Comenity Capital Bank

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.

Dear [redacted], I tried to call the number and the woman Kelly - the mailbox was full, and the '0' option also a dead end. Not surprised. Apparently they don't want anyone together through to them. I called the on-line number 866-512-0598. And made a payment for $29 (?). The automated system told me that's what I owed...? I am completely baffled. I thought I owed $34? But then I was told $29. I AM FURIOUS WITH MYSELF, AND FOREVER 21. No I didn't read the fine print on the back of my statement - where is says they have permission to screw me... and cannot cancel my card. There is something wrong with this world we live in. Thank you for your help. I am sick, and feel like crap. I hope not to hear from Comenity bank again. As far as I am concerned - THEY ARE CROOKS!Thank you,

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 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

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11962412, and find the resolution is...

satisfactory to me.
Regards,
[redacted]

I paid  the $25.00 late fee, included in my payment of $70.36 , check #[redacted].The credit refund mailed to me should be $25.00, not $5.02. Check my credit rating, since the 1980's, all my many various charge accounts and credit cards, from stores, to [redacted]  None are ever paid late. Your "bank" is the only one that consistently charges "late" fees for on time payments. Interesting. 
Regards, [redacted]

I see per my bank records I have sent in so far a total of 145.00. I'm wanting to make 25.00 payments on my account until I can get this bill paid out in full. I called today to try and do this because I recently sent in a 5.00 payment and 100.00 payment to you all. However I had a rude and down right nasty represenative who would not want to work with me to do this because she stated my account is in default.  If you all could please work with me with this type of arrangement it would be much appreciated and you will see God bless you all and your company. I work part time and I'm struggling to pay all my bills. If you will not work with me on this then I will continue to pray to God about you all and send in as much as I can like I been doing recently until I can get the bill paid off. Also by the way what is my now total balance with and without acumlated fees against my 145.00 that I have paid?
Peace and Many Blesings!
[redacted]

I am rejecting this response because of telephone harrasment.  
Regards,
[redacted]

Dear Ms. [redacted]        We received your complaint, addressed to the RevDex.com, regarding
the account referenced above.  As the
bank that issues Overstock credit card accounts, Comenity Capital Bank is here
to help with your account-related...

concerns. 
I appreciate the opportunity to assist you. I understand from your complaint that you made
a payment in May 2016, for the total remaining balance owed on your
account.  You state that you sent the
payment to the wrong address, but that the payment was sent to an address that
was on the statement, and that this address was confirmed by phone with a Bank
representative.  You state that you
initiated a billing dispute and provided a bank statement reflecting the
payment and you received a written response asking for the electronic
transmittal information for your payment. 
However, by the time you were able to obtain this information and send
it in, the dispute on your account had been closed, and you had to request that
it be reopened.  You recently provided
the Bank with the electronic transmittal information. You state that the Bank
has still not resolved your dispute and that your account has been reported as
30 days delinquent on your credit bureau report.  You are requesting that your account be
credited for the accrued finance charges of $201.58 that billed to your account,
an adjustment of the $268.39 that was transferred from promotional to
revolving, a credit for the $37.00 late fee assessed, and that any derogatory
marks reported to the credit bureaus be removed.  We apologize for any frustration or
inconvenience this matter may have caused you. We have reviewed our records and are unable
to locate any interaction between you and the Bank where a payment address was provided
or confirmed as accurate that differs from the correct payment address located
on the remittance slip at the bottom of your statement.  Although the customer service address,
billing disputes address, and bankruptcy notification address all appear on the
back of your billing statement, the remittance slip provides the correct
payment address.Please be assured, we have received the
electronic transmittal information on September 12, 2016.  You are correct that the initial dispute was closed
at that time. However, upon receipt of the electronic transmittal information
for the missing payment, a new dispute was opened.  We have used the bank statement that you have
provided and the electronic transmittal form in an effort to trace your
payment.  It appears that the payment of $301.54,
dated May 1, 2016, was rejected by the processor for Chase’s bill pay, before
it reached Comenity Capital Bank.  Those
funds should have been returned to your account.  For additional information on this, you may
have Chase trace the payment to determine what happened to the funds. Our records indicate that a purchase of $985.54
was charged to the account on May 26, 2015. 
The purchase was placed on a no interest for 12 months, payment required
promotional plan that expired on May 26, 2016 ( plan 412-001).  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.  This
information was provided on all billing statements provided to you by Comenity
Capital Bank.  Each billing statement
advised that should the balance not be paid in full, accrued finance charges
dating back to the original date of purchase would be assessed to the
account.  On June 8, 2016, the remaining principal
balance on plan 412-001 of $268.39 was transferred from the deferred interest
promotional plan to your revolving line because the payment in the amount of
$301.54, dated May 1, 2016, did not reach us by the plan expiration date. This
movement of the remaining principal balance is what you see reflected as
$268.39 promotional to revolving.  As
such, we are unwilling to apply an additional credit to your account for this
amount as it is the valid unpaid portion of the above noted purchase.With this information, the payment dispute is
being closed.  However, based on the
information you provided, Comenity Capital Bank feels that you did, in good faith,
attempt to pay the balance on your account within the promotional period.  As such, in the interest of customer service,
we have credited your account for the $201.58 accrued finance charge, and the
late fee of $37.00.   These adjustments will be reflected on your
account within the next one or two billing statements. I have reviewed our records and those of the
credit bureaus and am pleased to inform you that your Overstock account is not
reporting any delinquencies to any of the credit bureaus.  If inaccurate information is present on your
credit report, you may dispute the validity of that information directly with
the credit bureaus using the information below.Experian
(TRW) Trans
Union (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.comWe value you as a customer, and 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,Bryan H[redacted]

Dear [redacted]:   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the Ultamate Rewards® credit card. We are here to answer your questions and assist with your concerns.   We understand from your complaint that when you received the late fee credit in October 2016, it was due to the website, and you were unable to log in and make a payment. You state the Bank credited the fee due to Bank error; therefore, that credit should not count against you. You request the entire late fee that was assessed in February 2017 be credited. I am happy to share my findings.   Please be advised, as stated in the correspondence dated March 31, 2017, the Bank offers multiple ways to make a payment.   The account is not eligible for a full late fee credit. We are unwilling to remove any additional amount regarding this matter.   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,  Kaija M[redacted]

[redacted]By now you have many documents I sent to Revdex.com in FL. and Ohio, HSN and myself, so that duplication can be avoided I will try to be brief.In the third paragraph of your letter you state that [redacted] refused tohonor the [redacted] credit card order. This is absolutely untrue, Icalled [redacted] three times and their agents confirmed that no onefrom HSN had contacted them with my credit card credentials concerningany orders from me.I sent a letter by certified mail to HSN and its affiliates to stop calling my phonenumber, they were call all hours of the day and night, my automatic answering askthem to leave a message, no one ever did. Several weeks ago I had the phonenumber disconnect. I also ordered them and their affiliates to not communicatewith me any manner or way.Why does your partner HSN keep trying to force me to take their credit card, theyhave been paid in full for the Neat machine and HP printer, the only possiblereason is they are a SPAM organization and want to exploit the American citizens.My wife died Jan. 1, 2015 and I have been snow under with get things in order, Ihave contacted my lawyer and we will take legal action if this harassing does not stop. 
[redacted]

Dear Mr. [redacted] We have received your correspondence sent to the Revdex.com regarding PayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, Inc. Your correspondence...

states you received mail from PayPal Credit which was addressed to someone who no longer lives at the address provided on your complaint. You are requesting PayPal Credit remove your address from their mailing list. Please note, the letters sent to your address from PayPal Credit were communications regarding a matter unrelated to you. If you continue to receive mail that is not addressed to you, PayPal Credit suggest you return the unopened mail to the sender. We hope this letter explains and resolves this matter. Sincerely, Jennifer P[redacted]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Lending Club Patient Solutions credit account. We are here to answer your questions and assist with your concerns.   I...

understand from your correspondence that you disagree with the balance as you believe the Bank has added fraudulent charges to your account.     After a thorough investigation, our records indicate the billing of your account is accurate, and no errors were found. Please find enclosed, copies of the billing statements that show how the account balance was comprised. If you find any discrepancies, please contact me, and I’ll be happy to review the account further. At this time, no adjustments are due on your account.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.             Sincerely,    Kristina W[redacted]

Thank you for contacting Comenity Capital
Bank.  As the bank that issues [redacted] credit
card accounts, we respond to all account-related concerns.  Your complaint, addressed to the RevDex.com, was forwarded to my attention for review.  I appreciate the opportunity to assist...

you. We understand from your complaint that you were
offered a settlement to satisfy the balance on the above-noted account, which
you declined, and that you agreed to pay the balance in full of $2,014.00, with
the final payment of $140.00 on June 16, 2015. 
However, you received a notice from [redacted] Recovery stating that they
purchased the [redacted] account from Comenity Capital Bank, and that you owed a
balance of $398.29.  In an attempt to rectify this matter, you contacted
Comenity Capital Bank, and at that time, you were advised that the above-noted
account had a remaining balance due, after the June 2015 payment, which you
were not aware of.  As such, you are
requesting the Bank remove the collection of the account from your record and from
your credit report.  We understand your
concerns, and we sincerely apologize for any frustration or inconvenience you may
have experienced as a result of this matter. After a thorough investigation, Bank records
indicate that the above-noted account exceeded six consecutive billing periods
past due; as a result, the account was permanently closed, and reported to the
credit-reporting agencies as an unpaid debt on March 1, 2014, with an outstanding
balance of $2,298.29.  On May 8, 2014, Bank records indicate that
you made an arrangement to pay the account balance of $2,298.29, in full, with
a Recovery Specialist.  This arrangement
included: ten $200.00 payments and one payment of $98.29, scheduled for the
last day of each month. On June 29, 2014, our records indicate that
you contacted our Recovery department, and requested to change the date of the previously
scheduled payments from the last day of each month to the third Thursday of
each month; the Bank honored this request.On November 20, 2014, our records indicate
that you contacted our Recovery department, again, and requested to change the
amounts of the previously scheduled payments. 
At that time, you were notified that the account had an outstanding balance
of $1,298.29.  Additionally, you were
provided with two payment options to satisfy the account balance.  These options included: a settlement of
$900.00, which could be divided over a six month period, or ten payments of
$129.80 each.  Per your request, the
Recovery Specialist scheduled six payments to settle the account balance in
full for $900.00: two payments (of $100.00) were scheduled for November and
December 2014, and five payments (of $140.00) were scheduled for January
through May 2015.  On April 27, 2015, our records indicate that
you contacted our Customer Care team and requested to change the last two
payment dates from April 28 and May 28, 2015, to May 14 and June 12, 2015.  Please note, due to our Customer Care
representative changing the date of your payments, without conferring with our
Recovery department, the settlement offer of $900.00 became null and void.  As a result, your [redacted] account was sold to
[redacted] Recovery, an outside collection agency, on September 22, 2015. Due to this error, a request was sent on
October 8, 2015, to purchase the account back from [redacted] Recovery.  Once confirmation is received that the
account has been returned to the Bank, which can take up to 90-days from the
request date, we will update the status on your [redacted] account to reflect as
“Closed Settlement”.  Please be advised,
the status update will legally release you from any collection efforts
regarding the remaining balance on your [redacted] credit card account.  

Comenity Capital Bank is required by law to report factual data to the
credit-reporting agencies with regard to account activity.  Please note, delinquent accounts typically
will report for seven years from the date the account first became delinquent
(not from the date of last activity), this information will not be changed on
your credit file. 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.

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

Dear Ms. [redacted]:We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding Pay Pal 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.You complaint states fraudulent transactions posted to your PayPal Credit account inAugust 2015. You notified PayPal Credit of these fraudulent transactions, and you laterreceived in ernail from PayPaD Credit informing your the investigation was found in yourfavor with credits issued to your account. You also received a letter stating youraccount was blocked. Subsequently, you noticed a transaction of $70.00 posted to youraccount, and you were advised by PayPal Credit that your fraud claim was denied,contrary to the email you received, Further, you state that you received an additionalemail notifying you that a transaction of $300.00 had posted to your account, althoughyour account was supposed to be closed, You would like these charges removed fromyour account.On August 25, 2015, you called PayPal Credit reporting fraudulent transactions on youraccount. At that time, PayPal Credit opened a fraud investigation and you were advisedthe investigation could take up to thirty days to be completed. You were also informedyour account would be temporarily suspended during this time. In a letter mailed to youdated August 29, 2015, you were informed by PayPal Credit your fraud claim wasdenied because no suspicious activity was detected in connection with the transactions.Upon conclusion of the fraud investigation, PayPal Credit removed your account from asuspended status.Upon receipt of your complaint, PayPal Credit reached out to PayPal on your behalf andconfirmed you submitted a claim with PayPal on August 24, 2015, regarding fiveunauthorized transactions of $100.00 on your account. At that time, PayPal contactedthe merchant regarding the transactions, and the merchant proactively issued five$100 .00 refunds prior to the completion of Pay Pal's investigation. Per PayPat's policy,when a merchant issues a credit prior to completion of an investigation, PayPal willresolve and close your claim in your favor, which you were informed of in five emailsfrom PayPal on August 28, 2015. These credits are reflected on your September 8,201 5, billing statement.Although PayPal Credit is a PayPal product, your PayPaI unauthorized transactionclaims were separate from your PayPal Credit fraud claim, because PayPal and PayPalCredit are separate entities. Please note, even though the merchant issued credits toyour account, PayPal found no indication of fraud.On September 25, 2015, you called PayPal Credit stating another unauthorizedtransaction of $305.00 posted to your account. Because the representative thought youwere saying the unauthorized transaction was posted to your PayPal account, you weretransferred you to PayPal to address this unauthorized transaction and you submitted aclaim with PayPal. On October I, 2015, PayPal sent you an email stating, "[we'vecompleted our review of your account and found that your account is secure and hasnot been accessed by an unauthorized third party. As a result, we've closed yourunauthorized transaction claim." Upon receipt of your complaint, PayPal Credit alsoreviewed this transaction for fraud and did not find any suspicious activity in connectionwith the transaction. Please note this transaction was made through PayPal usingPayPal Credit as the funding source.With the information currently in PayPal Credit's possession, there is no indication offraud in connection with your PayPal Credit account. As of the date of this letter,PayPal Credit has not received your signed affidavit or any supporting documentationfor your claim. In arder for PayPal Credit to further investigate this matter, they ask thatyou provide additional documentation in support of your fraud claim. Thisdocumentation may include a police report filed in connection with the alleged fraud, aFederal Trade Commission affidavit available at www.ftc.gov, a complaint filed with theInternet Crime Complaint Center (http://www.ic3.gov), and/or any other similardocumentation. You may fax this documentation to ###-###-#### or mail it to thefollowing address:PayPal CreditAttn: Executive EscalationsP.O. Box 5018Timonium, MD 21094Per your request, PayPal Credit closed your account. As of the date of this letter, yourbalance is $402.78 with a minimum payment requirement of $60.00 due by December5, 2015. We hope this letter explains and resolves this matter.Sincerely,Laura C[redacted]

We received your complaint, addressed to the Revdex.com, regarding the account referenced above. As the bank that issues My BJ’s Perks®  MasterCard® accounts, Comenity Capital Bank is here to help with your account-related concerns.  I appreciate the opportunity to assist you....

  I understand from your complaint that the first statement you received was on October 3, 2016.  Upon review of that statement, you realized you had been assessed a late fee and finance charge.  You called us on October 4, 2016, and spoke with a representative who removed that late fee and finance charge for you.  You mailed a check for the remaining balance of $219.47 on October 4, 2016. You received your next statement on October 24, 2016, and again found you had been charged a late fee and the statement reflected your payment of $219.47 was posted to your account on October 11, 2016.  You called us again on October 25, 2016, and spoke to a supervisor who told you the late fee could not be removed. You state you believe the check arrived to us on October 6, 2016, and you believe the processing took too long.  You state you were told the My BJ’s Perks®  MasterCard® is a 24 hour a day seven days a week business.  You state if there was a delay in processing your payment, or in the United States Postal Service (USPS), you are not at fault.  You believe the Bank exhibits predatory practices based on the late fee structure.  You feel that based on your claim of the original invoice being missing, we should have been willing to reach  a reasonable settlement in regard to fees.  You feel the Bank attempts to exploit customers and you wish to have the second late fee removed, the account closed, and do not want any record of the late payments reflected on your credit bureau report. We apologize for any frustration or inconvenience this matter may have caused you.   Bank records reflect your My BJ’s Perks®  MasterCard®  account was opened on August 03, 2016; use of the account, or failure to close the account within 30 days of receiving the Credit Card Agreement indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees.   I have reviewed your account and Bank records confirm the first billing date was August 15, 2016, and the statement was mailed on August 20, 2016.  This statement reflected a balance of $219.47 with a minimum payment of $30.00 due by September 10, 2016. We did not receive notification from the USPS that the statement was undeliverable, nor was the statement returned to us.   The second statement on the account billed on September 14, 2016, and was mailed on September 19, 2016.  This statement reflected the previous statement balance of $219.47 plus a late fee of $27.00 and a finance charge of $2.82 for a total balance of $249.29 with a minimum required payment of $38.00 due by October 10, 2016.    The third statement sent on the account billed on October 15, 2016, and was mailed on October 20, 2016.  This statement reflected a credit of $27.00 for the late fee which was waived, a credit for $2.82 for the finance charge which was waived, the payment of $219.47, and a late fee of $37.00, for a total balance of $37.00 with a minimum required payment of $30.00 due by November 10, 2016.   Bank records indicate we waived a late fee of $27.00 and a finance charge of $2.82 as a courtesy to you on October 4, 2016, in an effort to offer a reasonable settlement because you told us that you had not received your previous statement.  This brought your balance to $219.47 with a minimum payment of $38.00 due by October 10, 2016.   Per our phone conversation, while our Customer Care department is available 24 hours a day,  our payment processing center is not. In order for your payment to post to your account on the day it is received, mailed in payments must reach us by 6:00 p.m. Eastern Time (ET).  Payments received after the cut off time will be posted to the account the following business day.  Per the instructions on the back of your statement regarding mailing payments; customers are informed to send a personal check, money order, traveler’s check, or cashier’s check payable in U.S. dollars to the name and address shown on the statement in the payment stub area containing your balance and minimum payment amount.  Be sure to include your payment stub, do not staple or clip your payment to the stub, include your account number on your check, and use the envelope provided with your statement. Following these guidelines is considered to be a conforming payment.  Conforming payments that are received by 6:00 p.m. ET are processed the same day. Non-conforming payments are processed within five days of receipt.   However, per our conversation on November 2, 2016, although no Bank errors occurred, we have credited the late fee of $37.00 to your account. This adjustment has resulted in a zero balance.   Please be assured that no late payment information has been reported regarding this account.   Lastly, I regret that these events have caused you to desire the full closure of your account.  Per your request, your account was permanently closed on November 4, 2016.  We hope that you will continue to shop at BJ’s Wholesale Club.    We value you as a customer, and 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,     Bryan H[redacted] Consumer Relations Specialist    CC:       Revdex.com

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.You correspondence states that the Bank entered your payment information incorrectly which caused the payment to be returned. Therefore, you are making a payment of $28.44 and asking that the remaining fees be waived.We previously received and responded to correspondence submitted to the Revdex.com regarding this same matter. Please find enclosed a copy of our previous response sent to you on December 11, 2017.Furthermore, please be advised that Bank records indicate that on September 26, 2017, the payment of $28.44 was scheduled through the automated system. Therefore, the balance on your account is valid.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,Jenny V[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosureComenity Capital BankPO Box 182025Columbus, Ohio 43218-2025December 11, 2017Mary Quinn7212 Almaden WayCary, NC 27518-9274RE: Blair Credit Card Account Ending In 8639Ref. No.: 12518849Dear Mary Quinn:Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues Blair credit card accounts. We are here to answer yourquestions and assist with your concerns.Your correspondence states that you paid your account in full; however, you received a statementshowing that your account was assessed late fees. You are requesting that the fees be removedand your balance be brought to zero. We understand your concerns and apologize for anyconfusion or frustration this matter may have caused you.Bank records indicate that on September 26, 2017, you made a payment for $28.44 by phoneusing our automated system. Please be advised that on September 29, 2017, the payment wasreturned because the bank account information provided could not be located. Therefore, theamount of $28.44 was added back on to your account. Furthermore, as no additional paymentwas received by the due date of October 3, 2017, a late fee of $18.22 was assessed to theaccount.On October 8, 2017, a statement was issued to you showing a balance of $46.66, with a minimumpayment of $27.00 due by November 3, 2017. As a result of a payment not being received, a latefee was assessed to your account.On November 7, 2017, a statement was issue to you showing a balance of $75.66, with aminimum 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. Choosea 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 on a future scheduled payment date).Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible. Please review the payments section on the back of your statement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee 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, please feel free to contact me at (800) 820-8932.Sincerely,Jenny V[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced above. Comenity Capital Bank issues your Blair and Haband credit card accounts,and we are here to assist you with all account-related questions or concerns. I appreciate theopportunity ta respond to...

your concerns.You state in your complaint that you previously asked to change your due date to later in themonth, but we could not honor your request. You are also concerned about the late fees thatare being assessed to the balance. You would like all of the late fees removed and your duedate to be changed to the 15th.Please keep in mind when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee and financecharge, as explained in the Credit Card Agreement, (CCA). As such, we are unwilling toremove any late fees from the accounts.Please note, the Blair@ credit card account has a balance of $456.54, with a minimum paymentof $64.00, due by October 3, 2015. The account is two billing cycles past due.The Haband credit card account has a balance of $281.39, with a minimum payment of $71.00,due by October 2, 2015. The account is five billing cycles past due.Should the accounts exceed six consecutive billing cycles past due, the accounts will bepermanently closed, written-off, and reported to the national credit-reporting agencies as unpaiddebts. This information could remain on your credit report for up to seven years.Due to the accounts being past due, we are unable to change the due dates. Once theaccounts are current, please contact me at the telephone number below to discuss your duedate.The Bank understands that customers may experience difficulty making their payments due toeconomic factors. You may be eligible for enrollment in our Customer Hardship Program. Thisprogram provides customers with six to twelve months of special terms in order to bring andkeep the accounts current. If you are interested in obtaining information on whether you qualifyfor this program, please call our Payment Solutions team at ###-###-####.Also, customers who are experiencing financial difficulties are urged to contact a non-profitConsumer Credit Counseling Service (CCCS), organization for assistance. Their programs canprovide options such as reducing the interest rate and the minimum payment requirement, andcould include all of your creditors. Cornenity Capital Bank supports and participates in theprograms provided by CCCS agencies. Should you wish to obtain information regarding theirprograms and for a member agency located near you, please contact the National Foundationfor Credit Counseling at ###-###-####.We hope you found this information helpful. If you have any further questions, please contactme at ###-###-####. ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations Specialist

Dear Ms. [redacted]We have received your correspondence sent to the Revdex.com (Revdex.com) whichwas forwarded to Comenity Capital Bank. The Newegg.com Preferred account (NeweggPreferred) product is issued by Comenity Capital Bank (Bank) and serviced by Bill MeLater, Inc. Newegg Preferred was a...

payment option previously made available byNewegg.com to their customers.Your correspondence states your May 10,2016, payment was made within the two monthperiod of your promotional expiration date and should have been applied to pay off yourpromotional purchases, leaving only a standard balance of $15.00. You also indicate youbelieved your promotional expiration date to have been June 6, 2016.In reference to your promotional expiration date, we would like to provide you with thefollowing information. Your purchases on "No Payments + No lnterest if paid in full in I 2months" promotional financing posted to your account during your billing cycle that endedon July 22, 2015. Your July 22, 2015 statement shows your promotional financing forthese transactions expired 12 months after this statement was issued. On everystatement in which your promotional financing purchases appeared, you were providedwith a "Deferred lnterest Calculation" chart which provided you with the monthly accrueddeferred interest, the total accrued deferred interest, the remaining balance of thepromotional financing purchases, and showed your promotional financing expiration dateof July 19, 2016.Upon receipt of your complaint, Newegg Preferred reviewed your account again. Aspreviously stated, your payments were allocated correctly in accordance with the Termsand Conditions. Further, you were given notice of the promotional financing expirationdate on each of your monthly billing statements. Therefore, Newegg Preferred is unableto waive the accrued deferred interest charged as a result of your promotional financingpurchase not being paid in full by the expiration date.As of November 2,2016, your account is closed with a balance of $158.37 and a minimumpayment requirement of $60.00 due by November 19,2016.We hope this letter explains and resolves this matter.Sincerely,Compliance Dept. - Consumer Responses