Comenity Capital Bank

To Whom it concernsI have gotten 3 letters from Revdex.com about a complaint I have against a person who sold me Norton Anti Virus at $149.99 for 3 yrs.  I had the service for 3 mos. then it stopped. 2 more charges for cash were on pay pal acct. That was resolved saying I owed $94.99 which I pd. after a January 17th letter from pay pal putting more charges. But every month on the 24th Pay Pal keeps sending me bills saying I owe money. so ending paying $50 then $94.99. I want my money back as I was paying for a service I do not have.So now I have 3 different case numbers. From [redacted] against [redacted] saying the business has till 4/2/17 to respond dated 3/3/17. Then on 3/3/17 ID [redacted] submitted against Comenity Capital Bank from [redacted] on 3/6/17 case #[redacted] said the complaint to [redacted] (formerly [redacted] Bank [redacted].So I pad $145 for a service I do not have and want some of my money back and stop Pay Pal from sending me mail on the 24th of each month saying I owe more money.  I refuse to pay any more money to them.Please settle this matter. The person would call and say he was updating my anti virus. Someone called recently from India saying he wants to update my Norton Acct. I hung up. Then there was a scam on my computer for 5 days. So could not use the computer till I took the battery out all nite. Next day the scam was gone. Had another scam supposedly legal looking US Government about porn to go get a pay pal card at [redacted] pharmacy and mail it to somewhere. My daughter in law came and got rid of that scam.Thank you for looking in to this matter. The original papers went to Revdex.com, [redacted]  I never got them back.[redacted]

Dear Mr. [redacted]: We received your complaint, addressed to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Woman Within credit card accounts, and we are here to answer all of your account-related questions. Your complaint was forwarded to my attention for...

review, and I appreciate this opportunity to assist you. We understand from your complaint that you received a statement in August of 2014, where you noticed the balance was higher than you expected. Upon further investigation, you noticed the balance was a result of Holsted Jewelry charges totaling $906.00, which were supposed to be sent on a no charge basis. You decided you no longer wanted the products. You returned the jewelry and there was a credit balance of almost $400.00, in January of 2015. After a purchase for shoes was processed and returned, you noticed that the credit balance was no longer on the account. You did not recognize the purchase that was charged in June of 2015, since you did not believe you made any purchases. You are stating that you have spoken to supervisors who have agreed with everything you have stated, but then letters and calls start again. You would like us to review the account thoroughly. You are requesting that the credit of $906.00 be placed back on the account, and the shoes that were charged and late fees be refunded. After a thorough review of your account, Bank records indicate that the situation referenced in your complaint was resolved and responded to on June 30, 2014, August 27, 2015 and January 13, 2016. Please be assured that we have enclosed copies of the resolution letters for your records. Thank you for speaking with me on May 9, 2016. Please find a summary of our conversation below. The $906.00 you are referencing was a result of provisional credits, fee adjustments, and Holsted Jewelry returns that were processed while your account was under dispute. Once the dispute was complete, we determined the Holsted Jewelry charges were invalid, and issued credit for those charges, which provided a credit balance of $14.46. This credit balance was refunded on February 10, 2015 and cashed or deposited on February 18, 2015. After this refund was issued, your account has a zero balance, which will show on your statement that was issued on April 16, 2015, as a previous balance. According to Woman Within’s records, you placed an order on April 2, 2015 in the amount of $46.97 for canvas flat shoes, in stone, and athletic shoes,  in black. Woman Within records further indicate that the athletic shoes, in black, were returned, but the canvas flat shoes, in stone, have not been returned. The canvas black shoes totaled $24.99, which is where your balance was coming from, along with bank fees due to non-payment. After our review of the account, we found no errors regarding the account balance. Please keep in mind, 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 and finance charge, as explained in the Credit Card Agreement. I have enclosed copies of the billing statements which show the account that comprised the account balance. In the interest of customer service, Comenity Bank is no longer holding you responsible for the remaining balance of $204.78. Due to this account being reported as a charge off, Comenity Bank sent a request to the credit bureau to delete the account from your credit report. Please allow up to 45 days for this information to be updated in their records. I understand you may still have concerns regarding the charges and returns that have been processed to the account. If so, please contact Woman Within directly at ###-###-####. I hope the information I provided is helpful. Should you have any further questions or concerns about the account, please contact me ###-###-####, ext [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Amanda R**

February 15, 2017[redacted]Dear [redacted]:Comenity Capital Bank has received your correspondence regarding the above-referenced...

account. Comenity Capital Bank issues the Ultamate Rewards MasterCard credit card. We are here to answer your questions and assist with your concerns.You mentioned that you applied for an account and were approved; however, the account was later closed due to excessive inquiries. You further state that this will negatively impact your credit rating, and you are requesting that the Bank reopen your account. We have researched your concerns and we would like to provide you with the following information.In regard to your account being closed, the Bank sent a letter on January 27, 2017, advising the account had been closed as a result of the number of recent inquiries on your credit report. A copy of this correspondence is enclosed with this letter. Please note the Credit Card Agreement (CCA) gives us the right to investigate customer credit records and to close an account at any time, for any reason.While the credit card can no longer be used for purchases, you are still responsible for paying any remaining balance on your account, if applicable.We understand your concern regarding how this account is reflecting on your credit reports. We have verified we are reporting the account correctly to the credit reporting agencies. We respectfully decline your request to remove the account and inquiry from your credit report because we are required by law to report factual information. For more information regarding credit bureau reporting, and what may or may not affect your credit score, please contact the credit reporting agencies below. In addition, you are entitled to contact the credit reporting agency contained in the enclosed letter directly to obtain a copy of your credit report used to make the account closure decision.We apologize for any frustration or inconvenience this may have caused you. I hope you havefound this information to be helpful. If you have any questions or concerns, please feel free tocontact me at [redacted].Sincerely,[redacted]

Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Blair credit card. We are here to answer your questions and assist with your concerns. We understand that on November 6, 2016, you paid a payment in the amount of $51.87 to pay off the account with a representative. At this point you requested to have the account cancelled. You state that you received a letter in the mail thanking you for paying off the account dated November 21, 2016. Since November 2016, you have received calls from the Bank in attempts to collect on the balance of the account. You have been advised that the account has never been closed and has been accumulating late fees. You further advise that the accounting department sent an apology letter for the ill treatment on November 23, 2016; that this letter also confirmed the account was paid in full. Additionally, you advise that the calls never stopped, the balance of the account is now over $200.00, and the Bank refuses to close the account. You are requesting the account corrected to reflect a zero balance, the account closed, to not have your credit adversely affected, and the calls to stop. We have reviewed the concerns in your correspondence, the mail correspondence in reference to your account, as well as the applicable telephone conversations, and here are our findings. On November 21, 2016, you contacted the Bank and advised that the account had been paid off, however, the balance was not reflecting as such. The representative advised that the payment made on November 3, 2016, had been returned as the account number provided was invalid. You advised that the information provided on the October 3, 2016 payment was the same, and the October payment went through. The representative advised that the payment made was through the automated system and not with a live representative. A dispute was opened on your behalf to review the information. You opted to make a payment during this conversation to cover the returned payment in the amount of $51.87. After the Bank completed the dispute investigation, a written response was mailed to you advising that the payment was processed properly. Please be advised that this letter did not advise that the account was paid in full. I have enclosed a copy for your records and review. After further review of your account we have found that when making your payment on November 3, 2016, with the automated system, that you opted for the option of using the previous payment method. As you have rectified the returned payment with payment on November 21, 2016, the associate late fees, finance charges, and return payment fee equaling $254.79 will be credited to your account. Once the credits post, the balance will be zero. This activity will be reflected on your next billing statement. Please be advised notification has been sent to the credit agencies to remove the delinquencies associated with this account. Please allow 45 business days for them to update their records. The account has been closed per your request as of June 22, 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, Diamond L[redacted]

Comenity Bank has received your correspondence regarding the above-referenced credit cardaccount. Comenity Bank issues the wayfair credit cards. We are here to answer your questionsand assist with your concerns.We understand your concerns regarding the charges to your account and that the charges...

wereto be deferred interest. You state that you were told some of the charges did not meet the deferredinterest minimum amount of $500.00. We also understand that you did not get your first billingstatement as it was delivered to your neighbor’s house in error by the post office, and you wereto be credited for the late fee that was assessed to the account. You are requesting the Bank toremove the interest charges and place your charge on one year interest free. We apologize forany confusion or frustration this matter may have caused you.I contacted wayfair on your behalf regarding the charges, and to investigate why all charges werenot placed on a promotional plan. They confirmed that in order to qualify for the 12-monthdeferred interest, minimum payment required, promotional plan, a purchase had to meet aminimum threshold of $500.00.Bank records indicate that the below charges did not qualify for the promotional plan, and wouldnot be moved to a deferred plan:? $367.95 purchased on September 7, 2016? $283.46 purchased on September 9, 2016? $132.45 & $217.20 purchased on September 16, 2016However, wayfair did confirm that your purchase of $1,091.67 charged on September 20, 2016,qualified for the 12-Month deferred interest, minimum payment required, promotional plan. Thisamount has been transferred to the correct plan, which will expire on September 21, 2017.Additionally, please be assured that the Bank credited the related finance charges totaling $50.27.You will see the adjustment on the next month’s billing statement. As a result of you not receiving the first billing statement, the Bank removed the late fee of $27.00which was credited to your account on December 12, 2016.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y

Dear [redacted]   We received your complaint, , regarding the above-referenced account.  Comenity Capital Bank issues DentalFirst Financing credit card accounts, and we are here to answer all of your account-related...

questions.  Your complaint was forwarded to my attention for review, and I appreciate this opportunity to assist you.    Your complaints states that you are receiving letters as well as telephone calls stating you owe $280.07, for your Aspen Dental bill, however Aspen Dental states the amount owed is only $112.00.  I am happy to report our finds.   On March 17, 2016, you charged $300.00 to your DentalFirst Financing credit card account.  On May 2, 2016, the amount of $188.00 was returned as a credit to your DentalFirst Financing credit card, due to you not returning for the remaining treatment.  The remaining amount owed was $120.00 after the credit.   Due to not receiving any additional payment toward your account balance of $112.00, your account has accrued late fees and interest charges.  As of the date of this letter, the account balance is $364.82.   Bank records indicate your DentalFirst Financing credit card account is three billing periods past due.  Please note, should an account exceed six consecutive billing periods past due, the account would be permanently closed and written off, due to non-payment, and reported to the national credit reporting agencies as an unpaid debt.   I hope the information I provided is helpful.  Should you have any further questions or concerns about the account, please contact me at ###-###-####.             Sincerely, Kristina W[redacted]

Dear [redacted]:We received your complaint, addressed to the Revdex.com, regarding the abovereferencedaccount. Comenity Capital Bank issues Motorola credit accounts, and we are hereto help with account-related questions. Your complaint was forwarded to my attention, and...

Iappreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on June 9, 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

.....Please see attached response...

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My Place Rewards credit card. We are here to answer your questions and assist with your concerns.   We understand from your correspondence that you received a...

statement for $157.00 for a transaction for $26.04 made in March 2017, and for fees. You state that you are unaware of the purchase. You did not receive a statement for the original $26.04 or any others imposing the late fees, only the statement for $157.00. You attempted to reach out to the Bank via mail and phone and you were advised to pay the $157.00. You further state you advised a supervisor that you would pay the $26.04 and to waive the late fees.   We have reviewed the concerns in your correspondence and would like to provide you with the following information. Please note that the billing statements were issued via mail and the Bank has no record of any correspondence being returned as undeliverable.   Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card Agreement.   A billing statement was issued June 9, 2017, with a balance and minimum payment of $26.04 due by July 5, 2017. As no payment was received by the due date a late fee and finance charge were assessed to the balance. A billing statement was issued July 10, 2017, with a balance of $54.08 and a minimum payment of $29.04 due by August 5, 2017. As no payment was received by the due date a late fee and finance charge were assessed.   Additional billing statements were issued August 10, 2017, and September 9, 2017, and as no payments were received additional late fees and finance charges were assessed.   The Bank received your dispute which indicated that you received a billing statement with a balance of $119.19 and when you contacted the Bank you were advised it was for a purchase that was made for $26.00 and for fees. You stated that the $26.00 was unauthorized activity and requested that the matter be reviewed and to waive the pending charges. During the Bank’s investigation a provisional credit was applied to the account for the $26.04 and finance charge of $3.82. Upon completion of your dispute you were issued a letter, which informed you that The Children’s Place provided a copy of the signed receipt for the two pairs of denim jeans and pair of boots. A copy of the receipt was also enclosed. As such the balance was found to be valid and the provisional credits were reversed.   A billing statement was issued October 10, 2017, with a balance of $157.62 and a minimum payment of $27.00 due by November 5, 2017. On October 16, 2017, a late fee was credited to the account in the amount of $36.04.   Although the balance is valid, in the interest of customer service, we have issued additional credits for the previously assessed Bank fees totaling $95.54 to bring the balance to $26.04. Please remit the payment of $26.04 by due date November 5, 2017.   Additionally, as a courtesy, notification has been sent to the credit reporting agencies, regarding the above-referenced account, with instructions to remove the negative payment information from your credit bureau report. Please allow up to 45 days for the credit reporting agencies to update their records.   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,  [redacted] Compliance Dept. – Consumer Responses   cc: Revdex.com

Dear Ms. [redacted] Thank you for your inquiry, addressed to theRevdex.com, regarding your My BJ’s Perks MasterCard® account.  Comenity Capital Bank issues My BJ’s PerksMasterCard® accounts, and we respond to all account-related inquiries.  Your complaint was forwarded to my...

attention,and I appreciate this opportunity to assist you.  We understand your concerns with the awardsprogram and not being able to earn awards unless you use the BJ’s PerksMasterCard®. Please accept my apology that you were notaware when signing up for the MasterCard that you would only receive awardswhen the MasterCard was used as the form of payment.  This is something that is not able to bechanged unless you choose to close your MasterCard and revert back to theRewards member status.  Please be aware, as an Elite member you earn5% back on any purchases made inside of BJ’s and you also earn $0.10 cents offthe gallon when using BJ’s gas stations. In the interest of customer service, I haveadded a $20.00 award to your account. We hope this information is helpful toyou.  Should you have any furtherquestions or concerns, please do not hesitate to contact me at ###-###-####,ext. [redacted] (TDD/TTY ###-###-####).                                  Sincerely, Justina M[redacted]Tell us why here...

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist withyour concerns.Your correspondence indicates the company does not make clear the policy...

on Flex-Buy purchases. Youfurther state that you have no flex-payment due, but your balance is an overwhelming amount.Please understand that Comenity Capital Bank and HSN are two separate entities. The Bank is responsibleto addressing questions related to the credit card account, while HSN is responsible for handling mattersrelated to sales, merchandise processing, returns, and shipping.HSN offers its customers the option of Flex Pay on certain purchases. When choosing the Flex Pay option,the customer can elect to have the purchase divided into as many as six equal payments. The customercan elect to have the purchase applied to an HSN credit card, or some other debit or credit card. Pleasenote that placing a purchase on a Flex Pay plan is optional, and is elected by the customer.Please be assured as of November 8, 2016, the HSN account was closed per your request. Although youhave closed your account, we hope you continue to shop with HSN.I hope you find this information to be helpful. Should you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####Sincerely,Shelley A[redacted]

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

I called Ms Mc[redacted] and we came to the agreement that more time is needed to resolve my issues. The time needed is 30 days and I'm in agreement with this time frame.
Regards,
[redacted]

Dear [redacted] We received your correspondence sent to the Revdex.com regarding an Orbitz Rewards Visa credit check, which was Comenity Capital Bank. Comenity Capital Bank issues Orbitz Rewards Vis credit cards. We are here to answer your questions and assist with your concerns. We...

understand that you are saying that an inquiry has been made on your credit report by Orbitz. You are asking that we provide you with a copy of any request submitted by you. Additionally, you would like to know how we got your social security number. We would like to help resolve the concerns you have. However, based on the information provided in your correspondence, we have been unable to locate any information for you in our system. In order to better assist you, please let us know where you see the credit check having been made. If the Bank is showing on your credit report, please provide us with a copy of the report so that we may further investigate your complaint. Once this information has been received, we will be able to more accurately address any concerns you may have. Please send this information to my attention at the address on the top of this letter. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Rosa M[redacted]

Comenity's reply does not answer my question as to how I became enrolled in "Blair vip plus" or why it wasn't cancelled when I did so by phone when I received the first statement regarding it or why when I look on line at "Blair vip plus" so many people have had the same experience I've had.  This appears to be a manner of scam.  When I look on line at Comenity bank customer reviews there is one star, this isn't very good is it?

The other option is by telephone and requires a fee. This company is trying to get fees from me one way or another. I don't see why I should have to pay extra just because they decide to shutdown their payment systems and make it dofffixulr for me to pay. This is a deceptive way to do business and I'm going to make sure all my friends and family know that this bank and ulta do business so underhandedly. I am simply asking for the other $15 due to me. 
Regards, [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 you believe you made a payment on March 2, 2015, in theamount of $200.00, but the payment did not post to your account. You contactedPayPal Credit and sent bank statements showing the March 2, 2015, ACH. PayPalCredit replied stating $200.00 payments were taken by ACH on February 27, 2015, andApril 8, 2015, these payments were reflected on your statements. You are requestingcredit for the $200.00 payment that was withdrawn from your bank account on March 2,2015.On June 1, 2015, PayPal Credit received your prior correspondence and copies of yourchecking account withdrawals. You stated that $200.00 was debited from your CENTchecking account on March 2, 201 5, by PayPal/Echeck[redacted] but the paymentwas not credited to your PayPal Credit account. In a letter dated June 2, 2015, youwere informed by PayPal Credit that your $200.00 payment posted to your account onFebruary 27, 201 5, and is reflected on your monthly statement dated March 11, 2015.Upon receipt of your present complaint, PayPal Credit submitted your account forfurther research. We found that on Friday, February 27, 2015, you scheduled a$200.00 payment to PayPal Credit through your PayPal account and selected your[redacted] checking account as your funding source. Payments arecredited to your PayPal Credit account on the date they are scheduled and this paymentwas scheduled for February 27, 2015.Please note the $200.00 payment did not clear your [redacted] checkingaccount until the following business day, Monday, March 2, 2015. PayPal Credit doesnot process payments on weekends or holidays, but you will receive credit for paymentsreceived on those days. As a result, this payment was credited to your account onFebruary 27, 2015. PayPal Credit's records do not reflect any payments scheduled onMarch 2, 2015, for your account; therefore, there are no outstanding payments to beapplied to your account.As of the date of this letter, your account is closed with a balance of $7,392.95. Yournext minimum payment of $1,064.96 is due by July 8, 2015.We hope this letter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses

I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,
[redacted] PS:  Thank you so much for solving my problem.  On March 31, finally I received a statement with a -0- balance.  This is the first time I file a complaint and I amvery thankful.   Thank you, thank you.

they really did not provide any resolution but more misleading words.  They did not even try st make an attempt to compromise.  i am still a very dissatisfied consumer.
Regards, [redacted]

Dear [redacted]:   We received your complaint, submitted to the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues MY BJ’S Perk’s World MasterCard® accounts, and we are here to assist with account-related questions.  Your...

complaint was forwarded to my attention, and I appreciate the opportunity to assist you.   We understand from the complaint that in April of 2016, someone applied for several accounts in your name.  You state there have been five fraudulent accounts opened with Comenity Bank.  You state that you reached out to the Bank numerous ways and sent the paperwork in by the middle of May, to confirm the purchases were fraudulent.  You state as of July 16, 2016, you received bills indicating you are responsible for these charges.  In addition, the Bank has posted that at least two of the accounts on your credit-report are past due.  We apologize for any frustration this matter has caused you.   Please be advised that fraud investigations can take up to 90 days to complete.  Please be assured our Account Protection (Fraud) team has closed your fraud case# 20160506-341 as of July 20, 2016.  The Bank sent you written notification as of this date, advising that a request was sent to the credit reporting agencies to remove the accounts in its entirety from your credit report.  Please review the enclosed letter.   Please feel free to contact our Account Protection team at ###-###-#### (TDD/TTY ###-###-####) with any questions or concerns and reference the case number above. They will be happy to assist you.   Sincerely, Kaija M[redacted]