Comenity Capital Bank

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Haband credit cardWe are here to answer your questions and assist with your concerns You state you have accounts with Haband and Fingerhut, and have written numerous times to try and get assistance with your accountsYou further state that letters you have written to the President and CEO’s of these companies have been returned to youAlthough you contacted the credit departments explaining your concerns, requested statements reflecting what was purchased, and requested cancellation of some late fees and finance charges, you have received no responseWe sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Comenity Capital Bank and Haband are separate entitiesThe Bank issues and is responsible for addressing questions related to Haband credit card accountsHaband is responsible for handling matters related to sales, merchandise processing, returns and shippingComenity Capital Bank is not the credit provider for Fingerhut Please also keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, a late fee and finance charge may be assessed to the account, as explained in the Credit Card Agreement We have reviewed our records, regarding the above-referenced Haband account, and we are happy to share our findings Our records indicate a purchase of $posted to the account on March 7, This purchase consisted of the following items: one pair of American Sweetheart Zippy Canvas Casuals in Denim, for $14.99, two free gifts, $for shipping and handling charges, and $for tax Our records indicate a purchase of $posted to the account on May 9, This purchase consisted of the following items: one pair of Sling Back Dress Casual Sandals in Taupe, for $21.99, one pair of Comfort Well by Beacon Butterfly Kisses Sandals in Black, for $21.99, one free gift, $for shipping and handling charges, and $for tax We have also reviewed your past correspondence sent to the Bank regarding the above-referenced Haband accountOur records indicate that responses were sent to you on the following dates: June 23, 2016, June 27, 2016, July 18, 2016, and October 15, We have enclosed copies of these letters for your review Although we find the late fees and finance charges assessed to the account to be valid, the Bank has made the decision to no longer hold you responsible for the remaining balanceIn the interest of customer service, on February 27, 2017, we issued credits totaling $to the accountAs of today’s date, the account balance is zero Notification was sent to the credit reporting-agencies regarding the Haband account, to remove the negative payment informationThis update should appear on your credit file within the next calendar days I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted]

We received your correspondence sent to the Revdex.com (Revdex.com) regarding PayPalCredit, which was forwarded to Comenity Capital BankThe PayPal Credit product is issued byComenity Capital Bank (Bank) and serviced by Bill Me Later, Inc.Your correspondence states you made a purchase with Hotnessfeet using PayPal Credit but didnot receive your purchaseIn addition, you were unable to reach the seller, and PayPal Credithas not issued a credit for this purchaseYou are requesting a refund.PayPal Credit's records reflect your concerns were addressed in prior Revdex.com of Greater Marylandcorrespondence responses dated January 12, 2017, and January 27, (Case # [redacted] ).PayPal Credit’s resolution remains the same as the tracking details show the item was deliveredon December 19, 2016, at 2:PM at the front door/porch (United States Postal Service trackingnumber [redacted] )As previously advised, if you have further questionsregarding the delivery of your purchase, or if you wish to further dispute the delivery of thispurchase, you will need to file a claim directly with the United States Postal Service or your localpost office for missing mail.Per your request on January 15, 2017, PayPal Credit closed your accountOn January 20, 2017,and January 26, 2017, PayPal Credit received your payments totaling $As of February13, 2017, your account is closed with a zero balance.We hope this letter explains and resolves this matter.Sincerely,

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

Dear [redacted] :Comenity Capital Bank received your complaint regarding the above-noted accountAs the Bankthat issues Lending Club Patient Solutions credit accounts, we respond to all account-relatedconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to assist you.Your complaint states that you were charged $1,in finance charges because you did notpay your promotional balance off by the plan’s expiration dateYou further state you were notmade aware the finance charge would be assessed to your account, and you are requesting theybe waivedWe understand your concerns and apologize for any confusion or frustration this mayhave caused you.Our records indicate on September 19, 2014, a purchase of $6,posted to your accountand was placed on a 24-month deferred interest, payment required plan that expired onSeptember 20, For purchases on these plans, the customer is required to make paymentson 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 fullby the plan end date, the accrued finance charges, which were calculated from the date of theoriginal purchase, will be added to the deferred balance, and this balance will be moved to thecustomer’s revolving balancePlease be advised that information regarding your promotionalplans appeared on your monthly billing statements, under the heading, “details of your plans”Ihave enclosed your billing statements for your review.Please be advised that a statement was issued to you on August 24, 2016, showing a balance of$1,with a minimum payment of $due by September 19, Under the “details ofyour plans” section of your statement, it stated that the promotional balance of $1,neededto be paid in full by September 20, 2016, to avoid paying accrued interest.The Bank received a payment of $on August 31, Please be advised that thepayment did not pay your promotional balances in fullAs a result of the promotional balance notbeing paid in full by the plan expiration date, the accrued interest of $1,was assessed toyour account on September 20, 2016, and the remaining promotional balance of $1,wasmoved to revolving, which is subject to monthly finance charges.Our records further indicate the last payment of $1,was received on October 11, 2016,which brought the account balance to zero.Although, Comenity Capital Bank did not find any errors with the account, our records indicatethat a credit of $was issued to your account on November 1, Please be advised weare unwilling to remove any additional finance charges, as they are valid.I hope this information is helpfulShould you have any additional questions or concerns regardingyour credit account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***

This is in response to your letter that I am enclosing the police report as well as the county attorneys letter referring tothe law suitI had provided this info in the pastI am enclosing again in reponse to the complaint filed with Revdex.com.Sincerely, [redacted] ***

We received your complaint, addressed to the Revdex.com, sent on behalf of your grandmother [redacted] , regarding her Haband account Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state that your grandmother passed away on April 13, You returned an unopened package to Haband, and a charge was added for the return shipping You called in May to let Haband know that your grandmother had passed away, and to inquire about the credit card balance so that you could pay it You were told the account would be marked as deceased but that you could be given no additional information regarding your grandmother’s account You were unable to locate a bill; however, a bill finally came in the end of June 2016, which included a late fee You paid the original charge, less the return, plus the return fee Lastly, you state the late fees and interest are now over $for a bill which was paid for shipping charges You are requesting for the balance to be credited and for the account to be closed We sincerely apologize for any frustration or inconvenience this matter may have caused you Please accept my condolences on the loss of your grandmother We understand that this must be a difficult time for you and your family I understand that you are dissatisfied with the service received when contacting the Bank to advise that your grandmother had passed away and to inquire about the balance Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Please understand that Comenity Capital Bank and Haband are two separate entities The Bank issues and is responsible for addressing questions related to the credit card account Haband is responsible for handling matters related to sales, merchandise processing, returns and shipping I attempted to contact you by phone on September 8, 2016, to discuss your concerns; however, my attempt was unsuccessful Please be assured, as of July 13, 2016, the above-referenced account has been closed by the Bank, and notated accordingly No further communication or billing statements regarding the above-reference account should be received We hope you find this information helpful If you have any further questions, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (888) 819-1918) I will be happy to assist you Sincerely, Laura R [redacted] Consumer Relations Specialist CC: Revdex.com

Enclosed please find bill (sorry it is so messy but I was writing as I was discussing on phone)As you can see the item was $and I paid $when returning the itemThey had sent it in a mailing envelope and I was told the $was the fee for returning it in the same envelope even through the envelope had a return stickerI think this is unethical

Dear [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your Petland credit cardaccountComenity Capital Bank issues the above-referenced credit card account, and we respond to all accountrelatedinquiriesYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.You state in your complaint that you visited the Petland store and picked out a dogYou reviewed different offers withthe store associate who advised you that the Petland credit card would offer a payment of $a month, so youdecided to get the credit cardHowever, when your first statement arrived it indicated a minimum payment of $135.00.You contacted the Bank and Petland and were advised that there was nothing that could be done.You are requesting that the minimum monthly payment be $25.00.After a review of your account and the sales agreement, we are unable to reduce your minimum payment to $25.00.The minimum payment on the account is dependent on the account balanceThe Credit Card Agreement (CCA), statesthat the minimum due repayment is 4% of the account balanceUse of the account, or failure to close the accountwithin days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessmentof any finance charges and fees.We have contacted Petland and they provided the Credit Account Sales Receipt that you signed on April 18, 2016.Please find the enclosed copy for your records.Please understand that Comenity Capital Bank and Petland are two separate entitiesThe Bank is responsible foraddressing questions related to the credit card account, while Petland is responsible for handling matters related tosales, merchandise, and returns.As a courtesy, we have removed the late fees in the amount of $101.00, and removed the delinquencies reporting tothe credit agenciesYour account is current as of the date of this letterPlease allow 30-business days for this toreflect on your credit report.Please be advised that your payment is due by the 7th of each monthThe next payment will be due by October 7,The minimum amount due will be reflected on the September billing statement.We value you as a customer, and we hope you find this information to be helpfulIf you have any further questions,please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).Sincerely,Diamond LongConsumer Relations SpecialistCC: Revdex.com

Dear [redacted] Comenity Capital Bank (Bank) has received your additional correspondence regarding the above-referenced accountComenity Capital Bank issues the Lending Club Patient Solutions credit accountWe are here to answer your questions and assist with your concerns I understand from your correspondence that you did not receive the billing statements that I previously stated would be sent you to Please be advised the Bank does not submit your billing statements to the Revdex.com as it contains confidential information pertaining to your personal accountThe billing statements were mailed to your home with a copy of the previous letter from the Bank We apologize for any frustration or inconvenience this matter may have caused you I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kristina W***

Dear MrLantz:We have received your correspondence sent to the Revdex.com (Revdex.com)regarding [redacted] Credit, which was forwarded to Comenity Capital BankThe [redacted] Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,Inc [redacted] Credit is a payment option made available by many merchants to theircustomers.Your correspondence states your [redacted] Credit account was suspended after youreported a fraudulent transaction in March of Although you requested to have youraccount reinstated, your request was not completedFurther, your balance includes thefraudulent transactionYou are requesting your balance be updated and your accountreinstated[redacted] Credit's records reflect your [redacted] Credit account was opened on April 12, 2008.On March 3, 2016, you called [redacted] Credit to report a fraudulent charge on your accountin the amount of $975.90, and your account was referred for fraud reviewOn March 16,2016, activity on your account was confirmed to be fraudulent and on March 18, 2016, [redacted] Credit mailed you a letter informing you of the outcome of the investigation, aswell as your account being closedPlease note, you are not responsible for the fraudulentcharges.On November 19, 2016, you called [redacted] Credit requesting to have your accountreinstated, and a representative submitted a reinstatement request on your behalfOnDecember 13, 2016, your balance was returned to zero and on December 19, 2016, youraccount was fully reinstated and may be used for purchases.At this time, your [redacted] Credit account is not linked to your [redacted] accountIn order tolink your two accounts, please visit www.billmelater.com and select "Link My Account." Ifyou have further questions or concerns, or if you require further assistance, pleasecontact [redacted] Credit at ###-###-####.As of the date of this letter, your account is open with a zero balanceWe hope this letterexplains and resolves this matter.Sincerely,Jennifer P***Compliance Dept- Consumer Responses

Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand from the complaint that you made a purchase using the Flex Payment optionAfter returning this item you received a statement for the purchase and wrote to Comenity Capital Bank stating that you returned the item and will pay any shipping charges after the item has been creditedYou state the next month you received a statement with a late fee and you would like to be credited for this fee, as you have mailed in a payment for the shipping chargesAdditionally, you state your concern with the letter you received stating we have reported this information to the national credit-reporting agenciesWe apologize for any frustration or confusion you may have experienced regarding this matterAfter a thorough investigation, our Bank records indicate a courtesy late fee credit, in the amount of $21.00, was applied to your account on February 26, As of the date of this letter, your account balance is $Comenity Bank is required by law to report factual data to the credit-reporting agencies with regard to account activityPlease be advised that the previous correspondence was indicating that we will report that your HSN account has been closed per customer requestPlease be assured that no derogatory payment information has been reported regarding your HSN accountWe value you as a customer, and hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerely, Ashley R***

I am writing you concerning my complaint ID [redacted] against Comenity Capital bankLast week I did receive a check for $for restitutionThe monthly bill did also show a $balance which I am satisfied withIn part I have realized that I was partly at faultThe VIP plus that Blair offers charges $After the first month and every month thereafter, unless the customer sends a decline "in writing", of which I did not know until their recent letterI truly appreciate your assistance in handling this matterWhen a customer calls the company, the automated answering service does not allow you to speak to "a person"So this is hwy a customer cannot solve problems on their own.Thank you for all you have done.Sincerely yours, [redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues The Tog Shop credit cardWe are here toanswer your questions and assist with your concerns.We understand from your correspondence, submitted to the Better Business Bureau, that theaccount was opened in error and you dispute the chargesYou state that you made a purchasefor a shawl in the amount of $14.97, and this is the only transaction placed on the accountYourpersonal bank confirmed a payment to Comenity Bank in that amount on December 20, 2016.You are requesting to have all charges on the account reversed and the account closed.Please be assured that credits totaling $were applied to the account due to this matterAsof the date of this letter, the account has a credit balance of $A refund check in this amountwill be sent to you within business days under separate mailing.Additionally, the account was closed per your request on March 30, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee SmithCompliance Dept– Consumer ResponsesCC: Revdex.com

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues GameStop PowerUp Rewards credit cardsWe are here to answer your questions and assist with your concerns We understand from your complaint that you have received several late fees due to the Bank’s payment cut off timeYou state you were on a call with an agent on your payment due date and state the agent waited until after the cut off time to take your payment and you were advised that you would be assessed a late feeYou also state you had a payment that didn’t post due to a Bank error and you did not receive a phone call or email regarding the issueYou are requesting to have all of the fess refunded and a change to the Bank’s payment cut off timeWe apologize for the inconvenience this matter may have caused you Please be advised, that payments must be made by the payment due date and before 6:p.mEastern Time (ET), if payments are being mailedIf your payment is being made online or by phone, payments must be made by 8:p.mETFor additional information regarding cut off times, please refer to page two of your billing statements Please be assured that your payment for $that was processed by phone on February 21, 2017, was credited as a same day payment and you were not assessed a late fee; however, the payment posted to your account on February 22, Your payment of $made on January 21, 2017, was returned due to insufficient funds and you were advised of this information on your February billing statement The Bank is willing to remove one late fee in an eighteen month time period, as a courtesyOur records indicate that a late fee credit in the amount of $was issued to your account on March 21, Also, a partial late fee credit of $was issued on your account on June 27, Unfortunately, the Bank is unwilling to make any additional adjustments to your account for the previously assessed late fees In regard to your claim that a payment did not post due to a Bank error; we are unaware of an error that occurred in which your payment would not have postedIf you believe an error occurred on the part of Comenity Capital Bank, please provide more details so we can research Regarding payment cut off times, please understand the Bank offers multiple ways to make a payment by the cut off time Online: Online payments submitted before 8:p.mET can be credited to your account the same-dayOnline payments submitted after 8:p.mET will be credited the following day (or on your future scheduled payment date)Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your GameStop PowerUp Rewards account Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf 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 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:p.mET to speak to a customer care representativeA 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/CustomerResourceCenter I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Ashley H***

Dear MsYannotti-Suide: We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues j.jill credit card accounts, and we are here to assist with your application-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you applied for a j.jill credit card via the website You state that you attempted to apply for a credit card previously but were told that you omitted the required information on your application, and it could not be processed, and to reapply after days You state after days you reapplied again You also state that when filling out the application you entered your physical address and in the second address you entered your PO Box You received a letter advising you due to the Patriot Act; we requested that you call us due to the Bank needing additional information to process your application You indicate that you called the number mentioned in the letter and were advised that the Bank would need you to mail a copy of your social security card and driver’s in for verification At that time you requested to email a copy of the information requested and were advised that the information must be mailed You declined to send your personal information via mail, and are requesting that your application be processed without it, because you do not understand why this information cannot be emailed After a thorough review of the application, our records indicate that when the information was entered your address was entered as [redacted] and there was no secondary address on the application A previous letter was sent to you advising that the USA Patriot Act requires all financial institutions to obtain and verify information that identifies each person who opens and account This letter requested your social security number or other identification number, date of birth, and a physical street address Additionally, the letter stated that one or more of these elements was missing from your application In regard to the conversation with our customer care representative, where you were informed that the information being requested needed to be mailed in to the Bank; please be advised that you were provided with accurate direction The information needs to be mailed in and may not be emailed to the Bank Additionally, this information must be mailed within days of the date of the letter for reconsideration of the application As the Bank did not receive the requested documentation within the allotted time frame, we are unwilling to further process the application Please note that you may reapply for a j.jill credit card after days We hope you find this information helpful, and we sincerely apologize for any confusion or inconvenience this matter has caused you If you have any further questions about your application, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Renee S***

Dear [redacted] We received the correspondence you sent to the Revdex.com (Revdex.com) regardingPayPal CreditYour correspondence was forwarded to Comenity Capital BankThePayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill MeLater, IncPayPal Credit is a payment option made available by many merchants to theircustomers.Your correspondence states you purchased services for your computer using PayPalCreditYou state you received a bill for $149.99, but unauthorized charges of $and$later posted to your accountAfter you submitted a $payment and calledPayPal to remove the unauthorized charges, you had a balance of $You wereadvised to not submit payment until you were notified; however, you did not receive thestatementsYou state you did not receive the services you paid for, and are requestingyour balance be waived.PayPal Credit's records reflect your PayPal Credit account was opened on April 19,2016,with an online purchase of $through [redacted] On May 9, 2016, PayPalCredit received your $paymentIn addition, two PayPal cash advance purchasesof $and $posted to your account on May 22, Your May 24, 2016,statement indicated a balance if the amount of $and a $minimum paymentrequirement due by June 21, 2016.On May 26,2016, you called PayPal Credit and stated the cash advance purchases thatposted to your account were unauthorizedAt this time, you were transferred to PayPalfor resolution and your transactions were submitted for reviewPayPal determined thetransactions were a result of suspicious activityAs such, you received a $creditapplied to your PayPal balance on June 6, 2016, and received an additional credit in theamount of $on June 7, 2016, which was applied to your PayPal Credit account asreflected on your June 2016, billing statementAlso on June 6, 2016, PayPal Creditreceived another payment for your account in the amount of $Please note, youcan view the $credit applied to your PayPal balance in your PayPal accounttransaction historyPayPal Credit apologizes that you did not receive notification of howthese credits would be issued to youThis was due to concerns that your email addressmay have been improperly modified as a result of the suspicious activity detected on youraccount.On June 20, 2016, you called PayPal Credit and initiated a dispute claim for the April 19,2016, purchase in the amount of $On June 28, 2016, PayPal found the claim inyour favor and issued a credit in the amount of $to your PayPal account balance.This credit can be viewed in your PayPal account transaction historyAs a result, abalance in the amount of $remained on your PayPal Credit account, which wascomprised of the $cash advance purchase from May 22, 2016, (which you werecredited for via your PayPal balance) and the $remaining from your April 16, 2016,purchase of $(which you were credited for via your PayPal balance and twopayments totaling $had since been received and applied that purchase).On January 29,2017, a payment of $posted to your PayPal Credit account, leavinga balance of $as shown on your February 24, 2017, statement.Upon receipt of your correspondence, PayPal Credit waived all fees applied to yourPayPal Credit account because all purchases were creditedFee waiver credits totaling$will appear on your March 24, 2017, statement.Your correspondence mentioned you did not receive billing statementsPer E-Signconsent, you agreed to receive "statement ready" emails via the email address on file foryour account, [redacted] , alerting you that your statement is readyfor viewing electronicallyPayPal Credit's records indicate these emails were deliveredsuccessfully and some were openedOn January 11,2017, per your request during a callwith PayPal Credit, your statement delivery method was changed to paper.As of March 15, 2017, your account is open, with a balance of zeroWe hope this letterexplains and resolves this matter.Sincerely,Zachary B***

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 throughBUT 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 etcasI do not think it is my fault!I have enclosed a check for $to clear this up againAlso, the account should now be ZERO Please,also CLOSE the account, and I will inform Revdex.com that I accept the resolutionComplaint CLOSED!! Thank you

January 11, [redacted] RE: [redacted] Dear [redacted] : Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the [redacted] 's credit card We are here to answer your questions and assist with your concerns Your correspondence indicates you have been receiving numerous collection calls from the Bank, and you have requested these calls to stop This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on the outstanding debt We want you to have a positive customer experience with the Bank, and we have already updated your phone number(s) ending in [redacted] and [redacted] with “Do not Call” instructions As permissible under the Fair Debt Collection Practices Act (FDCPA), when an account is delinquent, we make proactive attempts to contact the customer, communicate the situation and work out repayment arrangements to minimize any negative credit reporting impacts Many times a payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to a current status We appreciate your business, and we want to share with you some options that are available to you in this type of situation Options: We understand customers may experience difficulty making their payments due to economic factorsYou may be eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term Workout ProgramThese programs can provide customers with special terms in order to help bring the account currentIf you are interested in obtaining information on whether you qualify for one of these programs, please call [redacted] Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer Credit Counseling Service (CCCS) organization for assistanceTheir programs can provide options such as reducing the interest rate and the minimum payment requirement and could include all of your creditorsWe support and participate in the programs provided by the CCCS agencies Should you wish to obtain information regarding their programs and for a member agency located near you, please contact the National Foundation for Credit Counseling at [redacted] I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, [redacted] [redacted]

We appreciate your taking the time to let us know you have concernsWe will begin researching immediately and will be in contact with you directly via phone or mail

Nothing was resolved really and people like me that are paperless will continue to get scammed by banks like this because who reads all the way to page each time they log into their credit card...really? They need to model some of the larger banks who do it right...I appreciate that messages will now appear in red but again, it's on the statement...not the main payment screen prompting you to pay attention as your date is approaching Not a good solution for paperless customers Regards, [redacted]