Comenity Capital Bank

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 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]

Dear [redacted]:
Comenity Capital Bank (Bank), has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Ideal Image® VIP credit account. We are here to answer your questions and assist with your concerns.
Please be advised the address you provided in the correspondence does not match the address we have on file. Please contact us at the below address or at ###-###-#### to update the mailing address on the above-noted account:
Comenity Capital Bank
P.O Box 183003
Columbus, OH 43218-3003
We appreciate you expressing your concerns to the Revdex.com regarding the account balance. You state you were approved for an Ideal Image account on February 12, 2015, at which time the customer service representative advised you would have a minimum payment of $88.00 each month. However, the representative did not explain the entire balance had to be paid off in 18-months. You further state you were automatically signed up for paperless statements, so you were unaware of when the 18-months came due. You were charged interest totaling $688.77, since the promotional plan was not paid in full within the 18-months. You called multiple times to reach some kind of settlement, and pay the balance in full. However, the customer service representatives were rude and unwilling to work with you. Your desired resolution is to have the interest of $688.77 refunded, and you will make payment for the remaining balance. We apologize for any frustration or inconvenience this matter may have caused you.
Please be advised the Bank does not automatically enroll customers into paperless statements. Your account was registered through our online Account Center on March 2, 2015, which provides accountholders the ability to view statements and make payments online. On the same date, you chose paperless statements, meaning you will receive your statements online versus postal mail. When enrolled in paperless statements, we will send you a monthly Statement-Ready Email notifying the statement is available to be viewed.
The last Statement-Ready Email was sent on December 16, 2016, and we do not have record of emails being returned as undeliverable from the email address you provided. If you wish to un-enroll in paperless statements, please log into Account Center and update this preference or contact our Customer Care department at the phone number provided above.
After a thorough review, Bank records indicate a purchase of $2,605.00 was charged to the account on February 12, 2015. This purchase was placed on an 18-month deferred interest, payment required promotional plan scheduled to end on August 15, 2016.
As agreed at the time of purchase, no interest would be assessed to the account should the balance be paid in full by the promotional plan ending date. On August 15, 2016, the above-referenced promotional plan was not paid in full; therefore, accrued finance charges totaling $688.77 were applied to the account.
Information about promotional plans is provided to our accountholders on their monthly billing statements in the “details of your plans” section. Specifically, accountholders are instructed that should a balance not be paid in full, accrued finance charges dating back to the original date of purchase, will be assessed to the account. Enclosed, please find a copy of the monthly billing statements for your Ideal Image credit account from March 2015 through December 2016.
Comenity Capital Bank finds this information to be accurate; therefore, we are unwilling to credit the finance charges totaling $688.77 to your account.
Lastly, I understand you are dissatisfied with the level of service that you received when contacting our Customer Care department regarding the balance on your account.
We have reviewed the applicable telephone conversations. We apologize if you felt you did not receive the 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 feels this standard was not met.
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,
Jack C[redacted]

Attached is a letter from Comenity Capital Bank Customer Service Team,my response and a copy of the page of the item in question.Thank you so very much for interceding for me, I really need your help onthis as you can see by the type of response that I received from this Bank.I for when I hear back from them I will provide you With the copies._Thank you so very much.[redacted]

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

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

The following company has responded.  I do not wish for anything else -- monetarily. I still believe they need to totally disclose the fact that you can't be part of Comenity if you wish to collect rewards without using their credit cards.Thank you for your time and consideration.[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Ultamate Rewards Mastercard® creditcard. We are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence...

submitted to the ConsumerFinancial Protection Bureau regarding this same matter. Please find enclosed a copy of ourresponse sent to you on March 1, 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,March 1, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Ultamate Rewards Mastercard® credit card. We are here to answer your questions and assist with your concerns.You mentioned you were approved for the above-referenced account, made a purchase with it, and paid the balance before the due date. You state you received a letter from the Bank advising that your credit score had been pulled from Equifax and that you did not qualify for a lower interest rate. You indicate you then tried to make additional purchases which were declined. You state you called the Bank and were informed the account had been closed but they were unable to explain the reason for closing it. You indicate that the Bank’s supervisor told you that the credit score came from Experian, which was different from what the letter said. You say the supervisor also told you that the credit score letter you received was sent in error and that no credit score had actually been pulled. You state you have not received anything explaining why the account was closed and that you were told the account could not be reopened. You are requesting to have the account reopened without pulling another credit report. We have researched your concerns and we would like to provide you with the following information.The letter we sent you on January 30, 2017, was not sent in error. When an application is processed, the Bank will determine which Annual Percentage Rate (APR) the applicant qualifies for, based on creditworthiness. If the applicant does not qualify for the lowest available APR based on information provided from a credit reporting agency, we are required by law to send this notice. As mentioned in the letter, Equifax provided the credit bureau information used in this determination. We listened to your recorded phone calls with our associates and we realize that one associate did state that this letter was sent to you in error. This statement was not correct. We apologize for any inconvenience or confusion this may have caused you.We could not find any instances, however, of a Bank associate stating that a credit score was not pulled. The score that is listed in the “Your credit score” section of the letter is derived by our internal modeling process and is based on information requested from the credit bureau at the time of your application. This risk score can change over time as the credit bureau information changes.In regard to your account being closed, the Bank sent a letter on February 14, 2017, advising the account had been closed as a result of the number of recent inquiries on your credit report. A copy of this correspondence is enclosed with this letter. As indicated in this letter, the information regarding the number of inquiries on your credit report was obtained from Experian. If you believe the information is incorrect, you need to contact Experian directly at their address provided below.Please note the Credit Card Agreement (CCA) gives us the right to investigate customer credit records and to close an account at any time, for any reason.We have verified we are reporting the account correctly to the credit reporting agencies. We respectfully decline to reopen your account; however, you may reapply for a new account in the future if you would like. For more information regarding credit bureau reporting and what may or may not affect your credit score, please contact the credit reporting agencies below. In addition, you are entitled to contact the credit reporting agency mentioned in the enclosed letter to obtain a copy of your credit report used to make the account closure decision.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: Consumer Financial Protection Bureau

Dear Ms. [redacted]We received the correspondence you sent to the Revdex.com of CentralOhio regarding PayPal Credit. Your correspondence was forwarded to Comenity CapitalBank. The PayPal Credit product is issued by Comenity Capital Bank (Bank) andserviced by Bill Me Later, Inc. PayPal Credit...

is a payment option made available bymany merchants to their customers.Your correspondence indicates you were asked personal information such as the lastfour digits of your social security number and date of birth; however, you were not giveninformation about the purchases on the account in your name. You state you are beingcharged interest which you never agreed to. In addition, you state you received formsfrom PayPal Credit, but are unable to complete them because you do not have therequested information. You are requesting PayPal Credit provide you with purchasedetails.PayPal Credit's records reflect your PayPal Credit account was opened on February 19,2016, with an online purchase of $174.90 through PayPal merchant [redacted]. Inorder for your application to process with PayPal Credit, you provided your name, dateof birth, billing address, phone number, and social security number. You affirmativelyagreed to E-Sign Consent and to be presented with the Terms and Conditions and otherimportant disclosures electronically, which required that you click "Agree and Continue."You then affirmatively accepted the electronically presented Terms and Conditions byclicking “Agree and Apply.” The first line of the Terms and Conditions provided to youduring the application process states, “PayPal Credit is an open-end credit plan offeredby Comenity Capital Bank (the “Lender”).” This immediately informs a consumer thatthey are applying for a line of credit.After you agreed to the Terms and Conditions, you were presented with a non bypassabledisclosure box that states, “Just to confirm…You’re applying for a credit linethat is subject to interest. We’ll send an email to, [redacted] each timeyour new statement is ready to view online.” You then selected “Agree and Apply.”Your February 2016 statement shows your purchase of $174.90 with [redacted]on February 19, 2016. This purchase qualified for “No Payments + No Interest if paid infull in 6 months” promotional financing until September 21, 2016. PayPal Credit’s Termsand Conditions state, in part, "If you do not pay the balance in full by the ExpirationDate, you will be charged interest from the transaction posting date.” When yourpromotional financing expired on September 21, 2016, the purchase was not paid in full,and you were charged accrued deferred interest in the amount of $11.76, which isreflected on your October 2016 billing statement.From September 3, 2016, through October 1, 2016, you called PayPal Credit five timesregarding your account. Your account was reviewed for fraud, and on September 5,2016, you were sent correspondence stating your fraud claim was denied becausethere was no indication of fraud in connection with your account. This letter alsorequested supporting documentation (such as a detailed police report or identity theftreport) and included a Fraud Affidavit. PayPal Credit received your unsigned FraudAffidavit on October 5, 2016; however, to date, PayPal Credit has not received anyadditional documents in support of your claim. In addition, please note that during theabove-referenced calls, PayPal Credit provided account details such as your accountnumber, account open date, and purchase details, as well as the email address[redacted] to contact the merchant regarding the purchase on youraccount.Upon receipt of your complaint, PayPal Credit reviewed your account again for fraud;however, your fraud claim remains declined. With the information currently in PayPalCredit's possession, there is no indication of fraud in connection with your account. Inorder for PayPal Credit to further investigate your allegation of fraud, we ask that youprovide the previously requested documentation which may include a police report, aFederal Trade Commission affidavit available at www.ftc.gov, a complaint filed with theInternet Crime Complaint Center (http://www.ic3.gov), and/or any other similardocumentation. You may fax this documentation to (443) 921-1996 or mail it to thefollowing address:PayPal CreditAttn: Executive EscalationsP.O. Box 5018Timonium, MD 21094.Please be advised, PayPal Credit representatives will ask to verify your name and anyof the following information: account number, date of birth, last four digits of your socialsecurity number, billing address or email address, before discussing your account withyou. This practice is designed to keep your information safe.On October 7, 2016, a payment in the amount of $186.66 was received by PayPalCredit. This payment brought your account balance to zero. As of November 3, 2016,your account is current and no minimum payment is due at this time.We hope this letter explains and resolves this matter.Sincerely,Jessica A[redacted]

Dear [redacted]:We received an additional complaint regarding the above-referenced account. Comenity Capital Bank issuesDentalFirst Financing credit accounts, and we are here to help with account-related questions. Your complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity torespond to your concerns.In the complaint, the Revdex.com is asking for more information regarding the amount you wereoriginally charged and a chronology of the original amount financed, beginning balance and origination date,promotional credit applied, balance due after promotional credit, how payments were applied, interest and/or latecharges, details regarding refunds issued, customer’s current balance, and actual payments received. We havereviewed the account and here are our findings.The Bank’s records indicate that on October 15, 2013, a charge of $4,963.00 posted to your account. Thispurchase was placed on a 60 month low Annual Percentage Rate (APR) (14.99%) equal payment requiredpromotional plan that was set to expire on October 19, 2018. Purchases on this plan will have a lower APR thanthe regular revolving APR and will have minimum payments of the same amount each month. We are providingcopies of your billing statements and the signed sales agreement for your reference. In addition, please reviewthe enclosed account activity log which is to assist you with a quick review of the information provided on eachof the enclosed billing statements. If there are discrepancies, please contact me directly at the telephone numberlisted below.Our records further indicate that the statement issued on July 6, 2014, reflects a return credit of $2,208.00 and apayment of $500.00. After these credits posted to your account it left a credit balance of $823.58. A refundcheck in the amount of $823.58 was issued to you on August 7, 2014; however, this check was not cashed, andis no longer valid.Furthermore, on October 9, 2015, a return credit of $2,094.00 posted to your account. This left a credit balanceon your account. A refund check in the amount of $2,094.00 was issued to you on December 7, 2015 . Thisrefund check has not been cashed as well.Please be advised that I have reissued a refund check for $823.58. You should receive this within 7-14 businessdays. Additionally, the refund check in the amount of $2,094.00 is still valid. If you have not received this refundcheck and need to have a new one issued to you, please contact me at the phone number below.We hope this information is helpful. Should you have any additional questions or concerns, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and will contact the other [redacted] entity to resolve the issue, which remains unresolved.

I reviewed the response made by the business in reference to complaint ID [redacted], and appreciate that Comenity Bank has responded so...

quickly that they will look into this matter.  Currently, I am find their response satisfactory.  I have attached the letter I mailed to the bank this morning.

Dear [redacted] We have received the complaint regarding the above-noted account. Comenity Capital Bank issues Ideal Image® VIP credit accounts, and we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my...

attention, and I appreciate the opportunity to assist you. In your complaint, you state that you attempted to contact the Bank on several occasions regarding your promotional plan; however, you were unsuccessful. You further state that your promotional plan ended and your account was assessed the accrued interest of $882.98. You recently contacted the Bank and were advised that a total credit of $360.00 would be issued. However, you are requesting that the full finance charges be credited to your account. I understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Our records indicate that on March 25, 2014, a purchase of $2,876.40 posted to your account and was placed on an 18-month deferred interest, payment required plan that was sent to expire on September 26, 2015. 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 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. 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 September 11, 2015, showing you a balance of $1, 293.40 and a minimum payment of $52.00 due by October 7, 2015. Under the “Details of your Plans” section of that statement, it stated that the balance of $1,293.40 needed to be paid by September 26, 2015, to avoid the accrued interest. As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $882.98 was assessed to your account on September 26, 2015. Comenity Capital Bank has not found any errors with the account; however, in the interest of customer service, a total credit of $360.00 was issued to your account. Please be advised that the Bank is unwilling to remove the remaining balance, as it is valid. We hope that this information is helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]

You can attach all the statements that you want.  Point is this was not explained until the finance charges were already there.  When I received the statement about paying the $453 to avoid charges I didn't have the money that month to pay that off and that is when I was made aware that the amount I was paying was not enough to avoid the finance charges once the second balance was added.  It was false on Comenity behalf to lead me to believe that the minimum amount that was due would avoid these fees.  I always paid extra so didn't understand how I could be behind or accruing finance charges.  I will in no form payment a penny of these finance charges and you have been made aware of that since that first statement came out with the finance charges on it. 
Regards,
[redacted]

Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Ultamate Rewards® credit card. We arehere to answer your questions and assist with your concerns.We understand from your correspondence that the above...

noted account has been paid in full,you state that you made two payments to the account one in December for $100.00 and inNovember for $158.23. You state that after the payments were made to your account you receivedanother billing statement which reflected a late fee of $30.00. You state that you received anotherbilling statement for a balance of $62.00. Furthermore you state that on February 3, 2017, youcontacted our Customer Service department and spoke to one of our representatives and advisedthat you were calling to pay off the account and you requested a confirmation number. You arerequesting to have the late fee refunded to your account. Additionally you state that you receivedtwo different promotional letters for magazines that you immediately cancelled due to them beingunauthorized.Bank records indicate your due date is the 20th of every month. On November 24, 2016, we issueda statement with a balance of $158.23 and a minimum due of $30.00 by December 20, 2016. OnDecember 25, 2016, another statement was issued notifying you of a payment that was made tothe account in the amount of $158.23, also on that same statement a late fee was added in theamount of $30.00 due to your payment being received after your due date. On January 25, 2017,a billing statement was issued with a balance of $62.00 at this time an additional late fee wasadded to the account due to nonpayment. On February 22, 2017, a billing statement was mailedwith a balance of $99.00, with a minimum due of $40.00 by March 20, 2017.Additionally, we have reviewed our records and were unable to locate any payment activity orphone call as mentioned in your correspondence for the month of February.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.In the interest of customer service, I have issued a $35.00 credit for one of the latest late fee thatwas added to the account, leaving a balance of $64.00. Please be advised that your next paymentwill be due on or before April 20, 2017.The Bank has no record of any magazine subscriptions or letters being sent to you in regard toany magazine subscriptions.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M[redacted]

...

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the UBG Consumer Credit account. We are here to answer your questions and assist with your concerns.   We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matter. Please find enclosed a copy of our response dated July 7, 2017.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely, Kaija M[redacted] Compliance Dept. – Consumer Responses

Dear Ms. [redacted]We received the complaint you sent to the Revdex.com (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.It is PayPal Credit's understanding that your complaint is regarding your Wyndhamtimeshare purchase. You state you were enrolled in PayPal Credit without yourauthorization. You contacted Wyndham to cancel the purchase and are requesting arefund.PayPal Credit's records reflect your PayPal Credit account was opened on March 25,2016, with a purchase of $12,979.00 to fund the down payment of a timeshare with[redacted]). In order for a PayPal Credit purchase with [redacted] topost to a PayPal Credit account, the consumer must receive and read the Terms andConditions and initial and execute the "Acknowledgment of Application for and Use of aPayPal Credit Account" (Acknowledgment). PayPal Credit's records show you initialedand executed the Acknowledgment on March 25, 2016. As such, you agreed to thefollowing statement, "I acknowledge that I have received the Terms and Conditions of thePayPal Credit Payment System document and I understand and agree to all the termscontained in the document." A copy of the Acknowledgment is enclosed for your records.Pursuant to the Acknowledgment, you also agreed to the following statement: "Iunderstand that my PayPal Credit account is an open-end credit plan issued by ComenityCapital Bank, [and] that neither PayPal Credit, nor Comenity Capital Bank is affiliated with[redacted] and its timeshare product." Thus, you were notified that neither PayPal Credit norComenity Capital Bank were a party to the contract you executed with [redacted]. As such,neither PayPal Credit nor Comenity Capital Bank has the authority to issue a credit toyour timeshare or cancel your contract with [redacted]. Further, this document states, "Iunderstand that I have applied for and agreed to utilize a PayPal Credit Open-end CreditPlan (PayPal Credit account) for the payment of a portion or all of the down paymentrequired for my [redacted] (**) purchase."Please note that Comenity Capital Bank issues credit and PayPal Credit servicesaccounts in compliance with all applicable federal laws and regulations. All creditdecisions involving PayPal Credit accounts are rendered by a non-judgmental, automatedcredit under**iting system. To that end, Comenity Capital Bank has taken great care toensure that all credit decisions involving PayPal Credit accounts are based purely onlegally compliant, non-discriminatory criteria. Further, since PayPal Credit and ComenityCapital Bank are not parties to the contract you executed with [redacted] , neither entity wasphysically present at the time you executed your contract with [redacted] . Therefore, ComenityCapital Bank is unaware of any facts or circumstances concerning the presentationrelated to your [redacted] purchase.On May 10, 2016, and May 19, 2016, PayPal Credit received your correspondencesdisputing your purchase of $12,979.00 from [redacted] . Your disputes were submitted to [redacted]for review in order to confirm whether the purchase was valid. In response, [redacted] informedPayPal Credit you made a valid purchase on March 25, 2016; you signed theAcknowledgment; your contract was active; and no credit will be issued to your account.On May 16,2016, and May 19,2016, PayPal Credit sent you correspondence noting thatyour disputes were denied and you remain responsible for your account balance.Upon receipt of your complaint, your account was referred for investigation and onJune 29, 2016, correspondence was sent to you stating your fraud claim was denied.Based on the information in our possession, there is no indication of fraud in connectionwith your account. This letter also requested supporting documentation and included aDenial of Fraud Affidavit.In order for PayPal Credit to further investigate the allegation of fraud, please provideadditional documentation. This documentation may include a police report filed inconnection with the alleged fraud, a Federal Trade Commission (FTC) affidavit availableat www.ftc.gov, a complaint filed with the Internet Crime Complaint Center(http://www.ic3.gov), and/or any other similar documentation. You may fax thisdocumentation to ######or mail it to the following address:      PayPal Credit      Attn: Executive Escalations      P.O. Box 5018      Timonium, MD 21094Upon receipt of this documentation, PayPal Credit will research your fraud claim again.Until that time, you remain responsible for the balance on your account.To cancel your [redacted] contract or to request a credit to your account, please contact [redacted]directly at ###-###-####.As of June 29, 2016, your account is closed with a balance of $12,979.00.We hope this letter explains this matter.Sincerely,Jessica A[redacted]

Dear [redacted]   Comenity Capital Bank (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 have accounts with Haband and Fingerhut, and have written numerous times to try and get assistance with your accounts. You further state that letters you have written to the President and CEO’s of these companies have been returned to you. Although you contacted the credit departments explaining your concerns, requested statements reflecting what was purchased, and requested cancellation of some late fees and finance charges, you have received no response. We sincerely apologize for any frustration or inconvenience this matter may have caused you.       Please note that Comenity Capital Bank and Haband are separate entities. The Bank issues and is responsible for addressing questions related to Haband credit card accounts. Haband is responsible for handling matters related to sales, merchandise processing, returns and shipping. Comenity Capital Bank is not the credit provider for Fingerhut.      Please also keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and finance charge may be assessed to the account, as explained in the Credit Card Agreement.    We have reviewed our records, regarding the above-referenced Haband account, and we are happy to share our findings.   Our records indicate a purchase of $26.03 posted to the account on March 7, 2016. This purchase consisted of the following items: one pair of American Sweetheart Zippy Canvas Casuals in Denim, for $14.99, two free gifts, $9.99 for shipping and handling charges, and $1.05 for tax.   Our records indicate a purchase of $60.03 posted to the account on May 9, 2016. This purchase consisted of the following items: one pair of Sling Back Dress Casual Sandals in Taupe, for $21.99, one pair of Comfort Well by Beacon Butterfly Kisses Sandals in Black, for $21.99, one free gift, $12.99 for shipping and handling charges, and $3.07 for tax.   We have also reviewed your past correspondence sent to the Bank regarding the above-referenced Haband account. Our records indicate that responses were sent to you on the following dates: June 23, 2016, June 27, 2016, July 18, 2016, and October 15, 2016. We have enclosed copies of these letters for your review.             Although we find the late fees and finance charges assessed to the account to be valid, the Bank has made the decision to no longer hold you responsible for the remaining balance. In the interest of customer service, on February 27, 2017, we issued credits totaling $281.94 to the account. As of today’s date, the account balance is zero.       Notification was sent to the credit reporting-agencies regarding the Haband account, to remove the negative payment information. This update should appear on your credit file within the next 45 calendar days.    I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.             Sincerely,   Laura R[redacted]

Dear [redacted]We have received a complaint regarding the above-noted account. Comenity Capital Bankissues Lending Club Patient Solutions credit accounts, and we respond to all account-relatedconcerns. Your complaint, addressed to the Revdex.com, was forwarded to myattention, and I...

appreciate the opportunity to assist you.In your complaint, you state that you had a root canal done and used your Lending Club PatientSolutions credit account to finance the procedure. Furthermore, you state that your minimumpayments were about $87.00 to $90.00 a month; however, you were unable to make thosepayments and interest has been assessed to your account. You further state that you havebeen receiving collection calls and would like them to stop. You are requesting that the Bankwork with you and accept the small payments until you are able to afford the normal minimumpayments. We understand your concerns and apologize for any inconvenience or frustrationthis matter may have caused you.Please note, when the Bank’s records show that the minimum payment due has not beenreceived by the due date on an account; we will make attempts to contact the accountholderregarding the status of the account. Many times a payment is overlooked by the customer, anda reminder call is helpful to bring the account back to a current status. Due to potential negativeramifications for our customers if an account remains delinquent, Comenity Capital Bank maycall the customer until our attempt to communicate is successful.We have reviewed your account, and we have updated the account to ensure that you are nolonger called on the telephone numbers ending in 1809, 9539, and 2313. However, you remainresponsible for the balance on the above-referenced account. Please keep in mind that theBank may contact you by mail or service of court filing.Our records indicate that on May 26, 2015, a purchase of $1,000.00 posted to your account andwas placed on a 12-month waived interest equal payment required plan that was set to expireon May 26, 2016. For purchases on this plan, the customer is required to make paymentsbased on the standard repayment terms for their account while on the plan. However, allfinance charges are waived during the promotional period, as long as the required monthlypayments are received. Additionally, if the balance is not paid in full by the plan end date, thepromotional plan balance is added to the customer’s revolving balance, where it will be includedin the normal revolving finance charge calculation. This information appeared on your monthlybilling statements, under the heading, “Details of your plans”. I have enclosed your billingstatements for your review.Upon further review, our records indicate that a statement was issued to you on June 23, 2015,indicating a balance of $1,000.00 and a minimum payment of $84.00 due by July 19, 2015. Asa result of the minimum payment not being made by the due date, a late fee was assessed toyour account.Furthermore, for the months of August 2015, September 2015, October 2015, November 2015,December 2015, and January 2016, a payment was either not received or did not meet therequired minimum payment; therefore, late fees and finance charges were assessed to youraccount, per the Credit Card Agreement (CCA). I have enclosed the CCA for your review.Bank records indicate that your account exceeded six consecutive billing periods past due andwas permanently closed, written-off, and reported to the national credit-reporting agencies as anunpaid debt on January 24, 2016.To discuss your payment options, please contact our Recovery team at ###-###-####(TDD/TTY ###-###-####).We hope this information is helpful. Should you have any additional questions or concerns,please contact our Recovery team at the number provided above. They would be happy toassist you.Sincerely,Jenny W[redacted]

I would like to have my $2 refund.