Comenity Capital Bank

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]

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

understand that you paid off your balance in March, and in May you received a billing statement reflecting two late payments. You state that you made the payment same day and the payment was not honored until the next day which resulted in a late fee assessment. The following month you were not sent a notice so in May you were assessed an additional late fee. You are requesting to have both late fees removed from the account. Bank records indicate the online payment you made on March 20, 2017, for $175.37 was submitted at 1:15 a.m. Eastern Time (ET) which was before the cutoff timeframe of 8:00 p.m. ET for same-day processing; therefore, this payment was posted to your account on March 20, 2017. Please be advised that your account’s payment due date is the 19th of every month. This payment was made, and posted to the account the day after it was due. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Your April 2017 billing statement went out on March 29, 2017. There is no indication of return mail on your account. I have enclosed a copy of the April 2017 billing statement for your records. As a courtesy, a late fee was credited in the amount of $25.00 to the account on November 16, 2015. We respectfully decline to remove any additional late fees. As of the date of this letter the account balance is $58.07, with a minimum amount of $32.00 due by May 19, 2017. 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, Diamond L[redacted]

Dear Mr. [redacted]Comenity Capital Bank has received your complaint regarding the above-referenced account.Comenity Capital Bank issues the Haband credit card account. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that Haband continues to charge you...

each month forpurchases you have not made. You state you have attempted to resolve this problem withHaband, but continue to be charged. Furthermore, you state that if you refuse to pay, there willbe a late fee charge. We understand that you want to be removed from the mailing list and nolonger want the credit card.We recently received your dispute in regard to this situation and you were found not responsiblefor the related charges. The account has been closed per your request as of November 25, 2016.The balance on the account is zero.Please be advised no late fees have been charged to your account.We have requested the cancellation of catalogs and any direct mailings. Please allow 6-8 weeksfor these to stop.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 ###-###-####. I will be happy to assist you.Sincerely,Diamond L[redacted]

Because I have already talked with several managers and they all give me the same response. They say they will look into it, but they...

don't. I'm tired of getting the run around from them.  I would just like my $58.00 back that they charged me for the unnecessary late fee.  The Account is paid in full.

I noticed on my current balance is not going down. Today it says $2727.26. I have been paying on it over a year. In June 12, 2016 the balance was $2901.41. I paid $100.00 on 06/19/16 so the balance should be $2801.41. In 7/19/16 I paid $116.00 so the balance should be $2685.41. I paid in 8/19/16 $114.00 so the balance should be $2571.41. I paid in 9/19/16 $111.00 so the balance should be $2460.41. I paid in 10/16/16 $109.00 so the balance should be $2351.41. They don't deduct until 19th of the month but still that is a huge discrepancy. They are completely cheating me and they need to fix that because its fraud. They need to calculate the correct current balance on my account and make it right.My current balance is suppose to be $2351.41. They need to make it right.

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

forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from the complaint, a charge of $100.00 has been applied to your HSN credit card account, without your knowledge, by Comenity Capital Bank.  As a fair resolution, you wish to no longer be responsible for making your credit card payments and to get rid of the credit card account.  We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matter. We have reviewed the account and we are happy to share our findings.  Bank records indicate that your HSN account was opened on November 4, 2008; use of the account or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA) indicated your acceptance of the terms of the agreement, including the monthly interest rate.  Bank records further indicate that your HSN credit card account is a regular revolving account with an annual percentage rate (APR) of 26.99%.  Each month that the account has an unpaid balance, a finance charge will be assessed at the end of each billing cycle, pursuant to the CCA.  To avoid having additional finance charges assessed to the account, please remit a payment of $3,857.25, on or before November 15, 2015, for the account balance. If you are not able to remit a payment for the balance in full, we encourage you to contact the National Foundation for Credit Counseling at ###-###-####, to obtain information regarding the programs offered by Consumer Credit Counseling Service (CCCS).  CCCS programs can provide options such as reducing the monthly interest rate and the minimum payment requirement, for all of your creditors.  Comenity Capital Bank supports and participates in programs provided by Consumer Credit Counseling Service (CCCS) organizations. Please be advised, your HSN credit card account has been closed, per your request.  If your intention was not to close the above-noted account, please contact me within 7 days from the date of this letter and I will be more than happy to reopen the account.  We value you as a customer.  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]

I will not pay this bill until the paymetns I made were taken off my bill instead of adding them onto the bill. I have a lawyer and I will engage him! This has not been handled right.Shirley Twaddl

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the HSN credit card. We are here to answeryour questions and assist with your concerns.We understand from your correspondence that you made a purchase to your HSN account...

in themonth of July and did not receive a billing statement. You state that you spoke to a representativethat advised that the billing cycle had not closed, however; the billing statement never arrived.You state that you recently contacted the Bank and were advised that your account had two latefees. You noticed a late payment on your credit report. When you contacted the Bank you wereadvised that your account was two months past due, at that time you were also advised that theaccount is enrolled in electronic statements. You state that you never signed up for electronicstatements. Furthermore, you are requesting the removal of the late fee, and the derogatorymarks from your credit bureau report. Additionally, you state that you will take the hit and cancelthe account.Your account was registered through our online Account Center on January 22, 2017, whichprovides account holders the ability to view statements and make payments online. On January22, 2017, you enrolled in paperless statements, meaning you will receive your statements onlineversus postal mail. When enrolled in paperless statements, we will send you a monthly StatementReadyEmail (SRE) notifying you the statement is available to be viewed.The last SRE was sent on October 6, 2017, and we do not have record of emails being returnedas undeliverable from the email address you provided. If you wish to cancel your enrollment inpaperless statements, please log in to Account Center and update this preference, or contact ourCustomer Care department at the phone number on the back of your card.We understand your concern regarding your credit report. We have verified we are reporting theaccount correctly to the credit reporting agencies as we are required by law and will not bechanged.The account is currently open, if you would like the account closed, please contact our CustomerCare department at the number listed on the back of the HSN credit card.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,Rosa M[redacted]Compliance Dept. – Consumer Responses

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Ideal Image VIP credit card. We are here to answer your questions andassist with your concerns.Your correspondence indicates your concern about the finance charges...

that were assessed to your accountin connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide you with thefollowing information.The October 2, 2015, purchase for $3,786.50 was placed on a 24 Month Deferred Interest PaymentRequired Plan with an expiration date of October 3, 2017. Under the terms of this promotional plan, intereston the purchase is deferred until the plan expires. This means that interest on this purchase was accruingmonthly from the original purchase date but was not being applied to your account. In order to keep theaccrued finance charges from being applied to your account, the entire promotional purchase amountneeded to be paid in full by the promotional plan’s expiration date. This promotional purchase was not paidin full by the expiration date mentioned above; therefore, the accrued interest was applied to your account.The details of your promotional plan as well as the expiration date were present on each billing statement.Your account was registered through our online Account Center on October 19, 2015, which providesaccount holders the ability to view statements and make payments online. On the same date, you enrolledin paperless statements, meaning you will receive your statements online versus postal mail. When enrolledin paperless statements, we will send you a monthly Statement-Ready Email (SRE) notifying you thestatement is available to be viewed.While we understand your concern, after our review of your account, we have determined the balance isaccurate and no adjustments are needed. If you have any questions or concerns, please feel free to contactme at (800) 820-8932.Sincerely,Laura R[redacted]Compliance Dept. – Consumer Responses

Dear [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Draper’s & Damon’s 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 in your complaint that you ordered a suit from Draper’s & Damon’s.  You further state that although you returned the suit, and used the enclosed return shipping label, you continued to receive bills.  You do not know why you are being charged for items which you have returned, and you have been receiving calls from the Bank.  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 find enclosed copies of your monthly billing statements, for your review.      Please understand that Comenity Capital Bank and Draper’s & Damon’s are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Draper’s & Damon’s is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling.  When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded.  Additionally, if you use the provided label for the return, your account is billed $9.99 for the cost of the return shipping. Our records indicate that on September 16, 2014, a purchase of $226.96 posted to the account.  On October 3, 2014, the suit was returned and a credit of $193.98 posted to the account.      On October 2, 2014, a billing statement was issued reflecting a balance of $32.98 and a minimum payment of $20.00 due by October 28, 2014.  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 (CCA).  Statements continued to be issued monthly, and as no payments were received, late fees and finance charges continued to be assessed to the account.    On April 17, 2015, Draper’s & Damon’s issued a credit of $9.99 for the return label fee, and on April 22, 2015, a payment of $22.99 posted to the account; however, a balance of $212.55 remained. On July 2, 2015, the account was permanently closed and written off as an unpaid debt with a balance of $258.29.   In the interest of customer service, we have issued credits totaling $258.29 to remove the late fees, finance charges, and shipping and handling fees from the account.  Your account balance, as of today’s date is zero.   Due to this account being reported as a charge off, Comenity Capital Bank has sent a request to the national credit-reporting agencies to delete the Draper’s & Damon’s account from your credit report.  Please allow the credit-reporting agencies 45 days to update their records.   We hope you find this information helpful.  If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely,  Laura R[redacted]

Dear Mr. [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 productis issued by Comenity Capital Bank and serviced by Bill Me Later, Inc. PayPal Credit is apayment option made...

available by many merchants to their customers.Your complaint states you recently opened a PayPal Credit account; however, you havebeen unable to use the account to complete purchases on E-bay. You contacted customerservice several times and were told to wait 48 hours before attempting the purchases again.You are requesting for your credit line to function properly.PayPal Credit's records reflect your PayPal Credit account was opened on September 30,201 5, with an online application through your PayPal account. PayPal Credit approved yourapplication and an account was opened.On September 30, 2015, you attempted to pay for a purchase in the amount of $118.82using your PayPal account with PayPal Credit selected as the funding source. Thistransaction was declined, because PayPal Credit detected potentially fraudulent activity inconnection with this transaction. On October 1, 2015, you attempted another purchase inthe amount of $67.88 using your PayPal account with PayPal Credit selected as the fundingsource. This transaction was also declined, because PayPal Credit detected potentiallyfraudulent activity in connection with this transaction. Please note, when you use PayPalCredit to pay for a purchase, PayPal Credit will review the details of each transactionattempt and compare it with the information on your account. If the information doesn'tmatch, the transaction will be declined to prevent fraudulent activity and protect the securityof your account. As a result of these potentially fraudulent transactions, your account wastemporarily revoked to prevent any additional activity.You contacted PayPal Credit customer service several times between October 1, andOctober 2, 201 5, to discuss your account. During the first call on October 1, you were askeda series of security questions pulled from various public records to verify your identity. Youwere able to provide the correct responses to these questions, and the representative wasable to resolve the issues on your account. Your account was reinstated and you wereasked to wait 24-48 hours for processing before you reattempted the purchase.Following these phone calls, you again attempted to use your PayPal account with PayPalCredit selected as the funding source to pay for several purchases. These transactionswere again declined because PayPal Credit detected potentially fraudulent activity inconnection with the transactions. On October 3, 2015, your account was again temporarilyrevoked to prevent any potentially fraudulent activity.You contacted PayPal Credit two times on October 5, 2015, regarding your account. Duringthe first call, the representative verified your identity and advised your PayPal Creditaccount had been reinstated. The representative also told you that you would be able to usethe account within 5 minutes. Unfortunately, the first representative should have told you towait 24-48 hours to reattempt your purchase, and we apologize for any confusion thiscaused. However, the second representative you spoke with this day did provide the correctinformation. You were asked to allow 24-48 hours for processing before your PayPal Creditaccount would be an available funding source in your PayPal wallet. Once reinstated, yourPayPal Credit account was immediately available for use with merchants that acceptPayPal Credit for payments directly (outside of your PayPal wallet).PayPal Credit's records show your PayPal Credit account is active and open and availablefor use. Two purchases did successfully post to your account on October 7, 2015: one inthe amount of $63.98 with EBay merchant doaa Ibrahim, and one in the amount of $16.45with the EBay merchant Munster Home Products.Although from PayPal Credit's perspective it appears your concerns have been resolved,please note that PayPal Credit and PayPal are separate accounts. Even though yourPayPal Credit account has been reinstated and is available for use, PayPal also hascontrols in place to prevent fraudulent activity on your account. It is possible that PayPalcontrols may prevent your PayPal Credit account from showing as an available fundingsource in your PayPal wallet. For assistance with your PayPal account, please contactPayPal directly using the information below:[redacted]As of October 16, 2015, your account is active and open with a balance of $80.43.We hope this letter explains this matter.Sincerely,Patricia L[redacted]

I have provided sufficient information to prove that I did not receive any services that should have been provided by American Laser Skin Care. I do not accept Comenity Bank's reason because they informed verbally that I did not receive my full refund because my dispute was filled after the 60 day window. American Laser Skin Car was not opened for 60 days from the transaction date and [redacted] was able to provide my financial and patient history. I have attached that information to this rejection.[redacted] in [redacted] has access to all the former American Laser Skin care patients information because the same doctora and nurses are now operating under that name.
Regards,
[redacted]

If I was told it would be a hard-pull on my credit report I would never agree to it.  When I was on the phone call with Comenity capital for Pottery Barn, the customer service rep assured me NO HARD PULL would be done. Why are you letting your employees lie to us consumers like that?  I'm sure it was a recorded call as well.  Comenity needs to work on ethics.You say you cannot remove hard inquiries but change them to soft- ok, but there are already soft inquiries on my report from Comenity for pottery barn, Meijer and Fuel rewards....so I'm not sure why you guys soft pulled me and hard pulled me within hours of each other? Makes no sense.  Please remove hard inquiries of Fuel Rewards, Pottery Barn and Meijer.Good Day.
Regards,
[redacted]

Comenity Bank has received your correspondence that you sent to the Revdex.com, regarding the above-referenced account.  Comenity Bank issues Total Rewards® Visa®  accounts.  We are here to answer your questions and assist with your concerns. We understand your...

concerns as explained in your correspondence.  You state that the Bank charged you for a $3,200.00 balance transfer that did not reach the intended recipient; as there was no account number provided on the check.  You state the Bank refuses to resolve the mistake and is charging you for the amount of the balance transfer plus fees.  You are requesting the balance transfer to be corrected or reversed. Our records indicate the Bank previously received disputes regarding the same concerns referenced in this correspondence.  Please be advised that we have responded to your concerns.  I apologize for any inconvenience or frustration this situation may have caused you. Bank records show that on October 23, 2016, a balance transfer in the amount of $3,200.00, and the $32.00 balance transfer fee, were applied to your account.  The balance transfer was processed and the funds were issued to [redacted] Cards.  As the transaction has been completed, the Bank cannot stop the payment, or cancel the balance transfer. Enclosed is a copy of the cancelled check for your records.  Please contact [redacted] Cards regarding the transfer, as the funds were paid to them on November 2, 2016.  In addition, as a courtesy, a $32.00 credit was previously issued for the balance transfer fee that was assessed to the account.  No additional fees have been assessed to the account in regard to the $3,200.00 balance transfer.  I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.                                 �...⇄ Sincerely,   Tionna M

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

complaint, that in July 2016 you applied for the above-noted account to finance dental work for yourself and your husband, with the benefit of paying it off by January 2018 without interest. You spoke with a representative in July 2016, who informed you to pay $190.00 per month, for the no interest plan. You received the statement and the minimum payment due was $64.00; however, you paid the $190.00. You spoke with a representative in August 2016, who informed you to pay $143.00 a month. You made payments by the 20th of each month, as you understood that was the due date. In October 2016, you were informed to pay $207.00 monthly. You don’t understand why the payments fluctuated each month. When you received your March 2017, statement you noticed a late fee, and when you gathered all of the statements you realized each month the account was assessed a late fee. You request to have the late fees removed. I am happy to share my findings.   Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Please be advised, the due date is the 16th of each month. Additionally, the amount you must pay each billing period is the total of minimum payments for regular revolving and promotional credit plan purchases plus any past due amounts. The minimum payment due for each regular revolving credit plan will be the greater of:   $5.00; or5% of the new balance shown on your statement of that credit plan (rounded down to the nearest $5.00). Bank records indicate that when you contacted the Bank on July 26, 2016, you informed the representative that you heard on the automated system that there was a payment due by August 16, 2016. The representative confirmed that the due date was the 16th and that a statement was recently issued. On this call the representative advised that with the charge of $1,610.00 divided by 18 months, if you paid $90.00 a month it would be paid in full within the 18 month timeframe. On your phone call to the Bank on August 25, 2016, you called to ensure you were sending enough payments. The representative confirmed, based on the minimum required payment, that your payment of $190.00 was enough.  On your phone call to the Bank on September 14, 2016, you wanted to see what the balance was to ensure that you paid it off, interest free. The representative advised you that based on both charges of $1,610.00 and $2,100.00, to avoid any interest, to pay $207.00 a month.  On March 30, 2017, per your phone call, the representative did credit the account $37.00 for one of the previously assessed late fees. Due to no Bank error, we respectfully decline your request to remove any additional late fees. Additionally, when a late fee is assessed and there is a promotional plan, the late fee creates a revolving balance. Due to two late fees not being paid, $2.01 in finance charges were assessed on the revolving balance.   There is currently a balance of $1,805.00. Your promotional plan with the initial balance of $1,610.00 expires January 9, 2018. Your promotional plan with the initial balance of $2,100.00 expires January 29, 2018.  Please keep in mind, under the terms of your promotional plans, interest on the plan balance is deferred until the plan expire. This means that interest on each purchase is accruing monthly from the original purchase date, but is not being applied to your account. In order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needs to be paid in full by the promotional plan’s expiration date. If the promotional purchase is not paid in full by the expiration date mentioned above, the accrued interest will be applied to your account. The details of your promotional plans, as well as the expiration dates, can be found on each billing statement.       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] Compliance Dept. – Consumer Responses

I am writing this letter about a situation concerning payments and returning all my money back with sending all bowls back including a retune label at there expense.The bank sent me a credit card that I did not request. Also, I have not used it to purchase anything.Here are some copies of payments, my local bank could not obtained for 2015. I talked with the local bank personal on 9/6/2016 to see how long it's going to retrieve the information. She could not get 2015 receipts at this time. I will have to call and request receipts at the branch office.I am still requesting a free return shipping label and all my money back, also discontinue any activities with this unwanted credit card.Thank you,[redacted]

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

opportunity to assist you. We understand from your complaint that you were notified by Comenity Capital Bank and HSN that you owed money for merchandise that was returned.  Additionally, you state that you provided documentation to confirm that the returned merchandise was received, and that you remitted payments totaling over $635.00 to the Bank.  You are requesting reimbursement for the payments received and an update to your credit file, due to this matter.  We understand your concerns, and we sincerely apologize for any frustration you may have experienced.  Please note that Comenity Capital Bank and HSN are two separate entities.  The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.  After a thorough investigation, Bank records indicate that the following items were not returned to the HSN credit card account.  These items include:  Dr. J. Graf M.D. Rejuvenation Retinol seven-piece Kit (Order #[redacted])Acer 23" Touch 4GB RAM 500GB Quad-Core All-In-One PC (Order #[redacted])Visual Land seven inch Tablet (Order #[redacted])Lancome Grandiose Mascara and Le Curler Set (Order #[redacted])Professor Amos Shock It Clean Extreme Cuke/Mln Concentrate Kit (Order #[redacted])  On your behalf, we contacted HSN regarding the receipt of the returned merchandise listed above.  HSN confirmed that their office has no record of receiving the items, and that the only communication they had with you was on April 19, 2014; regarding your desire to return an Asus eight inch Tablet.  In order to further investigate this matter, HSN requests that you supply a copy of the tracking information for the merchandise to their corporate office at HSN, [redacted].  You may also contact them directly at ###-###-####.   Furthermore, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling.  When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.  In addition, if the provided EZ return label is used to return the package, the return label fee is deducted from the overall return credit.  Please be advised, the EZ return label was used to return the Ming Tsai seven-piece Cook Set with Recipes, the Power Now! 3,000 MAH, and the Rhonda Shear Seamless Tops; therefore, full credit for the merchandise was not received.    Based upon the information provided by HSN, the Bank declines your request for reimbursement, since the account had a valid balance at the time the payments were received.    Although the Bank found no billing errors, on February 10, 2015, we issued credits totaling $166.48 for previously assessed Bank fees.  On May 22, 2015, an additional credit of $59.85 was issued for the remaining account balance, which included merchandise that was not returned to HSN.  Lastly, in the interest of customer service, notification has been sent to the credit-reporting agencies with instructions to remove the reported delinquency for November 2014 through January 2015, with regard to the HSN account.  Please allow the credit-reporting agencies 45 days to update their records.  For your review, we have enclosed copies of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus.  We hope you find this information to be helpful.  If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely,  Lauren S[redacted] Consumer Relations Specialist

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the My Place Rewards credit card. We arehere to answer your questions and assist with your concerns.Your complaint states that you and your family members have been...

receiving numerous collectioncalls from the Bank, which you consider harassment. You indicate that the associates are rudeand threatening. You have requested no further contact with the Bank, and that the debt be wipedout.This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance.We previously received and responded to correspondence submitted to the Consumer FinancialProtection Bureau, on your behalf, from Erin Richmond, regarding this same matter. Please findenclosed a copy of our response sent to you on April 20, 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,Shawnda Y[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Blair credit card account. We are here to answer your questions and assist with your concerns.   You state in your additional complaint that the Bank has not explained why a credit report has to be pulled when the account is in good standing. You also state that the Bank did not elaborate on why the reward was not honored. Additionally, the Bank mentions that something changed on your credit report; however, the Bank has not specified what changed.   I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Please note that the Credit Card Agreement gives us the right to investigate customer credit records at any time. As advised in our previous correspondence dated July 10, 2017, you are not able to use the account at this time because during a periodic review of your general credit profile, we received notification from a national credit reporting agency that there has been significant changes to your credit bureau report.   Additionally, the reward can only be used in conjunction with the account. If the account is not allowing purchases to be authorized, the reward cannot be utilized.   If you have any questions regarding the information in your credit bureau report, please contact the credit reporting agencies directly. The Bank is not able to provide you with a copy of your credit report or explain the changes, as we are not a licensed credit reporting agency. You may utilize this information to contact them: I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at [redacted].                                         ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses

Dear Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account reference above. Comenity Capital Bank issues ZALES THE DIAMOND STORE accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to...

your concerns. We understand that you recently filed a Revdex.com (Revdex.com), complaint regarding the expiration of your most recent promotional plan. We would like to apologize for any inconvenience this mailer may have caused you. Our records indicate that a purchase of $2,799.71 was charged to the account on February 7, 2015. The purchase was placed on a no interest for 12 months, payment required plan that expires on March 5, 2016. As agreed at the time of purchase, no interest would be assessed to the account should the balance be paid in full as of the scheduled ending date. The information was provided on all billing statements provided to you by Citibank and Comenity Capital Bank. Enclosed are copies of the previous statements. Each billing statement advised that should the balance not be paid in full, accrued finance charges dating back to the original date of purchase would be assessed to the account. On March 20, 2016, as the promotional balance was not paid in full, finance charges totaling $469.37 were assessed to the account. The fees are valid, and we are unwilling to issue credit for the finance charges that have been assessed. We have also been advised that your Revdex.com complaint has been closed. Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY 1-888—819-1918). I will be happy to assist you. Sincerely, Kassy M[redacted]