Comenity Capital Bank

As I stated before, my bank said the check should have cleared.  I will let my dentist know that Comenity uses devious business practices and they shouldn't recommend them to their customers.  
Regards, [redacted]

December 23, 2016[redacted]
Dear [redacted]Comenity Bank has received your correspondence regarding the above-referenced creditapplication....

Comenity Bank issues [redacted]® credit cards. We are here to answer yourquestions and assist with your concerns.Your correspondence indicates an application was declined for a [redacted]® credit cardaccount, and you did not apply for a card.We understand your concern regarding the use of your personal information. Please be assuredthat no account was opened in connection with this application.If you believe you have been a victim of identity theft, or there was an attempted identity theftusing your identity, there are some steps we suggest you immediately consider taking if you havenot done so already:1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditorsto contact you before they open any new accounts or change your existing accounts. Todo this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well.[redacted]2. Identity theft is a crime. You can file a report with your local police or the police departmentin the community where the crime took place. Many police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detail.If the detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rights.3. You can go to the Federal Trade Commission website on identity theft:[redacted]. It contains additional information and will refer you to resources thatcould be helpful in dealing with your situation.Since you did not submit this application, notification has been sent to the credit reportingagencies to delete the inquiry associated with this application from your credit reports. This updateshould appear on your credit file within the next 45 calendar days.We apologize for any frustration or inconvenience this matter may have caused. I hope you foundthis information to be helpful. If you have any questions or concerns, please feel free to contactme at [redacted].Sincerely,[redacted]

no where on the email that I provided does it state Toyota Rewards Credit Card. It clearly states that I have been approved for the Toyota Rewards Visa and to expect my Toyota Rewards Visa packet in the mail within 7-10 days. iAnd Comenity Bank should honor this, because as I've advised - no where on the email does it state the Toyota Rewards Credit Card.  Now if Comenity Bank can show me exactly where on that email that it states that I have been approved for the Toyota Rewards Credit Card and not the Toyota Rewards Visa, I will be happy to close the complaint and if they cannot show me, then they need to honor the approval.Regards,[redacted]

Dear Ms. [redacted]We received your additional complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from the complaint that you believe you should be receiving a check for $25.00 plus the overpayments that you consistently pay. We understand your concerns and apologize for any frustration this matter may have caused.I attempted to contact you by telephone on April 22, 2016, and April 25, 2016; unfortunately my attempts were unsuccessful.We have reviewed your HSN credit card account, and have enclosed a table which outlines your statement activity from December 2015 through April 2016, including: purchases, payments, and bank fees assessed.Please be assured all payments received were applied in full to your account. Additionally, please be assured the late fee was credited in full for $25.00 on April 1, 2016; and a refund check of $25.02 was issued on April 18, 2016.We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Ashley R[redacted]

Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns. We understand from your correspondence, address to the...

Revdex.com, that you submitted a Revdex.com complaint to Haband regarding Haband VIP Plus which was cancelled. You state that you received a telephone message advising you to call on an urgent matter, and you thought this urgent message was in regard to the Revdex.com complaint with Haband. You reached out to the caller and found the call was from Comenity Capital Bank advising you that you had a late fee of $14.97 assessed to the account. You are requesting to have the late fee credited, the account closed, and the derogatory information removed from your credit file. Please be assured that credits totaling $16.59 were applied to the account for the late fee and finance charge assessed to the account due to this matter. Additionally, credits of $31.93 were applied to the account for the Haband VIP Plus that was assessed to the account. As of the date of this letter, the account has a credit balance of $1.61. A refund check in this amount will be sent to you in separate mailing. The account was closed on March 6, 2017, per your request. Please be advised that Comenity Capital Bank is not reporting derogatory information to your credit file. 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,                                                 Renee S[redacted]

I am requesting a December statement (less fraudulent purchases) reflecting the correct balance ofactual purchases totaling $1,839.85 per previous letter of 10/30.A December statement is being requested, as I have not had a response to the 10/30 letter, nor receiveda November statement. In fact, I've only received the previously requested statement for June; no othermonthly statements have been received. I do work, and simply do not have the ample time for all this communication.Thank you.Sincerely,[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues HSN credit card accounts. We are here to answer yourquestions and assist with your concerns.Your complaint states that you have been receiving phone calls regarding your...

account. Youfurther state you placed an order with HSN, returned the item within a week, yet you are stillreceiving late fees on your account. You are requesting the Bank issue credit to your account forthe previously assessed fees. I understand your concerns, and apologize for any confusion orfrustration this may have caused you.Please be advised, when the Bank’s records show that the full minimum payment amount duewas not received by the due date, the Bank will make attempts to contact you regarding the statusof the account. Many times a payment is overlooked by the customer, and a reminder call ishelpful to bring the account back to a current status.Our records indicate that a purchase of $41.61 for a Pocket Jump Starter posted to your accounton June 23, 2016, and a purchase of $17.37 for an HPP Electric 2 Year Replacement posted toyour account on June 27, 2016. A statement was issued to you on July 2, 2016, showing a balanceof $58.98 with a minimum payment of $25.00 due by July 28, 2016.Bank records further indicate that a credit of $17.37 for the HPP Electric 2 Year Replacementposted to your account on July 6, 2016. In addition, a credit of $33.66 for the Pocket Jump Starterposted to your account on July 6, 2016. This left a balance of $7.95 on the account which wasstill due by July 28, 2016.Please keep in mind, when ordering merchandise by mail, your credit card account is charged forthe cost of the merchandise as well as shipping and handling. When the merchandise is returned,your account is credited for the cost of the merchandise only; shipping and handling is notrefunded.Additionally, although you made a return, a minimum payment was still due on your account.Please be advised that return credits do not cancel out the minimum payment due on youraccount.The Bank continued to send you statements showing that your account still had a balance owingand minimum payment due. As a result of not receiving payments, late fees were assessed toyour account.Our records further indicate the Bank issued credits for two late fees that were previouslyassessed to your account. Comenity Capital Bank has not found any errors on your account andwe are unwilling to waive any additional fees, as they are valid.To provide the best customer service possible, we offer multiple ways to make a payment. Choosea payment method that's right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET), can be credited to youraccount the same-day. Online payments submitted after 8:00 p.m. ET will be credited thefollowing day (or on your future scheduled payment date). Please note that it may take up to twobusiness days to complete the financial transfer from your personal bank account to your HSNaccount.Mail: Send your payment and payment coupon in the envelope that came with your billingstatement. We recommend allowing a week for the payment to arrive. If you’re a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible. Please review the payments section on the back of yourstatement for additional information.Phone: If you need to make a same-day payment, you may call us at the phone number on theback of your billing statement before 8:00 p.m. ET to speak to a customer care representative. Afee 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 found this information to be helpful. If you have any further questions or concerns,please feel free to contact me at ###-###-####.

All I have is 2 sweater vest that were on sale at 5.97 each & then statements they want 272.80 - they keep adding interest & fees & items never ordered by me & charge for items that were returned yrs. ago to them. The bills from them keep going up & I only have 2 sweater vests Christmas ones that were on sale for 5.97 each. I've gotten no where with them. I've reported them to Consumer Protection & Revdex.com's (illegible word). I warned by home bound friends by mail to also no longer buy from those crooks!!! and mail man too.[redacted]

I am rejecting this response because:I do not understand what commenity bank is resolving . There are repeating same info in every letter a scripted response . 
Regards,
[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the Haband credit card. We are here to answeryour questions and assist with your concerns.We understand that you placed an order with Haband, that was returned. When...

contacting theBank the representative credited the late fee, and advised that you didn’t owe anything. You laterreceived a statement stating that you owe $2.00. You are requesting to have the $2.00 removed,and the account closed.We have issued credit for the $2.00 minimum charge assessed to the account due to a balancebeing present at the time of billing. This will be reflected on your next billing statement.The account was closed on August 15, 2017, per your request.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,Diamond L[redacted]Compliance Dept. – Consumer Responses

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

order for $100.00 on May 8, 2017; however, the Bank has not received your payment. Therefore, your account was assessed with late fees and interest. You further state you were able to confirm the money order has not been cashed yet. You advise when you contacted the Bank to explain the situation, the representative was rude, and refused to listen. You have never been late in the past; therefore, you request the late fees and interest charges be removed. Additionally, you want the money order replaced with a new one since you sent it out and are not at fault for it being lost. I understand your concerns and apologize for any inconvenience or frustration this may have caused you. We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. Our records indicate that on April 21, 2017, a statement was issued to you showing a balance of $163.99 with a minimum payment of $27.00 due by May 17, 2017. The Bank did not receive a payment by the due date; therefore, a late fee was assessed to your account. Please be advised the Bank is not able to replace your money order. We advise that you contact the customer service phone number provided on your money order receipt. Although the Bank did not find any errors, we have issued a credit of $27.00 to your account for the previously assessed late fee and have removed the associated finance charges. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at ###-###-####. Sincerely, [redacted] 
[redacted] Compliance Dept. – Consumer Responses

Dear Mr. [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 received a letter from PayPal about credit card use. Youhave never used PayPal. You are requesting a telephone number for service and anexplanation of the attempted credit.PayPal Credit's records reflect that a PayPal Credit account was requested in yourname on May 17, 2015, and on May 21, 2015. In order for an application to processwith PayPal Credit and an account to be opened, the individual must have providedyour name, date of birth, and the last four digits of your social security number. Inletters dated May 27, 2015, and May 31, 2015, PayPal Credit notified you of theseattempts via U.S. Mail. As explained in those letters, the attempts failed and an accountwas not set up in your name.Upon receipt of your complaint, PayPal Credit submitted a fraud report and theapplication in question was referred for investigation. After review, Pay Pal Creditdetermined fraudulent activity has been linked to the two applications submitted in yourname. Please note, no credit inquiry was made in connection with the attemptedapplications.PayPal Credit has noted your personal information in our system to prevent a PayPalCredit account from being opened in your name in the future. If you feel that you are avictim of identity theft, or there was attempted identity theft using your identity, pleasebe aware that it was unsuccessful in connection with this transaction. However, thereare some steps that we suggest you immediately consider taking:1. You have the right to place a fraud alert on your credit reports. A fraud alert tellscreditors to contact you before they open any new accounts or change your existingaccounts. To do this, you can contact any one of the consumer reporting companiesmentioned below. If you contact any one of them, the one you contact is required tocontact the other two to place an alert on their files as well.2. Identity theft is a crime. You can file a report with your local police or the police inthe community where the crime took place. Many police departments have a specialIdentity Theft Report, which is police report with more than the usual amount of detail, Ifthe detailed Identity Theft Report is available, we recommend that you obtain a copy inorder to protect your rights.3. You can go to the Federal Trade Commission website on identity theft atwww,ftc,gavlidtheft. It contains additional information and refers you to resources thatcould be helpful in dealing with your situation.Should you require additional information relating to the PayPal Credit accountapplication submitted in your name, you may submit a written request to the followingaddress, along with a copy of your current government issued photo identification:PayPal CreditAttn: Customer Security OperationsPO Box 501 8Timonium, MD 21094We hope this letter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Blair credit card. We are here to answeryour questions and assist with your concerns.We understand from your complaint that you are being harassed, you state that you...

returned theitems back to Blair and that the shipping and return were free. Furthermore you state that youreceived a billing statement stating that you still owed $10.00 for the return and $45.00 on thecredit card. You are requesting that the phone calls stop.We have reviewed your account, and we are happy to share our findings.Please note that Blair and Comenity Capital Bank are separate entities. The Bank issued and isresponsible for addressing questions related to Blair credit card accounts. Blair is responsible forhandling matter related to sales, merchandise processing, returns and shipping.When an account is delinquent, we will make proactive attempts to contact the customer,communicate the situation and work out payment arrangements to minimize any negative creditreporting. Many times a payment is overlooked, and reminder calls or payment discussions arehelpful to bring the account back to a current status.Blair’s VIP Plus program is an optional service offered through Blair. This program offers a specialintroductory price of $1.99 for the first 30 days, and if the customer does not call to cancel themembership within the first 30 days, the membership fee of $14.97 is automatically billed to theaccount each month. Cancellation may be made at any time with no further obligation.Our records indicate that the above-referenced account was charged for one Blair VIP Plusmembership fee at $14.97 and one introductory charge of $1.99. Blair has confirmed that yourBlair VIP has been cancelled and have refunded a total of $16.96. In the interest of customerservice, the Bank has issued additional credits totaling $95.62 to remove the previously assessedlate fees and finance charges.Although there are no Bank errors, in the interest of customer service, notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquency, with regard to your Blair account. Please allow the credit-reporting agencies 45 days 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 ###-###-####.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

Dear Ms. [redacted] We received your correspondence sent to the Revdex.com, which was forwarded to Comenity Capital Bank.  We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter.  Unfortunately, we are unable...

to locate the account you are referencing in your complaint based on the information provided.  In order to investigate your complaint, we request you provide us with your account number, copies of your billing statements, and/or a copy of your credit bureau report showing your account. Once this information has been received, we will be able to investigate your complaint further.  Please send this information to my attention at the address shown above. If you have any questions or concerns, please feel free to contact me at ###-###-#### ext. [redacted] (TDD/TTY ###-###-####).  I would be happy to assist you. Sincerely,  Renee S[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions and assist with your concerns.   You state your check in the amount of $2,417.00 was not...

posted to the correct account. This check was sent by Navy Federal Credit to Comenity Capital Bank. You are requesting to have the $2,417.00 credited to close the account as originally intended.          The Bank also received your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this same matter. Please find enclosed a copy of our response dated April 10, 2017.   Your account is open and is in good standing. If it is your intention to close the account, you may contact the Bank’s Customer Care team at ###-###-####, (TDD/TTY ###-###-####6).        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,   Laura R[redacted] Compliance Dept. – Consumer Responses   cc: Revdex.com   Enclosure

Consumer contacted Revdex.com stating received refund of $85.00 and considers issue resolved.

I have sent you receipts and I have returned the ring in June 2016. This is just like the other receipts and packages that you say you never received but I have tracking receipts  that show you received the product and receipts.  I am trying to resolve this so I can get to a zero balance with this credit card and my other ones.  How can we resolve this? 
Regards, [redacted]

Response to Consumer attached.

Dear Ms. [redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN credit cardaccount. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-relatedquestions. Your complaint was forwarded to my attention, and I appreciate the...

opportunity to assist you.We understand from your complaint that in June 2016, you purchased a hair product from HSN and placedthe charge on your HSN credit card. You state that you returned the purchase in July 2016, however; youhave been receiving collection calls and also late fees associated with the returned purchase. Furthermore,you are requesting that we remove the negative information reported to your credit report and adjust youraccount to reflect a zero balance. Additionally, you also request to have the collection calls stopped assoon as possible and close your HSN account. We apologize for any frustration or inconvenience thismatter may have caused you.Please understand that when the Bank's records show an account as delinquent, the Bank will makeattempts to contact you regarding the status of the account. Many times a payment is overlooked by thecustomer, and a reminder call is helpful to bring the account back to a current status. Due to potentialnegative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may callyou until our attempt to communicate is successful.After a review of the account we show that on August 16,201 6, HSN issued a credit to your account for theCarol's Daughter Hair product along with CD Detangle Replenish product. We can also advise you thatCornenity Capital Bank has reversed all the late fees and finance charges associated with the purchase.Although there were no Bank errors, in the interest of customer service, notification has been sent to thenational credit-reporting agencies with instructions to remove the delinquency reported for September 2016,with regard to your HSN account. Please allow the credit-reporting agencies 45 days to update theirrecords.Please be assured that the account has a zero balance, and has been closed as requested.Should you have any additional questions or concerns, please do not hesitate to contact me directly at 1###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Rosa M[redacted]

Dear [redacted]We recently received a complaint, addressed to the Revdex.com, regarding your Petland credit cardaccount. Comenity Capital Bank issues the above-referenced credit card account, and we respond to all accountrelatedinquiries. Your 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 dog. You reviewed different offers withthe store associate who advised you that the Petland credit card would offer a payment of $25.00 a month, so youdecided to get the credit card. However, 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 balance. The Credit Card Agreement (CCA), statesthat the minimum due repayment is 4% of the account balance. 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 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 entities. The 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 agencies. Your account is current as of the date of this letter. Please allow 30-45 business days for this toreflect on your credit report.Please be advised that your payment is due by the 7th of each month. The next payment will be due by October 7,2016. 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 helpful. If you have any further questions,please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).Sincerely,Diamond LongConsumer Relations SpecialistCC: Revdex.com