Comenity Capital Bank

What Lauren S[redacted] is 100% WRONG!  I do not owe Comenity Capital Bank or HSN, Inc. $1,048.15 and I Lauren S[redacted] did NOT listen to any of my CALLS to Comenity Bank or HSN, Inc. because if she did then she would have HEARD HSN, Inc. VERIFY AND VALIDATE THAT THEY DID RECEIVE EVERY SINGLE ITEM BACK ON THE RECORDED LINE.  I have SPENT MONTHS NOW TRYING TO MAKE A GOOD FAITH EFFORT TO CORRECT THIS.  I have NOTHING, NOTHING TO LIE ABOUT.   The US Postal Service helped me track EVERY SINGLE PACKAGE BACK TO HSN, INC. AND THEY DID IN FACT RECEIVE THE ITEMS. I understand that Lauren S[redacted] and Comenity Bank are trying to not only STEAL MY MONEY AND CHARGE ME INTEREST ON ITEMS I SENT BACK AND DO NOT POSSESS, BUT THAT IS NOT GOING TO HAPPEN.  I HAVE MAILED A 2ND DISPUTE LETTER TO COMENITY BANK PRESERVING MY RIGHTS, Certified Mail. HSN, Inc. will NOT speak to me and I am unable to call because they closed my account, so Lauren S[redacted] and HSN, Inc. should TELL THE TRUTH about what they HAVE DONE TO ME AND MY FAMILY, THEY SHOULD BE ASHAMED!  I HAVE ALL OF THE US POSTAL SERVICE TRACKING INFORMATION SHOWING I RETURNED ALL OF THE ITEMS IN QUESTION.  I HAVE ALSO CONTACTED AND FILED A COMPLAINT WITH THE ** ATTORNEY GENERAL REGARDING THIS MATTER, AND I HAVE OPENED A 2ND COMPLAINT WITH THE OHIO ATTORNEY GENERAL.  Dear Revdex.com of Centeral Ohio, Inc., I WANT YOU TO KNOW AS A CONSUMER, I HAVE NEVER IN MY LIFE EXPERIENCED DISRESPECTFUL COMPANIES LIKE THIS, NEVER.  AND I WANT YOU TO KNOW THAT AS A CONSUMER WHO IS TELLING YOU THE TRUTH ABOUT EVERYTHING I HAVE STATED AND COMPLAINED ABOUT IS 100% TRUE AND I WANT TO THANK YOU FOR CONTINUING TO HELP ME.  I have ALL of the Invoices, Tracking Information the US Postal Service gave me, so maybe now Lauren S[redacted] can mail me what she is stating she has that she and her contact at HSN, Inc. have.  The US Postal Service is not going to give Verification that HSN, Inc. signed for the packages and did in fact receive the items I sent back.  For the 50th time, I SENT THE ITEMS BACK TO HSN, INC. IN PRISTINE CONDITION.  HSN, INC. HAS THE ITEMS I SENT BACK, AND I HAVE NOTHING, WHY IN GOD'S NAME WOULD I EVER PAY FOR ITEMS I DON'T POSSESS.  THIS ENTIRE SITUATION IS CONVALUTED AND FALSE.  Lauren S[redacted] is NOT representing Comenity Capital Bank or Me, a Consumer who pays on time, who is an HONEST PERSON, Lauren S[redacted] and whoever her HSN, Inc. partner is, should BE ASHAMED OF THEMSELVES, what if the SHOE WAS ON THE OTHER FOOT? What if this HORRIBLE NIGHTMARE WAS HAPPENING TO THEM, what would they do? and they knew that THEY WERE BEING WRONGED AND DISRESPECTED AS AN HONEST PERSON WHO HAS TRIED IN GOOD FAITH TO HAVE THIS CORRECTED, THAT IS WHAT I HAVE BEEN TRYING TO DO FOR OVER 3 MONTHS NOW.  I HAVE OUTSTANDING CREDIT AND I CAN TELL YOU, LAUREN S[redacted] AND HER PARTNER IN CRIME AT HSN, INC. WILL NEVER DESTROY MY CREDIBILITY OR MY CREDIT.  I DO NOT OWE $1,048.15 TO NO ONE!  I KNOW WHAT I OWE.  I AM DISPUTING THIS UNTIL IT IS FIXED AND I AM WORKING WITH ALL OF THE ATTORNEY GENERAL'S REGARDING THIS SITUATION.  I HAVE GIVEN THEM ALL THE PROOF.   AND FOR THE 50th TIME, HSN, INC. WILL NOT ACCEPT ANY CALL FROM ME, WHICH LAUREN S[redacted] CONTINUES TO STATE, SHE KNOWS THIS, SO SHE DOES NOT NEED TO CONTINUALLY STATE AT THE END OF HER LETTERS THAT ALL I HAVE TO DO IS CALL HSN, INC. IT'S A LIE, AND NO ONE, I KNOW I DON'T LIKE LIARS.I AM REJECTING THE MESSAGE LAUREN S[redacted], AGENT FOR COMENITY CAPITAL BANK SENT TO YOU. I WOULD LIKE TO APOLOGIZE TO THE Revdex.com OF CENTRAL OHIO, INC. FOR THIS HORRIBLE NIGHTMARE that COMENITY BANK CONTINUES TO WRITE TRYING TO HAVE YOU BELIEVE THAT I, THE CONSUMER IS NOTHING LESS THAN A PIECE GARBAGE, THEY ARE DEAD WRONG AND LAUREN S[redacted] NEEDS TO GO STOP TREATING CONSUMERS LIKE MYSELF WHO HAVE STUCK BY COMENITY BANK, PAY WHAT IS OWED ON TIME EVERY MONTH, IT'S DISGRACEFUL, AND THE ONE TIME, ONE TIME I NEEDED COMENITY BANK'S HELP, I END UP WITH LAUREN S[redacted] AND HER PARTNERS IN CRIME AT HSN, INC.  I CAN TELL YOU THAT I ABSOLUTELY BELIEVE IN KARMA.  I ALSO WANT TO THANK YOU Revdex.com OF CENTRAL OHIO, INC. FOR HELPING ME AND NEVER GIVING UP ON ME, THANK YOU SO MUCH FOR BELIEVING ME, THANK YOU.  YOU HAVE NO IDEA WHAT THAT MEANS TO ME AFTER READING THE LIES LAUREN S[redacted] PROVIDES, IT IS VERY SAD THAT THEY CAN'T STEP BACK AND SEE THAT THEY ARE WRONG.  AGAIN, I AM REJECTING LAUREN S[redacted]'S RESPONSE, IT IS NOTHING BUT LIES.  I KNOW WHAT I DID, AND I HAVE PROOF WHAT I DID, AND I HAVE TRIED FOR OVER 3 MONTHS AS A GOOD FAITH EFFORT, HAVING MY POOR FAMILY SEEING THIS NIGHTMARE CONTINUE WHEN ALL I DID WAS ASK FOR HELP FROM COMENITY BANK.   I HAVE TRIED AND TRIED TO MAKE A GOOD FAITH EFFORT TO RESOLVE THIS AND I KNOW MY RIGHTS, AND I CAN PROVIDE ANY TRACKING I AM ASKED FOR.  HSN, INC. RECEIVED EVERY SINGLE ITEM BACK AND MY MOTHER WAS WITH ME AT THE POST OFFICE HELPING ME RETURN THE PACKAGES. AND WHOEVER IS DOING THIS TO ME AT HSN, INC. IN THE WAREHOUSE NEEDS TO GET CAUGHT AND NEEDS TO KNOW I AM NO ONES SCAPEGOAT!  I AM AN HONEST PERSON AND NO ONES SCAPEGOAT. LAUREN S[redacted] AND COMENITY BANK ARE ALLOWING HSN, INC. TO CONTINUE POSTING INVALID CHARGES TO MY CHARGE ACCOUNT, THIS NEEDS TO STOP IMMEDIATELY, I HAVE HAD ENOUGH, STOP THE INVALID CHARGES IMMEDIATELY.  I DO NOT OWE THESE CHARGES AND I HAVE DISPUTED THEM FROM THE START, WHEN WAS LIED TO ON THE RECORDED LINE, STATING BY BOTH HSN, INC. AND COMENITY BANK THAT THEY DID IN FACT RECEIVE MY ITEMS AND THEY TOLD ME THE DATES THEY RECEIVED THEM AND THAT I WOULD BE CREDITED WITHIN 3-5 BUS. DAYS AND FOR ME TO JUST HANG IN THERE FOR A COUPLE MORE DAYS.   WHAT DID I END UP, A NIGHTMARE.  NO ONE LIKES LIARS, NO ONE, ESPECIALLY ME.  LAUREN S[redacted] CAN SAY WHATEVER SHE WANTS BUT I KNOW WHAT I DID, I KNOW THE TRUTH, I KNOW HSN, INC. RECEIVED MY ITEMS, THEY TOLD ME THEY RECEIVED THEM ON THE RECORDED LINE, AS WELL AS, COMENITY BANK.  I HAVE NO IDEA WHY LAUREN S[redacted] WHO WAS NOT ON THE PHONE WITH ME, WHY SHE IS SWEEPING RECORDED CALLS UNDER THE RUG, WHY? IS SHE RECEIVING COMMISSION FOR EVERY PERSON SHE HURTS ALONG WITH THEIR FAMILIIES? WHY?  WHY?  IF SHE IS TRYING TO STEAL MY MONEY ALONG WITH HSN, INC., ALONG WITH CHARGING ME INTEREST FOR NOTHING, NO ITEMS, HSN, INC. HAS THE ITEMS, LAUREN S[redacted] AND HSN, INC. HAVE GOT TO BE OUT OF THEIR MINDS.  $1,048.15 WORTH OF ITEMS JUST DISAPEARED OFF THE FACE OF THIS EARTH, DISAPPEARED NEVER TO BE SEEN AGAIN, LET'S JUST BLAME THE CONSUMER WHO PAYS HER BILL EVERY MONTH, LETS JUST BLAME HER, WHO CARES IF SHE HAS PROOF, TRACKING, HAVE HURT HER AND HER FAMILY.   WOW!  WHO IS LAUREN S[redacted]?  SINCE SHE IS NOT MAKING ANY EFFORT TO HELP ME, TO STAND BEHIND ME, AND TO CHARGE ME $1,048.15 PLUS INTEREST ON ITEMS THAT WERE MAILED BACK TO HSN, INC. WITH TRACKING, I DON'T KNOW LAUREN S[redacted] AND I DON'T WANT TO EVER KNOW LAUREN S[redacted], SHE HAS DONE NOTHING BUT WASTE MY TIME, MY FAMILY'S TIME WRITING RIDICULOUS LETTERS FULL OF LIES AND SHE GETS PAID TO DO IT.  I HOPE LAUREN S[redacted] CAN RESOLVE THIS, AND IF SHE CAN'T I KNOW MY RIGHTS, I HAVE NEVER DISPUTED ANYTHING IN MY LIFE, NOTHING EXCEPT FOR THIS NIGHTMARE, I HAVE TRIED IN GOOD FAITH TO RESOLVE THIS, I CANNOT BELIEVE HOW FAR COMENITY BANK HAS TAKEN THIS.  DOES LAUREN S[redacted] OWN COMENITY BANK, IS THERE SOMEONE WHO CAN RESOLVE THIS OTHER THAN LAUREN S[redacted]. I HAVE SENT A 2ND DISPUTE IN WRITING TO COMENITY BANK VIA CERTIFIED MAIL, AS WELL AS, ALL ATTORNEY GENERALS AT THIS POINT ALSO VIA CERTIFIED MAIL AND I WAS ASKED TO ATTACH ALL TRACKING DOCUMENTS THE US POSTAL SERVICE PROVIDED ME. THANK YOU AGAIN Revdex.com OF CENTRAL OHIO, INC. FOR BELIEVING IN ME AND FOR GOING ABOVE AND BEYOND HELPING ME AND PLEASE STAND BY ME, PLEASE UNTIL THIS IS RESOLVED.  I AM AN HONEST PERSON AND WOULD HAVE NEVER IN MY CONTACTED SO MANY AGENCIES FOR HELP.  I NEED HELP, I TELL MY SON TO ASK FOR HELP IN SCHOOL AND NOT TO BE ASHAMED.  NOW IT'S MY TURN, I NEED HELP AND I NEED YOU TO BELIEVE WHAT I HAVE CONTACTED YOU ABOUT, THIS NIGHTMARE.    THANK YOU SO MUCH.  THANK YOU!  I WILL SCAN AND SEND YOU ATTACHMENTS IN THE MORNING.
Regards, [redacted]

I have offered the bank my SSN and other information that they have requested. IF it is necessary I am willing to send them the information again. My SSN [redacted]The account numbers I am showing on my credit report:[redacted] (I am unable to see last four digits, opened on 6/14/2015) - this account is showing $1,758 &[redacted] (opened 5/14/2015) for $ 886Unfortunately, I am not able to contact the company via phone because it is very costly to call overseas.I would be grateful to have some type of email contact on person who can help me to resolve this issue.Thank you again for all your assistance in this matter.

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Forever 21 credit card. We are here toanswer your questions and assist with your concerns.Your correspondence advised you made a $29.00 payment in the store on July 17, 2017, but yourminimum payment was $34.00. You do not believe any other fees should be assessed since youraccount was closed on June 6, 2017.Please note that the terms of the Credit Card Agreement are still in effect, even if the credit cardaccount is closed. This means late fees and finance charges may be assessed in accordancewith this agreement.Your June 2017 billing statement had a balance of $29.00 with a minimum payment of $27.00due by July 4, 2017. Since the $29.00 payment was made on July 17, 2017, after the due date, alate fee and finance charge were assessed.Your July 2017 billing statement was mailed prior to receiving the $29.00 payment, and reflecteda balance of $58.00 with a minimum payment of $34.00 due by August 4, 2017. As of the date ofthis letter, your balance is $29.00 with a minimum payment of $5.00 due by August 4, 2017, whichrepresents the July minimum due of $34.00 minus your $29.00 payment.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Kelly T[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Regards,[redacted]

Dear Ms. [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced account.  Comenity Bank issues LANE BRYANT credit card accounts, and we are here to assist with your account-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 received a statement on April 23, 2016, indicating that you had a balance on the above-referenced account of $49.06.  You also state that your December statement indicated a balance of $584.61.  On December 28, 2015, you made a payment of $184.61, and on January 20, 2016, you made another payment of $400.00.  You are requesting to have the fees removed, the account closed, and your credit file updated to reflect no delinquencies.  I am happy to share my findings with you. After a thorough review of the account, our records indicate a statement was issued to you on December 16, 2015, with a balance of $584.61 and a minimum payment of $29.00 due on January 11, 2016.  A payment of $184.61 was received on January 1, 2016; thank you for this payment. On January 16, 2016, a statement was issued to you with a balance of $411.35 and a minimum payment of $25.00 due on February 11, 2016.  The $411.35 balance is comprised of $400.00 that remained plus a finance charge of $11.35.  A payment of $400.00 was received on January 20, 2016; thank you for this payment.  On February 14, 2016, a statement was issued to you with a balance of $13.35 and a minimum payment of $13.35 due on March 11, 2016.  In accordance with our Credit Card Agreement (CCA), a finance charge will be assessed to the account when the full balance is not paid by the due date.  Enclosed is a copy of the CCA and the statements mentioned above for your records. Although we found no billing errors on the Bank’s part, as a courtesy, credits totaling $49.05 have been applied to the account which will create a credit balance of $49.05 on the account.  A refund check in this amount will be mailed to you under separate cover.  Please allow 7 to 10 business days for the check to arrive.   Additionally, notification has been sent to the national credit-reporting agencies with instructions to delete the negative payment history from your credit report, regarding the LANE BRYANT account.  Please allow the credit-reporting agencies 45 days to update their records.                                                                                                   Per your request, the account was closed on April 26, 2016. 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 account, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely,                                                                                                        Renee S[redacted]

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced credit card account. Comenity Capital Bank issues the David’s Bridal credit cards. We are here to answer your questions and assist with your concerns.Your complaint states that you paid the...

balance on November 11, 2016; due date of November 13, 2016. You claim the Bank posted the payment on November 15, 2016, and charged you two late fees; another one soon. You asked that the late fees be refunded and we declined. You again, request the account to reflect paid in full and you want no negative marks on your credit report.Bank records indicate that a statement was issued to you on October 18, 2016, reflecting a balance of $492.09, and a $27.00 minimum payment due on November 13, 2016. Your payment, in the amount of $492.09 posted to the account on November 15, 2016; after the due date. Therefore, a late fee was charged to the account.A statement was issued to you on November 17, 2016, reflecting a balance of $27.00, and a $27.00 minimum payment due on December 13, 2016. Payment was not received and the account was charged a late fee.A statement was issued to you on December 18, 2016, reflecting a balance of $56.00, and a $32.00 minimum payment due on January 13, 2017. Payment was not received and the account was charged a late fee.The Bank processes payments when received and your payments above were sent electronically by your financially institution, which can take 5-7 days to be received.Additionally, 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.As a courtesy, we removed one late fee, totaling $37.00 on January 8, 2017. We are unwilling to remove any additional late fees assessed to the account.Please be assured that no negative payment information was reported to the credit bureaus.As of the date of this letter, the account balance is $27.00, and the next payment of $27.00 is due on February 13, 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,Shawnda Y[redacted]

January 31, 2017     [redacted]
[redacted]
[redacted]
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*     RE:      [redacted]...

            Revdex.com Complaint ID: 11949058   Dear [redacted]:   Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns.   We understand your concerns regarding the late fees applied to your [redacted] account, and we sincerely apologize for any frustration or inconvenience this matter may have caused you.   After a thorough review, our records indicate the payment due date on your [redacted] account is the 28th of every month. 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.   Please be assured Comenity Bank processes conforming payments the same day they are received.  A mailed conforming payment is one that includes a personal check, money order, traveler’s check, or cashier’s check payable in U.S. dollars. Write your account number on the payment, include the remittance stub; but do not attach the payment to the stub, and do not include any additional correspondence.  Mail the payment in the remittance envelope provided with the statement.  Non-conforming payments are opened, dated and processed within five days of receipt.   Although there were no Bank errors, in the interest of customer service, we issued credits totaling $40.00 for the previously assessed fees.   A refund check should arrive to your home within 14 business days for the amount of $40.00.   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,       [redacted]
[redacted] Tell us why here...

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the HSN credit card. We are here to answeryour questions and assist with your concerns.Your complaint states that you placed an order with HSN and the purchase was placed...

on theHSN credit card, instead of your debit card. You further state that you contacted the Bank andadvised that you did not want the purchase placed on your HSN account. However, you wereadvised that the charge was already placed on the HSN account, and you are responsible for thepurchase. Furthermore, you state that you are willing to pay for your purchase; however, you areunwilling to pay any late fees. You are requesting that the Bank remove the late fees and updatethe information on your credit bureau report.Your account was opened on February 2, 2016; use of the account or failure to close the accountwithin 30 days of receiving the CCA indicated your acceptance of the terms of the Agreement,including the assessment of any finance charges and fees. The last purchase of $23.90 was madeon February 2, 2016 and the last payment of $36.00 was received on August 17, 2016. Youraccount was written off on March 22, 2017, with an unpaid balance of $360.19. Furthermore, youraccount was later sold to [redacted] on June 21, 2017. After reviewing our records, we havefound the credit reporting for your account to be accurate as a “Charge-off” that was purchasedby another entity.When an account is sold to another entity, the outstanding balance from the former creditorbecomes zero. Since your account was sold, we are reporting a zero balance owed to ComenityCapital Bank as of the date of the account transfer. Your account will continue to show it wascharged off, even after the balance is adjusted to zero, since the account balance was not paidto the Bank. The date an account is sold does not affect the length of time for which the debt isreported to the credit reporting agencies. Delinquent accounts generally will report for seven yearsfrom the date the account first became delinquent (not from the date of sale or date of last activity). Please note that the purchasing entity may begin to report your account under its name as thenew creditor, so it is possible for your account to appear on your credit report under both theoriginal creditor (with a zero balance) and the new creditor.For any additional information about your account, you will need to contact [redacted] at **###-###-####.We are required by law to report factual data to the credit bureaus with regard to account activity.At this time, we find no errors in our reporting of your account to the credit reporting agencies. Inaddition, the Bank did not find any billing errors and find that the late fees assessed to youraccount are valid. Therefore, we are unwilling to waive the late fees.Sincerely,J[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

Dear Ms. [redacted]We received your complaint submitted to the Revdex.com regarding the above-referenced account.As the bank that issues Blair credit card accounts, we respond to all account-related questions. Yourcorrespondence was forwarded to my attention, and I appreciate the...

opportunity to respond to your concerns.We understand from your complaint that you had a balance of $51.37 on your Blair account. You sent acheck for this amount, in a timely manner, believing your account was paid in full. You later received astatement for a balance af $50.00, including a returned payment of $30.00 and a returned payment fee of$20.00. You called your bank and received confirmation you were not overdrawn. You then called ComenityCapital Bank and you were not satisfied with the results. You would like the $50.00 taken off of your bill, and tohave a zero balance.Thank you for speaking with me on August 4, 2015, Per our conversation, the payment processed viatelephone on June 17, 201 5, for 530,00 was returned to us as "unable to locate". This will occur if an incorrectrouting or account number are provided or mis-keyed. Additionally, please understand, if incorrect accountinformation is entered, your financial institution would have no record of the payment, This payment wasdebited back to your account, along with a $20.00 returned payment fee.In the interest of customer service. I have issued credit for the returned payment fee of $20.00, as a one-timecourtesy. I have also issued credit for the previous $15.00 pay by phone fee.Your payment of $15.00 was processed on August 4, 2015, and, as of the date of this letter, your account isopen with a zero balance.Additionally, the Bank has reviewed the issues in your complaint, as well as the applicable phoneconversations. We apo!ogizs if you felt that you did not receive the best customer service. It is never the Bank'sintention to treat our customers in a less-than-satisfactory manner. Comenity Capital Bank is committed toproviding the best customer service and is disappointed when a customer feels that this standard was not met.I hope you have found this information to be helpful. Should you have any additional questions, please do nothesitate to contact me at ###-###-####, ext.. [redacted] (TDD/TTY ###-###-####) I would be happy toassist you.Sincerely,Amanda R[redacted]

I have paid the entire balance off and my credit report is still showing the delinquent balance and being in collections amount. This violates the Fair Credit Reporting Act because Comenity has failed to properly correct inaccurate data. I am requesting that the collection agency be updated immediately to have the collections removed from my credit report. I am also in the process of contacting the FTC due to Comenity violating the Fair Credit Reporting Act and my attorney will be proceeding with filing a lawsuit for damages. Furthermore, I like to notate that Comenity has also violated the Revdex.com regulatory guidelines by failing to make any contacts using all resources provided. I work in regulatory compliance and am aware of the legal required number of contact methods that all companies must follow in order to meet the Revdex.com regulatory guidelines. The fact that Kaija M[redacted] failed to meet these obligations is profound. So no I do not find this information to be helpful because Comenity has done nothing but state their policy and failed to act accordingly to with addressing the concerns.

There isn't any sort of break or compensation given for the damages caused? So there was a mistake made and my personal information was given out without my permission, that is illegal.  Also I have never provided my parents information so how was that obtained?  You just search my name and call every number that comes up with my name and give out my personal information to whoever it is?  What if I had a more common name how many people would have this information without me even being aware?  Also the harassment that was inflicted for an account that was a week late.  I received multiple calls a day from March 2nd thru March 10 along with the multiple calls my parents received even after they had already spoken with you and told you that you had the wrong person.  This is also illegal.  I am under an extreme amount of stress financially and to have this done to me for being a week past due I feel is extremely unfair and abusive.Regards, [redacted]

Dear [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced 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 you are being charged for fees that you did not agree to.  You further state that as a result, your credit report has been affected.  You are requesting to have the charges removed, and your credit report corrected.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.    We have reviewed our records, and we are happy to share our findings. Please understand that Comenity Capital Bank and Haband are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.  We contacted Haband, on your behalf, and they confirmed that you enrolled in the Haband VIP Plus program during an online purchase of Haband merchandise made on March 31. 2015.  Haband VIP Plus is an optional service that is offered through Haband.  This program offers a special introductory price of $1.99 for the first 30 days, and if the consumer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the Haband account each month.  Cancellation may be made at any time with no further obligation. Bank records indicate the Haband credit card account was charged for six Haband VIP Plus monthly membership fees at $14.97 each, and one introductory charge of $1.99.      Please be assured, the Haband VIP Plus membership was cancelled on November 11, 2015, and credits totaling $91.81 were issued by Haband to remove the previously accessed Haband VIP Plus monthly membership fees, as well as the introductory fee.  In the interest of customer service, the Bank has issued additional credits totaling $64.47.  These credits create a credit balance of $44.91 on your account.  Because the account has a credit balance, we have requested for a refund check of $44.91 to be sent to you.  Please allow 14 days to receive the refund check, as it will be sent by separate mailing. Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report.  Please allow the credit-reporting agencies 45 days to update their records. The Haband account was closed, at your request, on October 9, 2015. We hope you find this information helpful.  If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Laura R[redacted]

Dear [redacted]:We received your complaint regarding the above-referenced credit card account. Comenity Capital Bankissues My Smile Care credit accounts, and we respond to all account-related inquiries. Your complaintaddressed to the Revdex.com was forwarded to my attention, and I...

appreciate this opportunityto respond to your concerns.We understand that you are experiencing financial difficulty and you are waiting for your income tax tomake payments on your account. You are proposing a settlement of 30%. Furthermore, you arerequesting that the collection calls you are receiving stop. We apologize for any frustration orinconvenience this may have caused you.We have reviewed the My Smile Care account, and Comenity Capital Bank has updated the status of theaccount to ensure that are no longer called on the telephone number ending in 9502, 4500 and 8378.However, you remain responsible for the balance on the above-referenced account. Please keep in mindthat the Bank may contact you by mail or service of court filing.Please be advised that the balance on your account is $2,014.27. In addition, on November 23, 2015,your My Smile Care credit account was permanently closed, and reported to the national credit-reportingagencies as an unpaid debt due to non-payment.We are unwilling to accept your settlement offer as outlined in your complaint dated February 8, 2016.At this time, we ask that you contact our Recovery Department at ###-###-#### to discuss a paymentplan.We hope this information is helpful. Should you have any additional questions or concerns, pleasecontact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assistyou.Sincerely,Jenny W[redacted]

We received the correspondence you sent to the Revdex.com (Revdex.com) regardingPayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. ThePayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill MeLater, Inc. PayPal Credit is a payment option made...

available by many merchants to theircustomers.Your correspondence states you purchased a red dress using your PayPal Creditaccount, but when you received the dress, it was pink. You state the seller would notallow you to return or exchange the item, so you filed a dispute through the PayPalResolution Center. Your dispute claim was denied, so you appealed the decision. Yourappeal was also denied because the dress was deemed wearable even though it waspink. You are requesting a credit for the transaction since you were unable to wear thedress.We reviewed the concerns noted in your correspondence and would like to provide youwith the following information. PayPal Credit’s records reflect on October 6, 2016, apurchase in the amount of $113.49 from [redacted] ([redacted] Boutique) postedto your account. On October 26, 2016, you disputed this transaction, stating you receiveda dress that was not the correct color. PayPal Credit reviewed your dispute, and onNovember 22, 2016, notified you by email your dispute was declined because “[i]f an itemis materially similar to the seller's description, we do not consider it to be significantly notas described.”On November 23, 2016, you filed an appeal to your dispute which was again reviewedand denied. On December 13, 2016, you received an email stating, “based on themerchant’s response and the information we have to date, this case will be found in themerchant's favor for the following reason: Color of dress does not affect value orwearability.” Upon receipt of your correspondence, PayPal Credit reviewed the prior disputes on yourbehalf, and identified the disputes were not properly resolved. As a result, PayPal Creditissued a credit in the amount of $114.88 to your account. This credit will appear on yourstatement dated February 25, 2017. We apologize for any frustration you experiencedrelated to this matter.We hope this letter explains and resolves this matter.Sincerely,

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 3 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]

Dear Ms. [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Capital Bank issues Toyota Rewards credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to assist you. As indicated in the previous response dated November 8, 2015, the Bank received your application and you were approved for the Toyota Rewards credit card account. We have enclosed a copy of our previous response for your review. Please note, Comenity Capital Bank’s application processing has predefined qualifications which determine whether a customer qualifies for the Toyota Visa or Toyota Rewards credit card; as such this does not guarantee every applicant  the Toyota Visa credit card. The email you received stating approval of the Toyota Visa account was sent in error. Although you did not receive the Toyota Visa credit card, we want to assure you that you will have the opportunity to enjoy the benefits of being a Toyota cardholder. Some of the benefits are 5 reward points per every $1.00 spent in dealerships, unlimited points with no expiration, and redeeming your points for cash back in the form of a statement credit, gift cards, travel or merchandise. The Toyota Rewards Program is provided by Comenity Capital Bank which is solely responsible for the Program operation, including all rewards. Comenity Capital Bank may change the terms of the Program at any time. See www.comenity.net/toyuotarewardscreditcard for Rewards Terms and Conditions. We hope this information is helpful. Should you have any further questions or concerns, please contact me at ###-###-####, extension [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerley, Shelley A[redacted]

Dear Mr. [redacted]:  We have received your recent complaint, sent to the Revdex.com, regarding the above-noted accounts.  Comenity Bank issues each of the accounts listed above, and we are here to help answer your...

questions.  I appreciate the opportunity to assist you.  I understand your concern regarding the closure of the above-mentioned accounts, and that you are requesting we restore your Limited and New York & Company accounts.  I apologize for any frustration or inconvenience you have experienced as a result of this matter.  Please understand that our Account Protection Team monitors all open accounts using pre-determined, proprietary risk scoring models.  During a recent review, your accounts were closed until further verification could be obtained from you.  Unfortunately, the Bank was unable to verify your identity during a telephone verification call.  As such, each of the above accounts was closed.  You will continue to receive a monthly billing statement for each account until any balances are paid in full.     We hope you find this information to be helpful.  Should you have any further questions regarding your accounts, please contact the Account Protection Team directly at ###-###-#### (TDD/TTY ###-###-####).  They will be happy to assist you.  Sincerely,  Melissa L[redacted] _____________July 24, 2015     Dear Mr. [redacted]: We have received your recent complaint, sent to the Revdex.com, regarding the above-noted account.  Comenity Capital Bank issues the account listed above, and we are here to help answer your questions.  I appreciate the opportunity to assist you. I understand your concern regarding the closure of the above-mentioned account, and I apologize for any frustration or inconvenience you have experienced as a result of this matter. Please understand that our Account Protection Team monitors all open accounts using pre-determined, proprietary risk scoring models.  During a recent review, your account was closed until further verification could be obtained from you. Unfortunately, the Bank was unable to verify your identity during a telephone verification call.  As such, the above account was closed.  You will continue to receive a monthly billing statement for the account until the balance is paid in full.   We hope you find this information to be helpful.  Should you have any further questions regarding your account, please contact the Account Protection Team directly at ###-###-#### (TDD/TTY ###-###-####).  They will be happy to assist you. Sincerely, Melissa L[redacted]

Dear [redacted]:   Comenity Bank has received your correspondence regarding the above-referenced accounts.  Comenity Bank issues the EXPRESS, J.Crew, RediCard+® Visa®,  ANN TAYLOR, WILLAMS SONOMA Visa®, SPORTSMAN’S GUIDE™ Visa®, GANDER MTN.® MasterCard®, TOTAL REWARDS®...

Visa®, Coldwater Creek® MasterCard®, Overton’s® MasterCard®, and the VICTORIA’S SECRET credit cards.  We are here to answer your questions and assist with your concerns.   We understand from your complaint that you contacted the Bank regarding the closure of your accounts.  You state the Account Protection representatives were unable to answer your questions regarding the account closures, although you provided the required documents to reopen the accounts.  I am happy to share my findings.   Bank records indicate on October 31, 2016, you were advised via telephone to send in additional documents; front and back copy of a government issued photo ID, front and back copy of signed social security card, and a copy of a current utility bill or bank statement with your name and address on it.  Until the documents were received, utility of the accounts was temporarily suspended.   Please be advised that although the documents were received, we continued to have security concerns and due to this reason, the above-referenced accounts were permanently closed on November 18, 2016.  Letters were mailed to you providing you with this information.  Please be advised you are still required to pay any applicable balances on the accounts, per the Credit Card Agreements.   Please note, the Credit Card Agreement gives us the right to close an account at any time, for any reason.     We apologize for any inconvenience this matter has caused you.  I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely,   [redacted]

A credit of $510.00 is not sufficient due to the fact that I am being billed/charged for other services I have not received nor will I ever receive. How is it ethical to continue to bill and harass me when I was the one that has lost hundreds perhaps thousands of dollars already and still Comenity continues to bill me when American Skin Care Laser the company I signed up for these services has filed for bankruptcy. I just need to know if I should to get an attorney and file a law suit against Comenity Bank. So I can do so.
Regards,[redacted]

Dear [redacted]Thank you for contacting Comenity Capital Bank regarding the above-referenced account. Asthe bank that issues Lending Club Patient Solutions credit accounts, we are here to assist withaccount-related questions. I appreciate the opportunity to respond to your concerns.We have...

reviewed the account, and our records indicate that the Bank previously responded toyour complaint that a $500.00 payment was not credited to your account.On June 25, 2016, a response was sent to you advising you that we would need a copy of thecashed check to assist you. The documentation you provided does not provide us with sufficientinformation to determine who cashed the check. Please be advised that we have reached out to[redacted] regarding the check you sent into us and [redacted] could not determine if thecheck was cashed due to the amount of time that has passed.To better assist you, please provide a copy of your bank statement showing that the payment wasdebited from your bank account. I have enclosed a copy of our previous response for yourrecords.We apologize for any inconvenience or frustration this may have caused your client and hope thisinformation is helpful. Should client have any additional questions regarding the your account,please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would behappy to assist you.Sincerely,Jenny W[redacted]