Comenity Capital Bank

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]

Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the DentalFirst Financing Credit account. We are here to answer your questions and assist with your concerns.Your correspondence indicates you made...

numerous attempts to correct a billing problem for the wrong financing and were told the system did not adjust the financing properly. You want Aspen Dental to agree to the terms of the contract.Please note Comenity Capital Bank, DentalFirst Financing and Aspen Dental are all separate entities. The Bank issues and is responsible for addressing questions related to your credit account. DentalFirst Financing assists with financing and payment arrangements for elective dental procedures. Aspen Dental is responsible for handling matters related to services provided.Thank you for speaking with me on May 25, 2017. As discussed, you indicated that you agreed to switch the promotional plan from a 60 month, low APR (14.99%), equal payment plan to a 48 month, low APR (14.99%), equal payment plan in February 2017. You state that DentalFirst Financing advised you that the new monthly payment would be $57.00; however, this is not occurring, and you are being asked to pay $90.00 a month, which is the minimum due based off of the original purchase of $3,152.00. You also stated that you had an email from DentalFirst Financing, which validates the $57.00 monthly minimum due. You stated you would send the email to my attention. To date, I have not received the email.The Bank was contacted on February 27, 2017, by DentalFirst Financing indicating you requested to reduce the amount of your transaction from $3,152.00 to $1,847.00, and to change the promotional plan to a 48 month, low APR (14.99%), equal payment plan. Unfortunately, due to an associate error, the original amount of $3,152.00 was transferred to the new plan. Therefore, the minimum payment did not change.As of today’s date, the account balance is $1,660.67. Please be assured, the balance of $1,660.67 has been transferred to a 48 month, low APR (14.99%), equal payment plan. This adjustment and the minimum due will reflect on the next billing statement that will be issued to you on June 24, 2017.With regard to your previous dispute, the Bank received your dispute and responded to you onMay 11, 2017. The balance could not be transferred because you were requesting the balancebe transferred to an 18 month, no interest with low payments plan.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y[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]

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 [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 [redacted],Comenity Capital Bank received the complaint [redacted], for [redacted].In order to properly research this complaint, we require additional time to complete our investigation. We would like a due date extension until 03/03/2017. Please let me know if this extension date is not...

approved.Thank you,[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Office: ###-###-####

This letter is in response to your communication to me on 2/2/17.I want to thank you so much for your help in the matter that I had withComenity Bank. I wanted to respond to you before, but I wanted to wait tosee what the next statement that Haband (Comenity Bank), read.Well, I did get the statement, and it did read a $0.00 balance on theaccount.Thank you [redacted] - so much !! I have been goingthrough such conflict with Comenity for over 6 months before I thought ofcontacting Revdex.com. Comenity was clearly trying to 'rip me off'.Thanks to you, I'm so gIad it's over. I will never do business withComenity or their subsidiaries ever again.Again, thank you so much!![redacted]- A satisfied consumer with Revdex.com!

My response is as follows:I understand what happened as per the letter!Apparently, the person I talked to transposed some numbers and the payment did not go through. BUT YOU DID NOT NOTIFY ME IN ANY WAY!! However, every attempt by me to pay off the account, also failed! I am paying the original payment, but not the additional fees etc. as. I do not think it is my fault!I have enclosed a check for $28.44 to clear this up againAlso, the account should now be ZERO.  Please,15 also CLOSE the account, and I will inform Revdex.com that I accept the resolution. Complaint CLOSED!! Thank you.

Gal call this morning saying they would zero out my balance. That is a good thing. Credit "Provisional" came through Feb. 2015 which left us a neg. balance for a few months they were giving calls, and email, trying to get us to use up the credit.In April 2015, we tried to buy 2 pairs of shoes, same type, they send out wrong size, and they were returned in box with their labels return postage guaranteed, just had to drop off.Neg. balance went away, I would not of spend anything if I was led to believe this could happen.They were charging for a pair of shoes that they never got, and late charges, fess etc. Appreciate your help.Sincerely, [redacted]

Thank you for contacting Cornenity Bank. We received your complaint, addressed to the BetterBusiness Bureau, regarding two fraudulent accounts being opened in your name while you wereliving outside of the United States. As the bank that issues many different credit card accounts,we are here to...

assist you with your account-related questions. Your complaint was forwarded tomy attention, and I appreciate the opportunity to assist you.After a thorough review of our records, we are unable to locate any credit card account with theinformation provided. We would be unable to resolve this matter without having additionalinformation to research your concerns. Please provide the following:A valid Comenity Bank account numberA full Social Security numberAn address associated with the accountAny previous or alternate namesWe hope that this information is helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.

My complaint has been resolved. I tried very hard to solve this complaint with Comenity Capital Bank but they wouldn't listen to me.Thank you so much for your help.I do appreciate it. I will never do business with this company again.Sincerely,[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 have been unable to view your PayPal Credit account onlinesince the rebrand from Bill Me Later to PayPal Credit. You indicate you have attemptedto contact PayPal Credit for assistance with this matter; however, you have onlyreceived automated responses. After your statement delivery method was updated topaper statements, you state your next statement balance included Late Fees andFinance Charges, which you are unable to pay. You are requesting that PayPal Creditaccept a payment for the initial purchase amount and partial fees, and remove anyderogatory information from your credit report.Our records reflect you received and consented to the PayPal Credit's E-Sign Consent,wherein you agreed to receive disclosures and other information electronically, whenyour account was first opened on July 26, 2013. As such, you consented to receive"statement ready" emails (SREs) from PayPal Credit via the email address on file foryour account, [redacted], alerting you that your statement isready for viewing electronically. A paper statement will not generate unless the accountbecomes delinquent or you change your paper statement status through the PayPalCredit web self-service site or via a written request as disclosed in the PayPal CreditTerms and conditions2 to which you also agreed at account opening. According toPayPal Credit's records, all SREs issued to the above-referenced email address weredelivered successfully.1 On August 1,2014, Bill Me Later@ was rebranded to PayPal Credit. This was purely a product name change. Thelender for PayPal Credit accounts remained Comenity Capital Bank, and the accounts continued to be serviced byBill Me Later, Inc.; however, following the rebrand, PayPal Credit customers were required access their accountsonline through their PayPal accounts for any online servicing needs.2 A change in terms notice was sent to Bill Me Later account holders describing changes to the Bill Me Later Termsand Conditions, including the rebrand of the product name to PayPal Credit. The new PayPal Credit Terms andConditions are effective as of August 12,2014.Please also note, our records reflect on September 5, 2013, your PayPal Credit accountwas linked a PayPal account in your name, associated with the email address[redacted]. When Bill Me Later was rebranded to PayPal Credit,the online servicing of your PayPal Credit account was transferred to your linkedPayPal account.Our records reflect a purchase of $197.00 through eBay merchant [redacted]posted on to your account on July 7, 2014. This purchase qualified for "No Payments +No lnterest if paid in full in six months" promotional financing until February 3, 2015.This balance did not require a minimum monthly payment; however, you were requiredto pay the promotional balance of $197.00 in full by the promotional plan expiration dateof February 3, 2015, to avoid being assessed lnterest Charges on the purchase. Nopayments were received from you by the plan expiration; therefore, accrued interestcharges were assessed to your account. Additionally, no payments were received byPayPal Credit following your promotional plan expiration, and Late Fees and lnterestCharges assessed to your account in accordance with the PayPal Credit Terms andConditions.You submitted an email to PayPal Credit on May 12, 2015, regarding your account.Based on the information in your email, an automated response was sent to you on May12, 2015. Additionally, an automated response was sent to you on May 26, 2015,regarding a second email received from you. We apologize if our automated responsesdid not answer your questions. These responses were not sent to you by arepresentative, but by our system in an attempt to provide you with some immediateinformation that may assist in answering questions within the category you chose. Wesend this response as a courtesy, as we understand that a custom response from arepresentative may take longer to get to you; however, if any automated message sentdoes not address your specific question, you can rest assured that you only need tosend a brief reply and any additional questions will be researched by ourrepresentatives.You emailed PayPal Credit again on May 26, 2015, regarding the inability to link yourPayPal Credit account to your PayPal wallet. The representative who responded toyour inquiry advised your accounts could not be linked due to the closed status of yourPayPal Credit account. Unfortunately, this information was incorrect, as your PayPalCredit account was already linked to your PayPal account, as explained above. Wesincerely apologize for this misinformation. As a result of this error, PayPal Credit haswaived the $35.00 late fee assessed to your account on June 6, 2015. This credit willbe reflected on your next statement dated July 6, 2015.Our records reflect you accepted an offer from PayPal Credit to settle your accountbalance of $368.05 for $294.44, and a payment for the settlement amount was receivedfrom you on June 29, 2015. Once this settlement has processed, your PayPal Credit willreflect as settled, and you will receive a letter confirming the settlement of your account.Regarding your concerns about negative credit reporting, please note that, aside fromthe initial credit inquiry when your account was originally opened, PayPal Credit doesnot report the status of your account to the credit reporting agencies.We hope this letter explains this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses

Dear Cynthia [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the My BJ’s Perks World Mastercard creditcard. We are here to answer your questions and assist with your concerns.We understand from your...

correspondence that your personal information and credit card werestolen, and charges were placed on your account that you did not authorize. You further state youhave been trying to resolve the matter for several months. You are requesting the unauthorizedcharges, totaling $292.92, removed from your account. We apologize for any inconvenience thismatter may have caused you.Please be assured that your fraud claim was previously investigated by our Account Protectionteam under fraud case number [redacted]. The investigation was completed on March 10,2017. Please find enclosed a copy of our response sent to you on March 11, 2017.If you have additional questions or concerns regarding your fraud case or the outcome of theinvestigation, please contact your investigator Kim S[redacted], or any representative on our AccountProtection team, at ###-###-####. They will be glad to assist you.I hope you have found this information to be helpful. Please feel free to contact our AccountProtection team at the number provided above if you need further assistance.Sincerely,Rosa M[redacted]

Dear Mr. [redacted] We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues Zales credit cards, and we are here to help with all...

account-related questions.  Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your concerns regarding your credit limit being lowered due to the interest charges that posted to your account for your expired promotional plan and you would like the interest removed from your account and not have to pay any interest.  We also understand your concerns regarding your purchase of a charm that has tarnished and would like a refund.  We would like to apologize for any inconvenience these issues may have caused you. On January 21, 2016, Comenity Capital Bank became the issuer of your account, and our records indicate that your credit limit is $1,700.00.  However, we have reviewed your previous billing statements and you were advised on your September 2015 billing statement, that your credit limit was decreased due to your credit performance.  For your records we have enclosed copies of your billing statements from May 2015 through January 2016. Records indicate that a purchase of $1,200.00 was charged to the account on April 13, 2015.  The purchase was placed on a 6-month deferred interest, payment required promotion plan, scheduled to end on October 24, 2015.  As agreed at the time of purchase, no interest would be assessed to the account, should the balance be paid in full as of the scheduled ending date.  The information was provided on the first page of your billing statements issued by [redacted].  You were advised that the promotional balance must be paid in full to avoid paying deferred interest charges.  On October 24, 2015, as the balance was not paid in full, finance charges totaling $163.96 were assessed to the account. The Bank is unwilling to make any adjustments for the previously assessed finance charges as the bank has not found any banking errors.  In addition, finance charges are assessed to your account as long as there is a revolving balance on your account. Please note that Comenity Bank and Zales are two separate entities.  The Bank issues and is responsible for addressing questions related to the credit card account for Zales.  Zales is responsible for handling matters related to sales, merchandise processing, returns, warranties, refunds, and shipping. Please be assured that we have contacted Zales on your behalf regarding a refund for the charm that was purchased.  We have been advised that Zales sent you a check for $75.00 for the charm.  The check should arrive in 10 business days. We hope that you find this information helpful.  Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely,Ashley H[redacted]

They are still going to charger me over 20% interest on my zales purchase even though I was not aware of that hefty interest price or I would not have got my wife's wedding ring there I would have went to [redacted]'s where the interest is much lower.

Dear Mr. [redacted]: We have received your recent complaint addressed to the Revdex.com.  Comenity Bank issues multiple retail credit card accounts, 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. We understand from your complaint that you have received calls from the Bank at your telephone number, ending in [redacted], and you would like the calls to stop.  Please accept our apology for any inconvenience or frustration that you may have experienced regarding this matter. Please be assured that the telephone calls placed to the number ending in [redacted] were made in attempt to contact one of our customers regarding a personal business matter.  Comenity Bank may call until our attempt to communicate with our customer is successful.  Therefore, it is possible to receive multiple calls in a day between the hours of 8:00 a.m. and 9:00 p.m. Please be assured that we have updated the credit card account(s) that listed your telephone number to ensure that you no longer receive calls from Comenity Bank.    I hope that you find this information to be helpful.  If you have any further questions regarding this matter, you may contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Melissa L[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Blair credit card accounts. We are here to answer your questions and assist with your concerns.Your correspondence states that you paid your account in full; however, you...

received a statement showing that your account was assessed late fees. You are requesting that the fees be removed and your balance be brought to zero. We understand your concerns and apologize for any confusion or frustration this matter may have caused you.Bank records indicate that on September 26, 2017, you made a payment for $28.44 by phone using our automated system. Please be advised that on September 29, 2017, the payment was returned because the bank account information provided could not be located. Therefore, the amount of $28.44 was added back on to your account. Furthermore, as no additional payment was received by the due date of October 3, 2017, a late fee of $18.22 was assessed to the account.On October 8, 2017, a statement was issued to you showing a balance of $46.66, with a minimum payment of $27.00 due by November 3, 2017. As a result of a payment not being received, a late fee was assessed to your account.On November 7, 2017, a statement was issue to you showing a balance of $75.66, with a minimum payment of $32.00 due by December 3, 2017. The Bank has not received a payment; therefore, a late fee will be assessed to your account.Comenity Capital Bank has not found any errors and find the balance is valid.To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. Eastern Time (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or ona future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible. Please review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:00 p.m. ET to speak to a customer care representative. Afee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting:http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenterI 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,Jenny V[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

I am disappointed with their review of my account seeing the amount of complaints on the internet addressing the same concerns.  Maybe I will take it up with attorney general. 
Regards,[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Boscov’s credit card. We are here to answer your questions and assistwith your concerns.We understand that you have contacted the Bank each month since October 2016 requesting to changeyour due date on the above-referenced account. You state that we have ignored your request and continueto charge you fees, which you will not pay.After reviewing your account we do see that you have requested to have your due date changed. At thetime of request, your account was past due. In order for the Bank to assist you with changing your due date,the account must be current at the time of request. When your request was made the account was to bebrought current, then the changes were to be made. The account was not brought current when agreedupon, so the changes did not occur.If you pay the minimum due from your May 2017 billing statement on or before June 2, 2017, the accountwill become current. At this time you will be able to contact Customer Care at ###-###-####, and requestto have your due date changed. Please be advised that the request to change the due date would need tobe made after June 7, 2017, as this is when your account will bill current as long as the payment is madeto satisfy the minimum amount due.We apologize about any inconvenience, confusion, or frustration this may have caused.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement (CCA). Furthermore, if the balance is not paid in full by the due date, the account will beassessed finance charges as explained in the CCA.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.

Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the My BJ’s Perks® [redacted]® credit card.We are here to answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Bank regardingthis same matter. The merchant was contacted regarding your dispute and the Bank was advisedthe charges are valid per their terms and conditions. If you have additional information tosubstantiate your claim, please send the information to the above address.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer Responses