Comenity Capital Bank

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]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I Comenity Bank finally sent  us a letter and we were able to send them a death certificate and the late charges have been reversed.  Thank you for your cooperation and assistance.

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]

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 (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

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 additional complaint, addressed to the Revdex.com, regarding your Gordon’s JEWELERS® credit card account.  Comenity Capital Bank issues Gordon’s JEWELERS® 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 have had your account for two years and you have been charged finance charges that are almost as much as the minimum payment.  You state that you have been charged a late fee every month.  You also state that you have not been notified regarding these charges and advised on how to avoid these fees.  You are requesting that all late fees that have been assessed to your account be removed.  We would like to apologize for any inconvenience you may have experienced regarding this matter.   On January 22, 2016, Comenity Capital Bank became the issuer of your account and our records indicate that your account has been assessed four late fees.  As a courtesy we are willing to remove one late fee in a twelve month time period.  A late fee credit in the amount of $25.00 has been issued to your account.   Please be advised, your payments are due by the twentieth of each month.  Any payments received after the due date, or payments received for less than the requested minimum amount due, are considered late; which is pursuant of the terms outlined in the Credit Card Agreement (CCA).   The balance on your Gordon’s JEWELERS® account is a regular revolving account with an APR of 29.24%.  The use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and late fees.   A revolving account means that the full balance can be paid at any time to avoid finance charges, or monthly payments can be made and a finance charge would be assessed each month on the remaining unpaid balance.  A minimum amount is required each month; however, if the customer wants to pay the balance in a shorter period of time, a payment in excess of the minimum amount required, should be received each billing period.  In addition, information on how to avoid paying interest charges is listed on the second page of your billing statements.   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 H[redacted]

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]

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 [redacted]: Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the David’s Bridal credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you paid your balance on time for the items which were on sale, and as they are no longer on sale, you have been assessed finance charges five times. You state that you were charged two times for $170.82, once for $74.91, once for $493.35, and once for $786.35. You state that these charge are bogus and you want them removed. I have reviewed your account and I am happy to share my findings. Our records indicate on July 5, 2016, a purchase of $1,413.75 posted to your account and was placed on a 6-month deferred interest, payment required plan that expired on January 5, 2017. Additionally, our records indicate on July 18, 2016, two purchases; $469.85 and $119.95 posted to your account and were also placed on a 6-month deferred interest, payment required plan that expired on January 18, 2017. For purchases on this plan, the customer is required to make payments on the promotional plan balance(s) based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance. Please be advised that information regarding your promotional plan(s) appeared on your monthly billing statements, under the heading, “details of your plans”. Additionally, beginning with the December 2015 billing statement, notification was provided which advised your promotional plan(s) were expiring soon. I have enclosed your billing statements for your review. Your account was assessed the accrued finance charges totaling $170.82 for the plan which expired on January 5, 2017, and accrued finance charges totaling $74.91 for the plan which expired on January 18, 2017. Additionally, the remaining promotional balance of $786.35 was moved to revolving with the accrued interest charges, which is subject to normal monthly finance charges, as well as the remaining promotional balance of $493.35 and accrued interest charges. However, after speaking to a Bank associate on January 23, 2017, the account was issued credits totaling $245.73, as a courtesy, to refund the accrued interest. As of the date of this letter, your account balance is $1,294.04. 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, Shawnda Y[redacted]

Thank you for your complaint, addressed to the Revdex.com, regarding the abovenoted application. Comenity Capital Bank issues Virgin America Visa® credit card accounts, and we respond to all account~related questions. Your complaint was forwarded to my attention, and I...

appreciate this opportunity to assist you. Your correspondence indicates that you applied for a Virgin America Visa® account, and were declined due to a bankruptcy. You are requesting that the Bank reconsider your application, so that you may be approved for the Virgin America Visa® credit card. Additionally, you have requested a call to discuss the application with you. It was a pleasure speaking with you June 10, 2015. As a follow up to our conversation, you have requested a letter confirming our conversation.Per your correspondence, we forwarded your information to our internal partners for further review. Unfortunately, at this time we are unable to approve your Virgin America Visa® application. We apologize for any frustration or inconvenience you may have experienced because of this matter Please be assured, we appreciate your interest in our credit card program with Virgin America Visa® and invite you to reapply in the near future once the bankruptcy is removed from your credit file. An application may be submitted online at http://www.virginamerica.com.Should you have any questions or concerns, please feel free to contact me at 14 800-675-5685 ext. 7293066 (TDDfTTY 14 888-819-1918) I would be happy to assist you.

May I please have an extension for complaint ID [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 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]

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!!!

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

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 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 ###-###-####.

We appreciate your taking the time to let us know you have concerns. We will begin researching immediately and will be in contact with you directly via phone or mail.