Comenity Capital Bank

The consumer rejected the response, as she is requesting a copy of the Credit Card Agreement (CCA). Please note that the CCA was sent via mail with the letter dated May 22, 2017. The consumer should receive the response within 7-10 days.Sincerely,[redacted]

Dear Gustavo B[redacted]:   We received a complaint, addressed to the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues ZALES outlet® THE DIAMOND STORE credit...

cards, and we are here to help with all account-related questions.  The correspondence was forwarded to my attention, and I appreciate the opportunity to respond.   We understand from the complaint that you were charged interest for three months and you contacted the Bank to complain and advise the terms for your purchase were to be interest-free.  You were advised by the Bank that your account was under investigation and to wait for the results.  You received a letter from the Bank and you were given credit for the interest charges; however, you were charged a late fee of $32.00.  You are requesting you receive credit for the $32.00 late fee and you want the ring you purchased to be fixed.  We apologize for any inconvenience this matter may have caused you.   Please be advised that the late fee of $32.00 was charged to your account on October 13, 2016, which was after your billing dispute was concluded on October 4, 2016.  However, please be assured that the late fee of $32.00 has been credited.   Please be advised that Comenity Capital Bank and Zales Outlet are two separate entities.  The Bank is responsible for addressing questions related to the ZALES outlet® THE DIAMOND STORE credit card account, while  Zales Outlet, is responsible for handling matters related to sales, merchandise, returns, delivery, and shipping.  For assistance with your merchandise, please contact the store at ###-###-####.   We hope you find this information helpful.  Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.   Sincerely,     Ashley H[redacted] Consumer Relations Specialist

I have already tried to negotiate with said business and they do not want to assist  Regards[redacted]

Cancel complaint, the business in question has agreed to remove late charge and correct late pmt. report.See company response below.Thanks.[redacted]

Dear Ms. [redacted] We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues ZALES outlet® THE DIAMOND STORE credit cards, and we are here to help with all account-related questions.  Your...

correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding having trouble accessing your account on our online Account Center.  You state you were originally able to view all account activity on Account Center; however, you later attempted to access the site but were unable.  You contacted the Bank regarding this matter and your registration information was deleted so you could re-register your account.  After you re-registered the account, you were no longer able to view all account activity.  You again contacted the Bank for assistance and are dis-satisfied with the service you received.  You are requesting compensation for the time spent in attempting to rectify the situation and to have a written complaint placed in each associate’s file who was unable to assist and resolve this situation properly.  We would like to apologize for any inconvenience this matter may have caused you. We have reviewed your account and the conversations that took place on your account.  Please be assured that Comenity Capital Bank strives to provide excellent customer service and is disappointed when this expectation is not met.  Telephone calls of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.  Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. We understand that you originally had problems accessing your account and attempting to reset your password/username on Account Center.  To assist you with your account, your online registration was deleted and required to you log on and enter a new user name in order to regain access to your account on Account Center.  We also understand that you are unhappy that you were unable to review your transactions that took place after February 19, 2016. Please understand that at that time you contacted the Bank, the transactions that you were inquiring about had not posted to your account; therefore, you or our associates, were unable to view the transactions.  Please be aware that transactions processed by ZALES outlet may take 48 to 72 hours to appear on your account.  Our records indicate that as of March 9 and March 10, 2016, the transactions have posted to your account and that you last accessed Account Center on March 16, 2016. Comenity Capital Bank respectfully declines your request for compensation. We hope that you find this information helpful.  Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Ashley H[redacted]

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

Dear [redacted]  Thank you for contacting Comenity Capital Bank regarding the above-referenced account.  As the bank that previously issued TigerDirect credit cards, 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 you are requesting that the fees assessed to the TigerDirect account in June 2015 are removed.  I am happy to share my findings with you.  As stated in the previous response, dated June 18, 2015, you were advised that your payment, due on June 18, 2015, would be removed, and your next payment will be due on July 18, 2015.    Please be assured that credits in the amount of $40.52, which include the late fee of $34.00 and the finance charge of $6.52 that were assessed to the account in June 2015, have been applied to the account.  These credits will appear on one of your next two billing statements.  We apologize for any confusion this may have caused you, and we hope you find this information helpful.  If you have any further questions about your account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely,                                                                                                 [redacted] Consumer Relations Specialist

I am writing you concerning my complaint ID [redacted] against Comenity Capital bank. Last week I did receive a check for $112.78 for restitution. The monthly bill did also show a $0.00 balance which I am satisfied with. In part I have realized that I was partly at fault. The VIP plus that Blair offers charges $14.97. After the first month and every month thereafter, unless the customer sends a decline "in writing", of which I did not know until their recent letter. I truly appreciate your assistance in handling this matter. When a customer calls the company, the automated answering service does not allow you to speak to "a person". So this is hwy a customer cannot solve problems on their own.Thank you for all you have done.Sincerely yours,[redacted]

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account. ComenityCapital Bank issues the Ideal Image credit accounts. We are here to answer your questions and assist with yourconcerns.We understand from your complaint that you made all of your...

payments on time and more than the minimumamount required, except for one payment. You state that you had one more month to pay when over $400.00was added to your account for charges and fees. Furthermore, you state that customer service has been rude.You are requesting to have the additional charges and fees removed from your account, so that you may makeyour final payment to pay off the balance. We sincerely apologize for any frustration you may have experiencedas a result of this matter.We have reviewed the concerns in your correspondence as well as the communication between you and theBank. We apologize if you felt you did not receive the best customer service. We never intend to treat ourcustomers in a less-than-satisfactory manner. We are committed to providing the best customer service andare disappointed when a customer feels this standard was not met.After further review the amount of $1,800.00 was applied to your account on March 21, 2015, on a 18 monthdeferred interest payment required promotion plan, due to expire on September 21, 2016. On September 21,2016, the above-referenced promotional plan still had a balance due of $227.00; therefore, the accrued financecharge totaling $401.37 was assessed to the account.Please be advised, as agreed upon at the time of purchase, no interest would be assessed to the account shouldthe balance of your promotional plan be paid in full as of the scheduled ending date. Furthermore, informationabout your promotional plan was provided to you on your monthly billing statements in the “Details of your plans”section. Specifically, accountholders are instructed that should a balance not be paid in full by the promotionalplan end date, accrued finance charges dating back to the original date of purchase, will be assessed to theaccount.As the Bank finds no errors, we regrettably deny your request for a refund of the finance charges applied to yourIdeal Image account as they are valid.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,[redacted]

To Whom it may Concern, Our Overstock Store Card is provided by Commenity Bank. As they are the Financial Institution for a few hundred other companies. Mrs. [redacted] has not contacted Overstock regarding this issue. She can contact Commenity Bank with the provided information...

below:Customers can contact a Comenity Capital Bank Customer Care Representative at ###-###-####. Representatives are available Monday-Saturday, 8:00 AM – 9:00 PM EST, closed Sundays and major holidays.Sincerly, Overstock

I do not trust this companies business practices and their "alternative facts". There were no statements attached, only a letter with the same response as in the email. This issue continues to occur with several hundred customers. Because I have no physical documentation of the fraudulent $44 charge, they win; however I do have documentation and audio evidence of the reversal of their $1 "finance" charge and the closing of my account with a $0 balance. I am happy with never having to business with this very unethical company. Regards,[redacted]

I did not accept the response due to the fact that the there is an unwillingness to resolve the issue of the reporting to the credit bureau.  I can obtain  bank account statements showing the payments were made and returned if needed, however there may be fees associated to obtain the paper statements, I will submit fees to commenity.   Regards, [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, and I appreciate the...

opportunity to assist you.   You state you ordered some clothing that did not fit, and you returned the items and paid for the postage.  You called to verify that the items were received, but your account was never credited.  You further state that you were treated rudely and you were told that you would be put in collections if you did not make the requested payment.  Although you have written to customer service, you have received no response except for the statement showing the original charges and late fees and shipping charges.  You are requesting for the account to be credited without any further collection efforts, and for the account to be closed, if necessary.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.    We have reviewed your account, and we are happy to share our findings.    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.    Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, sales tax (if applicable), as well as shipping and handling.  When the merchandise is returned, your account is credited for the cost of the merchandise and sales tax only; shipping and handling is not refunded.  Additionally, if you use the provided Smart Label for the return, your account is billed $9.99 for the cost of the return shipping.   On March 29, 2016, a purchase of $84.95 posted to the account.  On April 20, 2016, a billing statement was issued reflecting a balance of $84.95 and a minimum payment of $27.00, due by May 16, 2016.  As no payment was received, a late fee and a finance charge were assessed to the account, pursuant to the terms  and conditions of the Credit Card Agreement.         On April 25, 2016, a return credit of $71.96 posted to your account, and a charge of $9.99 posted to the account for one Smart Label fee.  On May 21, 2016, a statement was issued reflecting a balance of $51.98 and a minimum payment of $27.98, due by June 16, 2016.  Statements continued to be issued monthly, and as no payments were received, late fees and finance charges continued to be assessed.     Please be assured, Haband has issued a courtesy credit of $22.98 to remove the shipping and handling charges and one Smart Label fee.  In the interest of customer service, the Bank has issued additional credits totaling $133.93 to remove the previously assessed late fees and finance charges.  Your account balance, as of today’s date, is zero.      Notification has been sent to the national credit-reporting agencies, regarding the Haband account, with instructions to have the negative payment information removed from your credit bureau report.  Please allow the credit-reporting agencies up to 45 days to update this information in their records.    Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns.  Please be assured that we have reviewed the applicable telephone conversations.  We apologize if you felt you did not receive the best customer service.  We never intend to treat our customers in a less-than-satisfactory manner.  We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.   Your account remains open, and is in good standing.  If it is your intention to close your account, please contact our Customer Care team at (866) 482-4479.   We hope you find this information helpful.  If you have any further questions, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (888) 819-1918).  I will be happy to assist you.   Sincerely,   Laura R[redacted] Consumer Relations Specialist   CC:      Revdex.com

All documentation is on file with PayPal Credit & PayPal & Ebay for all dispute information you are requested to thoroughly research this matter as I have sent in all required information 3 times to PayPal. Please re read my refusal of your response. If Comenity Capital is not concerned about the business practices of its affiliates then I don't see the reason to be concerned about this account anymore. I dispute the accuracy of the account and the validity of all & any charges that have, may or will continue to accrue. The account is not accurate and I have made every attempt to rectify the problem. Your request for data which is on file with your affiliates is beyond reason. I just spoke with PayPal Credit Collections today and was not able to receive an explanation as to why the account is still not showing any disputes. I am quite confident per certified mail and fax transmission receipts in addition to recorded phone verification of receipt of disputes, add to this the multiple phone disputes and CFPB & Revdex.com disputes that the account has been MOST EFFECTIVELY DISPUTED ON MY END. WHY DOES THE ACCOUNT INFO NOT REFLECT THIS ON YOUR END????? Extremely frustrated, [redacted]

Comenity Capital Bank received the complaint for [redacted] In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 07/01/2017. Please let me know if this extension date is not approved. Thank you,

Dear Ms. [redacted] We are in receipt of your complaint regarding the above-referenced account. Comenity Capital Bank issues Lenovo credit card accounts, and we respond to all 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. In your complaint you state that you purchased a laptop online from the Lenovo website, and were offered the six months same as cash program. You advised that you never received your monthly billing statement, and contacted Lenovo directly, and you were directed to contact another phone number for assistance. You state that during this process, you reviewed your account online, and noticed you had received a late fee, which confused you due to your account being enrolled in the six month same as cash program. You note that you paid the balance off in full; however you received bank fees as a result of this matter. Lastly you state, you reached out to online customer service, who advised that the fees in question were valid. You feel that this system seems to be dishonest practice due to the program being same as cash for six months, which includes no interest an no fees. You are requesting Comenity Bank restore your credit and to remove the fees from your account as a result of this matter. We apologize for any frustration this matter may have caused you. Our records indicate that the original purchase of $870.24 was November 27, 2015; however the purchase was charged to the account on December 10, 2015, and was placed on a 6-month deferred interest, payment required, promotional plan, scheduled to end on May 29, 2016. As agreed upon at the time of purchase, no interest would be assessed to the account, should the balance of the promotional plans be paid in full as of the scheduled ending dates. However, minimum monthly payments are required each month as outlined in your Credit Card Agreement CCA. I have enclosed a copy of the account Credit Card Agreement (CCA). In addition, Bank records show monthly billing statements were sent to the address listed on your Lenovo credit card account on January 9, 2016, February 7, 2016, March 9, 2016 and April 8, 2016. Our records do not indicate that the monthly billing statements listed have been returned. In the interest of customer service, a credit of $99.00 has been issued back to your Lenovo credit card account. This credit should reflect on your next monthly billing statement, which you are able to review online. Lastly, we have updated your payment history for the months of January 2016 – April 2016, to read current. Please allow up to 45 days for the credit-reporting agencies to update their records. I hope this information has been helpful. Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Geanine M[redacted]

This response does not provide any opportunity for me to correct the debt without involving a collection agency, with a horrible track record of violating the FDCPA.  Their error, selling the debts on or January 2, 2017, and then forwarding their letters, dated January 19, 2017, deprived me of my rights to settle this matter.   I made the good faith effort to contact the company immediately upon receipt of the letters.  
Regards, [redacted]

Thank you for your assistance in having this incorrect charge removed.  This bank should be investigated re their charging customer for incorrect charges.  Can you imagine several senior citizens being charged AND not questioning these incorrect charges.  How can a bank make a charge thjat they have no record of it?  Again, my thanks for your help.  [redacted]

Dear Ms. [redacted]We received the complaint you sent to the Revdex.com regarding PayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. The PayPal 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 your PayPal Credit account is past due and you are unable to make your minimum payment. You also state PayPal Credit called your parents multiple times per day, without your permission, and provided your account balance. You are requesting PayPal Credit not contact your relatives regarding your PayPal Credit account.PayPal Credit's records reflect that your PayPal Credit account became past due on February 24, 2016 and on March 1, 2016, PayPal Credit began calling you regarding your past due balance. If PayPal Credit has trouble reaching you at the telephone number listed on your account, we will attempt to contact you at telephone numbers you may be associated with. These telephone numbers may have been provided on past transactions with PayPal Credit and/or linked to you via public records. Upon your request, any of these telephone numbers can be blocked to prevent future calls to that number from PayPal Credit.On March 4, 2016, PayPal Credit attempted to reach you at a telephone number linked to you via public record. When the call was made, PayPal Credit spoke to an individual who identified herself as [redacted]. Ms. [redacted] was then advised of the balance on the account and that the account was past due. At that time, Ms. [redacted] indicated the account belonged to her daughter and that you both have the same first name. PayPal Credit did not disclose any additional account information once they were aware they were not speaking to you. However, PayPal Credit was not informed that you could not be reached at this phone number.On March 10, 2016, you called PayPal Credit and requested to have your parents’ phone number removed from your account, and the agent blocked the number upon your request. Upon receipt of your complaint, PayPal Credit confirmed the third party phone numbers presently associated with your account have been blocked, and we will not call those phone numbers regarding your account. As of March 16, 2016, your account is past due with a balance of $2,057.36 and a minimum payment requirement of $147.98 due by March 21, 2016.We hope this letter explains this matter.Sincerely,Christina W[redacted]

To whom it may concern,   Sorry I didnt respond. I am enclosing letter received from comenity capital Bank. They refunded a credit for 9.99 and closed my accountThank you for all you do [redacted]