Comenity Capital Bank

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]
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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 [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 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.

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]

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

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

Dear Ms. [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions.  Your complaint was forwarded to my attention, and I...

appreciate the opportunity to assist you. We understand from your complaint that in early December 2015 you received a package  which you did not order and did not want.  Although you were told that you could send the package back at no charge, you received a bill for shipping and other fees.  You attempted to have your son contact the Bank; however, his attempt was unsuccessful.  You are requesting to be reimbursed for all fees, including punitive damages, the account to be closed, and all mailings to stop.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.  Please understand that Comenity Capital Bank and Haband are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.  Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling.  When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded.  Additionally, if you use the provided Smart Label for the return, your account is billed $9.99 for the cost of the return shipping. On March 4, 2016, a payment of $75.97 posted to the account. We contacted Haband, on your behalf, regarding your complaint.  On November 23, 2015, a purchase of $93.87 posted to the account.  This purchase consisted of twelve ornaments.  On   December 22, 2015, a credit of $76.89 posted to the account for eleven ornaments and a charge of $9.99 posted to the account for the Smart Label fee.    On March 17, 2016, Haband issued credits totaling $26.97 to remove one Smart Label fee, shipping and handling charges, and one ornament.  In the interest of customer service, the Bank issued credits totaling $51.00, to remove the previously assessed late fees and finance charges.  All credits have posted and resulted in a credit balance of $75.97 on the account.  Because the account has a credit balance, we have requested for a refund check of $75.97 to be sent to you.  Please allow 14 days to receive the refund check, as it will be sent by a separate mailing. The above-referenced account was closed, per your request, on March 25, 2016. Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report.  Please allow 45 days for the credit-reporting agencies to update this information in their records. Please be assured, we have opted your account out of direct mailings, from the Bank, regarding the Haband account.  Please allow four to six weeks for all mailings to cease.   We respectfully deny your request for compensation.     We hope you find this information helpful.  If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Laura R[redacted]

Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Bank issues the above-referenced credit card accounts, and we arehere to assist you with all account-related questions. I appreciate the opportunity to respond...

toyour concerns.We understand from your complaint that you were told by one of our customer service agents thatall of your accounts with Comenity Bank have been closed, even though you have balances andyou have never been late on the accounts. You were told the accounts were closed due to thefact that the Bank wrote off three other balances that you had with accounts that you have notreceived anything from.We would like to thank you for your time as a valued cardmember. We closed your abovereferencedaccounts, because one or more of your past accounts has been in extremedelinquency status with our bank.What does this mean to you?Your above-referenced credit cards will no longer be accepted for purchases. You are stillresponsible for paying any balance on your accounts referenced above, and you’ll continue toreceive monthly statements until your balance is paid in full. Please be sure to update anycompanies that automatically bill your accounts for uninterrupted service.We are unable to reopen the accounts, but you may reapply at any time.I hope this information is helpful. If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**

Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues [redacted] Rewards Visa@ credit card accounts, andwe respond to all account-related questions. Your complaint was forwarded to my attention,and I appreciate this...

opportunity to assist you.Your complaint states that you applied for the [redacted] Reward Visa@ credit card, and attemptedto make a purchase using the temporary card. You further indicate that the temporary card didnot populate, preventing you from making your purchase. Additionally, you are requesting topurchase the block of rooms at the rate that was available at that time of the sale.We apologize for any inconvenience you may have experienced regarding this matter. Pleasebe advised, if the temporary card number did not populate during the time of application,Comenity Capital Bank would have been unable to provide you with the account number inorder to make your purchase.In the future, should you have any problems with your [redacted] Rewards Visa please contact ourCustomer Care Department at ###-###-#### so we may assist you with any concerns.Additionally, at this time Comenity Capital Bank is unable to replicate the rate that was availableat the time of your intended purchase.Should you have any questions or concerns regarding this letter, please feel free to contact meat ###-###-####, ext. [redacted] (TDDTTTY ###-###-####). I would be happy to assist you.

Dear Ms. [redacted]We received your complaint, submitted to the Revdex.com, regarding the above-noted account. Comenity Bank issues PINK credit card accounts, and we are here to answer account-related questions. The complaint was forwarded to my attention, and I appreciate the opportunity...

to address your concerns.Your complaint states that you were told the account would not accrue finance charges by signing up for Account Assure, and after getting injured causing unemployment, the account started being charged for finance charges and late fees. You indicate that you never got any notices, calls, or emails; deciding to pay the debt, you called the Bank and set up payments. You set up payments every week for 10 weeks beginning July 8, 2016. On July 5, 2016, your bank was overdrawn by $100.00. You called and was advised this would be investigated; if our mistake we would credit your bank account and you would hear from us within 1-2 business days. In the process, you disputed the payment with your financial institution and they refunded you for the payment and fee; however, the next day, the Bank withdrew money from your account again, causing another overdraft and fee. You again called Comenity Bank and because the associate was not available to help you, you would hear back the following day. It has been over a week and you have not heard from anyone. You are requesting the Bank to clear the balance, stop calling you, and correct your credit report.We reached out to our third party vendor AON Integrated regarding the Account Assure enrollment and telephone conversation. After review of the telephone call, there was no evidence to suggest that you were told finance charges would not be assessed to your account if enrolling into the program.The account is assessed finance charges each month if the statement balance is not paid in full. As the balance was not paid in full, the account accrued monthly finance charges. As the payments were not received for six billing periods, the account was also assessed late fees, which is explained in the Bank’s Credit Card Agreement.I reviewed the applicable telephone call and you spoke to our Recovery team on June 28, 2016. During this call, you agreed to make a payment arrangement that allowed you to set up payments for $100.00 weekly, with the first payment being scheduled for July 1, 2016. The additional payments you scheduled were for the following dates: July 8, July 15, July 22, July 29, August 5, August 12, August 19, August 26, September 2, and the last payment of $71.96 for September 9.On July 5, 2016, you contacted the Bank to dispute the payment date for July 1, 2016. After researching the payment dispute, a Bank associate attempted to contact you by telephone on July 11, 2016, and had to leave a message. As such, you were sent a letter on July 11, 2016.As the payment arrangement was authorized by you, the Bank is unwilling to credit the balance or refund any fees that may be assessed. If you wish to stop the future payments scheduled, as you did not indicate this in your complaint, please call our Recovery team.As of today’s date, the account balance is $771.96. However, please keep in mind if you disputed the previous payment(s) with your Bank and they are reversing them on your behalf, these payment(s) would be returned to Comenity Bank and debited back to the account balance, which will reflect on the account within the next 30 days.Additionally, per your request, a “cease and desist” status has been placed on your account. This cease and desist request will stop all future collection calls. You will continue to receive legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:Comenity BankPO Box 182273Columbus, OH 43218-2273We apologize for the inconvenience you may have been caused. If you have any further questions or concerns, please contact our Recovery team at the number provided. They will be happy to assist you.Sincerely,Shawnda Y[redacted]

Hi I am sending this message on behalf of my mom [redacted], complaint ID#11988827, my mom told me she was contacted by phone last week regarding this credit card, and stating she owed them another $58 in which they had pressured her to pay them by phone.  She did not, but was unable...

to get a name of the person calling from the Comenity Capital Bank.  I believe she said it was Thursday 2/16/17 she had received the call. Thank you for your help.[redacted]

I owe you a huge apology. I should have written sooner. There's no way toexpress how grateful I am for your help on this issue.I had just about given up until I heard from you. My son even tried talking toComenity but it was you and the way Revdex.com made the difference.I had let the situation bother me and couldn't get it off my mind. I had sent all theevidence needed but not until after you got involved could I see some light.This is probably an inadequate reason for my not following with a thank you but itwas crunch time with the IRS regarding my husband's death of a year ago. Wekept getting new rules, corrections and unrealistic deadlines (like 2 days to redo)from our atty.Please use any part of this letter as a quote fiom me. I always knew the Revdex.com is anaffective tool for citizens but never expected the understanding, interest and help Ireceived. Thank you so much. I can sleep better now.[redacted]

Dear [redacted]: Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced account. Comenity Capital Bank issues the Smile Generation Financial credit card. We are here to answer your questions and assist with your concerns. We understand you opened the Smile Generation Financial account through your dental office in which they automatically bill the account. You received your credit card; however, you never received a billing statement or correspondence in regard to the amount owed on the account until recently. You received a letter from the Bank advising the account had been closed, and it would be sent to a collections agency. You are requesting to have the account re-opened, the credit limit reinstated, the write off removed from your credit report, and you want to negotiate repayment. The account was opened on June 6, 2016, and the credit card was sent out along with the welcome kit. On July 25, 2016, the amount of $357.00 was charged to the account, and the first billing statement was generated on August 21, 2016. The statement was returned to the Bank due to an insufficient address, and the account was updated with a returned mail status. When returned mail is on an account, additional mailings will not be sent on the account until the address is updated. The address was updated with the current address on April 4, 2017. As such, the Bank sent correspondence providing you with an update of the account. Please be advised that although billing statements were not able to be sent due to the returned mail status, normal statement activity continued on the account. As payment had not been made on the account, late fees and finance charges were assessed according to the Credit Card Agreement. The account exceeded six billing cycles past due, was closed by the Bank, and written off as an unpaid debt. Please be advised that in response to this dispute, the Bank sent you a letter on June 16, 2017, which advised the reporting of the account was accurate. Please disregard that letter. Under the circumstances, we have notified the credit reporting agencies to delete the account, in its entirety, from your credit report.. Please allow 45 days for the credit agencies to update their records. Since the account was written-off, it is unable to be reopened. If you would like to have a Smile Generation Financial credit card account, you would need to reapply. As a courtesy, we have waived the balance on the account. 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, Diamond L[redacted]

I do not see how giving me $68 dollars is meeting a compromise at half.  I look at the back of the bill and it does not say I will be charged by almost forty percent of what I originally owe.  It is no mine as I will no longer be using my [redacted] or HSN card any further.  Imagine losing thousands in future earnings from this customer because Comenity-Bank has a one size fit all attitude.   $68 dollars to try and appease me is insulting and shows that the customer means nothing to them.
Regards, [redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the GameStop PowerUp Rewards credit card.We are here to answer your questions and assist with your concerns.We understand you had problems utilizing our online Account...

Center, and were unable to seeaccount details or submit a payment. You state you paid the account balance in full and closedthe account; however, additional charges were assessed to the account. You are requesting tohave the delinquencies removed from your credit report, as they were caused by Account Centernot providing you with your account details. Furthermore, you request to have the latest chargesremoved.Your account was registered through our online Account Center on April 22, 2017, which providesaccount holders the ability to view statements and make payments online. After a review of theaccount activity, we find this was the only attempt to access Account Center. We apologize if youwere having difficulty with the system.Please be advised that your account was not enrolled in paperless billing through Account Center.As such, billing statements were sent via the United States Postal Service. The last billingstatement was sent on October 25, 2017, and we do not have record of mail being returned asundeliverable. To provide the best customer service possible, we offer multiple ways to make apayment. This information can be found on your monthly billing statement as well as online byvisiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterThe due date of the account is the 20th of each month. Our records indicate there has not been apayment made that met the criteria of an on time payment. Please keep in mind that whenpayments are not received, are made for less than the minimum required, or are received afterthe due date cut-off time, the account will be assessed a late fee, as explained in the Credit CardAgreement.After further review, the account was closed per your request on October 18, 2017, and the finalpayment of $37.00 was made. At that time the Bank advised you the remaining balance of $65.95would be credited. Please be assured that there were no further charges assessed to youraccount; however, there was a delay in having the full amount credited as promised. Please be assured, the full amount has been credited and your account balance is zero. We apologize forany inconvenience this may have caused.There have been two instances in which you have been reported as 30 days late to the creditagencies; June and September 2017. As a courtesy, we have submitted a request to remove thedelinquency reported in September 2017. Please allow 45 days for the credit agencies to updatetheir records.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Diamond LongCompliance Dept. – Consumer Responses

From: Presutti, Jennifer [mailto:[email protected]] Sent: Tuesday, January 24, 2017 1:16 PMTo: Catherine McLaughlinSubject: Extension Request ID 11950191 - WarrenSensitivity: PrivateHi Catherine, I am requesting a 10-day extension for the above-noted complaint through...

2/9/17.  Please let me know if approved.   Thanks! Jennifer PresuttiCompliance Analyst |  Enterprise Compliance Comenity LLC, an Alliance Data Company3095 Loyalty Circle, Columbus, OH  43219Office: 614.528.4532

Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the EXPRESS NEXT credit card. We are here to answer yourquestions 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 dated July 20, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses

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

a payment option made available bymany merchants to their customers.Your complaint states you found multiple hard inquiries on your credit report fromPayPal Credit. You were previously informed by PayPal Credit that hard inquiries wouldnot be performed, other than the initial credit check upon application. You would like allof the hard inquiries removed.PayPal Credit's records reflect your PayPal Credit account was opened on October 29,2011, through a link to a direct online application on eBay.com. In order for anapplication to process with PayPal Credit and an account to be opened, the consumermust provide their name, date of birth, last four digits of their social security number,and agree to and accept the electronically presented Terms and Conditions at the timeof application.Upon receipt of your complaint, PayPal Credit submitted your account for research andfound that on February 15, 2014, February 19, 2014, and December 1, 2014,applications were submitted in your name through PayPal Guest checkout. On eachdate, when the application was submitted, a credit check was performed and an inquiryis visible on your credit report. Please note the first line of the PayPal Credit Terms and Conditions provided to you during each application states, in part, "PayPal Credit is anopen-end credit plan offered by Comenity Capital Bank (the "Lender")." Thisimmediately informs a consumer they are applying for a credit product and not making atraditional PayPal purchase. Further, the PayPal Credit Terms and Conditions state, inpart, "By using PayPal Credit to complete a purchase, you apply for credit and agreeyou have read the Terms and Conditions, including the Agreement to Arbitrate, as well as the Privacy Policies; and authorize the Lender to review your credit report."PayPal Credit obtained a copy of your credit report when you first applied for yourPayPal Credit account on October 29, 2011. PayPal Credit performs occasionalreviews of your credit. These reviews are soft inquiries and are not visible to othercredit guarantors; soft inquiries do not impact your credit score. However, because yousubmitted multiple PayPal Credit applications, PayPal Credit treated each application asan attempt to create a new account. Therefore, three additional credit inquiries wereperformed. With the information found during each application attempt, PayPal Creditwas able to link the application to your existing account.As a courtesy, on July 27, 2015, PayPal Credit sent a request to Equifax to have thethree credit inquiries removed from your credit report. Please be advised this removalprocess can take up to thirty days for Equifax to complete. For future purchases and toavoid unnecessary credit inquiries, we recommend you log into PayPal and selectPayPal Credit to complete your purchase.We hope this letter explains and resolves this matter.Sincerely,Laura C[redacted]

never resolved original issue- inactivating my account without my knowledge and now pulling a credit report which , when asked, I did not give them consent to do
Regards, [redacted]

Dear [redacted]:We have received the complaint regarding the above-referenced account. Comenity Capital Bank issues Petland credit card accounts, and we are here to help with your account-related questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention,...

and I appreciate the opportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you purchased a puppy and $1,200.00 was charged to your account in June 2015. Furthermore, you state that your current bill is $1,678.23 because late fees and finance charges were assessed to your account. You further state that you have attempted to contact the bank to resolve the bill; however, you have not had any success. You are requesting that your account be corrected and reflect the actual amount owed and for the phone calls to stop. We apologize for any frustration or inconvenience this situation may have caused you.Our records indicate that on June 26, 2015, a purchase of $1,200.00 posted to your account and was placed on a 6-month deferred interest, 1% payment required plan, that expired on December 27, 2015. For purchases on these plans, the customer is required to make payments on the promotional plan balance that are less that the minimum monthly payments for their regular revolving balance (generally 1%). 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 regular revolving balance. Please be advised that the information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”.Please note when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact the accountholder regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call the customer until our attempt to communicate is successful.Bank records further show that a payment was not received, or was received after the due date, for the months of August 2015, September 2015, November 2015, January 2016, February 2016, March 2016, April 2016, May 2016, June 2016, and July 2016. As a result of a payment not being received, late fees and finance charges were assessed to your account.Furthermore, on December 12, 2015, a statement was issued to you showing a balance of $1,160.00, and a minimum payment of $25.00, due by January 7, 2016. Under the “details ofyour plan” section, it stated that the balance of $1,160.00 needed to paid in full by December 27,2015, to avoid the accrued interest. As a result of the balance of $1,160.00 not being paid in full by the plan expiration date, the accrued finance charge of $198.32 was assessed to your account on December 27, 2015.Comenity Capital Bank did not find any errors with the account and we are unwilling to remove any fees, as they are valid.We hope the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]