Comenity Capital Bank

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]

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.

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

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

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]

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

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 [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]

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
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]

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

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]

We have received the correspondence you 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 being charged...

over $100.00 in fees for a balance ofless than $3.00. You made a purchase of $60.00 on August 2, 2016 using your PayPalCredit account; however, you were initially unaware the seller added $4.20 to yourpurchase. You paid $60.00 on October 7, 2016, believing this was the total amount owed.You then began receiving statements with late fees and interest charges added to yourbalance. You called PayPal Credit twice, but were unable to speak to a representative.You are requesting the fees be waived.PayPal Credit's records reflect your PayPal Credit account was opened on March 10,2013. Per the E-Sign Consent which was provided to you at the time of application, youagreed to receive statement ready emails at [redacted]@gmail.com, alerting you yourstatement is ready for viewing electronically. A paper statement will not generate unlessthe account becomes delinquent or you change your paper statement status through thePayPal Credit web self-service site or via a written request, as disclosed in the Terms andConditions. Per PayPal Credit’s records, all electronic statement notifications weredelivered successfully and some were opened. Due to delinquency, PayPal Creditchanged your statement delivery method to paper on December 12, 2016, and PayPalCredit has no record of any returned mail on your account.Your August 15, 2016, statement shows your purchase of $64.20 on August 2, 2016, from[redacted]. This statement also shows your balance of $64.20, with a minimumpayment requirement of $25.00 due by September 12, 2016.Your September 15, 2016,statement shows a late fee of $25.00 and an minimum interest charge of $2.00, as aresult of the minimum payment requirement not being satisfied and the previousstatement balance not being paid in full by your September 12, 2016, due date. Thisstatement also shows your balance of $91.20, with a minimum payment requirement of$60.00 due by October 12, 2016.Your October 15, 2016, statement shows your payment of $60.00 on October 7, 2016,and an minimum interest charge of $2.00, as a result of the previous statement balancenot being paid in full by your October 12, 2016, due date. This statement also shows yourbalance of $33.20, with a minimum payment requirement of $33.20 due by November 12,2016. Your November 15, 2016, and December 15, 2016, statements show two late feestotaling $68.20 and two minimum interest charges totaling $4.00, as a result of theminimum payment requirement not being satisfied and the previous statement balancenot being paid in full by each statement’s due date. Your December 15, 2016, statementshows your balance of $105.40, with a minimum payment requirement of $105.40 due byJanuary 12, 2017.On December 30, 2016, you called PayPal Credit requesting to have the fees waived.The representative offered to waive two late fees totaling $68.20, leaving a remainingbalance of $37.20. At that time, you disconnected the call; therefore, no fees were waived.Your January 15, 2017, statement shows two payments totaling $33.20 were made onJanuary 8, 2017; however, a late fee of $35.00 and a minimum interest charge of $2.00were assessed to your account as a result of the minimum payment requirement not beingsatisfied and the previous statement balance not being paid in full by your January 12,2017, due date. This statement also shows your balance of $109.20, with a minimumpayment requirement of $109.20 due by February 12, 2017.Upon receipt of your correspondence, PayPal Credit honored its previous offer to waivelate fees in the amount of $68.20, as a courtesy; therefore, no additional fees can bewaived at this time. As of the date of this letter, your account is open with a balance of$41.00, with a minimum payment requirement of $41.00 due by February 12, 2017.We hope this letter explains and resolves this matter.Sincerely,

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

complaint that you purchased a hearing aid on January 19, 2016. You provided a statement of the payments made to the account starting March 8, 2016. Your table indicates that there was a remaining balance of $121.00 and you were surprised that the new statement received had an outstanding balance of $626.97. You contacted the Bank and were informed that the interest was charged due to the account not being paid in one year. You state that you exceeded the $25.00 monthly charge and that if you only paid the recommended amount that the balance would never get paid for. Additionally, you do not see anything on the purchase agreement or monthly billing statement indicating the yearly interest would be assessed, if not paid before the year is up. I am happy to share my findings.  Bank records indicate the account was opened February 19, 2016. Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement, indicates acceptance of the terms of the agreement, including the assessment of any finance charges and fees.  Our records further indicate on February 20, 2016, a transaction in the amount of $1,765.00 posted to your account and was placed on an 12-month deferred interest, payment required plan that expired on February 20, 2017. For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance), and if the promotional 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 appeared on your monthly billing statements under the heading, “details of your plans”.   Please be advised that a billing statement was issued February 1, 2017, with a balance of $396.00 and a minimum payment of $25.00 due by February 27, 2017. On the first page of the billing statement under important notice it states “ Promotional plan(s) EXPIRING SOON! See the “details of your plans” section, and under the “details of your plans” section of your statement, it stated that the promotional balance of $396.00 needed to be paid in full by February 20, 2017, to avoid paying accrued interest charges.  As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $280.97 was assessed to your account on February 20, 2017, and the remaining promotional balance of $346.00 was moved to revolving, which is subject to normal monthly finance charges.   As of the date of this letter, the balance on the account is $553.17. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are needed.  Additionally, the billing statement also mentions that, if you make only the minimum payment for each period, you will pay more interest and it will take you longer to pay off your balance. The minimum payment due for each regular revolving credit plan will be the greater of:   $5.00; or5% of the new balance shown on your statement of that credit plan (rounded down to the nearest $5.00).   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                           Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses

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]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Virgin America Premium Visa Signature account. We are here to answer your questions and assist with your concerns.  ...

We understand from your complaint, the Bank sent a credit application to an address you do not occupy. You state the Bank failed to complete a credit bureau review to obtain current information. The application was approved, and the account was opened with a high credit limit. The Bank then notified you, at your current address, that the credit card had suspicious activity, and would be suspended. You state the account was not suspended and purchases continued to be approved. You have received a bill for the fraudulent account. You request the Bank to pay for the past three months, and for the next seven years, of credit monitoring, remove the account from your credit report, and send an apology indicating that you are not responsible for the charges. I am happy to share my findings.   Bank records indicate the account was opened November 29, 2016, in the name [redacted], via web prescreen. Please be advised that you were selected for this prescreen offer based upon information in your credit report, which satisfied the Bank’s criteria for creditworthiness. The account was opened with a credit limit of $7,000.00.   A letter was issued on December 22, 2016, advising that the account revealed potential security concerns and/or irregular credit card transactions, and that utility was suspended pending completion of our investigation. Regrettably, the notation to suspend utility was not completed. We apologize for any frustration this matter may have caused.    Please be advised, per the letter dated April 11, 2017, the account was permanently closed, and you are not being held responsible for the account. Additionally, notification was sent to the credit bureaus to remove the account, in its entirety.   We respectfully decline your request for credit monitoring compensation.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely,  Kaija M[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Good Sam Camping World Visa Signature credit card. We are here toanswer your questions and assist with your concerns.We understand from your correspondence that in...

early fall of 2017 you were informed that a credit cardhad been opened in your name and used to purchase over $500.00 in gift cards or other merchandise.When you contacted the Bank you informed that you did not open the account. You were informed that theBank received calls to activate the account from a mobile number that is registered to you. You state thatafter obtaining your phone records it became clear that no phone numbers registered to you made calls onthe day or times the Bank advised calls were made on. You state that the representative you worked withwas able to obtain limited personal information on you and your family and the information is being used todiscredit you and your family. You state that the Bank is acting unlawfully to limit our credit risk exposure.You request that it be clarified why the Bank has used false information to disparage your family and falselyaccuse you of opening the account.I have reviewed the concerns noted in your correspondence and would like to provide you with the followinginformation.When you spoke with the Bank’s Account Protection (Fraud) department on October 10, 2017, fraud case[redacted] was opened. Upon completion of the fraud case investigation, you were found to beresponsible. A letter was issued dated January 8, 2018, indicating that based on the information availableto the Bank, part of which was supplied by you, the Bank could find no basis to support the fraud claim.Therefore, statements would continue to be forwarded to you.If you have questions regarding the results of the fraud investigation, please contact our Account Protectionteam directly at (800) 888-1726.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at (800) 820-8932.Sincerely,Kaija M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

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