Comenity Capital Bank

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.

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]

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]

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]

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]

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]

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]

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]: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]

Dear [redacted]Thank you for contacting Comenity Capital Bank. We issue multiple retail credit card accounts, and are here to help with your questions. The Revdex.com forwarded your complaint to my attention and I appreciate the opportunity to respond to your concerns.Please accept...

our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Capita Bank. Please be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter at the telephone number that was provided to us. Please be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in [redacted] from Comenity Capital Bank.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist

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]

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 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 Mr. [redacted]Thank you for contacting Comenity Capital Bank. We issue multiple retail credit card accounts.and are here to help with your questions. The Revdex.com forwarded your complaintto my attention and I appreciate the opportunity to respond to your concerns.Your complaint...

states that you are receiving mail concerning personal information, and youwant the mailings to stop.Please be advised that we are unable to locate an account in your name. If the mailings areaddressed to you, please provide the following information:Complete Account NumberAny Previous NamesAny Previous AddressesHome Telephone NumberOur records do not indicate any mail being sent to the address above, in your name. If you arereceiving mail in your name at this address, please mail us a copy of this correspondence to theaddress listed above, or you may fax it to my attention at ###-###-####.If the mailings are addressed to another individual, who does not res~dea t your address, thenplease mark the envelope "return to sender, addressee unknown", and mail the correspondenceback to us so we can update our records.We hope you find this information helpful. If you have any additional questions or concerns.please contact me directly at ###-###-#### (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R[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

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 your concerns.   You state you purchased an item totaling $139.99, which was a gift for...

your son; however, your son has never received this item. You further state you contacted the business which gave you the run around for months. Although you paid $649.71 on February 22, 2017, which was the balance owed, you received a bill stating that you still owed $157.16. You are requesting to have your account closed, and your balance credited to zero. We sincerely apologize for any frustration or inconvenience this matter may have caused you.       Please understand that Comenity Capital Bank, Blair, and Haband are separate entities. Comenity Capital Bank is responsible for addressing questions related to Blair and Haband credit card accounts, while Blair and Haband are responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Blair and Haband allow cross-shopping.    Our records indicate a purchase of $139.99 posted to the account on October 24, 2016. This order consisted of a rotisserie.       We contacted Haband on your behalf regarding your concerns. Please be assured, a credit of $139.99 posted to the account on March 31, 2017, for the rotisserie. In the interest of customer service, the Bank issued a finance charge credit of  $17.17. Your account balance, as of today’s date, is zero.       The above-referenced account was closed on March 31, 2017, at your request.          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,   Laura R[redacted] Compliance Dept. – Consumer Responses   cc: Revdex.com

Dear Ms. [redacted]  Comenity Capital Bank is in receipt of an
additional complaint, submitted to the Revdex.com, regarding the
above-noted account.  As the bank that
issues the HSN credit card, we are here to respond to all credit related
questions.  I appreciate the opportunity
to assist you with your additional concerns.You state in the complaint that you returned
all items, which were either incorrect or defective, to HSN, via the United
States Postal Service (USPS), and that HSN validated the receipt of the
returned items on a recorded line.  As
this matter is continuing to affect you and your family, you are seeking a
credit towards your HSN account for the items that were allegedly returned.  We sincerely apologize for the continued
frustration that you have experienced as a result of HSN records indicating
that they have not received the returned items.  As stated in the Bank’s previous
correspondence, HSN is responsible for handling matters related to sales,
merchandise processing, returns, and shipping.  While Comenity Capital Bank is responsible for addressing questions
related to the credit card account.  For
that reason, should HSN’s records indicate that merchandise was not received at
their warehouse; a returned credit will not be issued to the credit card account,
as these credits are initiated by HSN. Comenity Capital Bank has thoroughly reviewed
the account records, including all purchases and returns that were applied to
the credit card account, the applicable telephone calls with Bank employees,
and the previously submitted billing disputes.  We have compared Bank records with those of HSN, and both records indicate
that the items outlined in your complaint have not been returned; as such, HSN has
not issued a credit towards the credit card account.   Based upon the information provided by HSN,
Comenity Capital Bank collectively finds the billing of the items to be valid,
along with any previously assessed interest that was applied to the account.  As of the date of this letter, the balance on
your HSN account is $1,048.15. If you have further questions regarding the
merchandise that you believe was returned to HSN, you must contact HSN’s
corporate office directly at ###-###-####, or you may write to; HSN, [redacted]  We hope you find this information to be
helpful.  If you have any further questions
regarding this letter, please contact me directly at ###-###-####, ext.
[redacted] (TDD/TTY ###-###-####).  I will
be happy to assist you.Sincerely,Lauren S[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]

I would like to have my $2 refund.