Comenity Capital Bank

We received your correspondence sent to the Revdex.com (Revdex.com) regarding PayPalCredit, which was forwarded to Comenity Capital Bank. The PayPal Credit product is issued byComenity Capital Bank (Bank) and serviced by Bill Me Later, Inc.Your correspondence states you made a purchase with...

Hotnessfeet using PayPal Credit but didnot receive your purchase. In addition, you were unable to reach the seller, and PayPal Credithas not issued a credit for this purchase. You are requesting a refund.PayPal Credit's records reflect your concerns were addressed in prior Revdex.com of Greater Marylandcorrespondence responses dated January 12, 2017, and January 27, 2017 (Case # [redacted]).PayPal Credit’s resolution remains the same as the tracking details show the item was deliveredon December 19, 2016, at 2:53 PM at the front door/porch (United States Postal Service trackingnumber [redacted]). As previously advised, if you have further questionsregarding the delivery of your purchase, or if you wish to further dispute the delivery of thispurchase, you will need to file a claim directly with the United States Postal Service or your localpost office for missing mail.Per your request on January 15, 2017, PayPal Credit closed your account. On January 20, 2017,and January 26, 2017, PayPal Credit received your payments totaling $295.18. As of February13, 2017, your account is closed with a zero balance.We hope this letter explains and resolves this matter.Sincerely,

Dear [redacted]:
We received
the inquiry you sent to the Revdex.com regarding the above-noted
accounts.  Your correspondence was
forwarded to


Comenity Bank. 


Comenity Bank issues the VICTORIA’S SECRET and LOVELOFT credit cards,
and we...

are here to help answer your questions. 
I appreciate the opportunity to assist you with your concerns.
We
understand from your complaint that Comenity Bank is randomly pinging your
credit due to outstanding debts.  You
further state that you would like to consolidate and settle the outstanding
debt and have these removed from your credit bureau report.  We apologize for any inconvenience this may
have caused you and would like to explain our findings.
Your
VICTORIA’S SECRET account was charged off due to non-payment on April 1, 2013,
and was later sold to Portfolio Recovery on May 21, 2014.  Your LOVELOFT credit card account was charged
off due to non-payment on February 1, 2015, and sold to Portfolio Recovery on
December 21, 2015.
When
an account is sold to another entity, the outstanding balance from the former
creditor becomes zero.  Normally, delinquent
accounts will report for seven years from the date the account first became
delinquent (not from the date of sale or date of last activity).  However, Comenity Bank sent notification to
the credit-reporting agencies to have your VICTORIA’S SECRET account deleted as
of November 17, 2015, and your LOVELOFT account deleted as of March 3,
2016.  Please allow 45 days for them to
update your credit report.
Please
note that Portfolio Recovery may begin to report your account under its name as
the new creditor, so it is possible for your account to appear on your credit
report under the new creditor.  However,
we do not know the reporting practices of Portfolio Recovery.
For
any additional information about your accounts, you will need to contact Portfolio
Recovery at ###-###-####.
                                        ...⇄
Sincerely,
Jack C[redacted]

Dear Ms. [redacted]We received the complaint you sent to the Revdex.com of Central Ohioregarding PayPal Credit. Your correspondence was forwarded to Comenity CapitalBank. The PayPal Credit product is issued by Comenity Capital Bank and serviced byBill Me Later, Inc. PayPal Credit is a...

payment option made available by manymerchants to their customers.Your complaint states you received several letters from PayPal Credit indicating yourinformation may have been compromised and that an account was opened under yourmaiden name and current address. In addition, you called PayPal Credit and wereadvised the information on the account does not verify to you. You are requestingPayPal Credit provide you with confirmation that the account in your name has beenreported as fraud.PayPal Credit's records reflect the letters you received were sent in connection with twoattempted transactions on January 14, 2016 and January 15, 2016, in the name [redacted], using the address on your complaint. The personal information provided inconnection with the attempted transactions could not be verified and as a result, thetransactions were declined. The letters were sent to the address provided on thetransaction attempt saying "Your information could have been incomplete or inaccurateor the circumstances may have suggested that the purchase was not made by you.".Because they were declined, a credit bureau report was not pulled in connection withthese transactions. Additionally, PayPal Credit has confirmed that there are noaccounts open in your name or using your personal information.If you feel you may have been a victim of identity theft, below are some steps wesuggest you immediately consider taking.1. You can go to the Federal Trade Commission website on identity theft atwww.ftc.gov/idtheft. It contains additional information and refers you to resources thatcould be helpful in dealing with your situation.2. You have the right to place a fraud alert on your credit reports. A fraud alert tellscreditors to contact you before they open any new accounts or change your existingaccounts. To do this, you can contact any one of the consumer reporting companiesmentioned below. If you contact any one of them, the one you contact is required tocontact the other two to place an alert on their files as well.Experian (TRW)         Equifax Options           Transunion Corp.P.O. Box 2002           P.O. Box 740256          P.O. Box 6790Allen, TX 75013         Atlanta, GA 30374        Fullerton, CA 92834(888) 397-3742        (800) 525-6285           (800) 680-7289www.experian.com     www.equifax.com         www. transunion.comWe hope this letter explains and resolves this matter.Sincerely,Christina W[redacted]

Comenity Bank has received your correspondence regarding the above-referenced account. ComenityBank issues the EXPRESS NEXT credit card account. We are here to answer your questions and assistwith your concerns.Your complaint states that you...

are a victim of identity theft and an EXPRESS NEXT account was openedin your name. You have attempted to resolve this matter with the Bank; however, the Bank states that theaccount is yours. You are requesting that the Bank follow FCRA laws and remove the account from yourcredit bureau reports. We understand your concerns and apologize for any inconvenience or frustration thismatter may have caused your client.Bank records indicate that on June 16, 2017, the Bank issued a letter advising you that we have investigatedthis matter and could not find any basis to your claim; therefore, you are responsible for the balance. Wehave enclosed that letter for your records.Should you have any further questions or concerns regarding your case, please contact our AccountProtection team at [redacted] and reference case number [redacted].I hope you have found this information to be helpful. If you have any questions or concerns, please contactour Account Protection team at the phone number provided above.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responses

Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Zales credit card. We are here to answeryour questions and assist with your concerns.Your correspondence indicates your concern about the finance...

charges that were assessed toyour account in connection to the purchase you made on a deferred-interest promotional plan.We have reviewed the concerns noted in your correspondence and we would like to provide youwith the following information.The February 17, 2016, purchase for $1,544.91 was placed on a 12 month deferred interest, 1%payment required plan with an expiration date of February 17, 2017. Under the terms of thispromotional plan, interest on the purchase is deferred until the plan expires. This means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your account. In order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration date. This promotional purchase was not paid in full by the expiration datementioned above; therefore, the accrued interest was applied to your account. The details of yourpromotional plan as well as the expiration date were present on each billing statement.While we understand your concern, after our review of your account, we have determined thebalance is accurate and no adjustments are needed. If you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Rosa M[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]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues My Place Rewards credit cards. We are here to answer your questions and assist with your concerns.   We understand from...

your complaint that when you applied for the My Place Rewards credit card in November 2016, you made a purchase for $41.35; however, you did not receive the card or a billing statement. In January 2017, you received your first statement and a late fee and finance charge had been assessed to the account. You contacted customer service to have all of the fees removed; however, only a partial credit was applied to your account, and then more fees continued to accumulate on your account. You are requesting to have your account balance corrected. We apologize for any inconvenience this matter may have caused you.   Our records indicate that when the account was opened on October 30, 2016, the address in our records did not have the apartment number. Please be assured that your address has now been updated in our records with the apartment number. We have enclosed copies of your statements for your review.   Please be advised that additional credits totaling $52.58 have been applied to your account, to remove the previously assessed late fees and finance charges. With this adjustment you now have a credit balance of $52.58. A refund check has been requested and should be received within fourteen days.   Per your request, your account was closed on March 15, 2017. Although, you have requested to close your account, we hope that you continue to shop with The Children’s Place.   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,    Ashley H[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 all account-related questions.  Your complaint was forwarded to my...

attention, and I appreciate the opportunity to assist you.   You state that you have received multiple calls from the Bank regarding the above-referenced account.  You further state that you have sent copies of money orders where you paid for two pairs of shoes from Haband; however, you continue to be charged late fees.  Although the Bank has spoken with your husband, you are requesting for the Bank not to discuss the account with anyone but you.  Lastly, you state that you have been called on Sundays when you were trying to get ready for church.  We sincerely apologize for any frustration or inconvenience this matter may have caused you.       We have reviewed your account, and we are happy to share our findings.  We have enclosed copies of your monthly billing statements, for your review.    When an account is delinquent, we will make attempts to contact the customer regarding the status of the account.  Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status.  Due to potential negative ramifications for our customers if an account remains delinquent, we may call until our attempt to communicate is successful.   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.   Our records indicate the above-referenced account was opened on March 17, 2015.  The last purchase was for $9.99 on April 2, 2015, and the last payment in the amount of $67.19 posted to the account on December 16, 2015.  On August 7, 2016, due to non-receipt of payment, the account was permanently closed, and reported to the national credit-reporting agencies as an unpaid debt, with a balance of $573.58.   Although we find the balance to be valid, Comenity Capital Bank has decided to no longer hold you responsible for the remaining account balance.  In the interest of customer service, credits totaling $573.58 were issued to the account to remove the previously assessed late fees and finance charges.  These credits have posted and brought the account to a zero balance.        Notification has been sent to the national-credit reporting agencies with instructions to have the Haband account deleted from your credit bureau report.  Please allow up to 45 days for the credit-reporting agencies to update this information in their records.   We have updated the telephone numbers ending in [redacted] and [redacted] on the account, so that you no longer receive telephone calls from the Bank.  All calls should have ceased by this time.                  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]:   Comenity Capital Bank has received your correspondence regarding the above-referenced credit card account.  Comenity Capital Bank issues the Good Sam | Camping World Visa® credit cards.  We are here to answer your questions and assist with your...

concerns.  We understand your concerns as explained in the complaint regarding the service you received when contacting the Bank, and the cash advance fees that were assessed to your account.  We sincerely apologize for the incorrect information you were provided and for the experience that resulted from the conversations with our associates.  Please be assured that Comenity Capital Bank strives to provide world-class service and immediate action will take place to coach our associates in providing correct information and a more positive experience to our customers.  It is never our intention to cause a customer a hardship.  As part of being an accountholder and using your Good Sam | Camping World Visa®, you have the ability to make a cash advance.  The Bank does charge a cash advance fee of 5%.   As such, when your transactions for a cash advance of $800.00 and $1,000.00 were processed on December 14, 2016, and made in separate transactions, each cash advance was assessed a 5% fee; $40.00 and $50.00 respectively.  In the interest of customer service, please be assured that I have issued credits to your account totaling $90.00 to remove the fees.     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]  Compliance Dept. – Consumer Responses

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Ideal Image VIP credit card. We are hereto answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Better Business...

Bureau, that thepromotional plan due date on your balance was near. On January 30, 2017, you called the Bankrequesting to have the previously assessed late fees removed, and were advised that only onefee could be removed. You were advised your pay off amount was $418.00, after the removal ofthe late fee. This payment was made on February 7, 2017.On March 20, 2017, you received an email from the Bank advising that the promotional planexpired on February 4, 2017, and there was a balance owed on the account. You are requestingto have the fees removed since you called, received a pay off balance, and made a payment forthe quoted amount by the due date.Please be assured, although we found no billing errors on the Bank’s part, as a courtesy, we haveissued credits totaling $497.76 for the late fee and finance charges assessed to the account.These credits bring the account balance to zero.I hope you found this information to be helpful. If you have any questions or concerns, please feelfree to contact me at ###-###-####.

Dear Mr. Lantz:We have received your correspondence sent to the Revdex.com (Revdex.com)regarding [redacted] Credit, which was forwarded to Comenity Capital Bank. The [redacted]Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,Inc. [redacted] Credit is a payment option...

made available by many merchants to theircustomers.Your correspondence states your [redacted] Credit account was suspended after youreported a fraudulent transaction in March of 2016. Although you requested to have youraccount reinstated, your request was not completed. Further, your balance includes thefraudulent transaction. You are requesting your balance be updated and your accountreinstated.[redacted] Credit's records reflect your [redacted] Credit account was opened on April 12, 2008.On March 3, 2016, you called [redacted] Credit to report a fraudulent charge on your accountin the amount of $975.90, and your account was referred for fraud review. On March 16,2016, activity on your account was confirmed to be fraudulent and on March 18, 2016,[redacted] Credit mailed you a letter informing you of the outcome of the investigation, aswell as your account being closed. Please note, you are not responsible for the fraudulentcharges.On November 19, 2016, you called [redacted] Credit requesting to have your accountreinstated, and a representative submitted a reinstatement request on your behalf. OnDecember 13, 2016, your balance was returned to zero and on December 19, 2016, youraccount was fully reinstated and may be used for purchases.At this time, your [redacted] Credit account is not linked to your [redacted] account. In order tolink your two accounts, please visit www.billmelater.com and select "Link My Account." Ifyou have further questions or concerns, or if you require further assistance, pleasecontact [redacted] Credit at ###-###-####.As of the date of this letter, your account is open with a zero balance. We hope this letterexplains and resolves this matter.Sincerely,Jennifer P[redacted]Compliance Dept. - Consumer Responses

Dear [redacted]:        We received your complaint, addressed to the Revdex.com, regarding your David's Bridal® credit card account.  Comenity Capital Bank issues David's Bridal® 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 your complaint that you intended to pay your account balance via the Bank’s Account Center website on May 16, 2015; however, you were experiencing difficulties logging into Account Center.   After making several attempts to access your account online, you contacted the Bank regarding making a payment by phone.  However, due to the associated payment by phone fee, you declined this option, and made the payment via the Bank’s Account Center website once your online account access suspension expired.  We further understand, on June 20, 2015, you logged into Account Center and reviewed your David's Bridal® account and noticed that there was an outstanding balance on the account. Your balance included the assessment of finance charges from the promotional plan that ended on May 25, 2015, and a late fee.  To avoid additional late fees from being added to the account, you made a payment for the balance in full.  You are requesting a refund for the late fee charge and the promotional plan finance charges which were assessed to the account.   We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you.  Please note, each time you log into the Bank’s Account Center website an automatic note is added to your David's Bridal® credit card account for tracking purposes.  After a thorough review, our records indicate that you did not log into the Bank’s Account Center website on May 16, 2015, after speaking with a Bank representative to make the balance in full payment.  Additionally, when a consumer agrees to make a payment via the Bank’s Account Center website, a confirmation e-mail is sent directly to the e-mail address we have in our database.  If you received this email, please send this documentation to my attention at the above address, or you may fax your correspondence to my attention at ###-###-####.  Bank records further indicate that a purchase of $2,100.45 was charged to the account on November 22, 2014.  The purchase was placed on plan 406-1; a 6-month promotional plan which is a deferred interest payment required plan, and was scheduled to end on May 25, 2015.  Furthermore, a purchase of $441.47 was charged to the account on January 10, 2015, and placed on plan 406-2: which is also a 6-month promotional plan with deferred interest payment required, and was scheduled to end on July 13, 2015.  As agreed at the time of purchase, no interest would be assessed to your David's Bridal® account should the balances be paid in full by the promotional plan ending dates.  On May 25, 2015, there was a remaining balance on the promotional plan [redacted] in the amount of $195.54; therefore, finance charges totaling $174.01 were applied to the account.  Lastly, 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 (CCA).  On May 18, 2015, a statement was issued indicating a balance of $582.01 with a payment of $34.00 due by June 13, 2015.  A payment was not received by the June due date; therefore a late fee was assessed.  Please be advised that Bank records indicate two courtesy late fee credits, totaling $60.00, were previously applied to your account on April 18, 2015.  Regrettably, Comenity Capital Bank declines your request for reimbursement of the promotional plan finance charges and the late fee, as these charges are valid.  Information about promotional plans was provided to you on your monthly billing statements in the “details of your plans” section.   We 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,  [redacted] Consumer Relations Specialist

I sent all of the information to the Revdex.com email address that was supplied on May 22nd 2016I do not understand why the complaint has been twisted to read as something that was never mentioned, never written. If you actually read the complaint, what is states is;The account was closed by the company due to what they claimed as suspicious activity. That is fine, I could care lessWhen the account closed I owed $1483.68, what the attachments show is that all payments were made on time and over 2000.00 has been paid during this time and my current balance due is $1198.00.I do not know what you are talking about, this is what the complaint is about.That information you keep asking for is information that I sentRespectfully, [redacted]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues GameStop PowerUp Rewards credit cards. We are here to answer your questions and assist with your concerns.   We understand from your additional complaint that you contacted the online message center on your due date, requesting assistance with removing the previous bank information used to make payments. You didn’t receive a response until the next day, and you were charged a late fee. When you called in regarding the late fee you were advised that the late fee could not be removed. You are requesting that the late fee be refunded. We apologize for the inconvenience this matter may have caused you.   Please be advised that when contacting the Bank via Account Center, it may take up to 48 hours to receive a response. If you need immediate assistance, we recommend you contact our Customer Care team at ###-###-####.   Please understand the Bank offers other ways to make a payment by the due date other than online.   Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.   Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m.  Eastern Time (ET), to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.   Although your account has been credited for a late fee within the last eighteen months, as a courtesy, we have refunded the late fee of $27.00 that was assessed on March 21, 2017. This adjustment will appear on your next billing statement. Please be advised the Bank is unwilling to make any additional adjustments to your account for late fees.   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,    Ashley H[redacted]

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

I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit account.We resolved your dispute in accordance with the dispute provisions of your credit card agreement, which are also outlined in the Billing Rights Summary contained in your monthly billing statements. Specifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620. In your letter, give us the following information:? Account information: Your name and account number? Dollar amount: The dollar amount of the suspected error? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistakeYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:? We cannot try to collect the amount in question, or report you as delinquent on that amount.? The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.? While you do not have to pay the amount in question, you are responsible for the remainder of the balance.? We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.3. You must not yet have fully paid for the purchase.What this means for you is, if your dispute was submitted more than 60 days after the first billing statement on which the disputed charge appeared and you have fully paid for your purchase, you are not eligible to receive a credit or refund. Since you fully paid for the purchase at the time you submitted your dispute, you had no remaining amount due that we can forgive.We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-888-819-1918). I would be happy to assist you.

The business readily admits that their security issues and further problems with emailing notification of those issues cause the advertisement of approval in seconds to be essentially untrue. They also don't address the terrible problems with customer service. Advertisement needs to have a caveat if there is to be such extreme delays to use of an account.

Comenity Capital Bank[redacted]June 12,2016[redacted]Dear [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-notedaccount. Comenity Capital Bank issues [redacted]...

[redacted] credit card accounts, and we are here toanswer your questions. The complaint was forwarded to my attention and I appreciate the opportunity toaddress your concerns.We understand your concerns expressed in the complaint, regarding the hard credit inquiries that wereplaced on your credit file with [redacted], and that you indicate these were done so without yourpermission, even when going online. You are requesting the Bank to remove the hard inquiry from yourcredit file. Please be assure that we reviewed Bank records and we are happy to explain our findings.Bank records indicate that you logged into Account Center on April 27, 2016, and requested a credit limitincrease for your [redacted] credit card. Due to this request, you authorized the Bank toreview the credit bureau. The hard inquiry is valid; however, as a courtesy, we submitted notification to[redacted] requesting the credit inquiry be removed.In addition, when the Bank requests that an inquiry be removed, the credit bureaus will change it to a softinquiry. This means that the inquiry only appears when the consumer pulls his or her own credit report.A soft inquiry does not appear on a consumer's credit report that is provided to a lender or any otherauthorized party, and it does not impact the consumers credit score. Therefore, you will continue to seethe inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report.Please understand that future credit limit increase requests may involve the request of a credit bureauand result in a credit inquiry on your credit file. The Bank is unwilling to requests future credit inquiriesremoved due to this matter.Again, we apologize for any confusion or inconvenience you have experienced. Should you have furtherquestions, please contact me at ###-###-####. ext. [redacted] ( TDD/TTY [redacted]). I will behappy to assist you.Sincerely,Shawnda Y[redacted]Consumer Relations SpecialistThis card is issued by Comenity Capital Bank pursuant to a license by Visa U,S.A. Inc.

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the DentalFirst Financing credit account. Weare here to answer your questions and assist with your concerns.In your correspondence you state the finance charge on your purchase of $1,143.00 is over$700.00.We understand your concern, and would like to provide the following information:The March 19, 2016, purchase for $1,143.00 was placed on an 18 month deferred interestpromotional plan with an expiration date of September 20, 2017. For purchases on this plan, thecustomer is required to make payments on the promotional plan balance based on the standardrepayment terms for their account. Interest is accrued (calculated, but not added to the balance)and if the balance is not paid in full by the plan end date, the accrued finance charges, which werecalculated from the date of the original purchase, will be added to the deferred balance, and thisbalance will be moved to the customer’s revolving balance. This promotional purchase was notpaid in full by the plan expiration date mentioned above; therefore, the accrued interest of $366.78was applied to your account, and the remaining promotional balance of $631.00 was transferredto your revolving balance, which is subject to regular finance charges. The billing statementreflecting this activity is included for your review.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,Alyson F[redacted]Compliance Dept. – Consumer Responsescc: Revdex.comEnclosure

January 26, 2017     [redacted]...

[redacted]                                   ...⇄ /> *
*     Ref No.:           [redacted]
                        [redacted]   Dear [redacted]:   Comenity Capital Bank (Bank) has received your correspondence.  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 correspondence based on the information provided.  In order to investigate your concerns, please provide 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 further investigate.  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 ###-###-####.                                         ...⇄ Sincerely,       [redacted]
 
[redacted]       [redacted]

Dear [redacted]:          We received your 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 your complaint that you were experiencing difficulties logging into your HSN account.  You contacted HSN directly regarding this issue, and at that time, you were notified that your account was blocked from any future orders, due to non-receipt of payment.  Furthermore, you were notified that your account was transferred to a collection agency for payment.  You are questioning why you owe more than what appears on your HSN credit card statement, why you did not receive any notification regarding this matter, and why the Flex Payments for the Vizio TV and the [redacted] Underseater were not applied to your credit card account balance.  We understand your concerns, and we sincerely apologize for any confusion this matter may have caused.  Please understand that Comenity Capital Bank and HSN are two separate entities.  The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping.  After a thorough investigation, our records indicate on January 29, 2015, a payment of $100.00 was scheduled online to cover the monthly payment due on February 13, 2015, from your personal financial institution.  On January 29, 2015, the Bank attempted to withdraw this payment; however, on February 4, 2015, the payment was returned by your financial institution, due to insufficient funds.  As a result, the $100.00 payment was added back into the balance of the above-mentioned account and a return check fee of $25.00 was assessed.  Our records further indicate on February 17, 2015, a payment of $200.00 was scheduled online to cover the monthly payment due on March 13, 2015, from your personal financial institution.  On February 17, 2015, the Bank attempted to withdraw this payment; however, on February 20, 2015, the payment was returned by your financial institution, due to insufficient funds.  As a result, the $200.00 payment was added back into the balance and another return check fee of $25.00 was assessed.  Please note when two payments are returned by a financial institution within a 90-day period, Comenity Capital Bank will place a restrictive status on the account, which includes lowering the credit limit and suspending the purchasing privileges.  Once the Bank receives three months of on-time payments, the restrictive status is removed and the consumer has the option to request a credit limit increase.    Please be advised the credit limit on your HSN account was reduced to zero on March 18, 2015; as a result, any pending transactions and/or Flex Payments were declined.  Additionally, our records indicate that you were notified about your credit card restriction on March 31, 2015, April 2, 2015, and May 17, 2015, via the Bank’s Secured Message Center.  On your behalf, we contacted HSN, and their records indicate that notification was mailed to you each time authorization for the Flex Payments of the Vizio TV and the [redacted] Underseater was not received.  This notification indicated HSN’s inability to collect payment and requested an alternate payment method.  As a result of no response, HSN transferred your information to [redacted].  You may contact [redacted] at ###-###-####.  We are pleased to inform you that on May 18, 2015, the restrictive status was removed from your account, and your credit limit was increased to $150.00.  Should you wish to request a credit limit increase, please contact our Customer Care team at ###-###-####.   We hope you find this information to be helpful.  If you have any further questions regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely, Lauren S[redacted]