Comenity Capital Bank

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]

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]

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]

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]

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]: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]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Blair credit card. We are here to answer your questions and assist with your concerns.   You state you made a purchase...

of $24.99 from Blair on November 23, 2016, and charged it to the above-referenced account. Although you returned the item in December of 2016, you received a phone call on February 10, 2017, from the Bank threatening collections about your account being past due. You further state you explained to the representative that you had not received a statement stating you owed anything. You requested to have a copy of your monthly billing statement emailed to you, and after you reviewed your account information you contacted the Bank regarding the balance of $53.97. The representative you spoke with stated you had to make a payment of $19.99 or your account would be turned over to collections. You are requesting to have the account closed and the late fees removed. We sincerely apologize for any frustration or inconvenience this matter may have caused you.       Please note that Comenity Capital Bank and Blair are separate entities. The Bank issues and is responsible for addressing questions related to Blair credit card accounts. Blair is responsible for handling matters related to sales, merchandise processing, returns and shipping.   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 Smart Label for the return, your account is billed $9.99 for the cost of the return shipping.   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 may be assessed to the account, as explained in the Credit Card Agreement.    On November 23, 2016, a purchase of $24.99 posted to the account for one fleece robe. On December 8, 2016, a billing statement was issued reflecting a balance of $24.99, and a minimum payment of $24.99 due by January 3, 2017.  As no payment was received, a late fee and finance charge were assessed to the account, per the Credit Card Agreement.   On December 28, 2016, a return of $15.00 posted to the account. This return consisted of the following items: credit of $24.99 for one fleece robe , and a charge of $9.99 for use of the Smart Label.     On January 8, 2017, a billing statement was issued reflecting a balance of $36.98, and a minimum payment of $14.99 due by February 3, 2017.   Based upon your complaint, the Bank reviewed the applicable phone conversations. Matters of this nature are referred to management so additional coaching/training can be provided to our associate. Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that.    On February 10, 2017, you spoke with a representative of the Bank, and stated you had not received your statement, and you were unaware that there was a balance on the account. Although the representative stated that late fee and finance charge credits would be given, only a finance charge credit of $2.00 was issued to the account. We apologize that this was not completed as promised. Per your request, the representative emailed a copy of your monthly billing statement to you.   On that same date, after you received your billing statement copy, you contacted the Bank  and spoke with another representative. During that phone call you made a payment of $19.99.          In the interest of customer service, on February 14, 2017, additional credits totaling $41.98 were issued to remove the previously assessed late fees and finance charges. Because the account has a credit balance of $10.00, we are sending you a refund check for $10.00. Please allow 14 days to receive this refund check, as it is being sent in a separate mailing.     The account was closed, per your request, on February 14, 2017. Although you have closed your account, we hope that you will continue to shop with Blair.            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]

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

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

Dear [redacted]:We have received your complaint, submitted to the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues overstock™ credit card accounts, and we are here to help answer your account-related questions. I appreciate the opportunity to...

assist you with your concerns.We understand from your complaint that on March 23, 2016, you received a letter from the Bank indicating your credit limit was increased.  You state you never contacted the Bank to apply for a credit limit increase.  You received an alert from Experian stating your credit was pulled on March 23, 2016; however, you have a fraud alert so that any such request would require you to be contacted before pulling your credit.  We apologize for any frustration this matter has caused you.  I am happy to share my findings.Please be advised that as part of the Terms and Conditions of the account, outlined in the Credit Card Agreement (CCA), you provided the Bank permission to change your credit limit at any time; located in Section C of the CCA.  I have enclosed a copy of the CCA for your review.Bank records indicate on March 9, 2016, our system reviewed your overstock™ account for a credit limit increase and based on the Bank’s criteria, the account was approved for an increase.  Please be advised when the system makes this change, this is a soft pull on the customer’s credit report.  A soft inquiry only appears when a customer pulls his/her own credit report.  The soft inquiry does not appear on a customer’s credit report that is provided to a lender or any other authorized party, and it does not impact the customer’s credit score.Furthermore, Bank records indicate on March 23, 2016, you accessed our online Account Center website and requested a credit limit increase.  Due to the fraud alert, the request was denied because no phone number is listed on your consumer statement.  This request did prompt a hard inquiry to your credit report.  This hard inquiry was not created from the March 11, 2016, increase and is valid.  Please be advised due to no Bank error, we are unwilling to remove the inquiry from your credit report.I hope you found this information to be helpful. If you have any questions or concerns regarding this letter, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.Sincerely,Kaija M[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]

Comenity Bank (Bank) has received your additional correspondence, submitted to the BetterBusiness Bureau. Comenity Bank issues various credit cards. We are here to answer yourquestions and assist with your concerns.It was a pleasure speaking with you. Per our conversation, please reach out directly to PayPalfor further assistance with your concerns.If you have any questions or concerns, please feel free to contact PayPal directly at [redacted]-8423.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

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

explained in your correspondence; you are disputing the $14.97 purchases, as you paid your invoice. You are requesting no further bills and to cease contact. Per your request, a "cease and desist" status has been placed on your account. This cease and desist request will stop all future collection efforts, except those legally permissible. It will also suspend authorizations for new purchases on your account since we will be unable to contact you. You will continue to receive certain 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: 
[redacted] 
[redacted] 
[redacted] This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance. Please be advised Comenity Capital Bank and Appleseed's are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Appleseed's credit card accounts, while Appleseed's is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. We contacted Appleseed's, on your behalf, regarding this matter. They advised that on April 1, 2017, you enrolled in Appleseed’s VIP Plus membership. Appleseed's VIP Plus is an optional service that is offered through Appleseed's. On June 14, 2017, two credits of $14.97 were issued to the account for the membership fees charged to the account. The account has a credit balance of $14.97. As a result of the credit balance on the account, we have issued a refund check for $14.97. Please allow up to 14 business days to receive the check, which will be mailed separately from this correspondence. As requested, the account was closed on June 13, 2017. Although your account is closed, we hope you continue to shop with Appleseed's. 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, Tionna M[redacted] Tionna M[redacted] Compliance Dept. – Consumer Responses

Dear [redacted]:
We received the correspondence you sent to the Revdex.com (Revdex.com), regarding the above-noted account, which was forwarded to my attention. Comenity Bank (Bank) issues Boston Store credit card accounts, and we are here to help answer your account-related...

questions. I appreciate this opportunity to assist you with your concerns.
We understand from your complaint to the Revdex.com that you are receiving eight calls a day from Boston Store. These calls are being made to your cell phone, which you state you did not authorize. You are further requesting these calls be stopped immediately, or you will be forced to file a harassment complaint with the Consumer Protection Agency.
We apologize for the inconvenience caused by our calls and would like to take this opportunity to explain our findings.
On September 2, 2016, we sent a statement showing a balance of $287.10, with a minimum payment of $27.00 due by September 28, 2016. On this statement, Bank records show there were two purchases made to your Boston Store account; August 15, 2016, for $215.27 and August 17, 2016, for $71.83. As payment was not received by the due date, the account fell one billing cycle past due.
When our records show an account as delinquent, we will make attempts to contact the customer regarding the status of the account. Many times a payment may be 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, we may call until our attempts to communicate are successful.
Please be advised that the phone number ending in [redacted] was provided on your credit application as a contact number. However, please be assured you should no longer receive phone calls regarding this matter as we have updated the telephone numbers ending in [redacted] and [redacted] with “Do Not Call” instructions.
Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS), organization for assistance. Their programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditors. We support and participate in the programs provided by CCCS agencies. Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at ###-###-####.
I hope you find this information helpful. If you have any further questions about this account, please contact our Payment Solutions Team at ###-###-#### (TDD/TTY ###-###-####). Our associates are available to assist you with further questions or assist in making payment arrangements.

Sincerely,
Jack C[redacted]

Dear Mr. [redacted]:          We received your complaint, addressed to the Revdex.com, regarding the above-noted account.  Comenity Capital Bank issues HSN 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 ordered a cell phone from HSN, and that you returned the order because the item did not meet your expectations.  You state that spoke with representatives on several occasions regarding the returned item, and that you thought the matter was resolved.  However, you recently noticed that this matter is reporting negatively on your credit report; as such, you are requesting the Bank remove this matter from your credit file.                 We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused.  Please note that Comenity Capital Bank and HSN are two separate entities.  The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.  After a thorough investigation, our records indicate on July 21, 2014, a purchase of $19.81 was applied to the above-noted account for a Tracfone LG305 Phone Flex Payment 1 of 4, and on July 22, 2014, a purchase of $14.93 was applied to the account for a HPP Electric 2 Yr. Replacement.  On August 8, 2014, a statement was issued indicating a balance of $34.74 with a minimum payment of $25.00, due by September 3, 2014.  As no payment was received, a late fee and finance charge were assessed to the account, pursuant to the terms of the Credit Card Agreement (CCA).  On August 20, 2014, credits totaling $27.79 were applied to the account for the returned merchandise.  A statement was issued on September 7, 2014, indicating a balance of $32.95 with a minimum payment of $11.95, due by October 3, 2014.  Again, as no payment was received, a late fee and finance charge were assessed to the account.  Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling.  When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.  In addition, if the provided return label is used to return the package, the return label fee of $6.95 is deducted from the overall return credit.  Bank records indicate that HSN issued a credit of $6.95 on October 17, 2014, for the return label fee.  Based upon the issues outlined in your complaint, the Bank has reviewed the applicable telephone calls with our representatives, and we can concluded that you were advised this matter would be removed from your credit file on April 14, 2015; unfortunately, this adjustment was not completed.   Please be assured, as of the date of this letter, notification was not sent to the credit-reporting agencies with instructions to remove the reported delinquency for October through November 2014, and March through April 2015, from your credit file.  Please allow up to 45 days for this information to be updated in their records.   We hope you find this information to be helpful.  Although you requested to close your HSN on July 30, 2015, we hope that you continue to shop with HSN.  If you would like to reopen the HSN credit card account, or if you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely, Lauren S[redacted]

Per our conversation, here's the requested information. Attached is a copy of the check / information that shows that Comenity Capital Bank cashed the check under the incorrect account number, despite them saying they've did so.The underlined portion in the account number indicates where I mentioned in my original complaint that [redacted] had submitted this to them under the incorrect account number. The last four digits of the account number should have been present, and noted as [redacted]

Dear Mr. [redacted]:We received the complaint you sent to the Revdex.com of Central Ohio (Revdex.com) regarding Jewelry Television Preferred accounts. Your correspondence was forwarded to Comenity Capital Bank. Jewelry Television Preferred Account (JTV Preferred) is a product issued by...

Comenity  Capital Bank (Bank), serviced by Bill Me Later, Inc., and powered by PayPal Credit. JTF Preferred is a payment option made available by Jewelry Television (JTV) to their customers.Your complaint states you have never had an account and your email address is valid. You state you believe this is a scam to open an unwanted account.JTV Preferred’s records reflect a JTV Preferred account was opened in your name on April 20, 2016, with a telephone purchase of $43.98 through JTV, with JTV Preferred selected as the payment method. In order for an application to process with JTV Preferred and an account to be opened, the applicant must provide a name, date of birth, billing address, phone number, and the last four digits of a social security number.Upon receipt of your complaint, the above-referenced account was investigated and confirmed fraudulent. As a result, the account was closed. On June 11, 2016, JTF Preferred sent a request to Equifax  Credit Information Services to have the credit inquiry removed from your credit report. Please be advised, this removal process can take up to forty-five days for Equifax to complete.On June 13, 2016, JTV Preferred sent you a letter informing you of the outcome of the investigation, along with an Affidavit of Fraud; please complete and return this Affidavit at your earliest convenience. Please note that you are not responsible for the fraudulent account or the related charges. JTV Preferred has also noted your personal information in our system to prevent a JTV Preferred account from being opened in your name in the future.JTV Preferred has no record of receiving any prior correspondence from you. Please note, the letter you included with your complaint, dated June 5, 2016, is addressed to our payment cent in Atlanta, Georgia. To ensure correspondence is received and processed in a timely manner, please ensure any future correspondence is sent to P.O. Box 5018, Timonium, Maryland 21094.Following are some steps that we suggest you consider taking immediately to prevent future fraudulent activity.You have the right to place a fraud alert on your credit reports. A fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. To do this, you can contact any one of the consumer reporting companies mentioned below. If you contact any one of the, the one you contact is required to contact the other two, to place an alert on their files as well.Experian (TRW)                             Equifax Options                             TransUnion Corp.P.O. Box 2002                                P.O. Box 740256                            P.O. Box 6790Allen, TX 75013                              Atlanta, GA 30374                         Fullerton, CA 92834(888)397-3742                               (800)525-6285                               (800)680-7289www.experian.com                      www.equifax.com                        www.transunion.com Identity theft is a crime. You can file a report with you local police or the police in the community where the crime took place. We recommend you obtain a copy in order to protect your rights.  You can go to the Federal Trade Commission website on identity theft at www.identitytheft.gov/.  This website contains important information and refers to resources that could be helpful in dealing with your situation. Should you require additional information relating to the account, you may submit a written request to the following address, along with a copy of your current government issued photo identification:               JTV Preferred Accounts              Attn: Customer Security Operations              P.O. Box 5018              Timonium, MD 21094 We hope this letter explains and resolves this matter. Sincerely, Jessica A[redacted]

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

your correspondence. You returned your merchandise and paid for the shipping. You are requesting to have the account reported as a zero balance to the credit agencies. Please note Comenity Capital Bank and Haband are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping. When ordering merchandise by mail, you generally will be charged for shipping and handling, as well as the cost of the merchandise. If merchandise is returned within 90 days, Haband will refund the cost of the merchandise, but shipping and handling charges are not refundable. If you use the Customer Return Label for your return, Haband will deduct a fee from your refund for the return shipping cost when processing your return. Please understand that when there is a balance on an account, and the full minimum payment required on the monthly billing statement(s) is not received by the due date, late fees and finance charges will be assessed to the account, pursuant to the guidelines of the Credit Card Agreement. On February 13, 2017, a purchase of $46.62 was applied to your account. The account billed on March 7, 2017, with a balance of $46.62, and a minimum payment of $20.00, due by April 2, 2017. On March 29, 2017, a credit of $36.64 was issued for returned merchandise. An amount of $9.98 was deducted from the refund for using the return label. Because no payment was received by the due date, a $20.00 late fee and a $2.00 finance charge were assessed to the account. The account billed on April 6, 2017, with a balance of $31.98, and a minimum payment of $14.98, due by May 2, 2017. No payment was received by the due date, a $2.00 finance charge was assessed to the account. As of the date of this letter, the account balance is 33.98, therefore we are unwilling to comply with your request to report the account as a zero balance to the credit reporting agencies. We are required by law to report factual data to the credit bureaus, and we consider the account balance to be valid. If you have further questions regarding the shipping and handling fees, please contact Haband directly at ###-###-####. 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, Tionna M[redacted] Tionna M[redacted] Compliance Dept. – Consumer Responses

Dear Mr. [redacted]       We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account.  Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries.  I appreciate the opportunity to...

assist you.  We understand from your complaint that you purchased a Neat Desk copier and a HP Photosmart printer from an HSN ad on TV.  At the time of the purchase, you informed the HSN sales representative that you wanted to apply the transactions to your [redacted] credit card.  You state that you received the merchandise by mail and assumed that the transactions were applied to your [redacted] credit card, as originally requested.  However, you were contacted by a representative from the credit department who insisted that you apply the transactions to an HSN credit card account.  After declining the request, you were notified that [redacted] refused to honor the transactions; therefore, the items were applied to an HSN credit card account.  You are requesting the Bank apply the original order to your [redacted] credit card.  We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you.  Please note that HSN and Comenity Capital Bank are two separate entities.  The Bank issues and is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.  After a thorough investigation, our records indicate that you were selected for a pre-approved credit account offer based upon the information listed in your credit file which satisfied the Bank’s criteria for creditworthiness.  On January 17, 2015, you accepted the prescreen offer and were approved for an HSN credit card account.  Use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees.    Our records further indicate that two charges were applied to the HSN credit card account on January 19, 2015.  These charges included: a charge of $38.93 for the HP Photosmart 7520 Flex Payment 1 of 3 and a charge of $72.95 for the Neat Desk Top Scan Flex Payment 1 of 5.  On February 7, 2015, a statement was issued indicating a balance of $111.88 with a minimum payment of $25.00 due by March 5, 2015.  As no payment was received by the due date, a late fee and finance charge were assessed to the account, pursuant of the terms outlined in the CCA.  On February 18, 2015, two additional charges were applied to the HSN credit card account.  These charges included: a charge of $33.31 for the HP Photosmart 7520 Flex Payment 2 of 3 and a charge of $56.99 for the Neat Desk Top Scan Flex Payment 2 of 5.  On March 10, 2015, a statement was issued indicating a balance of $231.30 with a minimum payment of $37.00 due by April 5, 2015.  Once again, as no payment was received by the due date, a late fee and finance charge were assessed to the account.   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 you regarding the status of the account.  Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.  On your behalf, we contacted HSN regarding your request to apply the above-mentioned transactions to your [redacted] credit card.  HSN confirmed that you contacted their office to have all the charges that were originally applied to your HSN credit card account refunded and rebilled to your [redacted] card.  Please be advised this adjustment was completed on June 1, 2015.   Due to the misunderstanding, Comenity Capital Bank has issued credits totaling $151.69 for the previously assessed Bank fees.  In addition, since your complaint indicates that you did not want to apply for an HSN credit card account, we have removed the account, in its entirety, from your credit bureau report.  Please allow the credit-reporting agencies 45 days to update their records.  Should you choose to stop receiving “prescreened” offers of credit from this and other companies, please call toll-free ###-###-#### to make the request.  You may also contact the credit-reporting agencies directly by using the following information:   Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com   If you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.  We hope you find this information to be helpful.  If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely,  [redacted] Consumer Relations Specialist