Comenity Capital Bank

Dear Erin A. Watkins:Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card account. We are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.com regarding this matter. As previously stated, Comenity Capital Bank has not found any errors on your account and we are unwilling to waive any additional fees or update the credit bureau history, as both are valid. Please find enclosed a copy of our response sent to you on April 28, 2017.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely, Jenny W[redacted]Compliance Dept. – Consumer Responses April 28, 2017Dear [redacted]:Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Overstock Store credit card account. We are here toanswer your questions and assist with your concerns.Your complaint states that you paid your account in full and was then charged a late fee.Furthermore, you state that you were not aware that you still had a balance owing because youdid you receive any notification or billing statements. You are requesting to have the late feescredited to your account and for a refund check to be sent to you for the payment you madetowards the late fees. In addition, you are requesting that the Bank update your credit bureau toshow that your account was not delinquent. We understand your concerns, and apologize for anyfrustration or inconvenience this may have caused you.Bank records indicate that you are enrolled in paperless statements and notifications are sent to[redacted], which is the email address you provided on July 10, 2015.Please be advised that on January 9, 2017, a statement was issued to you showing a balance of$23.89 with a payment of $23.89 due by February 4, 2017. Bank records further indicate that onFebruary 6, 2017, you accessed the account center website and made a payment of $23.89.However, as a result of the payment being made after the due date, a late fee was assessed toyour account.Please be advised that notification continued to be sent to you at the email address you providedshowing that your account still had a balance owing. However, no payments were received forthe months of March 2017 and April 2017. Therefore, late fees were assessed to your accountand your account became two billing periods past due. When an account becomes two billingperiods past due, it is reported to the national credit-reporting agencies as being 30 daysdelinquent.Bank records further indicate that your account has already received a courtesy late fee creditand is not eligible for an additional late fee credit. Comenity Capital Bank has not found any errorson your account, and we are unwilling to waive any additional fees, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies. We have found the information we reportedis an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report.I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]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. Thank you for all your help with this matter.

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

Dear [redacted]We have received a complaint regarding the above-noted account. Comenity Capital Bank issues LaserawayAdvantage credit accounts, and we respond to all account-related concerns. Your complaint, addressed to theRevdex.com, was forwarded to my attention, and I...

appreciate the opportunity to assist you.In your complaint, you state that you opened your account in December 2014 and made a purchase that wasplaced on an interest free plan for one year. You further state that you were advised that your payments couldbe set up to be automatically debited from your bank account; however, your account was charged a late fee,as the Bank does not have the option for automatic payments. You are requesting that the finance charge becredited to your account. We understand your concerns and apologize for any inconvenience or frustration thismatter may have caused you.Please be advised that the Bank does not offer an option to schedule automatic payments to be debited fromyour bank account; however, you are able to login online at our account center website and schedule apayment up to 30 days in advance.Our records indicate that on November 16, 2014, a purchase of $2,299.00 posted to your account and wasplaced on a 12-month deferred interest payment required plan that was sent to expire on November 17, 2015.For purchases on this plan, the customer is required to make payments on the promotional plan balance basedon the standard repayment terms for their account. Interest is accrued (calculated, but not added to thebalance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which werecalculated from the date of the original purchase, will be added to the deferred balance, and this balance will bemoved to the customer’s revolving balance. This information appeared on your monthly billing statements,under the heading, “Details of your plans”. I have enclosed your billing statements for your review.Upon further review, our records indicate that a statement was issued to you on October 25, 2015, indicating abalance of $380.00 and a minimum payment of $25.00 due by November 20, 2015. Under the “Details of yourPlans” section of that statement, it stated that the balance of $380.00 needed to be paid by November 17,2015, to avoid the accrued interest. As a result of the promotional balance not being paid in full by the planexpiration date, the accrued interest of $406.43 was assessed to your account on November 17, 2015.Comenity Capital Bank has not found any errors with the account; however, in the interest of customer service,a total credit of $206.43 in finance charges was issued to your account on December 8, 2015. Please beadvised that the Bank is unwilling to issue any additional credit.We hope that this information is helpful. Should you have any additional questions or concerns, please do nothesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happyto assist you.Sincerely,Jenny W[redacted]

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Blair credit card. We are here to answer your questions and assistwith your concerns.I understand your concerns regarding the enrollment of the Blair...

VIP Plus membership, which youstate you did not sign up for, and would like cancelled. I apologize for any inconvenience or frustrationthis matter may have caused you.Blair VIP Plus is an optional service that is offered through Blair. This program offers a specialintroductory price of $1.99 for the first 30 days, and if the customer does not call to cancel themembership within the first 30 days, the membership fee of $14.97 is automatically billed to the Blairaccount each month. Cancellation may be made at any time with no further obligation.Please be assured, the Blair VIP Plus membership was cancelled, and on November 27, 2016, a creditof $14.97 posted to the account to remove the Blair VIP Plus membership fee. An additional credit of$1.99 posted to the account on November 27, 2016, to remove the Blair VIP Plus introductory charge.In the interest of customer service, the Bank issued credits to remove the previously assessed latefees and finance charges. These adjustments created a credit balance of $1.99 on your account. Arefund check has been requested, and should be received in the next 10-14 business days, underseparate cover.Notification was sent to the national credit-reporting agencies, regarding the Blair account, withinstructions to remove the negative payment information from your credit bureau report. Please allow45 days for this information to be updated in their records.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 ###-###-####. I would be happy to assist you.Sincerely,Shelley A[redacted]

The Bank is charging $ 1,150.58 over a payment of $6,505.00, which clearly falls into the definition of usury, even if taking into account that I was gullible into believing that they had started a new cycle of 12 months after I telephoned them to complain that they had failed to send me any notifications. The records show  that after I telephoned them asking for information about my payments, they sent me a notification stating that "payment must reach us by 5pm CT on 11/27/2015. I assumed that the 12 months would run from 11/27/2015 and made all my payments on the 27th of every month from then on. The information about needing to pay in full until 08/05/2016 was buried in fine print on the second page of their notice. I was misled and I accept  that I have to pay some interest, but $ 1,150.58 is clear usury. I am hoping to find some common ground that could at least give me some credit when I next need to change my hearing aids.
Regards, [redacted]

I am rejecting this response because:my issue is that they backed out of a flex pay arrangement by lowering my limit which in turn went into collections on my credit 
Regards,
[redacted]

Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Capital Bank issues My BJ’s Perks MasterCard accounts, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to...

your concerns. We understand from your complaint that your account was charged $164.53 on January 3, 2016, for a purchase that was not yours. You are requesting this charge be removed from your account. During our investigation we were unable to validate the $164.53 charge. We issued a $164.53 credit on March 18, 2016 to remove the charge. We hope this information is helpful and apologize for any frustration you experienced regarding this matter. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
I just wanted to say thank you for resolving this matter in such a timely manner; it's greatly appreciated!It's nice to know when there is someone "in your corner."   Thanks again!

Dear Barbara [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Blair credit card. We are here to answer your questions and assist with yourconcerns.We understand from you correspondence, submitted to the...

Revdex.com, that you returnedmerchandise and paid the shipping and handling. You state it took the company over a month before the creditwas applied to the account. A statement arrived after you returned the merchandise with a late fee applied to theaccount. At that time you contacted the Bank and were advised that the late fee would be reduced to $10.98,and you paid that amount. Due to the payment being three days late, another late fee was assessed to theaccount. You do not think that the additional fees are justified nor should you pay them.Please note Comenity Capital Bank and Blair are two separate entities. The Bank issues and is responsible foraddressing questions related to your credit card account. Blair is responsible for handling matters related to sales,merchandise processing, returns and shipping.In regard to the additional late fees applied to the account, as you stated in the correspondence; the paymentwas received three days late. Please keep in mind that when payments are not received, are received after thedue date, or are made for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.As the Bank finds the fees valid and a previous late fee was removed, we are unwilling to remove any additionalfees.As of the date of this letter, the account balance is $80.91 with a minimum payment of $33.97 due on June 17,2017.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses

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.

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 that you paid off all of your flex pays. Additionally, you advise...

that you did not signup for the card, but did use it for your flex pays. You are requesting to have the balance broughtto zero.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.Please be advised that use of the account, or failure to close the account within 30 days ofreceiving the Credit Card Agreement indicated your acceptance of the terms of the agreement.At least some of your purchases were made using HSN’s optional FlexPay program. FlexPay isa convenient way to shop that allows you to easily divide your purchase into monthly installmentpayments with your credit card. The payments can be made using your HSN credit card or someother form of payment. You arranged to have your monthly payments charged to your HSN creditcard. When a purchase was made using FlexPay, HSN immediately billed your HSN credit cardaccount for the first monthly installment plus any applicable tax and shipping and handling fees.Your purchase was shipped, and the remaining FlexPay installments were automatically billed toyour HSN credit card account every 30 days thereafter, beginning the month after the originalorder date. HSN does not charge interest or fees to use FlexPay; however, if your entire creditcard statement balance is not paid by the due date each month, interest is charged on the accountbalance in accordance with the terms of the Credit Card Agreement (CCA).As new purchases are placed on the account, the balance will increase. When your account bills,the system will assess the interest according to the balance. The amount you must pay eachbilling period won't be less than $27.00. If your account balance is less than $27.00, you mustpay the amount indicated on your billing statement in full. The minimum payment due will be 5%of the New Balance shown on your billing statement (rounded to the nearest $1.00).If you make only the minimum payment for each period, you will pay more in interest and it will take you l[redacted]er to pay off your balance. Please find enclosed the billing statements for your review.The Bank finds no errors in the account balance, as such we respectfully decline your request to bring your account balance to zero.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosure

the company admits inaccurate information was reported to credit Bureau as well as information provided is not accurate and will not be tolerated I am now escalating my concerns to the state AG as well as seeking legal professional assistance to ensure this issue is handled accurately and fairly
Regards,
[redacted]

again the business keeps redirecting and not confirming what was previously explained by them. My purchases should have been paid first with my large payment as long as the had a balance coming due. Their own terms and agreements say that payments will be applied to promotional purchases first if they are within the repayment period. The payment I made was within 60 days of 1 year of the purchase dates, clearly within their terms. I have paid much more than I was ever responsible and this company continues to have shady business practices. I will be turning this over to an attorney for breech of contract per PayPal ToA. I am done trying to reason and afford them the opportunity to make the situation right. They can't change their own rules when it benefits them. I decline this and will be having our attorney complete all further communications. 
Regards, [redacted]

At no time before the account became overdue did the company notify my that "my bill was ready" in any manner.  The term "bill me later"  suggests that a bill will be sent to me.  No bill was sent to me until after the account was overdue.  After the account was overdue,...

the phone calls made to me on caller ID was "toll free" not Pay Pal; nor did they leave a message on my answering machine.When I became aware of the amount that was due, I paid the bill of the amount that I originally owed.  As far as I'm concerned, this was the amount due.  It looks like Pay Pal Credit is running a scam to get more money, which I do not feel obligated to pay.  No wonder so many companies are dropping their services.
Regards,
[redacted]

My business name is [redacted] and my name is [redacted].  I filed the complain by my business name because the BJ's bill that you mailed to me and my account on your website have only my business name not my legal name.  It doesn't matter the complain is business name or my name but the true is your business still owe me $23.28.  You just see the attaches that I attach to you on this message.  It includes  the last  BJ's statement from Comenity Capital Bank, the old statement from [redacted]  bank, the credit line, the old BJ's Visa business card, the letter from you to notify me of acquire and own my account from [redacted] Banks .  If you say you can not refund for me by business name but how come  you could receive my last payment by my business name.  Please, mail a refund reward check to my address [redacted].  Nobody can cash this reward check but only me because this my mailbox. 
Regards,[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me once we have receive the refund check. Thank you for your help in resolving this issue.
Regards, [redacted]

We received the correspondence you sent to the Revdex.com regardingPayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. ThePayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill MeLater, Inc. PayPal Credit is a payment option made...

available by many merchants to theircustomers.Your correspondence indicates fees totaling $28.00 were assessed to your account afteryou made a payment five days past the payment due date. You state you never receivedan email regarding the amount due, and Customer Service would not waive your fees.You are requesting to have the fees waived.We reviewed the concerns noted in your correspondence and would like to provide youwith the following information. No payments were received by PayPal Credit for theNovember 2016 billing cycle. As such, the account was assessed a $25.00 late fee.Additionally, the account was assessed a $2.00 minimum interest charge because thebalance was not paid in full by the payment due date.The Terms and Conditions state, in part, that any late payments will be subject to a latefee of up to $35.00. In addition, the Annual Percentage Rate (APR) for the account is19.99%, and if you are charged interest, the charge will be no less than $2.00.In response to your statement regarding not receiving an email about the past dueamount, according to PayPal Credit's records, all electronic statement notifications issuedto [redacted]@YAHOO.COM were delivered successfully and some were opened.Further, on October 28, 2016, PayPal Credit sent an email reminding you of your duepayment which was opened on October 29,2016.On November 9, 2016, you called PayPal Credit and requested to have the above referencedlate fee and interest charge waived. The representative advised per PayPalCredit policy, only one late fee may be waived every twelve months for each customer,and the $25.00 late fee was waived per your request. As your balance was already paidin full, your account was left with a credit balance of $25.00.On November 16, 2016, you called PayPal Credit again, and at your request, arepresentative closed your account and refunded your $25.00 credit balance via checkby postal mail. As of December 6, 2016, your account is closed with a zero balance.We hope this letter explains and resolves this matter.Sincerely, Jessica A

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 PayPalCredit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,Inc.Your correspondence states you...

are disputing your purchase from [redacted]
[redacted]as you believe the item you received was not what you ordered.You have been unable to resolve the issue with the merchant or PayPal. You arerequesting a refund for the disputed purchase.Upon receipt of your correspondence, PayPal Credit researched your account and wouldlike to provide you with the following information. Your January 14, 2017, statementshows your purchase of $140.00 from [redacted], which posted to your account onDecember 17, 2016. This purchase qualified for “No Payments + No Interest if paid in fullin 6 months” promotional financing until July 11, 2017. As long as you pay this balance infull by the promotion expiration date, you will not be charged interest. This statement alsoshows your balance of $140.00, with no minimum payment requirement due at that time.PayPal Credit confirmed you submitted a dispute to PayPal on January 10, 2017, for yourpurchase of $140.00 from [redacted]. On that same day, PayPal acknowledged receipt ofyour dispute and informed you that it could take up to 90 days to receive a resolution.The following day, you were informed that your dispute was changed from being aboutnot receiving your purchase to the purchase being received but being significantlydifferent than originally described. Upon completion of PayPal’s investigation, PayPalsent you an email on February 20, 2017, stating, “[w]e found that you are eligible for arefund, however, to receive this refund, we need you to return all the items and we needa valid online tracking number confirming that the merchandise was delivered to theseller’s address.” Further, this email provided you with the seller’s return address andadvised you to submit proof of return shipping within 30 days of receiving this email. Assuch, you have until March 22, 2017, to provide a valid online tracking number confirmingreturn shipping to the seller’s address in order to further process your dispute. To expediteyour refund, you can take a picture or screen shot of your Proof of Postage and send it toPayPal via email at [redacted]. Please refer to PayPal’s email sent to you onFebruary 20, 2017, for additional details.As of February 23, 2017, your account is open with a balance of $140.00, with nominimum payment requirement due at this time since your purchase qualified for “NoPayments + No Interest if paid in full in 6 months” promotional financing until July 11,2017.We hope this letter explains and resolves this matter.Sincerely,Jennifer P[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.  I have recived a letter stating that these accounts were to be moved. I will check my report in a few weeks and make sure that they have been removed. If I see that they have not, I will file another complaint.