Comenity Capital Bank

[redacted]
[redacted]I am satisfied with Comenity Bank's response, so please, change status toclosed to customer's satisfaction.The only reason I didn't respond so was because I couldn't read your .docxfile. I inquired with you about it, but I received no answer. EventuallyI managed to open the file and I saw the response was satisfactory.Thank you, [redacted]

I dont agree with the decision
Comenity Bank is making. I had explained in my initial complaint that the first
time the amount was disputed and that they refunded part of it not considering
the fact I had already made $1500 in cash and four payment to them totalling
$1023 for service I havent recieved. Attached you will find a copy of their
request to me to reply to the second dispute that I started mid Sept,2015. The
letter is dated Sept 19th. I replied to them with all they requested in writing and a
copy of the letter I sent to them is also attached and is dated Oct 2nd. I had
explained all they asked for in writing for the second time and they still
neglected the fact that I did not get any service and didn’t considrer any
refund even if partial. They only went ahead by refunding the late fees that
they charged me for not making any payment. They replied to me once again by
sending the same exact letter that is date Sept 19th but dated
it OCT 19th and not making any changes.
My service with ALS was basically a
full body lazer treatments untill hair growth is stopped and post treatment if
necessary, of which I only got one and a partial treatments. I still have hair
all over my body and no service was done. In addition to a“complimentary”
package of 6 facial treatments that I was going to use one before my wedding
that they never did because they told me my skin will be irritated and they
didnt recommend it before the wedding. So I held off on it till after my honeymoon
and thats when the company immediately closed. I am also attaching a copy of
the reciept of the payment I made in cash using my debit/visa card and a copy
of the aggrement I signed with them . This is all the papers I was able to find
beside the HIPPA copies and the patient privacy and patients responsibilities.
Comenity Bank should have all the payments I made on the statments from Sept untill
Dec of 2014 . the payments should show the total amount I paid of  $1023 in addition to the $1500. I disagree wit
the decision they are making by asking me to pay the remaining balance of
$1518.79. I refuse to pay this amount for service I didnot recieve and I am
willing to sue them if its necessary. I would totally pay it for a lowyer to fight
for me if they wont consider that they are being not fair to all those
customers who were affected by the closure of ALS . It is not our fault ALS
took their money and went bankruptcy.
Last I have to say to end my
statment , I am willing to pay the minimum due on the last billing statemetn I
recieved , which is $214, if they are willing to resolve this case and refund
the rest and close the account. Regards,[redacted]

Dear Mr. [redacted]We recently received a complaint, addressed to the Revdex.com, regarding your Ann Taylor/LOFT credit card account. Comenity Bank issues Ann Taylor/LOFT 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 made a payment online for the balance in full, and that you received confirmation that the payment had been processed. However, you received notification from the Bank indicating that the payment had been returned, that a return payment fee of $25.00 was assessed to the account, and that another payment was required. You state that you made another payment with a Bank representative to pay the balance in full, at which time, you were assured that this matter would not impact your credit. You are requesting the Bank refund the return payment fee and close the account.We understand your concerns, and we sincerely apologize for any frustration you may have experienced as a result of this matter.After a thorough investigation, our records indicate that a payment of $353.08 was scheduled online on December 4, 2015. The Bank attempted to process this payment from your personal bank account as scheduled on December 4, 2015; however, on December 9, 2015, the payment was rejected, as your personal bank was unable to locate the account number that was provided. As a result, the $353.08 payment was added back to the balance, and a returned check fee of $25.00 was assessed to the account.Our records further indicate that a payment of $378.08 was scheduled with a Bank representative on December 29, 2015. Please be advised that this payment has satisfied the Ann Taylor/LOFT account balance.Please note Comenity Bank is unable to determine if the information a customer enters online is incorrect. This information is only identified when the payment is presented to a customer’s personal bank for payment. At which time the payment is returned to Comenity Bank, as unable to locate the account number provided.Although there were no Bank errors, in the interest of customer service, we have issued a credit of $25.00 for the returned check fee. This adjustment has created a credit balance of $25.00. A refund check in this amount was issued for you and should be received via separate mailing within 14 days.Comenity Bank is required by law to report accurate information in regard to account activity. We have reviewed your Ann Taylor/LOFT account, and we find that the information reported is correct; as such, no changes will be made to your credit file.Please be assured, your Ann Taylor/LOFT account was closed on December 29, 2015.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,Lauren S[redacted]

Comenity Capital Bank (Bank) has received correspondence regarding the above-referenced account.Comenity Capital Bank issues the Blair credit card. We are here to answer your questions and assistwith your concerns.We previously received and responded to correspondence submitted to the Bank regarding...

this samematter. Please find enclosed copies of our responses sent to you on December 21, 2016, and March29, 2017.In those responses, the Bank advised you that the fees were valid and if you had any additionalquestions or concerns regarding the return label fee and the exchange fee, to contact Blair directly.You stated in your complaint that you received a credit slip for $19.03 from Blair, as a result of thatreturn credit not being applied to your Blair credit card account, fees continued to be assessed to theaccount.The Bank has issued monthly statements to you showing that a balance was still owing on youraccount; however, no payments were received and as a result, your account was assessed late fees.Comenity Capital Bank has not found any billing error; therefore, we are unwilling to remove any fees,as they are valid.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at [redacted].Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosures

I  wrote a complaint to the company and im sure in your archive the fcc can pull the will the recorded conversation.  i purchased the computer on the basis of free interest for 12 months. I even called in several  times reference the incorrect billing.  I have been a valued customers with you for years.  I know what was offered and why I purchased the product how dare you scam and manipulate the truth.  I just ask that you make it right.  just because your employees failed at their duties does not hinder the fact of what I agreed too.  I will continue to fight the discrepancy and take it too the top through all reporting agencies if I have too.
Regards, [redacted]

Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the above referencedaccount. Comenity Capital Bank previously issued American Laser Skincare creditaccounts, and we are here to help with account-related questions. Your complaint wasforwarded to my...

attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on May 8, 2015. We have enclosed a copy of our previous response for yourrecords. Please be advised that our position remains unchanged.Additionally, Comenity Bank is unwilling to delete the information that is reporting accurately tothe credit bureaus regarding the American Laser Skincare credit account.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations SpecialistThank you for contacting Comenity Capital Bank. As the bank that issues your American Laser Skincare(ALS) credit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare (ALS) account. Due to the servicenot received, a credit of $450.00 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 05/07/2015, your balance is $0.00. 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 amountand, if applicable, any related finance charges. These credits appeared on your billing statement as aprovisional 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.We value you as a customer and apologize for any inconvenience this may have caused. If you havefurther questions about your account, please contact us at ###-###-#### (TDD/TTY: ###-###-####).We will be happy to help you.Sincerely,Customer Care team[redacted]SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, 1100 Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection Act. The State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. TheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with thislaw.

Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding the abovereferencedaccount. Comenity Capital Bank previously issued American Laser Skincare creditaccounts, and we are here to help with account-related questions. Your complaint wasforwarded to my...

attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on May 27, 2015. We have enclosed a copy of our previous response for yourrecords. Please be advised that our position remains unchanged.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####).  I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist

Thank you very much for resolving this matter to my satisfaction.  I appreciate your efforts very much.

I have provided all documentAtion to verify my claim. Also I was told it takes 60 days to resolve disputes. Now, they say 90 days. I can see no reason for this to be prolonged.  Also, my credit rating is being negatively impacted.

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

questions.  Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.  We understand from your complaint that you are receiving collection calls from the Bank, that the above-noted account continues to assess unwarranted late fees, and that you are disputing the validity of the debt owed on the GameStop PowerUp Rewards™ account.  You are requesting that the Bank correct your credit report and remove all unwarranted fees.  We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you.  Please note that we have reviewed your GameStop PowerUp Rewards™ account, and we are pleased to share our findings below.  Bank records indicate that the GameStop PowerUp Rewards™ account was opened on November 20, 2014; 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.  On November 20, 2014, a purchase of $350.00 was applied to the account, and was placed on a 6-month deferred interest payment required plan, due to expire on May 23, 2015.  As agreed upon at the time of purchase, no interest would be assessed to the account, should the balance of your promotional plan be paid in full as of the scheduled ending date.    On May 23, 2015, the above-referenced promotional plan was not paid in full; therefore, finance charges totaling $45.80 were applied to the account.  Please note, information about your promotional plan was provided to you on your monthly billing statements in the “details of your plans” section.  Specifically, accountholders are instructed that should a balance not be paid in full, accrued finance charges, dating back to the original date of purchase, will be assessed to the account.   Our records further indicate that payment was not received by the January due date.  Additionally, no payments were received for March, April, and May 2015; as such, late fees and finance charges were applied to the account as explained in the CCA.  Furthermore, 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.  Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status.  Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.  For your review, we have enclosed a copy of the CCA, a copy of the sales receipt provided by GameStop PowerUp Rewards™, as well as a copy of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus.   Although there were no Bank errors, in the interest of customer service, we issued credits totaling $33.00 for the previously assessed Bank fees; a credit of $25.00 was issued on January 30, 2015, and credits totaling $8.00 were issued on April 26, 2015.  Please be advised that these adjustments were made as a one-time courtesy, and we are unwilling to remove any additional charges.   Lastly, please be advised that Comenity Capital Bank reports the same information to each of the national credit-reporting agencies.  A recent review of the account did indicate some reporting discrepancies.  We have sent notification to the credit-reporting agencies of the changes that need to be made; however, the payment history is accurate and no changes will be made regarding the reported delinquencies for March 2015 through May 2015.    As of the date of this letter, your account has a revolving balance of $512.61 with a minimum payment of $86.00 due by June 20, 2015.   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 Ms. [redacted]We received a complaint from you, addressed to the Revdex.com, regarding theabove-mentioned account. Cornenity Capital Bank issues Lenovo- credit cards, and we are hereto 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 from your complaint that you made a purchase for one laptop from Lenovolu andwhen you received your billing statement you noticed that you were charged twice. You contactedcustomer service and you were advised that the additional charge was an authorization chargeand that it would fall off your account in 30 days. We understand that the duplicate charge isimpacting your credit score. You are requesting that the Bank update your account balance toreflect one charge of $552.49 and update the balance on your account with the credit-reportingagencies. We would like to apologize for any inconvenience this matter may have caused you.We have contacted Lenovo on your behalf regarding the duplicate purchase for $552.49, chargedon August 25, 2016. Please be advised that credit totaling $552.49 was issued to your accounton October 6, 201 6. The balance on your account is $502.49.While we investigated this matter, we issued your account a temporary credit, which appears onyour billing statement as a "provisional credit". On your next statement, the provisional credit willbe removed.Please be assured that notification has been sent to the national credit-reporting agencies toadvise the correct account balance as of the September 8, 2016, bill date was $552.49. Pleaseallow the credit-reporting agencies 45 days to update their records.Additionally, when we contacted Lenovo, we asked about the information you were providedregarding the "authorization charge" and then an additional charge once the item is shipped. Weapologize if this information was rniscornmunicated to you. Lenovo provided the followinginformation regarding their credit card authorization process: During checkout, Lenovo willrequest a pre-authorization for the total order amount from your credit card company, this is notan actual charge. Once your order ships, your credit card will be charged. If you ordered morethan one item, there may be multiple charges as items ship separately as they become available.This will not increase your shipping charges. At times, we may have to re-authorize your creditcard for the unshipped amount. This may result in a duplicate authorization that will be releasedaccording to your banks authorization hold policy. Again, this is a hold on the funds, not an actualcharge.The double charge on your account was an error, not the result of an authorization charge.We hope that you find this information helpful. Should you have any other questions or concernsregarding this account, please feel free to contact me at ###-###-#### ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.Sincerely,[redacted]

Dear Jesu Berkeley:   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues My Place Rewards credit cards. We are here to answer your questions and assist with your concerns.   We understand from...

your complaint that you received two phone calls on May 1, 2017, and you were not happy with the level of customer service received. We apologize for the inconvenience this matter may have caused you.   Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempts to communicate are successful.   It is never the intention of Comenity Capital Bank to frustrate our customers, and I certainly apologize for the inconvenience you experienced in this matter. Our goal is to provide excellent customer service, and we are disappointed when this does not occur. Our management team reviews calls of this nature, and makes appropriate recommendations for training or counseling purposes, should that be necessary.   Thank you for scheduling your payment for $155.76 for May 12, 2017.   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,Ashley H[redacted] Compliance Dept. – Consumer Responses

Comenity Capital Bank has received your additional correspondence regarding the abovereferenced account. Comenity Capital Bank issues the HSN credit card account. We are here to answer your questions and assist with your concerns.Your correspondence states the payment that was due in December 2016 was not paid late, andif it was, we should reinstate your limit because it was only one payment.We have enclosed the billing statements which show the account activity from November 2016through January 2017.Please be advised the account is reviewed each month. If the Bank is willing to increase the creditlimit, this information will be reflected on your billing statement.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Jenny W

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced creditcard account. Comenity Capital Bank issues the ZALES outlet® credit cards. We are here toanswer your questions and assist with your concerns.Your complaint states that you purchased two...

rings for $927.04 with an advertised 0% interest ifpaid for in 12 months. You state that you paid in time and that your wife found another ring for$584.52. There was no mention of the financing or interest rate. You continued to pay the billand later found that the two charges were combined, so by August 8, 2016, after paying off thefirst purchase, a balance of $271.51 was left on the second charge and you were charged 29.24%($188.44) of interest on the entire purchase. You request a credit for the interest chargesassessed to the account.Our records indicate that a purchase, totaling $927.04 was charged to the account on August 5,2015, and was placed on a 12-month deferred interest, payment required, promotional plan,scheduled to end on August 18, 2016. An additional purchase, totaling $584.52 was charged tothe account on January 7, 2016, and placed on a 6-month deferred interest, payment required,promotional plan, scheduled to end on July 18, 2016.As agreed upon at the time of purchase, no interest would be assessed to the account, shouldthe balance of your promotional plans be paid in full as of the scheduled ending date. Thisinformation is clearly provided on all billing statements in the “details of your plans” section, thatshould the balance not be paid in full, accrued finance charges dating back to the original date ofpurchase would be assessed to the account. The details of your plans provides the originalpurchase date, original purchase amount, promotional plan end date, previous plan balance,purchases and charges, payments and credits, new plan balance, accrued interest per billingperiod, and total accrued interest.The promotional purchase of $584.52 was paid in full on June 30, 2016, and no interest wasassessed for this balance. However, On August 18, 2016, the promotional purchase of $927.04still had a balance due of $271.51 and was not paid in full. Therefore, accrued finance chargestotaling $188.44 were assessed to the account, and are valid fees. The Bank is unwilling to creditthe charges.Enclosed are copies of the sales receipts for your records.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]

Dear Ms. [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 a PayPal Credit account was opened in your name without acredit check or proper authorization from you. You state that you were never providedwith Terms and Conditions to accept when making a purchase through PayPal, whichwould indicate you were applying for a line of credit. You also state you placed a fraudalert on your credit report to prevent credit accounts to be opened in your name withoutyour express authorization. You are requesting PayPal Credit remove the inquiry fromyour credit report.PayPal Credit's records reflect that your PayPal Credit account' was opened on August19, 2011, in connection with an online purchase attempt of $65.00 through an eBaymerchant, with PayPal Credit selected as the funding source. In order for theapplication to process with PayPal Credit and an account to be opened, you wererequired to provide your name, date of birth, last four digits of your social securitynumber, and agree to and accept the electronically presented Terms and Conditions atthe time of purchase. The purchase attempted at the time your account was created didnot post to your account.Please note, the first line of the Terms and Conditions provided to you during theapplication process reads, "Bill Me Later@ is an open-end credit plan offered byWebBank (the "Lender"). ..and [you] authorize the Lender to review your credit report."This immediately informs a consumer they are applying for a credit product and notPlease be advised that as of August 1,2014, Bill Me Later@ was rebranded to PayPal Credit. This is purely a product name change and has noimpact on how your account will function. The lender for PayPal Credit accounts is still Comenity Capital Bank and the accounts will continue tobe serviced by Bill Me Later, Inc.Please be advised that WebBank, Salt Lake City, Utah was previously the Lender on the PayPal Credit Payment System. As of August 29,2013, Comenity Capital Bank, Salt Lake City, Utah, became a Lender for the PayPal Credit Payment System. PayPal Credit accounts willcontinue to be serviced by Bill Me Later, Inc.making a traditional PayPal purchase. Enclosed is a copy of the Terms and Conditionsfor your reference.Our records reflect a purchase of $25.00 from PayPal merchant Alliance for LupusResearch, posted to your account on May 18, 2015, as reflected on your statementdated May 24, 2015.Please also note, purchases made using your PayPal account are not automaticallydiverted to a PayPal Credit account. Upon checkout, customers are provided with theiravailable funding options within their PayPal accounts. The first funding sourcepresented to the customer is the default funding source on the PayPal account. If youdo not wish to utilize PayPal Credit, you always have the option to cancel theapplication or choose one of your existing payment methods.Our records indicate you called you called PayPal Credit on May 31, 2015, regardingyour account. During the phone call, you stated you did did not apply for the PayPalCredit account in your name, and that you have a security freeze on your credit report.The representative explained how a PayPal Credit account is established by a customerduring the checkout process, and the necessary steps that a customer must complete toapply. You then submitted a payment of $25.00 with the representative, and theaccount was closed, per your request.PayPal Credit obtained a copy of your credit report when you first applied for yourPayPal Credit account, as discussed above. At the time of your application, PayPalCredit did not receive notice from the credit reporting agencies that there was a creditfreeze associated with your credit report.PayPal Credit is unable to remove the credit inquiry because, pursuant to the PayPalCredit Terms and Conditions, you were notified you were opening a line of a credit, andthat a credit report would be obtained. As of the date of this letter, your account isclosed with a zero balance.We hope this letter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses

Dear Mr. [redacted]:We have received your recent complaint, addressed to the Better Business 8ureau, regardingthe above-noted account. Comenity Capital Bank issues Smile Generation Financial creditaccounts, and we are here to help answer your questions. I appreciate the opportunity to assistyou with...

your concerns.We understand from your correspondence that you have scheduled several of your paymentsvia the online Account Center website on your due date, yet they have been late and incurred afee. Additionally, you state that you have been charged an annual fee of $100.00 to have theaccount. We apologize for any frustration or confusion these matters may have caused you.Our records indicate that a purchase of $524.00 was charged to your account on July 30, 2014.The purchase was placed on a 12-month deferred interest, payment required, promotional planthat was scheduled to end on July 31, 2075. For purchases on these plans, the customer isrequired to make payments on the promotional balance based on the standard repayment termsfor their account. Interest is accrued (calculated, but not added to the balance) and if thebalance is not paid in full by the plan end date, the accrued finance charges, which arecalculated from the date of the original purchase, will be added to the deferred balance, and thisbalance will be moved to the customer's revolving balance.Information was provided on all billing statements, in the "Details of your plans" section, that ifthe balance was not paid in full by the ending date, the accrued finance charges would beassessed to the account. On July 31, 2015, as the promotional balance was not paid in full,finance charges totaling $110.08 were assessed to the account.Please be advised that the due date for the above-noted account is the 161h of the month andwill not change. When payments are not received, are received after the due date, or are madefor less than the minimum required, the account may be assessed a late fee and financecharge, as explained in the Credit Card Agreement.Bank records indicate that payments received for the September 2014, March 201 5, and June2015 due dates were received late; therefore, a $25.00 late fee was assessed for each latepayment. Bank records also indicate that no payment was received for the October 2014, July2015, and September 2015 dues dates; a $25.00 late fee was assessed each missed payment.Additionally, the payment of $25.00 received on April 16, 2015, was returned by your financialinstitution on April 22, 201 5, which resulted in a returned check fee of $25.00.Please be aware, Comenity Capital Bank offers several payment methods for your convenience:Online: Online payments submitted via the Account Center prior to 6pm Eastern Time(ET) can be credited to your account the same day. Online payments submitted after6pm ET will be credited the following day (or on the future scheduled date of yourchoosing). This online payment cutoff time is disclosed on the Bank's online AccountCenter.Mail: Send your payment and payment coupon in the envelope that came with yourbilling statement. We recommend allowing 7-10 days for the payment to arrive. If youare a paperless customer, you may print out a payment stub on the Account Center siteso your payment is processed as quickly as possible.Payment by Phone: If you need to make a payment today, you may call us at thephone number on the back of your billing statement to speak to a customer carerepresentative. A fee applies to same-day payments made with a representative viatelephone.As of the date of this letter, the balance on your Smile Generation Financial account is $562.54,and we consider this balance valid. Please be aware that the next minimum payment of $48.00is due by October 16, 2015.We hope this information is helpful. Should you have any other questions or concernsregarding this account, please feel free to contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Melissa L[redacted]

Dear [redacted]  Comenity Capital Bank received your complaint regarding the above-noted account.  As the Bank that issues HealthiPlan credit accounts, we respond to all account-related concerns.  Your complaint, addressed to the Revdex.com, was forwarded to my...

attention, and I appreciate the opportunity to assist you.  Your complaint states that you financed hearing aids on your account and you understand that your purchase was placed on a 12-month deferred interest plan that was sent to expire on August 29, 2016.  Furthermore, you state that you scheduled a payment of $1,360.00 to pay off the promotional balance on September 4, 2016, as you thought you had 25 days after the closing of each billing cycle.  However, you were charged the accrued interest of $1,101.00 and you are requesting a refund for the interest paid.  We understand your concerns and apologize for any confusion or frustration this may have caused you.  Our records indicate that on August 29, 2015, a purchase of $6,360.00 posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on August 29, 2016.  For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account.  Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance.  Please be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”.  I have enclosed your billing statements for your review.  Please be advised that a statement was issued to you on August 1, 2016, showing a balance of $1,360.00 with a minimum payment of $55.00 due by August 27, 2016.  Under the “details of your plans” section of your statement, it stated that the promotional balance of $1,360.00 needed to be paid by August 29, 2016, to avoid the accrued finance charge.    The Bank received a total payment of $250.00 on August 27, 2016.  Please be advised that the payment did not pay your promotional balance in full.  As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $1,011.28 was assessed to your account on August 29, 2016, and the remaining promotional balance of $1,110.00 was moved to revolving, which is subject to normal monthly finance charges.  Our records further indicate the last payment we received was on September 6, 2016, for $2,121.28, which brought your balance to zero.  Comenity Capital Bank did not find any errors with the account; therefore, we are unwilling to remove any fees, as they are valid.    I hope this information is helpful.  Should you have any additional questions or concerns regarding your credit account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####.Sincerely,Jenny W[redacted]

Dear Ms. [redacted]:Thank you for your complaint, addressed to the Revdex.com, regarding the above-notedaccount. Comenity Capital Bank issues Orbitz Rewards Visa@ credit card accounts, and we respond toall account-related questions. Your complaint was forwarded to my attention, and I...

appreciate thisopportunity to assist you.We understand your concerns with regard to your credit card being declined when used nationally andinternationally. You also state that we have not issued you the credit for returned purchases anddisputes, nor have you received bucks that you have earned.Bank records indicate a letter was mailed to you by Comenity Capital Bank dated August 3, 2015; thisletter was mailed to you due to not receiving all of the details regarding your dispute. On November 19,201 5; we mailed you an additional letter asking for more information. It is important for you to fill out theform completely and mail it as soon as possible. This form is required to protect your sights as aconsumer and grants us the right to dispute this directly with the merchant on your behalf.I have attached an additional form for you to complete, once it is received we will send you a letteradvising you the dispute is in process. Please allow up to 60 days for Comenity Capital Bank to completeyour dispute.Additionally, please understand that Comenity Capital Bank monitors account activity. If we see unusualactivity on your account, the account may be temporarily blocked, until we can verify the activity is valid.We always recommend calling to inform us of any travel plans, nationally and internationally, to avoidyour credit card from being blocked. We apologize for any frustration or inconvenience this may havecaused you and hope that this can be avoided in the future.Please be advised that the Orbitz Rewards Program is operated by Orbitz. If you have any questionsregarding orbucks, please reach out directly to Orbitz via the website to chat with a travel agent.Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY###-###-####). I will be happy to assist you.

Paypal Credit is trying to screw me over. I made my payment for Jan on Dec 30th. They refused to apply it to my payment forcing me to not only make a double payment BUT py a late fee when the payment was NOT late!
Regards, [redacted]

I am rejecting this response because I gave already called and the warning letters continue for an aacount I do not have.  No further correspondance nor contact.  There is no account number as there is no account.  Use this as written response.
Regards,
[redacted]