Comenity Capital Bank

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Bank issues the HSN credit card. We are here to answer yourquestions and assist with your concerns.Your correspondence is requesting a validation of debt for the above-noted account. You...

alsostate that HSN held back $300.00 of the amount you owed on flex pays, instead of including it inthe amount for the consolidation company.This letter is for informational purposes to respond to your correspondence and is not an attemptto collect on this balance. Please find a summary of your HSN account below. Enclosed you willfind a copy of your Credit Card Agreement (CCA) and copies of your 12 most recent billingstatements showing the account activity that resulted in the account balance and payment history,which are reporting to the credit reporting agencies.Your account was opened on December 26, 2015; use of the account or failure to close theaccount within 30 days of receiving the CCA indicated your acceptance of the terms of theAgreement, including the assessment of any finance charges and fees. The last purchase of$49.95 was made on May 19, 2017, and the last payment of $45.00 was received on December29, 2017.We are required by law to report factual data to the credit bureaus with regard to account activity.At this time, we find no errors in our reporting of your account to the credit reporting agencies.Delinquent accounts generally will report for seven years from the date the account first becamedelinquent.Please note Comenity Capital Bank and HSN are two separate entities. The Bank issues and isresponsible for addressing questions related to your credit card account. HSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping and flexpayments.For questions regarding any balance owed directly to HSN for flex pays for purchases that werenot billed to your HSN credit card account; please contact HSN directly at ###-###-####.I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Kristina W[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com

Comenity Capital Bank (Bank) has received your correspondence. We are here to answer yourquestions and assist with your concerns.We would like to assist you in resolving this matter. Unfortunately, we are unable to locate theapplication you are referencing in your correspondence based on the...

information provided. Inorder to investigate your concerns, please provide additional information regarding the name ofthe retailer the application was from, or a copy of your credit bureau report showing the inquiry.Once this information has been received, we will be able to further investigate. Please sendthis information to my attention at the address shown above.If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Overstock Store credit card. We are hereto answer your questions and assist with your concerns.We understand from your additional correspondence, submitted to the Revdex.com,that you have not received our previous letter dated April 5, 2017.Please understand the account is open; however, it is inactive and requires a review of your creditreport to be reinstated. Per your call to the Bank on April 4, 2017, we attempted to reinstate theaccount. However, based on information in your credit report, we were unable to approve yourrequest, and a letter of explanation was mailed to you. Please be advised a copy of this letter wasincluded with our previous response that was mailed to you on April 10, 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 S[redacted]

Dear Mr. [redacted]We have received your complaint, addressed to the Revdex.com, regarding the hard inquiry on your credit file.  Comenity Capital Bank issues multiple credit card accounts, and we are here to assist with all your questions.  Your complaint was forwarded to my...

attention, and I appreciate the opportunity to respond to your concerns.We understand from your complaint that you state Comenity Capital Bank ran a hard credit inquiry without your approval and this has lowered your credit score.  I am happy to share my findings.The Bank would like to assist you in resolving this matter.  However, based on the information provided in your complaint, the Bank has not been able to locate an account, or credit application, in your name.  In order to investigate your complaint, we request that you provide the Bank with a copy of your credit bureau report showing the inquiry.Once this information is received, the Bank will be able to investigate your complaint further. Please send this information to my attention at the address shown above or it may be faxed directly to me at ###-###-####.We sincerely apologize for any confusion or inconvenience this matter has caused you.  If you have any further questions regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.Sincerely, Renee S[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced creditapplication. Comenity Capital Bank issues ZALES The Diamond Store® and David’s Bridal® creditcards. We are here to answer your questions and assist with your concerns.We understand your concerns regarding the...

calls you have received by the Bank and your claims thatyou have been hung up on by management. You also state that the Bank won’t work with you on thepayments you are able to make unless it is on our terms; promising to remove late fees if you set upan auto pay and not doing it. You have stated that you requested amounts changed which were not.You state that associates have made inappropriate statements that it is your fault for being behind andthat you are wasting our time. It is your request that the Bank stop calling you, set up a reasonablepayment plan for the 1st of every month, remove the negative remarks from your credit file, and waivethe late fees.Please be assured that, I have thoroughly reviewed your accounts and I am happy to share myfindings.Per your request, a "cease and desist" status has been placed on your accounts. This cease anddesist request will stop all future collection calls, but it will also suspend authorizations for newpurchases on all of your accounts since we will be unable to contact you. You will continue to receivecertain legal communications as permitted by law. Your request to cease and desist contact on youraccounts may be changed at any time by contacting us again in writing at the below address:Comenity Capital BankP.O. Box 183003Columbus, OH 43218-3003This letter is for informational purposes to respond to your inquiry and is not an attempt to collect onthe balances.Bank records indicate that your ZALES The Diamond Store® account is five billing periods past due,and your David’s Bridal® account is four billing periods past due. Please keep in mind that whenpayments are not received, are received after the due date, or are made for less than the minimumrequired, the account will be assessed a late fee, as explained in the Credit Card Agreement. When an account is delinquent, we will make attempts to contact the customer regarding the status ofthe account. Many times a payment is overlooked by the customer, and a reminder call is helpful tobring the account back to a current status. Due to potential negative ramifications for our customersif an account remains delinquent, we may call until our attempt to communicate is successful.We have reviewed applicable telephone conversations. We apologize if you felt you did not receivethe 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 feelsthis standard was not met.During the call reviews, we confirmed that you were provided with payment options that were availablefor your accounts, with a solution to rectify the past due that included late fee waivers. Because youwould not agree to make the payment, the late fees were not removed.Additionally, we found that one call was disconnected, in error, upon the attempt to transfer your callfrom our Customer Care department to the Payment Solutions team. Also, we found that during thecall you had disputed scheduling a $100.00 payment for November 30, 2016. Because the call forthis payment was not located, the Bank was to refund you the $100.00. Unfortunately, both $100.00payments were returned by your financial institution on December 6, 2016. Therefore, the money wasnot actually taken from your bank account and you are no longer due a refund. However, as acourtesy, we have issued a $25.00 credit to refund the one returned payment fee you were assessedon the David’s Bridal® account. Please note this fee was not charged to the ZALES The DiamondStore® account.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 CustomerLong-Term Workout Program. These programs can provide customers with special terms in order tohelp bring the account current. If you are interested in obtaining information on whether you qualifyfor one of these programs, please call ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profit ConsumerCredit Counseling Service (CCCS) organization for assistance. Their programs can provide optionssuch as reducing the interest rate and the minimum payment requirement, and could include all ofyour creditors. Comenity Bank supports and participates in the programs provided by CCCS agencies.Should you wish to obtain information regarding their programs and for a member agency located nearyou, please contact the National Foundation for Credit Counseling at ###-###-####.As no Bank errors were found, we are unwilling to remove the late fees from the accounts, and wemust report the account activity to the credit bureau agencies.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.

Dear [redacted]  Thank you for your recent inquiry, submitted to the Revdex.com, regarding the above account noted above.  Comenity Capital Bank issues MY PLACE REWARDS CREDIT CARD accounts, and we respond to account-related inquiries.  Your inquiry was...

forwarded to my attention, and I appreciate this opportunity to assist you.  I understand your concerns regarding the payment methods available on the account, the late fee assessed, and the credit reporting of your MY PLACE REWARDS CREDIT CARD account, and I apologize for any inconvenience or frustration this matter may have caused you.  Please be advised 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.  Additionally, any time a balance is carried over from one billing cycle to the next, a finance charge is assessed to the account as outlined in the Credit Card Agreement.  Our records indicate that a payment of $21.81 posted on your account on December 19, 2016, and the late fee of $19.81 was credited.  Please be assured, we sent notification to the national credit-reporting agencies with instructions to delete the December 2016 30-day delinquency, from your credit bureau report.  Please allow the national credit-reporting agencies up to 45 days to update their records.  Although we currently do not offer automatic payments, to provide the best customer service possible, we offer multiple ways to make a payment.  Choose a payment method that's right for you.  In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day.  Check the back of your billing statement to see if in-store payments are available for your account.   Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account same-day.  Online payments submitted after 8 p.m. ET will be credited the following day (or on your future scheduled payment date).  Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your MY PLACE REWARDS CREDIT CARD.    Mail: Send your payment and payment coupon in the envelope that came with your billing statement.  We recommend allowing a week for the payment to arrive.  If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.   Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8 p.m. ET to speak to a customer care representative.  A fee may apply to same-day, expedited payments made with the representative.  I hope you find this information to be helpful.  Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####.     Sincerely,   Shelley A[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

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.  It has finally been resolved and we are able to use our awards.  Thank you so much for all your help.
Regards, [redacted]

I never knew about any missed payment back in March or April. In they charged me a late fee of $37 and that is more than the $27 that I am paying monthly. If I would have known I would have called back then to have my account accredited. Why would I allow myself to get another fee put on the account. They charged me a second late fee because I didn't pay the total amount on the account. I did not know I had any additional amounts added on my account. I have been paying the $27 that I agreeded to pay. They placing all these extra fees to collect more money from me. Then when I received my bill this month I noticed the late fee and called in and that is when I found out I was charged an second late fee. In the representative said they only could remove one late fee. I feel both late fees should be removed. They can close my account. I don't want to do business with any company that is trying to cheat me and collect more money from me. I think legal action needs to be taken on this company. This not only has happened to me but several other people. In it's sad. If I could I would return the laptop. I WANT NOTHING TO DO WITH THIS COMPANY ANYMORE!!!

ear Ms. [redacted]  Comenity Capital Bank has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the Haband credit card.  We are here to answer your questions and assist with your concerns.  You state you returned all of the items...

you purchased and your account balance should be zero.  You also state that you received a statement with shipping and handling charges assessed to the account and due to these charges your account has assessed fees.  You are requesting for your account to be credited to a zero balance.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.   Please understand that Comenity Capital Bank and Haband are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.   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 Smart Label for the return, your account is billed $9.99 for the cost of the return shipping.  In the interest of customer service, Haband has issued credits totaling $19.98 to remove the Smart Label fees, and shipping and handling charges, which were previously assessed.  The Bank has issued additional credits totaling $90.33 to remove the late fees, finance charges, and remaining account balance.  Please be assured, your account balance, as of today’s date, is zero.         Notification was sent to the national credit-reporting agencies, regarding the Haband account, with instructions to remove the negative payment information from your credit bureau report.  Please allow 45 days for this information to be updated in their records.  I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.            Sincerely,  Renee S[redacted]

Dear 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 on January 4, 2015, you purchased a laptop from HSN. You state you returned the laptop and a credit was issued on January 21, 2015. Although the laptop was returned and a credit was issued, you continue to see the charge reflected on your statement, along with accrued interest. Because of this, you believe the payments you have been remitting have been applied to the returned laptop. We understand your concerns, and sincerely apologize for any inconvenience this matter may have caused you.After a thorough investigation, our records indicate that your purchase of $762.07 was charged to your account on January 5, 2015, and was placed on plan [redacted], a 12-month deferred interest payment required plan, due to expire on January 6, 2016. As agreed upon at the time of purchase, no interest would be assessed to the account, should the balance of your promotional plan be paid in full as of the scheduled ending date.On January 21, 2015, you were credited in the amount of $762.07 for the return of the laptop. When the merchandise was returned, HSN credited your account for the merchandise and applied it to the revolving credit line, in error. Therefore, your revolving balance was credited in the amount of $762.07, reducing your monthly statement balance for the return. However, your statement continued to show the original purchase on the promotional plan, payments applied, the remaining balance, and accrued interest. Please be assured the return for this merchandise was credited to your account in full and you were not charged additional fees as a result of his matter. Finance charges are calculated on your revolving balance, and the accrued interest shown on your statement for plan [redacted] was never charged to your account, as the promotional balance for plan [redacted] was zero at the plan’s expiration date.Please be advised that we have reviewed the account and we can assure you that although the billing statements show that part of your payments were applied to your revolving balance, and part of the payments were applied to the promotional plan [redacted] balance, the full amount of your payment was applied to the revolving account. We have enclosed billing statements for your review.Bank records indicate that as of November 2015, late fees have started to be assessed to the account due to non-receipt of payment. The last payment received was for $216.16 on October 9, 2015. We apologize for the confusion that has occurred as a result of this situation. Although the Bank finds these late fees to be valid, in the interest of customer service, we have removed the late fees that have been assessed to your account due to this matter. Additionally, as a courtesy we have updated your payment history to remove the delinquencies that were reported for February and March 2016. Please allow the credit-reporting agencies 45 days to update their records.As of the date of this letter your balance is $1,142.82. Our records indicate that the annual percentage rate for revolving balances on your HSN credit card is 26.99%. If there is a revolving balance on your account at the end of each billing cycle, finance charges will be assessed monthly, pursuant to the terms of the Credit Card Agreement (CCA).We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please feel free to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to review the account activity with you.Sincerely,Ashley R[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

I was told one thing by the employees of Zales and it not be honored.  I was told it was 18 months.

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]

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]

From: Jack Cantrell [mailto:[email protected]] Sent: Friday, December 30, 2016 9:12 AMTo: [email protected]: RE: You have a new message from the Revdex.com of Central Ohio complaint #11888240. [ ref:_00D50JV5F._50050r4Neb:ref ]Hello and good morning, We are...

contacting you today to request additional time for the above ID #  to complete and resolve this matter for Ms. Spitnale. May we ask this be extended until January 10, 2017. Thank you, Jack Cantrell IIWAH | Customer Response Advocate, Complaints Management | ComplianceComenity Capital BankEaston Campus Building A3095 Loyalty Circle, Columbus, OH 43219

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]

Dear Ms. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Blair® 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 do not owe anything, and that you have been incorrectly charged.  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 Blair are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Blair® credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.   When you order merchandise from Blair, your account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling.  When the merchandise is returned, your account is credited for the merchandise and the applicable sales tax.  Blair does not refund shipping and handling charges.  In addition, if the provided return label is used to return the package, the return label fee is also charged to your account.  On July 24, 2015, our Billing Dispute department received a dispute which you sent to the Bank, indicating that you did not owe any balance, as the merchandise was returned.       In the interest of customer service, the Bank has issued credits totaling $219.99 to remove the late fees, and finance charges which were previously assessed.  These credits have posted, and brought your account balance to zero.    Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Blair® account, from your credit bureau 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]

Since then, I have attempted to reach Kajja M[redacted] at ###-###-#### on four occasions. In each time their outgoing message states that no one is available to take the call.This is consistent with the unprofessional way I have been treated for two years now. I have made dozens of calls to both Overstock and Comenty to resolve this to no avail. This can be confirmed as they state the calls are recorded in each instance. Furthermore Comenty initially phoned me almost every day for 6 months. a large percentage of their calls ended in their hang up when I just answered. In the cases where we spoke I discussed my total disappointment in their shower enclosure. I did the same with Overstock, requesting they remove the enclosure or issue an appropriate credit.The fact that Comenty claims that they are totally different entities is just nonsense. From a customer standpoint  Overstock has been aware that the product is not properly designed and take no responsibility after at least 50 conversations  A contributing factor here is that Overstock had parts sent to me was in full admission that their printed sales specifications were incomplete by their own admission. Accordingly  their comment that they have tried to reach me without success is totally untrue and just another cover-up on their part. Furthermore their pathetic offer to compromise the bill is  a complete admission of their errors.I have spent a tremendous amount of time trying to reason  with them and remain dumfounded.Certainaly I have demonstrated this in my direct communication and further confirmed that their CEO Mr. [redacted]  never answered my three letters to him.I am willing to pay them $500 dollars towards the shower and full price for the other two  without interest or penality as a final and good faith resolution with the commitment they will remove the negative credit bureau reports or I will  l continue to fight  tor fair treatmentI appreciate you continued help in this matterSincerely [redacted]

Dear
Ms. [redacted]Thank
you for contacting the Revdex.com, regarding the above-referenced
account.  Comenity Capital Bank issues your
Dental First Financing account, and we are here to assist with your
account-related questions.  Your correspondence was forwarded to...

my
attention, and I appreciate the opportunity to respond to your concerns.We
understand from your correspondence that you are receivingstatements from
Comenity Capital Bank showing a balance and you are requesting a letter stating
the account has been paid in full.Our
records indicate that a charge was placed on your Dental First Financing
account in the amount of $7,721.00 on April 20, 2015.  This charge was placed on a 60 month, 14.99%
low Annual Percentage Rate (APR), promotional plan which was scheduled to
expire on April 23, 2020.Your
first statement was generated on May 6, 2015, showing a balance of $7,775.07,
which included a finance charge of $54.07, and a minimum payment of $188.00,
due by June 1, 2015.    A
statement was generated on June 5, 2015, showing a balance of $7,896.42, and a
minimum payment of $381.00 due by July 1, 2015.  Please be advised that the June statement included a late fee and
finance charge totaling $121.35.  The
late fee was added as no payment was received by the June 1, 2015, due date.On
June 8, 2015, a payment in the amount of $188.00 was received and credited to
your account.  A payment of $7,587.07 was
also received and credited to your account on July 3, 2015.On
July 6, 2015, a statement was generated showing a balance of $242.74, and a
minimum payment of $193.00 due by August 1, 2015.  Please be advised that the July statement
included a late fee and finance charge totaling $121.39.  The late fee was added due to payments being
received after the July 1, 2015,  due
date. On
August 6, 2015, a statement was generated showing a balance of $282.40 and a
minimum payment of $282.40 due by September 1, 2015.  The August statement  included a late fee and finance charge
totaling $39.66, as no payments were received by the August 1, 2015, due date.On
August 10, 2015, credits totaling $95.00 were issued to your account for late
fees that had been previously charged.  On
September 5, 2015, a statement was generated showing a balance of $187.40, and
no minimum payment was due.On
October 2, 2015, a payment of $50.00 was received and applied to the account.On
October 6, 2015, a statement was generated, showing a balance of $137.40, and a
minimum payment of $137.40 due by November 1, 2015.Our
records indicate that the remaining balance of $137.40 consists of finance
charges.  In the interest of customer
service, I have issued a credit for this amount.  As of the date of this letter, your balance
is zero.We hope you find this information to be
helpful.  Should you have any further
questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.Sincerely,Justina
M[redacted]