Comenity Capital Bank

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]

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

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]

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]

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 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

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]

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 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 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 [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]

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

it offers no resolution to the fact that their associate used incomplete data to falsely inform me that someone from one of my phones has called and activated an account.  The response back simply states steps and activities from their Customer Relationship Management system and doesn't actually apply any thinking against the claim.  I need to understand what criteria is being used to determine that I opened the account.

Please read the following.First, I would like to thank Comenity Capital Bank because not only have you served me well as a customer as far as extending credit goes, but I wholeheartedly appreciate the removal of the negative mark on my Love LOFT credit card. This is a tremendous help for me and I realize that it wasn't necessary for you to do this but you did it anyway in the spirit of customer service. However, I am not entirely satisfied with the response to my complaint because you are stating that you can't remove the negative marks on my David's Bridal credit card when you did exactly that for the other. I understand that you have a legal obligation to report accurate information to credit reporting agencies, but it does not make sense to remove one negative mark and then say you can't do it for another account.At this point, I am not asking for credit back from any fees that might have been charged. I believe I showed good intent when I paid off both accounts and kept them in good standing during the entire history of the account, even up until now, with the exception of one time period. Please let me explain why exactly I started to fall behind in hopes that maybe you would reconsider your decision and help me move on from this time of my life.I originally opened my David’s Bridal credit card because of a promotion that they had in which I would not have to pay interest for 6 months. I purchased my dream wedding dress with this credit card and was so grateful for such a great promotion. Months later, for reasons I still can’t even fathom today, my engagement ended and I simply could not deal with anything that had to do with the wedding because I was really depressed. Yes, this isn’t anything that you need to care about, but please understand that this was very difficult for me because the months came in which I should have been happily married and as it turned out, I ended more alone than ever. While I tried to keep up with my bills, it was emotionally daunting to face reality and see that everything I incurred debt for that should have created a dream come true ended up becoming my greatest regrets and nightmare.I’m happy to say that I have moved to a new state, I have a great and stable job, I am back on my feet, and I am ready to take responsibility for every mistake that I have made. I am also trying to purchase my first home on my own. I tried my best to show that I am more responsible than I have shown you before by paying both accounts in full. While I wish automatic payments was a service you offered so that I would not have had to look at this account so often during that time, I realize that your company chooses not to offer it and that is completely up to the decisions of your executives, and so I know that my one complaint can’t force you to offer the service. I was simply suggesting that it be offered for the convenience of any other people out there who might be in the same predicament as I have been because while they tell you that fairytales are real growing up, I have learned that they are more often not in these hard times.So if you can please find it within your kindness and concern for me as a consumer and loyal customer who is now simply trying to rebuild a life completely different from what it was just a year ago, please please please reconsider removing these derogatory marks on my David’s Bridal credit card. I would rather keep the account open, but if the only way is to remove the trade line completely, I would be okay with that as well. I cannot even begin to explain the anxiety and fear I have that this might haunt me for another 7 years. I really don’t want to think of a man that hurt me so much every single time I’m told that I won’t qualify for a loan or a mortgage or even just a credit card. It really just makes me want to break down every single time I’m reminded of this. I’m so sorry for such a long letter and I hope that you don’t feel as though I’ve wasted your time, but I just hope with all of my heart and being that you would kindly reconsider your decision and help me so that I can grow out of this part of my life. I appreciate you so much for already helping me with my Love LOFT account. I hope to hear from you soon!  Regards,[redacted]

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

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Forever 21 credit card. We are here to answer your questions and assist with your concerns.   We understand the concerns as explained in your...

correspondence. You paid your bill, but were charged late fees. A credit of $17.74 was issued for the fees, leaving a balance of $0.32, which resulted the account being charged additional late fees. In addition, you requested the account be closed and have not received a confirmation letter, that the account was closed, as promised. You are requesting the fees be credited and the reported outstanding status be updated on your credit report.  Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.  The account billed on December 25, 2016, with a balance of $16.04, and a minimum payment of $16.04, due by January 20, 2017. As no payment was received by the due date, a $16.04 late fee and a $2.00 finance charge were assessed to the account.  The account billed on January 25, 2017, with a balance of $35.66, and a minimum payment of $23.04, due by February 20, 2017. On February 3, 2017, a payment of $17.62 was received and the account was credited $17.72 for the late fee and part of the finance charge. Because the full minimum payment of $23.04 was not received, nor was the account balance paid in full, additional late fees were assessed to the account, resulting in an outstanding balance.  In the interest of customer service, a credit of $48.72 has been issued to the account, for the late fees and finance charges that were previously assessed.   As of the date of this letter, the account balance is zero.  Please be assured that Comenity Capital Bank has not reported negative payment information to the credit-reporting agencies, regarding the account.  As requested, the account was closed on February 27, 2017. Although your account is closed, we hope you continue to shop with Forever 21.  I apologize that you did not receive our previous response. Enclosed is a copy our previous response dated February 28, 2017, for your records.  I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932.    Sincerely,    Tionna McGowan  Compliance Dept. – Consumer Responses  cc: Revdex.com  Enclosures

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

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]

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 within 20 days.

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