Comenity Capital Bank

Dear [redacted]   Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Bank issues the NY&C Rewards credit card. We are here to answer your questions and assist with your concerns.   We understand from your additional complaint that you feel you were not given an opportunity to correct the debt with the Bank. You state the account was sold on or about January 2, 2017, and then a letter was issued January 19, 2017, which deprived you of the right to settle the account.   Please be advised the Bank attempted to contact you to communicate the situation and work out repayment arrangements. In response, you requested the calls to cease. The account was sold on January 23, 2017. The letter issued January 19, 2017, was a final attempt to settle this matter; however, it did not prohibit the account from being sold.   To set up suitable payment arrangements, please contact [redacted] 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,    Kaija M[redacted]

Dear [redacted]: Comenity Capital Bank has received your complaint regarding the above-referenced credit card account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. Your complaint states that you enrolled...

in the Hardship Program; however, you were removed from the Hardship Program because you did not make your required payments on time. You further state that you settled your account in June 2016; however, your credit bureau report is showing that your account is 120 days past due and has been charged off. You are requesting that a good will adjustment be made to your credit bureau report. We apologize for any frustration or inconvenience this matter may have caused you. After a thorough review of your account, Bank records confirm that on September 5, 2015, the above-referenced account was enrolled in the Hardship Program. This Program was designed as a temporary solution to provide our cardholders 12 months of special terms in order to bring and keep their account(s) current. Once the program is successfully completed, the account(s) cannot be re-enrolled for 12-months after the completion date. Furthermore, please be aware that if payments are not received or received late, the customer will be removed from the program, and the account cannot be re-enrolled in the program for 12-months from when the account was removed from the program. Upon further review, our records indicate that on September 10, 2015, the Bank received a payment of $35.00; however, on September 16, 2015 , that payment was returned. In addition, on October 10, 2015, the Bank received a payment of $35.00; however, on October 16, 2015, that payment was also returned. As a result of having two payments returned, your account was removed from the Hardship Program. A letter was sent to you on November 8, 2015, advising you that the account had been removed from the program. The Bank did not receive any other payments there-after and as a result, your account was permanently closed, written-off and reported to the national credit-reporting agencies as an unpaid debt on March 7, 2016. Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. During our review, we have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report; however, you may place a consumer statement on your credit report. This statement will not change your credit rating; however, it will explain why the account fell past due I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Compliance Dept. – Consumer Responses

Dear Mr. [redacted]   Thank you for contacting the Revdex.com regarding the above-noted account.  Comenity Capital Bank issues your MyPoints Rewards Visa® account, 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 your concerns regarding the balance and that you feel that your account should be paid off and no balance should be owed.   As stated in our previous letter we have reviewed the balance on your account since it was opened and we have found no time in which the balance was zero.  Additionally, we have found no discrepancies in the balance.   After a review of your additional complaint, you state that you have proof of different information provided to you by Comenity Capital Bank.  Please provide this information and I would be happy to review the documentation for any discrepancies.   We hope you find this information to be helpful.  Should you have any further questions or concerns, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I would be happy to assist you.     Sincerely,   Justina M[redacted]

Dear [redacted]We received the correspondence that you sent to the Revdex.com (Revdex.com)regarding PayPal Credit. The PayPal Credit product is issued by Comenity Capital Bank(Bank) and serviced by Bill Me Later, Inc. PayPal Credit is a payment option madeavailable by many merchants to...

their customers.Your correspondence states you were contacted for the first time within the last yearregarding what you believe to be is a fraudulent PayPal account. You are requestingverification of the debt, the balance be waived due to fraud, and any negative creditreporting be removed.PayPal Credit's records reflect a PayPal Credit account was opened in your name onMarch 13, 2015, through the PayPal website. In order for an application to process withPayPal Credit, your name, date of birth, billing address, phone number, and the last fourdigits of your social security number had to be provided. The account became past duein February 2016, and charged off in August 2016.Upon receipt of your correspondence, the account and the purchases on the accountwere investigated and confirmed fraudulent. Additionally, the account was recalled fromthe outside collections agency. On March 30, 2017, PayPal Credit sent you a letteradvising your fraud claim was approved, which included an Affidavit of Fraud; pleasecomplete and return this Affidavit at your earliest convenience. Please note, you are notresponsible for the fraudulent account or the related charges. PayPal Credit has no recordof you previously contacting or informing them regarding this matter.Further, PayPal Credit sent a request to Equifax to have the credit inquiry removed andsent you a letter on March 31, 2017, advising this request was submitted. Please beadvised, this removal process can take up to ninety (90) days for Equifax to complete.PayPal Credit also noted your personal information in its system to prevent an accountfrom being opened in your name in the future. In regard to your concern about creditreporting, please note that aside from the initial credit inquiry when the account wasopened, PayPal Credit does not report the status of your account to the credit reportingagencies.If you believe you are a victim of identity theft, or there was an attempted identity theftusing your identity, there are some steps we suggest you consider taking if you haven’tdone so already.1. You can go to the Federal Trade Commission website on identity theft atwww.identitytheft.gov. It contains additional information and refers you to resources thatcould be helpful in dealing with your situation.2. Identity theft is a crime. You can file a report with your local police or the police inthe community where the crime took place. We recommend you obtain a copy in order toprotect your rights.3. You have the right to place a fraud alert on your credit reports. A fraud alert tellscreditors to contact you before they open any new accounts or change your existingaccounts. To do this, you can contact any one of the consumer reporting companiesmentioned below. If you contact any one of them, the one you contact is required tocontact the other two to place an alert on their files as well.Experian (TRW) Equifax Options TransUnion Corp.P.O. Box 2002 P.O. Box 740256 P.O. Box 6790Allen, TX 75013 Atlanta, GA 30374 Fullerton, CA 92834###-###-#### ###-###-#### ###-###-####www.experian.com www.equifax.com www.transunion.comShould you require additional information relating to the fraudulent PayPal Credit accountcreated in your name, please submit a written request to the following address, along witha copy of your current government issued photo identification:PayPal Credit[redacted]
[redacted]
[redacted]If you have questions regarding the PayPal account associated with your name, pleasecontact PayPal directly at ###-###-#### for further information.We hope this letter explains and resolves this matter.Sincerely,Jennifer P[redacted]

If you look back at my original message I indicated clearly that I have not been contacted for over a year to be told that my balance is overdue and a finance charge has been added. I have not received any statements or emails. Changing the banks from [redacted] to the current lender has slowed things down even more.  The response that I received from the bank now only states that the balance and the finance charges are valid. They may be valid in their opinion but in the settings of what happened and in comparison to every single other bank in the country or even in the world this is not acceptable. You cannot charge a person a full charge of  30% without even sending him a statement or contacting him to see what is wrong with him. What if this person has died. Every other bank in the country contacts me if there is even one over due charge Or a late payment specially if I'm used to paying them continuously. This never happened with this lender and the only reason I knew about it is I just wanted to check my balance .. So I do not accept this response thank you 
Regards, [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 THE DIAMOND STORE® 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 from your complaint that you did not receive notification that your ZALES THE DIAMOND STORE® Credit Card would be managed by Comenity Capital Bank.  You had your account set up with autopay with the previous lender, and now your account has been reported late due to non-payment.  You also state that when you contacted Comenity Capital Bank you were told that your payment had been sent to the old bank and would be sent over.  You called back again and were advised that you were 60 days late.  You attempted to set up another autopay, and you were advised that this could not be done.  You are requesting the fees be removed from your account, to be given an option to set up autopay, and for your credit report to be updated. We would like to apologize for any inconvenience this matter may have caused you. In the interest of customer service, we have issued an additional credit to your account for $66.27 to remove the latest late fee and finance charges that were assessed to your account.  The original late fee of $24.00 was credited on February 18, 2016.  As of the date of this letter, your account balance is $674.53. Our records indicate that the last payment was received on January 5, 2016.  We have also contacted [redacted] in regards to the last payment received by them and have been advised that no further payments were received after January 5, 2016, and that any payments set up on autopay with [redacted] after January 21, 2016, would have been cancelled. At this time Comenity Capital Bank does not offer autopay for your ZALES THE DIAMOND STORE® Credit Card.  Please be advised, that if the option becomes available in the near future, you will be notified either via your monthly billing statement or Account Center.  For the time being, we suggest you contact your banking institution for autopay options. Please be assured that notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment information reported, regarding the ZALES THE DIAMOND STORE® account.  Please allow the credit-reporting agencies 45 days to update their records. 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]

Dear [redacted]
We received your correspondence, which was forwarded to Comenity Bank from the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your...

concerns.
We understand, from your correspondence to the Revdex.com, that you made a payment arrangement with Comenity Bank to split the minimum payment of $120.00 into two payments of $60.00, and that a late fee would not be charged. Later, you stated a late fee was charged. Additionally, you feel you should be able to speak to someone via email, and not forced to speak to someone by telephone. At this time, we would like to explain our findings.
On May 27, 2016, you contacted our Web Mail team in regards to scheduling 2 payments to cover the $120.00 payment due. Our associate advised they had notated the account of your actions; however, further advised that both payments needed to be scheduled by or before the June 11, 2016, due date or the account would be past due. Bank records show that on May 26, 2016, you had scheduled two payment for $60.00. Your first payment was scheduled for June 11, 2016, and the second payment was scheduled for June 24, 2016. Since your second payment was received after the payment due date of June 11, 2016, a late fee was assessed of $37.00.
Please keep mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement (CCA). Enclosed you will find a copy of the CCA for your records.
The Bank finds the late fee of $37.00 to be valid based on the above; however, we have removed the late fee as a courtesy. This adjustment will appear on your next billing statement.
Furthermore, please understand that payment arrangements in the future would need to be managed by our Payment Solutions team. As of the date of this letter, your account is current and your next payment for $60.00 is due August 11, 2016.
I hope you find this information helpful. If you have any further questions about this account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY: ###-###-####). I will be happy to assist you.
Sincerely,
[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Lending Club Patient Solutions credit card. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that you signed up for autopay and were later told that the Bank doesnot offer autopay, this caused your payment to be late and incur a late fee which increased your monthlyminimum payment. You are requesting we adjust your minimum monthly payment to $1,375.00 throughNovember 2017. Furthermore you are disputing the $37.00 late fee, plus the $5.00 additional payment forthe month of March. We apologize for the inconvenience this matter has caused you.Bank records indicate your payment due date is the 19th of every month. Your Lending Club PatientSolutions account is a regular revolving account, which means that if there is a balance, a minimumpayment is required each billing period. A late fee will be assessed if the minimum payment amount is notreceived by the 19th of every month.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.Due to a late fee credit that was issued to the account on February 2, 2017, your account is no longereligible to have an additional late fee credited to the account. The Bank finds this information to be accurate.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Responsescc: Revdex.com

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues GEM™ accounts. We are here to answer your questions and assist with your concerns.
We understand from your correspondence you thought the account was paid in full. You...

submitted a change of address to the post office around July or August to forward mail to your new address on [redacted] Road. However, you state you did not receive any billing statements for your account, causing two or three payments to be missed. This affected your credit report and you are requesting to have the fees and the delinquencies removed.
Thank you for taking the time out of your schedule to write us about your concerns. We would like to take this time to explain our findings below.
Our records indicate on November 7, 2016, we updated your address to 3581 [redacted] Road, Millington, Tennessee 38053-8906. Previously, statements were mailed to your address on [redacted] in Memphis, Tennessee and we did not receive any returned mail from the post office.
Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. We find the assessed fees to be valid; therefore, we are unwilling to remove them. Enclosed you will find copies of your billing statements, from September 2015 through November 2016, showing the activity that resulted in the account balance and delinquencies that reported to your credit report.
Comenity Capital Bank verified we are reporting the account correctly to the credit-reporting agencies; as such, we are unwilling to remove the delinquencies. We are required by law to report factual information. Generally, delinquent accounts will report for seven years from the date of first delinquency, and accounts in good standing will report for up to ten years from the date of last activity.
We understand that customers may experience circumstances beyond their control, which may cause their accounts to become past due. As an option, you may want to consider submitting a consumer statement to the credit-reporting agencies, explaining the reason(s) why the account became past due. This statement will not change your credit rating; however, it will explain to
potential creditors why the account became past due, and it may contribute to their decision. The credit bureaus may be reached using the following information:

Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####.
Sincerely,
Jack C

Comenity Capital Bank has received correspondence regarding the above-referenced account. Comenity Capital Bank issues the My BJ’s Perks MasterCard credit card account. We are here to answer your questions and assist with your concerns.The Bank received your correspondence that you have asked...

numerous times for the BJ’s membership and the account to be cancelled. However, you continue to receive billing statements showing that late fees have been assessed to your account. You are requesting the account closed. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you.A review of your account indicates that on August 4, 2017, we issued credits to the account to bring the account balance to zero. Additionally, please be assured that as of May 12, 2017, your account was closed.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 W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

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

regarding the interest charges that have been assessed to your account. You state that Gordon’s Jewelers offered a 24 or 36 month 0% interest promotion on your purchase; however, your account has been assessed interest prior to that timeframe. We apologize for any frustration this matter may have caused you. We previously received and responded to your correspondence submitted regarding this same matter. Please find enclosed a copy of our response sent to you on February 21, 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, Rosa M

Dear [redacted]We received a complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. The complaint, addressed to the Revdex.com, was forwarded to my...

attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement, which are also outlined in the Billing Rights Summary contained in the monthly billing statements. Specifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:? Account information: Your name and account number? Dollar amount: The dollar amount of the suspected error? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:? We cannot try to collect the amount in question, or report you as delinquent on that amount.? The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.? While you do not have to pay the amount in question, you are responsible for the remainder of the balance.? We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than 60 days after the first billing statement on which the disputed charge appeared and you have not yet fully paid for the purchase, the maximum amount eligible for a credit is the balance on the account at the time of the dispute. When we received your dispute, there was a balance of $1,037.00, which was the amount credited to your account March 9, 2015.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist

Comenity Capital Bank have not answered the following questions: Since Deferred Payment Plans are reserved for items $299.00 and up, (1) Why was a 12 Month Deferred Payment Plan ([redacted]) attached to my account from Feb 2015 thru October 2015? (2) What deferred item did I purchase in Feb 2015 and beyond? (3) Why were the following payments made to this 12 Month Deferred Payment ([redacted]) Plan from my revolving account?  I recently mailed copies of the questionable statements to the Revdex.com by certified mail, perhaps delivered 4/02/2016.  The payments transferred to this 12 month deferred payment plan read as follows: -  "FEB 2015" =  $351.22  (from my revolving account, which has created this entire problem)   "MAR 2015" = $88.38   "APR 2015" = $16.00   "MAY 2015" = $15.00  "JUNE 2015" = $15.00  "JULY  2015" = $14.00   "AUG 2015" = $13.00    "SEPT 2015" = $12.00    "OCT 2015" = $237.47.  These are questions I have asked several times, and after (14) fourteen months of correspondence with Comenity Capital Bank I have not received the answers.   
Regards, [redacted]

I was on a 4 year deferred plan. I have stated this many times over the phone and through email sent through Comenity email system. I less than 3 years into this 4 year plan.

I understood that adding my husbands dental amount to the ccount LATER, gave me a LATER DUE DAY. Since different amounts appeared on each monthly invoice, I assumed your office wasn't caught up to date, on the final amount and due date.  The late fees are included in the balance, but re somehow separate, which means you can access finance charge on the late fees?  Could it be more confusing?Regards,[redacted]

Dear [redacted]: Thank you for contacting Comenity Capital Bank regarding the above-referenced account.  As the bank that issues your J.Jill credit card account, we are here to help with your questions. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that your payments were not being applied to the above-referenced account.  You are requesting that the Bank provide you with a full accounting of the charges, and payments and update your credit report.  I am happy to share my findings with you. Our records indicate that the concern regarding payments not being applied to your account was previously responded to on December 3, 2015, and December 16, 2015. Additionally, after reviewing the account, our records indicate that the J.Jill account was purchased by Portfolio Recovery, a third party collections agency on December 22, 2015.  Portfolio Recovery may be reached at ###-###-####. We hope you find this information helpful.  If you have any further questions about your account, please contact Portfolio Recovery at the telephone number provided. Sincerely, Renee S[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card account. We are here to answer your questions and assist with your concerns.Your complaint states that you bought two items and have paid for them in...

full; however, you continue to receive billing statements showing a balance still owing. You are requesting that the Bank show that your account is paid. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you.Bank records indicate that on August 16, 2016, a purchase of $53.97 posted to your account. On August 21, 2016, a statement was issued to you showing a balance of $53.97 with a minimum payment of $20.00 due by September 16, 2016. The Bank received your payment of $53.97 on September 17, 2016. As a result of the payment being received after the due date, a late fee was assessed to your account.Bank records further indicate that on August 24, 2016, a purchase of $39.98. A statement was issued to you on September 20, 2016, showing a balance of $59.98 with a minimum payment of $20.00 due by October 16, 2016. The Bank received your payment of $39.98 on October 6, 2016. Furthermore, a purchase of $25.98 posted to your account on October 12, 2016 and a new statement was issued to you on October 21, 2016, showing a balance of $47.98 with a minimum payment of $20.00 due by November 16, 2016. The Bank received a payment of $27.98 on November 24, 2016. As a result of the payment being received after the due date, a late fee was assessed to your account.Please be advised that the Bank continued to issue statements to you showing that a balance was still owing on your account; however, no payments were received for the months of January 2017 through April 2017. Therefore, late fees were assessed to your account and your account became four billing periods past due. When an account becomes two or more billing periods past due, it is reported to the national credit-reporting agencies as being delinquent.Bank records further indicate that your account has already received a courtesy late fee credit and is not eligible for an additional late fee credit. Comenity Capital Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agencies. We have found the information we reportedis an accurate reflection of the payment history for your account. Therefore, this information willnot be changed or removed from your credit bureau report.I hope you found this information to be helpful. If you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

When I mentioned that I had received my reward certificate that allowed me to use the certificate to get a $10.00 off my new purchase, they told me I did not have a reward, but I have the certificate to prove it, (see attachment).  When I told them I had the certificate to use for the new order, they were rude, and told me that "A credit report had to be pulled to be able to order something, and that they needed my permission to do so.  I told them I did not want a hard enquiry put on my CR cause it would lower my credit score.  I told them that there was no need to pull a credit report since the account had been one for many years and they had never done that before since it had been open.  When I refused to give them permission, they told me no orders could be placed on the account then since I won't give them permission to pull a credit report.  If the account was in god standing, and was current, there was no need to do that.  The representative told me "the account was essentially closed then since nothing could be ordered from it, thus I did not close it, they did cause I wanted to apply the certificate to the order to get $10.00 off, (see certificate).  The representative was rude, arrogant and very unpleasant to deal with and so was her supervisor. I told them since the account had a perfect payment history, why all of a sudden, pull a credit report and lower my credit score?
[redacted]

Thank you for your letter of April 15,2016 with regard to the abovementioned matter. Please be advised that Comenity Capital Bank hasforwarded to me a refund check in the amount of $30.93.I want to take this opportunity to thank you for investigating this matter andresolving this complaint with a positive result.Very truly yours,[redacted]

Feb. 27, 2018In re: complaint ID [redacted] against Comenity BankDear Ms. [redacted]:I am enclosing a copy of a letter I received...

from Comenity Capital Bank dated January 30, 2018. They adjusted all the charges and brought my account down to a zero balance. I even had a$28.49 credit which they deposited into my checking account.Thank you for your help and assistance in this matter.Yours Truly,[redacted]