Comenity Capital Bank

Sorry about that, I just cashed the refund check three days ago.  I appreciate your help, thanks to everybody in your office, Thanks again.3-24-2017

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 06/30/2017. Please let me know if this extension date is not approved.

Dear Mr. [redacted]We received your complaint, addressed to theRevdex.com.  Comenity CapitalBank issues multiple retail credit card accounts, and we respond toaccount-related questions.  Your complaintwas forwarded to my attention, and I appreciate the opportunity to respond...

toyour concerns.Please accept our apology for any frustrationyou may have experienced regarding the decrease in the credit limit on youraccount.After a thorough review of our records, weare unable to locate an account using the information provided.  We are unable to resolve this matter withouthaving additional information to research your concerns.  Please provide the following information:The complete account number if applicable Socialsecurity numberAnyprevious addressesTelephonenumbers as listed on the accountAnyprevious names This information may be mailed to myattention at the address listed above, or faxed to ###-###-####.  Once this information is received, we shouldbe able to locate the account and further research your concerns.   We hope this information is helpful.  Should you have any other questions orconcerns regarding this letter, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely,   [redacted]Consumer Relations Specialist

Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Full Beauty (formerly OneStopPluscom)credit card accounts, and we are here to assist you with all account-related questions. Iappreciate the...

opportunity to respond to your concerns.We understand from your complaint that you believe all of your purchases were charged to yourPayPal account. You started receiving billing statements from Comenity Bank which showed abalance on an account that you were not aware was opened.Thank you for speaking with me on October 23, 2015. As discussed, please be advised that theBank has received your payment for the merchandise charged to the Full Beauty account.Additionally, we sent notification to the credit-reporting agencies to delete this account, in itsentirety, from your credit bureau report. Please allow them 45 days to update their records.We hope you find this information to be helpful.  Should you have any further questions orconcerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDDTTTY###-###-####) I will be happy to assist youSincerelyAmanda R[redacted]

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

[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]
They do not indicate that everything I have paid thus far will go towards Principle.  Overplayed already.
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

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

understand from your complaint that you never applied for a credit card and when you contacted the fraud department to dispute the account, you were advised no account exists; however, there is still an open account on your credit report. You are requesting the Bank close the account and clear it from your credit report. We apologize for the inconvenience this matter may have caused you.   Bank records indicate that you are listed as an authorized user on the Ultamate Rewards Mastercard credit card as a spouse. Because you are listed as a spouse, the account will also report on your credit report. Please be advised that authorized users have permission to make purchases on the account; however, the primary accountholder is responsible for the account, including payments and any purchases.   If you would like to be removed from the account as an authorized user, please contact us at ###-###-####. We will be more than happy to assist you.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely,    Ashley H[redacted]

Dear [redacted]We received the complaint you sent to the Revdex.com of Central Ohioregarding PayPal Credit. Your correspondence was forwarded to Comenity CapitalBank. The PayPal Credit product is issued by Comenity Capital Bank and serviced byBill Me Later, Inc. PayPal Credit is a...

payment option made available by manymerchants to their customers.Your complaint states you requested to unlink your PayPal Credit account from yourPayPal account so it could be linked with a different PayPal account. You state youwere told your request was completed, but the accounts remained linked. You arerequesting a statement credit and to have your PayPal Credit account unlinked fromyour PayPal account with the email address [redacted] and linked toyour PayPal account with the email address [redacted].PayPalls records reflect you called PayPal Credit on June 10, 2015, requesting to unlinkyour PayPal Credit account from your PayPal account. During this call, therepresentative submitted your request. You were also advised that after the accountswere unlinked, you could link your account to a different PayPal account by visitingwww.paypalcredit.com and selecting the option to link your accounts. Therepresentative recommended you wait to use your PayPal Credit account for purchasesthrough PayPal until your PayPal account was successfully unlinked.PayPal Credit's records indicate your PayPal Credit account was successfully unlinkedfrom your PayPal account on July 01, 2015. However, on July 3, 2015, you made apurchase using your PayPal account with the email address[redacted] to make a purchase and selected PayPal Credit as yourfunding source. This caused your accounts to link again. PayPal Credit apologizes forany confusion or miscommunication.Upon receipt of your complaint, PayPal Credit unlinked your PayPal Credit account fromyour PayPal account, per your request. To link your PayPal Credit account to anotherPayPal account, you can visit www.paypalcredit.com and click "Link." You can also linkyour accounts by logging into your PayPal account during checkout and choosingPayPal Credit as your payment method. Please be sure to enter the login details for thePayPal account you want linked with your PayPal Credit account.PayPal Credit is unable to honor your request for a statement credit. As stated above,the accounts were successfully unlinked on July 1, 2015. As of August 6, 2015, yourAccount is open with a balance of $3,236.29 and a minimum payment requirement of$95.1 9 due by August 15, 2015.We hope this letter explains and resolves this matter.Sincerely,Patricia L[redacted]

January 11, 2017     [redacted]
[redacted]
[redacted]
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*     RE:      [redacted]
[redacted]   Dear [redacted]:   ...

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the [redacted]'s credit card.  We are here to answer your questions and assist with your concerns.   Your correspondence indicates you have been receiving numerous collection calls from the Bank, and you have requested these calls to stop.  This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on the outstanding debt.  We want you to have a positive customer experience with the Bank, and we have already updated your phone number(s) ending in [redacted] and [redacted] with “Do not Call” instructions.   As permissible under the Fair Debt Collection Practices Act (FDCPA), when an account is delinquent, we make proactive attempts to contact the customer, communicate the situation and work out repayment arrangements to minimize any negative credit reporting impacts.  Many times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status.  We appreciate your business, and we want to share with you some options that are available to you in this type of situation.   Options:   We understand customers may experience difficulty making their payments due to economic factors. You may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout Program. These programs can provide customers with special terms in order to help bring the account current. If you are interested in obtaining information on whether you qualify for one of these programs, please call [redacted].  Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by the CCCS agencies.  Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at [redacted].   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,     [redacted]
[redacted]
[redacted] [redacted]
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[redacted]       [redacted]

Dear [redacted]We received an additional complaint, addressed to the Revdex.com, regarding the above-referencedaccount. As the Bank that issues Gardner-White credit card accounts, we are here to assistwith account-related questions. I appreciate the opportunity to respond to your concerns.We have reviewed the account, and our records indicate that the Bank previously responded to thiscomplaint on April 1, 2016. Please be advised that in that response, we advised that your paymentsare due on the 10th of each month. The Bank understands that you schedule your payments through yourfinancial institution on the 10th of each month. When scheduling payments through your financial institution,we ask that you schedule the payments seven days in advance to allow time for processing. Reviewingthe information you provided showing the history of your payments; we can confirm that the payments thatwere submitted before the 10th, were posted to your account by the due date. Payments submitted on the10th did not post to your account until after the due date.Our records further indicate that some of the payments we have received are for less than the minimumamount required. Please keep in mind that when payments are not received, are received after the duedate, or are made for less than the minimum required, the account may be assessed a late fee, as explainedin the Credit Card Agreement. To avoid further late fees, please refer to your statement, which shows therequired minimum payment. When scheduling recurring payments with your financial institution, you canelect to pay the full balance, the minimum amount due, or a fixed payment.Please be advised that Comenity Capital Bank offers the option to make payments online through ourAccount Center website. Payments that are scheduled online before 8:00 p.m. Eastern Time will post thesame day.Comenity Capital Bank has not found any errors with the account, and we are unwilling to remove any feesthat were assessed to the account, as they are valid.As of the date of this letter, the balance on your account is $989.01I hope that the information I provided is helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Jenny W[redacted]

Comenity Capital Bank (Bank) has received your 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 understand from your correspondence...

that you have been receiving statements on an account that you state was rendered invalid , as the Bank lost the Lenovo Preferred account in November 2016. You state the equipment was returned to Lenovo; therefore, no money is owed. You were informed when the device was returned that the restocking fee would be waived, as you were looking to purchase another model. When you called to place your order you were advised that the Lenovo Preferred account could not be used, as it was no longer offered through the Bank. You state the representative advised that the fees would be waived and the account would be closed. The account is building in debt due to the late fees and interest. You are requesting this be resolved.   We have reviewed the concerns in your correspondence, and I would like to provide you with the following information.   Please note Comenity Capital Bank and Lenovo are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Lenovo is responsible for handling matters related to sales, merchandise processing, returns and shipping.   Bank records indicate that that you previously spoke with us on December 19, 2016, and a dispute was submitted on your behalf, indicating that the account was only credited $500.49 and the credit should have been $582.99. Upon completion of our investigation you were sent a response dated February 13, 2017, which indicated that the merchant advised the Bank the $82.99 was for a restocking fee. The correspondence also provided you a copy of Lenovo’s return policy.   The Lenovo Preferred account was closed on February 13, 2017, as the program ended with Comenity Capital Bank.   Our records further indicate that we received a correspondence dated May 23, 2017, disputing the validity of the account from Attorney [redacted]. The attorney was provided a response validating the debt.   Billing statements were issued October 9, 2016, through October 9, 2017. Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement. As no payments have been made to the account, late fees and finance charges were assessed to the account.   While we understand your concerns, after a review of the account, we find that no adjustments are due.   The account balance is $327.46 and is currently six billing cycles past due. We suggest that you contact our Recovery department at ###-###-#### to set up suitable payment arrangements.   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] Compliance Dept. – Consumer Responses   cc: Revdex.com

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

appreciate the opportunity to assist you. We understand from the complaint that you made a purchase using the Flex Payment option. After returning this item you received a statement for the purchase and wrote to Comenity Capital Bank stating that you returned the item and will pay any shipping charges after the item has been credited. You state the next month you received a statement with a late fee and you would like to be credited for this fee, as you have mailed in a payment for the shipping charges. Additionally, you state your concern with the letter you received stating we have reported this information to the national credit-reporting agencies. We apologize for any frustration or confusion you may have experienced regarding this matter. After a thorough investigation, our Bank records indicate a courtesy late fee credit, in the amount of $21.00, was applied to your account on February 26, 2016. As of the date of this letter, your account balance is $0.00. Comenity Bank is required by law to report factual data to the credit-reporting agencies with regard to account activity. Please be advised that the previous correspondence was indicating that we will report that your HSN account has been closed per customer request. Please be assured that no derogatory payment information has been reported regarding your HSN account. We value you as a customer, and 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. Sincerely, Ashley R[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues The Tog Shop credit card. We are here toanswer your questions and assist with your concerns.We understand from your correspondence, submitted to the Better Business...

Bureau, that theaccount was opened in error and you dispute the charges. You state that you made a purchasefor a shawl in the amount of $14.97, and this is the only transaction placed on the account. Yourpersonal bank confirmed a payment to Comenity Bank in that amount on December 20, 2016.You are requesting to have all charges on the account reversed and the account closed.Please be assured that credits totaling $33.93 were applied to the account due to this matter. Asof the date of this letter, the account has a credit balance of $1.99. A refund check in this amountwill be sent to you within 14 business days under separate mailing.Additionally, the account was closed per your request on March 30, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee SmithCompliance Dept. – Consumer ResponsesCC: Revdex.com

Dear [redacted]Thank you for contacting Comenity Capital Bank regarding the above-referenced account.  As the bank that issues your J.Jill credit card account, we are here to help with your 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 complaint that your payments were not being applied to the above-referenced account.  You are requesting that the Bank provide you with full accounting of the charges, and payments and update your credit report.  I am happy to share my findings with you.Our records indicate that the concern regarding payments not being applied to your account was previously responded to on December 3, 2015.  Enclosed is the previous response for your records.Please find a summary of your J.Jill account below.  I have enclosed a copy of the account Credit Card Agreement (CCA), as well as copies of your billing statements which show the account activity that comprised the account balance. Please understand that the payments were not applied to the correct account, because the payments were remitted with your previous J.Jill account number.  As stated in our letter dated December 3, 2015, all of the missing payments, totaling $408.00, have now been applied to the correct account.  However, these payments did not satisfy the amount owed for purchases you have charged to the account.  Please review the enclosed statements.  The billing statement issued on February 21, 2015, indicates a balance of $312.22.  The billing statement issued on March 24, 2015, includes new purchases of $431.87.  Your previous balance of $312.22 plus the new charges of $431.87 brings your balance to $744.09.  Subtracting the payments of $408.00 leaves an amount due of $336.09.As indicated in our response dated December 3, 2015, if you pay $336.09, we will remove the account from your credit report, and you will not be held responsible for the remaining balance of late fees and finance charges. We value you as a customer and sincerely apologize for any confusion or inconvenience.  If you have any further questions about your account, or you would like to process a payment to resolve the balance, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.Sincerely,Renee S[redacted]

All issues and outcomes instigated by said business are not be resolved. Comenity have caused negative infractions on our account due to poor account handling. All acrued fees are because of said mishandling. I am requesting a fresh start on both accounts before any fees were implemented due to the blatant disregard of customer service. As well as a cease and decist. If this cannot be agreed upon I request that the account balance be zeroed out and further business with company completely halted, and future endevours with said company non existant. I wish for no business to be conducted with said company, if an agreement on present accounts cannot be settled upon. Thank for your time. Sincerely

We received your complaint, addressed to the Revdex.com, regarding your HSN creditcard account. Comenity Capital Bank issues HSN credit card accounts, and we respond to allaccount-related questions. Your complaint was forwarded to my attention, and I appreciate theopportunity to assist...

you.We understand from the complaint that you made a payment for $50.00 on March 23, 2016, and$500.00 on April 1, 2016, totaling $550.00 in payments, per the settlement amount agreed uponon March 23, 2016. You state that you are continuing to receive billing statements with a balancedue after completing your settlement payments. You would like your account to be closed and toreflect that the account has been paid in full.We understand your concerns, and sincerely apologize for any inconvenience this matter mayhave caused you.Bank records indicate that you made a payment for $50.00 on March 23, 2016; additionally, apayment of $500.00 was scheduled on April 1, 2016, with a Bank representative, to settle theaccount balance in full. Please be assured that these payments have satisfied the settlementagreement, and notification was sent to the national credit-reporting agencies to indicate that theaccount was paid in full for less than the full balance. Please be advised that the account wasclosed on April 1, 2016.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-888-819-1918). I will be happy to assist you.Sincerely,Ashley R[redacted]Consumer Relations SpecialistCC: Revdex.com

Response sent to consumer.

Dear [redacted] We have received your correspondence sent to the Revdex.com (Revdex.com) regarding PayPal Credit, which was forwarded to Comenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, Inc. PayPal...

Credit is a payment option made available by many merchants to their customers. Your correspondence states you received a bill from [redacted] 
[redacted] collecting on behalf of Comenity Capital Bank, for a PayPal Credit account that you are unfamiliar with. You are requesting information about the account and to have any inaccurate information removed from your credit report. PayPal Credit’s records reflect that your PayPal Credit account was opened on October 5, 2015, with your purchase of $4,921.93 to fund the down payment of a timeshare with [redacted]). In order for a PayPal Credit purchase with WVR to post to a PayPal Credit account, the consumer must receive and read the Terms and Conditions and initial and execute the “Acknowledgment of Application for and Use of a PayPal Credit Account” (Acknowledgment). PayPal Credit’s records show you initialed and executed the Acknowledgment on October 5, 2015. As such, you agreed to the following statement, “I acknowledge that I have received the Terms and Conditions of the PayPal Credit Payment System document and I understand and agree to all the terms contained in the document.” Your purchase qualified for “No Payments + No Interest if paid in full in 6 months” promotional financing until May 7, 2016. This purchase did not require a minimum monthly payment, and as long as the promotional balance of $4,921.23 was paid in full by May 7, 2016, you would not receive any interest charges. No payments were received and when your promotional financing expired on May 7, 2016, you were charged accrued deferred interest in the amount of $587.54 on May 10, 2016. PayPal Credit’s Terms and Conditions state, in part, "If you do not pay the balance in full by the Expiration Date, you will be charged interest from the transaction posting date." On May 25, 2016, PayPal Credit received a refund in the amount of $4,921.93 from [redacted] and the refund was applied to your account; however, a balance of $660.25 remained on the account. On June 10, 2016, your account became past due and subsequently charged-off on December 11, 2016 with a balance of $713.65. Please note, during this time, on July 26, 2017, PayPal Credit found returned mail for your account billing statements and as a result, PayPal Credit issued credits to your account totaling $118.56 for late fees and finance charges that had previously assessed. Beginning December 15, 2016, your account was referred to [redacted]), in an attempt to collect the past due balance on your account. On February 27, 2017, you called [redacted] in regard to a letter you received and stated you never had a PayPal Credit account. Although you spoke with multiple [redacted] representatives, the call was disconnected before any investigation was able to be initiated regarding the account. Upon receipt of your correspondence, PayPal Credit reviewed your account for fraud and did not find any suspicious activity in connection with your account. Please be assured, the entire purchase was refunded by [redacted]; therefore, PayPal Credit waived the deferred accrued interest charges from May 10, 2016, as well as late fees and interest charges that subsequently assessed to your account since the returned mail fee waiver. As a result, an additional $70.00 in late fees and $643.65 in interest charges were waived. As of the date of this letter, your account has a zero balance, and you will no longer receive collection phone calls or notices. In regard to your concern about negative credit reporting, please note that aside from the initial credit inquiry when your account was opened, PayPal Credit does not report the status of your account to the credit reporting agencies. As of today’s date, March 8, 2017, your account is closed with a zero balance. We hope this letter explains and resolves this matter. Sincerely, Jennifer P[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the Ultamate Rewards credit card. We arehere to answer your questions and assist with your concerns.In your correspondence you state you opened a credit card and paid the...

bill the day that it wasdue; however, the payment was not processed until the following day. You received a bill with alate fee and interest added, and you paid the bill in full again. Months went by and you didn’t hearor receive anything from the Bank. Then you received a final notice with several months of Bankfees added on. You called Customer Care and the representative advised there was nothing hecould do, since the bill was paid late. You talked to a supervisor and state you were advised itwas the Bank’s error and she would zero out the balance. Then you started receiving collectioncalls stating the account was past due. You explained the situation and the representative statedthey would take care of your account. At this time you requested your account to be closed. Lateron the same day you received an additional phone call, you again explained to the representativewhat took place earlier in the day, the representative stated she sees the notes on the account,and would escalate the account to a supervisor. The following month you received another billwith additional fees. You called and the call was escalated twice. You requested the account tobe closed, and the representative advised you he would fix the account. Later you received aletter in the mail stating the account had been closed; however, there was still a balance. Anotherphone call took place and you were advised by a representative they were not able to assist. Youare requesting the Bank update your account and credit bureau, and you want full credit for whatyou have paid on the account.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversations. We apologize that adjustments were not completed as promised. Comenity CapitalBank strives to provide excellent customer service and we are disappointed when that standardis not met. Please be assured matters of this nature are forwarded to management, so additionaltraining can be provided to our associates. Your opinion of our service is important to us, and weappreciate you bringing this matter to our attention.Please be assured notification was sent to the credit reporting agencies with instructions toremove the delinquencies that were reported for the account. Please allow 45 days for theirrecords to be updated.We respectfully decline your request to be refunded for the payments made to the account.However, the Bank adjusted the remaining balance which resulted in a credit of $1.84. A refundcheck has been issued and should be received in 7-10 days.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses

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

payments and about the amount of the payments you sent in. You state you sent in $85.00 for five months, and not $80.00 as the Bank has stated. You further state you feel the Bank has overcharged you in interest, as you were told the interest is 9.9%. You are requesting that the Bank lower the interest on your account and remove the late fees. I understand your concerns and apologize for any confusion or frustration this may have caused you.Our records indicate on January 9, 2016, a purchase of $3,090.00 posted to your account and was placed on a 48-month low Annual Percentage Rate (APR) (9.99%) equal payment plan that expires on January 12, 2020. Purchases on this plan will have a lower APR than the regular revolving APR and will have minimum payments of the same amount each month. Please be advised that based on the amount of your purchase and the promotional plan the purchase was placed on, your minimum monthly payments were divided equally for 48 months; therefore, making your monthly payments $80.00.A statement was issued to you on February 1, 2016, showing a balance of $3,110.36 with a minimum payment of $80.00 due by February 27, 2016. The Bank received a payment of $80.00 on February 25, 2016. Thank you for that payment.On March 1, 2016, a statement was issued to you showing a balance of $3,055.00 with a minimum payment of $80.00 due by March 27, 2016. Bank record indicate that a payment by phone was processed on March 28, 2016. Please be advised that when a payment is processed by phone, there is a processing fee of $9.00. Furthermore, as a result of the payment being made after the due date, a late fee was assessed to your account. Please be advised that as a result of your account being charged for the pay by phone fee of $9.00 and the late fee of $25.00, your account now had a revolving balance of $34.00, which is subject to normal finance charges. Furthermore, the late payment and the pay by phone fee caused your minimum payment to be increased from $80.00 to $85.00. There was a statement issued to you on April 1, 2016, showing you a balance of $3,034.91 and that statement showed a minimum payment of $85.00 due by April 27, 2016. The Bank received a payment of $85.00 on April 26, 2016.Bank records further indicate on May 9, 2016, a partial credit of $15.00 posted to your account for the late fee that was previously assessed to your account. Furthermore, the Bank received a payment of $2,721.37 on September 27, 2016. Since this payment did not satisfy the full balance, a billing statement was issued on October 1, 2016, indicating a balance of $22.71 and a payment of $22.71 due by October 27, 2016. We have enclosed copies of your billing statements for your records. Please be assured, Bank records indicate payments of $85.00 were received from April through August 2016.Our records further indicate the Bank has not received a payment since September 2016 and your account is currently three billing periods past due.Although Comenity Capital Bank did not find any errors with the account, we have issued a total credit of $125.42, for the previously assessed late fees and finance charges. In addition, we have updated your payment history to show that your account was not delinquent with us.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]