dear [redacted]We have received the complaint regarding the above-noted account. Comenity Capital Bankissues HealthiPlan credit accounts, and we respond to all account-related concerns. Yourcomplaint, addressed to the Revdex.com, was forwarded to my attention, and Iappreciate the...

opportunity to assist you.In your complaint, you state that your purchase with [redacted] was placed on a 12 monthdeferred interest plan and that no interest was to be assessed to your account if the balance waspaid in full by May 26, 2016. You further state that you sent in a payment of $205.92 on May 20,2016. This payment was to pay the balance in full; however, your account was assessed thefinance charge. You are requesting that the accrued finance charge assessed to your accountbe waived. I understand your concerns and apologize for any inconvenience or frustration thismatter may have caused you.Our records indicate that on May 22, 2015, a purchase of $2,471.00 posted to your account andwas placed on a 12-month deferred interest, payment required plan that was set to expire on May22, 2016. For purchases on this plan, the customer is required to make payments on thepromotional plan balance based on the standard repayment terms for their account. Interest isaccrued (calculated, but not added to the balance) and if the balance is not paid in full by the planend date, the accrued finance charges, which were calculated from the date of the originalpurchase, will be added to the deferred balance, and this balance will be moved to the customer’srevolving balance. Please be advised that information regarding your promotional plan appearedon your monthly billing statements, under the heading, “details of your plans”. I have enclosedyour billing statements for your review.Please be advised that a statement was issued to you on May 1, 2016, showing a balance of$335.83 with a minimum payment of $27.00 due by May 27, 2016. Under the “details of yourplans” section of your statement, it stated that the promotional balance of $335.83 needed to bepaid by May 22, 2016, to avoid the accrued finance charge.The Bank received your payment of $205.92 on May 22, 2016. Please be advised that thepayment did not pay your promotional balance in full. As a result of the promotional balance notbeing paid in full by the plan expiration date, the accrued interest of $396.83 was assessed toyour account on May 22, 2016, and the remaining promotional balance of $129.91 was moved torevolving, which is subject to normal monthly finance charges.Comenity Capital Bank did not find any errors with the account; therefore, we are unwilling toremove any fees, as they are valid.Your account balance is $616.16 with a minimum payment of $75.00 due by August 27, 2016.Please be advised that your account is currently two consecutive billing periods past due. Shouldyour account exceed six consecutive billing periods past due, your account will be permanentlyclosed, written-off and reported to the national credit-reporting agencies as an unpaid debt.We hope this information is helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

Dear Ms. [redacted]   Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions.  Your complaint was forwarded to my attention,...

from the corporate office of Haband, and I appreciate the opportunity to assist you.   You state in your complaint that you are disputing the balance on the above-referenced account and you have not received any merchandise.  You further state that although you thought you had canceled your order and closed your account, you continue to receive statements.  We sincerely apologize for any frustration or inconvenience this matter may have caused you.    Please understand that Comenity Capital Bank and Haband are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.    A purchase of $48.95 posted to the account on May 15, 2015.  Haband has confirmed that this purchase belonged to a different customer, and was incorrectly applied to your account.  This purchase was returned; as such, a return credit of $47.42 posted to the account on September 2, 2015, and a credit of $8.97 posted to the account on September 3, 2015.   The credits appeared on your billing statement that was issued on September 6, 2015, and resulted in a credit balance of $7.44.  Because the purchase and return were not made by you, the credit balance was reversed on September 25, 2015.  Your account balance, as of today’s date, is zero.            Haband also confirmed a mail order purchase of $67.18 was received, with a check payment of $67.18 included with your order.  The mail order purchase was canceled per your request, and as a result, on July 24, 2015, a refund check of $67.18 was sent to you from Haband.  We have enclosed a copy of the cashed refund check for your records.             Please be assured, no negative payment information was reported to the national credit-reporting agencies as a result of this matter.  The account was closed, per your request, on August 21, 2015.    We hope you find this information helpful.  If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.   Sincerely,    Laura R[redacted]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card account. We are here to answer your questions and assist with your concerns.   We...

understand from your complaint that you purchased a complete shower enclosure from Overstock.com. You state the specifications did not show the width of the entry door, which caused an issue as you were unable to get through the door. You state after further communication with Overstock.com, the supplier sent you the parts to rectify the matter. After the second instillation, you were further dissatisfied and requested Overstock.com to remove the shower enclosure and refund your money. They refused to take it back. You state after receiving collection calls for six months, you requested to pay $500.00 to settle the debt; however, this was rejected. You further state that the balance is at $1,636.00, including interest and late fees, and has ruined your credit. You suggest that Overstock.com write off this product failure and settle for a modest fee. I am happy to share my findings.   Please note that Overstock.com and Comenity Capital Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Overstock.com is responsible for handling matters related to sales, merchandise processing, returns and shipping.   Bank records indicate the account was opened March 21, 2015. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees.   The last purchase posted to the account in the amount of $52.48 on November 9, 2015. The last payment posted to the account in the amount of $52.00 on May 16, 2016. When you attempted to settle the balance on August 7, 2016, the settlement offer was $1,109.00; you declined this offer. Due to no payments made for six consecutive months, the account wrote off on January 9, 2017, with a balance of $1,789.28. The account was then sold on January 23, 2017, to [redacted]. To set up suitable payment arrangements, please contact them directly at ###-###-####.   We contacted Overstock.com, on your behalf, regarding this matter. They advised that they received notification from you in May 2016, indicating that the item was different than what was online. They confirmed they attempted to reach out, however; they were unable to reach you via phone or email. We suggest contacting Overstock.com directly regarding this matter at ###-###-####.   We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law.     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, Kaija M[redacted]

I was miss represented  about the monthly cost and would like it fixed. I was told ot would be 25 dollars month minimum and would like to see that reflected on my bill. I am going through the ohio attorny generals office and going to get a lawyer if I have to.Regards, [redacted]

From: Laura Rhoades [mailto:[email protected]] Sent: Tuesday, January 17, 2017 11:15 AMTo: [email protected]; [email protected]: Extension Request for Complaint Received [ ref:_00D50JV5F._50050rPsQU:ref ]Hi Catherine, Comenity Capital...

Bank received the complaint ID 11915358 for Beverly Helsing. In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 01/24/2017. Please let me know if this extension date is not approved. Thank you,Laura RhoadesCompliance Dept. - Consumer ResponsesLaura RhoadesCustomer Response Advocate, Complaints Management | Compliance Comenity Capital Bank3095 Loyalty Circle, Columbus, OH 43219Office: (800) 820-8932ref:_00D50JV5F._50050rPsQU:ref

Dear Mr. [redacted]   Thank you for contacting the Revdex.com regarding the above-noted account.  Comenity Capital Bank issues your MyPoints Rewards Visa® account, and we respond to all account-related questions.  Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.   We understand your concerns regarding the balance and that you feel your account should be paid off, and no balance should be owed.   Thank you for previously providing us with the confirmation notices regarding your payments.  Please be assured we have reviewed this information and find that all payments referenced in your confirmation notices have been applied to your account, with the exception of one payment. Payment of $100.00 on March 7, 2015, is not reflected on your account.  Unfortunately, the confirmation of payment is not sufficient for us to make a correction.  Please provide a confirmation from your financial institution of the electronic transmittal for this payment.  Once this has been received, we will research and make any necessary adjustments.   Additionally, please be advised that the account was closed on May 29, 2014.  The billing statement issued on June 11, 2014, reflected a balance of $1,911.25.  Please review the statements that were previously provided to you.  They will reflect all account activity including any charges, fees, credits and payments.  If you find any discrepancy on the billing statements please provide an explanation as to the discrepancy, along with any supporting documentation, and we will research.   We hope you find this information to be helpful.  Should you have any further questions or concerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I would be happy to assist you.     Sincerely,   Justina M[redacted]

We received your complaint, addressed to the Revdex.com, regarding the account referenced above.As the bank that issues HSN credit card accounts, Comenity Capital Bank is here to help with your account relatedconcerns. Your complaint was forwarded to my attention, and I appreciate the...

opportunity to assist you.I understand from your complaint that you were offered a HSN credit card that you were unaware was financedthrough Comenity Capital Bank. Additionally, you state that you were unaware that the credit card had a revolvingline that has an annual percentage rate of 27.8%. You state that you mailed in a check for the remaining balanceof $3,124.67 as well as requested the account be closed per your request. Lastly, you received a statement inthe mail stating you owe a remaining balance on the account of $208.20 which you believe is invalid. Weunderstand your concerns and apologize for any frustration this matter may have caused you.Our records indicate that we have previously responded regarding this issue on August 23, 2016. Pleasefind enclosed a copy of our previous response, as our position remains unchanged.As of the date of this letter, Bank records indicate your remaining balance is $130.60, this balance is foundto be valid.We hope you find this information to be helpful. To discuss suitable payment arrangements, or to discussyour intentions regarding the remaining balance, we recommend that you contact our Recovery team at(888) 788-2195 (TDD/TTY (888) 819-1918) for further assistance. They will be happy to assist you.Sincerely,Ashley R[redacted]Consumer Relations Specialist

Dear [redacted]We received your complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare 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 your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit account.We resolved your dispute in accordance with the dispute provisions of your credit card agreement, which are also outlined in the Billing Rights Summary contained in your monthly billing statements. Specifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:? Account information: Your name and account number? Dollar amount: The dollar amount of the suspected error? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:? We cannot try to collect the amount in question, or report you as delinquent on that amount.? The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.? While you do not have to pay the amount in question, you are responsible for the remainder of the balance.? We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if your dispute was submitted more than 60 days after the first billing statement on which the disputed charge appeared and you have fully paid for your purchase, you are not eligible to receive a credit or refund. Since you fully paid for the purchase at the time you submitted your dispute, you had no remaining amount due that we can forgive.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

Comenity Capital Bank has received your complaint regarding the above-referencedaccount. Comenity Capital Bank issues the Lending Club Patient Solutions credit account. Weare here to answer your questions and assist with your concerns.Your complaint states that you contacted the Bank before your...

first statement was due andadvised that your monthly payments were too high. You asked for the payments to be loweredand you were advised there were no options to lower the payments; however, if your account fellpast due, there may be other options for you. You state that your account fell past due and youreceived phone calls regarding your account being past due; however, no one offered to loweryour payments. You further state that after a year, you contacted the Bank to see if there wasanything that could be done to help you with your account and you were referred to MoneyManagement International, who sent the Bank a proposal to have the minimum payment loweredto $271.00 and we accepted it; however, despite making payments on the account each month,your account was written-off. You are requesting that this information is updated as you havebeen making your payments. We understand your concerns and apologize for any confusion orfrustration this matter may have caused you.Our records indicate that on March 23, 2015, a purchase of $11,000.00 posted to your accountand was placed on a 24 month waived interest equal payment plan, that was scheduled to expireon March 24, 2017. Purchases on this plan will not be assessed interest if the purchase is paidcompletely before the end of the promotional period. At the end of the promotional period, anybalance remaining on the plan is added to the regular revolving balance. At the end of thepromotional period, any balance remaining on the plan is added to the regular revolving balance.The customer is required to make equal monthly payments during the promotional period. Forexample, if the customer’s purchase is $1,200.00 and the plan lasts for 12 months, the customeris required to make an equal payment of $100.00 each month.Our records further indicate that on March 18, 2016, we accepted Money ManagementInternational’s proposal to allow you to make payments of $271.00 each month. Please beadvised that your account was seven billing periods past due and was in the process to be writtenoff.The only way to have avoided the account being written-off was if the full minimum paymentrequired at the time, was paid in full at the time of enrollment.Comenity Capital Bank has not found any billing errors and we are required to report factualinformation to the credit reporting agencies. As such, no updates will be made to your creditbureau report, as our reporting is valid.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Responsescc: Revdex.com

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues GameStop PowerUp Rewards credit cards. We are here to answer your questions and assist with your concerns.   We understand...

from your complaint that you have received several late fees due to the Bank’s payment cut off time. You state you were on a call with an agent on your payment due date and state the agent waited until after the cut off time to take your payment and you were advised that you would be assessed a late fee. You also state you had a payment that didn’t post due to a Bank error and you did not receive a phone call or email regarding the issue. You are requesting to have all of the fess refunded and a change to the Bank’s payment cut off time. We apologize for the inconvenience this matter may have caused you.   Please be advised, that payments must be made by the payment due date and before 6:00 p.m. Eastern Time (ET), if payments are being mailed. If your payment is being made online or by phone, payments must be made by 8:00 p.m. ET. For additional information regarding cut off times, please refer to page two of your billing statements.   Please be assured that your payment for $27.00 that was processed by phone on February 21, 2017, was credited as a same day payment and you were not assessed a late fee; however, the payment posted to your account on February 22, 2017.   Your payment of $27.00 made on January 21, 2017, was returned due to insufficient funds and you were advised of this information on your February 2017 billing statement.   The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $25.00 was issued to your account on March 21, 2016. Also, a partial late fee credit of $17.00 was issued on your account on June 27, 2016. Unfortunately, the Bank is unwilling to make any additional adjustments to your account for the previously assessed late fees.   In regard to your claim that a payment did not post due to a Bank error; we are unaware of an error that occurred in which your payment would not have posted. If you believe an error occurred on the part of Comenity Capital Bank, please provide more details so we can research.  Regarding payment cut off times, please understand the Bank offers multiple ways to make a payment by the cut off time.   Online: Online payments submitted before 8:00 p.m. ET can be credited to your account the same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your GameStop PowerUp Rewards 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. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.   Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.   The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely,    Ashley H[redacted]

Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding your Petland credit card account.  Comenity Capital Bank issues Petland credit card accounts, and we respond to all account-related questions.  Your complaint was forwarded to my attention, and I...

appreciate the opportunity to assist you. We understand your concerns regarding the interest that was applied to your Petland account, and apologize for the lack of information that you were provided by the Petland retail sales associates regarding your promotional plans. Furthermore, you state that you did not receive any reminders from the Bank in regard to the finance charges that would be added to your account.  You are requesting to have the amount of $447.25 be credited, as the minimum due was misleading. Please understand that Comenity Capital Bank and Petland are two separate entities.  The Bank is responsible for addressing questions related to the credit card account, while David’s Bridal is responsible for handling matters related to sales, merchandise processing, returns and shipping. After a thorough review of the account, Bank records indicate that a purchase of $1,500.00 was charged to the account on April 18, 2015.  The purchase was placed on a 12-month promotional plan with deferred interest, 1% payment required plan, scheduled to end on April 18, 2016. As agreed at the time of purchase, no interest would be assessed to the account should the balance be paid in full by the promotional plan end date.  On April 18, 2016, the above-referenced promotional plan was not paid in full; therefore, on May 12, 2016, the accrued finance charge of $447.25 was applied to the account. Per your Credit Card Agreement, repayment is to be no less than $25.00 per month.  With the promotion plan, your minimum monthly payment was set at the lowest available.  Please find enclosed a copy of the CCA for you review. Information about promotional plans is provided to our accountholders on their monthly billing statements in the “details of your plans” section.  Specifically, accountholders are instructed that should a balance not be paid in full, accrued finance charges dating back to the original date of purchase will be assessed to the account.  Enclosed, please find a copy of the monthly billing statements for your Petland credit card account for your review. We apologize if you felt mislead or taken advantage of in any way.  Comenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met. We hope you find this information to be helpful.  Should you have any further questions, please contact me directly at ###-###-#### (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Diamond L[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]