Comenity Capital Bank

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 [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]  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 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]

Dear [redacted]We received your complaint, sent to the Revdex.com. Comenity Capital Bankpreviously issued American Laser Skincare credit accounts, and we are here to help answeryour questions. I appreciate the opportunity to assist you with your concerns.We are also in receipt of...

your correspondence submitted previously regarding this same matter.Please find enclosed a copy of our response to you on June 17, 2015.I hope you have found this information to be helpful. If you have any questions or concerns,please feel free to contact me at ###-###-####, ext. ([redacted]) (TDD/TTY (###-###-####).I will be happy to assist you.Sincerely,Jenny W[redacted]Dear [redacted]Thank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincare(ALS) credit card, we're here to help with your questions.You recently disputed a transaction on your American Laser Skincare (ALS) account. Due to the Servicesnot used, a credit of $510.00 has been applied to your account.Please be advised that Comenity Capital Bank and American Laser Skincare are two separate entities.The Bank is responsible for addressing questions related to credit accounts, while American LaserSkincare is responsible for the handling of matters related to sales, services provided and refunds.As of 06/16/2015, your balance is $2,737.01. Please note if you have a zero balance you will not receive astatement showing the adjustments.While we investigated this matter, we issued your account a temporary credit for the disputed amount and,if applicable, any related finance charges. These credits appeared on your billing statement as a"provisional credit" and a "finance charge credit." You will see both credits removed on your nextstatement. We also postponed charging any interest on the disputed amount while we were investigating:if applicable, this interest will appear on your next statement as finance charge recovery."We have updated the information we provided to the credit bureaus to reflect the correct information.Sincerely,Customer Care team

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 Mr. [redacted]:   We received your complaint, addressed to the Revdex.com, regarding the above-noted account.  Comenity Capital Bank issues GameStop PowerUp Rewards™ credit card accounts, and we respond to all account-related concerns.  Your complaint was...

forwarded to my attention, and I appreciate the opportunity to assist you.  We understand from your complaint that you purchased one item from GameStop, and that you paid for that item; however, you believe that you were charged twice for the item.  You are requesting the Bank cancel the second item and reduce your account balance to zero ($0.00).  We understand your concerns, and we sincerely apologize for any inconvenience you have experienced due to this matter.  Please note that Comenity Capital Bank and GameStop are two separate entities.  The Bank is responsible for addressing questions related to the credit card account, while GameStop is responsible for handling matters related to sales, merchandise processing, returns, and shipping.  After a thorough investigation, our records indicate that two transactions totaling $99.98 for a One Year PlayStation Network membership were applied to the account on January 19, 2015.   On February 5, 2015, a statement was issued indicating a balance of $99.98 with a minimum payment of $25.00 due by March 3, 2015.  Please note Comenity Capital Bank received your payments of $25.00 on March 7, 2015, and $27.00 on March 28, 2015.  On February 17, 2015, the Bank received notice that you were disputing the second transaction.  While we investigated this matter, we issued a temporary credit of $49.99 to the account, to postpone charging any interest on the disputed amount.  This credit was outlined on the March 8, 2015, billing statement as a “provisional credit”.  At the conclusion of the billing dispute, GameStop provided documentation indicating that the transactions were two separate orders; as a result, Comenity Capital Bank removed the provisional credit applied to the account and added the charge of $49.99 back to the account.  On April 7, 2015, a statement was issued indicating a balance of $49.98 with a minimum payment of $25.00 due by May 3, 2015.  As no payments were received for the months of May through July 2015, late fees and finance charges were applied to the account, pursuant to the terms outlined in the Credit Card Agreement (CCA), and the GameStop PowerUp Rewards™ account was reported to the credit-reporting agencies as 60-days past due.  On your behalf, we contacted GameStop regarding the two transactions, and once again, their records confirmed that two separate orders were placed for a One Year PlayStation Network membership.  Their records further confirmed that the orders were digitally delivered to the email address you provided at the time of purchase, and that the individual codes for both orders have been activated.  Should you have any further questions regarding these two transactions, we encourage you to contact GameStop directly at ###-###-####.  Based upon the information we received from GameStop, the Bank declines the request to cancel the second transaction and reduce your account balance to zero ($0.00).  However, in the interest of customer service, we issued credits totaling $41.00 for the previously assessed Bank fees: a credit of $6.00 was issued on July 10, 2015, and a credit of $35.00 was issued on July 31, 2015.  As of today’s date, your account balance is $105.66, and the account is three billing cycles past due.  Should an account exceed six billing cycles past due, the account will be written off, and reported to the credit-reporting agencies as an unpaid debt.  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]

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

Comenity Capital Bank has received your additional correspondence regarding the above-referencedcredit card account. Comenity Capital Bank issues the ZALES credit cards. We are here to answeryour questions and assist with your concerns.We understand the additional concerns as explained in your correspondence, regarding the providedbalance and credit limit by the store and by the Bank’s automated system. We also understand thatyou were asked to provide a letter advising the Bank that you never requested a cease and desist onthe account.As previously communicated, during the conversion of your account, Comenity Capital Bank wasprovided with the transferring of information from the previous lender. At that time, your account hadbeen closed due to inactivity and a do not attempt to collect status was added.We understand that the store and automated service may have provided you balance and credit limitinformation. However, as the account utility no longer exist, the account cannot be used for purchases.Again, we sincerely apologize for the confusion and inconvenience you have experienced as a resultof this matter.This information cannot be changed and our position remains unchanged. It is never our intention tocause a customer a hardship and we welcome you to reapply for a new account.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,Shawnda Y[redacted]Compliance Dept. – Consumer Responses

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]

Dear Ms. [redacted],This letter is to acknowledge the receipt of your letter and response from Comenity CapitalBank dated July 19, 2016 in reviewing the records submitted previously to come to anagreeable resolution in this settlement agreement over the last year. I would like to thank Ms.O[redacted], you, and any other Revdex.com staff involved, Ms. W[redacted] and any otherComenity Capital Bank staff in getting this issue resolved with my credit card account.I request that Revdex.com, please close out both complaints-ID#[redacted] againstComenity Capital Bank and lD#[redacted] against [redacted]'s Department Stores. Although I dohave a question regarding the closing of this account with the store, this now closes theaccount with [redacted]'s -Comenity Capital Bank? If not, I would appreciate if this account nowbe fully closed and if there is a form that needs to be completed, please mail this form to myhome address. I will complete the form and return it to where directed. Once again, I thank allin assisting with getting my credit card account issues resolved.Sincerely,

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]

The representative set up payments for the duration of the program as can be seen in the account history/ payment history. Upon seeing delinquent reported I paid immediately as I thought all payments were scheduled and processed by the representative. And I was only told if 2 payments were missed the account would revert to normal terms and conditions. I never miss a payment on any account as you can see by my credit report they are all current.I have enrolled in other hardship programs and that always causes some issue reporting however the companies gladly request that be removed from my credit profile. All I ask is that you file that with the credit agencies as well. It is reporting $120 past due on my credit report and that is not ok. Also you guys need to work so the website and statements show the same thing instead of misleading information.You can see a rep scheduled every single payment throughout the program duration so there shouldn't even be a missed payment like that. I was assured all payments were scheduled specifically to avoid this happening.

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues multiple credit cards. We are here to answeryour questions and assist with your concerns.We would like to help resolve any concerns you have. However, based on the...

information providedin your correspondence, we have been unable to identify the credit card for which the inquiry wasadded to your credit file. In order to better assist you, please provide us more specific informationregarding your concerns.Once this information has been received, we will be able to more accurately address anyconcerns you may have. Please send this information to my attention at the address on the topof this letter.If you have any questions or concerns, please feel free to contact us at ###-###-####.Sincerely,Renee S[redacted]Compliance 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

No one contacted me at all! I don't believe a company should lie about contacting me and leaving me a message on my phone when I received absolutely nothing! I know the phone number on file is current because I updated it on June 28th
Regards, [redacted]

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 [redacted]:     We received your additional complaint, on behalf of [redacted], regarding the above-referenced account.  Comenity Capital Bank issues Haband credit cards, and we are here to help with your account-related questions.  Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.     You state that you received my letter dated September 28, 2015, confirming the above-referenced Haband account balance was zero; however, your mother continues to receive telephone calls from Haband threatening to sue her.  We sincerely apologize for any frustration or inconvenience this matter may have caused.   Comenity Capital Bank and Haband are two separate entities.  As the bank that issues Haband credit card accounts, Comenity Capital Bank would resolve issues that pertain to the billing of the credit cards and Haband would resolve issues that pertain to the merchandise and shipping charges.   We have reviewed your mother’s account, and we are happy to share our findings.  Our records indicate on September 25, 2015, a letter was sent in response to your Revdex.com complaint.  We have enclosed a copy of this letter for your review.        Please be assured, the telephone numbers, ending in 1198, 8969, 7359, and 7908, were updated so that your mother, [redacted], would no longer receive telephone calls from the Bank.  We are unable to locate any recent calls to the above-referenced telephone numbers.         In order to assist you with your concerns, we would need additional information.  Please provide the telephone number that your mother is receiving calls on, as well as the telephone number caller ID may indicate that the Haband telephone calls are coming from.  Once I receive this information, I will be happy to investigate this matter further.            We hope you find this information helpful.  Should you have any further questions or concerns, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (888) 819-1918).  I will be happy to assist you.   Sincerely,   Laura R[redacted] Consumer Relations Specialist   CC:      Revdex.com

Dear Ms. [redacted]:We received the complaint you sent to the Revdex.com regarding PayPalCredit. Your correspondence was forwarded to Comenity Capital Bank. The PayPalCredit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,Inc. PayPal Credit is a payment option...

made available by many merchants to theircustomers.Your complaint states you were unable to access your PayPal Credit account onlineand a $35.00 late fee was assessed to your account. You requested to have the late feewaived, but a supervisor refused to do so. You are closing the account.PayPal Credit's records reflect on May 16, 2016, you called PayPal Credit stating youhad trouble scheduling a payment while you were traveling and you asked if any latefees you may have been charged could be waived. Additionally, on July 18, 2016, youcalled PayPal Credit stating you had trouble accessing your account while travelingbecause you left your computer at home and you did not remember your PayPalaccount password. You stated that as a result, you were unable to make your paymentson time and late fees were added to your account. You requested to have the late feeremoved.As a courtesy, the late fee of $35.00 that was assessed to your account on February 17,2016, was waived. You were advised that no additional late fees would be waived.Please note that the late fee was waived as a courtesy; however, all fees assessed toyour account were charged in accordance with the Terms and Conditions.Upon receipt of your complaint, PayPal Credit consulted with PayPal who advised theyhave no record of failed attempts to log in to your PayPal account or attempts to recoveryour password during your billing cycle ending July 14, 2016. Further, PayPal has norecord of any login issues occurring during that billing cycle.For future reference, PayPal Credit offers several convenient ways to make yourpayment if you are not able to access your account online:• If your PayPal Credit account is linked to your PayPal account, you can payonline at PayPal.com using the checking or savings account associated withyour PayPal account.• You can send a check or money order to PayPal Credit, [redacted]• You can pay through our automated system by calling ###-###-####.Please note that per the Terms and Conditions, any late payments will be subject to alate fee of up to $35.00.As of July 21, 2016, your account is open with a balance of $2,172.27 and a minimumpayment requirement of $83.00 due by August 14, 2016. After a review of your account,PayPal Credit has determined the balance is accurate and no adjustments are needed.Please note that you are responsible for the remaining balance on the account.If you would like to close your account, please contact PayPal Credit directly at ###-###-####.We hope this letter explains and resolves this matter.Sincerely,Jessica A[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**