Comenity Capital Bank

Dear Mr. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Blair® credit card accounts, and we are here to help with account-related questions.  Your complaint was forwarded to my attention, from the corporate office of Blair, and I appreciate the opportunity to assist you.  You state in your complaint that in September 2014, you ordered three sweaters for $40.00 each.  You further state that you never received a billing statement.  A few months later you received a collections call asking for $360.00, and during that call you were told that the account had been sold.  You are requesting to pay the amount that you owe, and for the account not to be reported on your credit bureau report.  We sincerely apologize for any inconvenience or frustration that this matter may have caused you.   Comenity Capital Bank and Blair are separate entities.  As the bank that issues Blair® credit card accounts, Comenity Capital Bank would resolve issues that pertain to the billing of the credit cards and Blair would resolve issues that pertain to the merchandise and shipping charges. Our records indicate that the Blair® account was opened on September 10, 2014, in the name of [redacted]  Your statements were returned to the Bank as undeliverable.  The account exceeded six consecutive billing periods past due; therefore, it was permanently closed, and reported to the national credit-reporting agencies as an unpaid debt on May 12, 2015.  On May 15, 2015, the account was sold to [redacted] Investor Group. Please be advised that we are purchasing the account back from [redacted] Investor Group, and we are not holding you responsible for the full balance of $337.62.  We have enclosed a copy of your original billing statement with your purchases totaling $115.97, which you would be responsible for paying.  In addition, once the balance of $115.97 is paid, instructions will be sent to the national credit-reporting agencies to delete the Blair® credit card account, in its entirety, from your credit report. We hope you find this information helpful.  If you have any further questions, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (888) 819-1918).  I will be happy to assist you. Sincerely, Laura R[redacted]Consumer Relations Specialist CC:      Revdex.com

Dear [redacted]Thank you for contacting Comenity Bank regarding the above-noted account. Comenity Bank issues Carson’scredit cards, and we are here to help answer account-related questions. Your complaint, submitted to the BetterBusiness Bureau, was forwarded to my attention for review, and I...

appreciate the opportunity to assist you.Your complaint states that your purchase was interest free financing for 24 months, and that the minimumpayment calculations are incorrect. You also state that you called the Bank and this situation was to have beenresolved. You would like the Bank to correct the minimum payment due.Bank records indicate that you called and disputed the minimum payment due listed on your account onSeptember 10, 2015. This dispute indicated that you were requesting a re-payment modification. On September17, 2015, the Bank sent you a letter advising that we needed more information to resolve your dispute.For purchases made on the Waived Interest Equal Payments plan, no interest will be assessed if the purchaseis paid completely before the end of the promotional period. The customer is required to make equal monthlypayments during the promotional period.Bank records indicate that you charged three purchases to your Carson’s account and signed for the charges tobe placed on the Waived Interest Equal Payment Plans. Below is a recap of the purchases, promotional enddate, and the required equal minimum payment due.• March 23, 2015, $6,180.98, plan expires on March 24, 2017, equal payment required: $258.00.• April 14, 2015, $3,166.64, plan expires on April 15, 2017, equal payment required: $132.00.• April 23, 2015, $135.16, plan expires on April 23, 2016, equal payment required: $12.00.The total minimum due for the three plans listed above is $402.00, and is valid to remain in agreement with therepayment option for this plan, as stated in the Credit Card Agreement (CCA).Enclosed are copies of the CCA, billing statements, and sales drafts for your records.As no Bank error was found, please be advised that we are unable to change the required minimum monthlypayments due for the plan.We sincerely apologize for any frustration or inconvenience you have experienced, and we hope this informationis helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]

Dear [redacted]:We have received your complaint, addressed to the Revdex.com, regarding a Comenity Capital Bank credit card account. Comenity Capital Bank issues multiple retail credit card accounts, and we are here to help answer your account-related questions. I appreciate the...

opportunity to assist you with your concerns.We understand from your correspondence that you are having an issue with making your payments and have been assessed late fees to your account. You are requesting to have the late fees waived and to pay the original balance. I understand your concerns and I apologize for any frustration or inconvenience this matter may have caused you.Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate the account you are referring to. To locate an account, we would need additional information. Please provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social Security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope this information is helpful. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist

Dear [redacted] We received a complaint, addressed to the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Blair® credit card accounts, and we are here to help with account-related questions.  Your complaint was forwarded to my...

attention, and I appreciate the opportunity to assist you. You state that your Blair® credit card account is being charged $14.97 monthly for Blair VIP Plus.  You further state that you have opted out from the first month, and although you have emailed and written many times to stop this charge, you continue to be charged for the service.  You are requesting all Blair VIP Plus monthly membership fees to be credited.  We sincerely apologize for any frustration or inconvenience this matter may have caused you. Please understand that Comenity Capital Bank and Blair are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Blair® credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.  Please note that the Blair VIP Plus program is an optional service that is owned and offered by Blair.  This program offers a special introductory price of $1.99 for the first 30 days, and if the customer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the Blair® account each month.  Cancellation may be made at any time with no further obligation.  The Bank reached out to Blair regarding the charges for the Blair VIP Plus Program. Blair records indicate that you enrolled in the Blair VIP Plus program during an online purchase of Blair merchandise made on November 20, 2014.  As a result of the enrollment, your account was charged $1.99 on November 25, 2014. Bank records indicate the Blair® credit card account was charged for 11 Blair VIP Plus monthly membership fees at $14.97 each, and one introductory charge of $1.99.       Please be assured, the Blair VIP Plus membership was cancelled on November 3, 2015, and credits totaling $166.66 were issued by Blair to remove the previously accessed Blair VIP Plus monthly membership fees, as well as the introductory fee.  These credits have posted to your account on November 3, 2015.  Your account balance, as of today’s date, is $72.81.  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 Ms [redacted]We received the additional correspondence you sent to the Revdex.com (Revdex.com)which was forwarded to Comenity Capital Bank. The Newegg.com Preferred account(Newegg Preferred) product is issued by Comenity Capital Bank (Bank) and serviced byBill Me Later, Inc. Newegg Preferred was a payment option previously made available byNewegg.com to their customers.Your correspondence states you did not receive statements from Newegg Preferred, andthe address on file for your account is invalid. You state you were never informed of yourpromotional expiration date, and your payments should have been allocated toward yourpromotional balances based on the information you have been provided. You havesubmitted payment for your initial balance, but continue to receive fees. You arerequesting the fees be waived.As part of the application process when your Newegg Preferred account was created onNovember 19, 2008, you agreed to the E-Sign Consent and the electronically presentedTerms and Conditions. Per the E-Sign Consent, you agreed to receive disclosures andother information electronically. As such, you consented to receive "statement ready"emails from Newegg Preferred via the email address on file for your account,[redacted] alerting you that your statement is ready for viewingelectronically. Please note, this email address was provided on your initial application andhas not been updated. Newegg Preferred’s records indicate these emails were deliveredsuccessfully and some were opened. Please note, as of October 7, 2015, your Neweggaccount has been closed, as Newegg Preferred was discontinued as a payment optionthrough Newegg.com.It is important to note that a paper statement will not generate unless the accountbecomes delinquent or you change your paper statement status through NeweggPreferred’s web self-service site or via a written request as disclosed in the Terms andConditions. The billing address on file for your account, [redacted]
[redacted], was provided on your application. Our records do not indicate you have requestedpaper statements or requested to update your billing address. Please contact NeweggPreferred at ###-###-#### to update your information.Please be advised, your statements can be obtained by logging in at www.PayPal.com.Here's how to find your full statements online:1. Log into your PayPal account at www.PayPal.com.2. Click the Money tab.3. Click PayPal Credit.4. Click View Statements.5. Click a statement cycle date to view transactions from that billing cycle.6. Once a cycle is selected you can download that full statement by clicking the PDF iconon the left.As previously stated, Newegg Preferred is unable to waive any additional fees from youraccount at this time; Newegg Preferred does not waive deferred interest as a result ofpromotional financing purchases not being paid in full by the promotional expiration date.You were given notice of the promotional financing expiration date on each of yourmonthly billing statements. Further, each billing statement shows your payments wereallocated correctly in accordance with the Terms and Conditions and in compliance withall applicable laws and regulations.As November 21, 2016, your account is closed, with a balance of $98.37; please beadvised, your account balance is valid. Your next statement, dated November 22, 2016,will contain updated information regarding your balance and minimum paymentrequirement due by December 19, 2016.We hope this letter explains and resolves this matter.Sincerely,Jennifer P[redacted]

The first correspondence that I have received from your agency was lastweek. I have not received any other information from the Revdex.com other than itwas changing the venue from California to Ohio. Today was the first timethat I logged in the Revdex.com site and read the Revdex.com replies.I also read the letter from Comenty Bank about my account being opened in2013. This account is barely active, so the terms 4 years ago are notsomething that I am familiar with. In fact, almost no one is aware of theterms of these types of agreements.There is no mention to the credit balance that was on the Pay Pal accountor the additional money added to the account from a transfer of anotheruser to this account.My initial charge of $64.20 has generated $138.20 in fees and interest.That represents 215% of the original amount owed. I find it hard for anyreasonable financial authority or government agency to condone suchplundering. I imagine then, that even if I owed a dime, I would still becharged a $35.00 late fee. How about a penny? What is the threshold for theComenty Bank?I have paid the original amount that I charged, a late fee and have appliedmy credit balance against any other amounts owed. I am not paying any more.I believe that this case is not over and that there is predatory fees beingcharged by Pay Pal or Comenty.Regardless of the outcome with the Revdex.com, this is a practice that needs tocome to the attention of the public via disclosure to news media, to theAttorney General and to the proper banking over site agency.If you need me to open a new case, I will do so.Sincerely,

Dear Ms. [redacted]   We received your complaint, addressed to the Revdex.com, regarding the account referenced above.  Comenity Bank issues Giant Eagle, DIAMOND ELITE, and Meijer MasterCard® credit card accounts, and we are here to assist you with all account-related...

questions.  I appreciate the opportunity to respond to your concerns.   We understand from your complaint that you have received late fees on your accounts which are causing your balances to go over your limit on your accounts.   We have reviewed the issues in your complaint as well as the applicable telephone conversations.  Per our records there are no calls for the month of March 2016.   Per our records we show on your Giant Eagle credit card account a late fee in the amount of $25.00 was credited on December 21, 2015.  As a courtesy we are willing to remove one more late fee in the amount of $37.00.  Your account would not be eligible for another late fee removal for eighteen months.   I have also reviewed your Meijer MasterCard® account as well as your DIAMOND ELITE account, at this time we show no late fees have been assessed.   We hope you find this information to be helpful.  Should you have questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.   Sincerely,    Kristina W[redacted]

Dear [redacted]We have received your inquiry regarding a Comenity Capital Bank credit card account. Comenity Capital Bank issues multiple credit card accounts, and we are here to help answer your account-related questions. Your correspondence was forwarded to my attention, and I...

appreciate the opportunity to respond to your concerns.We understand from your inquiry that you scheduled a payment to be debited from your bank account on July 21, 2015; however, you did not have sufficient funds to cover the payment and your bank account is now overdrawn. You are requesting that the Bank issue a refund in the amount of $265.00. Please be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an account. To locate an account, we would need additional information. Please provide the following:- Complete Account Number- Any Previous Names- Any Previous Addresses- Home Telephone Number- Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.I hope you find this information to be helpful. Should you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

Dear Betty Moeller: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My Smile Care credit account. We are here to answer your questions and assist with your concerns. We understand from your...

complaint that you had a My Smile Care account and even though you made payments, your balance kept going up. You state that you paid the balance in full and a month later you received a billing statement with a late fee and high interest rate. Furthermore, you state that you contacted our customer service department to have the late fee removed, and they refused to waive the late fee. You would like the Bank to refund all of the unnecessary charges that were billed to your account, have the information removed from your credit report, and never contact you again . Bank records indicate your payment due date is the 19th of every month. Your My Smile Care account is a regular revolving account, which means that if there is a balance, a minimum payment is required each billing period. 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. Due to a late fee credit that was issued to the account on January 4, 2017, your account is not eligible to have an additional late fee credited. We also understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law. Additionally, per your request, a "cease and desist" status has been placed on your account. This cease and desist request will stop all future collection efforts, except those legally permissible. It will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: Comenity Capital Bank P.O. Box 183003 Columbus, OH 43218-3003 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]

Dear Ms. [redacted]We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal Credit. Your correspondence was forwarded to ComenityCapital Bank. The PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, Inc. PayPal Credit is a...

payment option made available bymany merchants to their customers.Your complaint states PayPal Credit is billing you for an item you did not purchase orreceive. You state you called PayPal Credit and were informed that the item purchasedwas an Omega watch. You state that you never purchased this item, and do not have aPayPal account. You are requesting PayPal Credit provide you with the seller's nameand prove you signed for and received the item in question. If PayPal Credit is unableto provide this information, you are requesting the charge and fees be credited, and theaccount closed.PayPal Credit's records reflect that your PayPal Credit was opened on January 26,2014, through a link to a direct online application on Billmelater.com. In order for anapplication to process with PayPal Credit and an account to be opened, the consumermust provide their name, date of birth, last four digits of their social security number,and agree to and accept the electronically presented Terms and Conditions at the timeof application.PayPal Credit's records show a purchase of $420.90 made on August 9, 2014, witheBay merchant ULFERTSARTH. Your purchase qualified for "No Payments + NoInterest if paid in full in 6 months" promotional financing until February 26, 2015. Thisbalance did not require a minimum monthly payment. In addition, as long as thepromotional balance of $420.90 was paid in full by February 26, 2015, you would notreceive any interest charges. Our records also show a merchant return credit of$391.90 posted on August 9, 2014, and a remaining purchase balance of $29.00.On May 7, 2015, you called PayPal Credit stating you did not recall creating a PayPalCredit account. The representative with whom you spoke provided you with the detailsof the purchase, and you proceeded to file a fraud claim with the representative. Youwere also provided with Equifaxls telephone and transferred to PayPal in order toinvestigate the PayPal account established in your name.Following your transfer to PayPal, the representative referred your account to PayPalCredit's Customer Security Operations for investigation; however, your fraud claim wasdenied because PayPal Credit determined no suspicious activity was detected. Withthe information currently in PayPal Credit's possession, there is no indication of fraud inconnection with your PayPal Credit account. You were sent correspondence on May 9,2015, informing you of our findings and were advised to provide additionaldocumentation in order for PayPal Credit to further investigate this matter.On May 29, 2015, you contacted PayPal Credit again and advised the account in yourname was fraudulent. The representative informed you of the fraud claim denial, andasked if you had filed a police report regarding this matter. You stated you did not, andyou wanted the account closed. Your account was closed, per your request and youwere informed of the balance. You then asked what specifically was purchased usingthe account, and the representative informed you an Omega watch was the itempurchased using your account. You stated you did not order the watch and ended thetelephone call.On June 5, 2015, you again spoke with PayPal Credit stating you never received anyitems associated with this account. As a courtesy, the representative waived thebalance of your account totaling $131.78.As noted above, PayPal Credit reviewed your account and determined no suspiciousactivity was detected upon investigation. As of the date of this letter, PayPal Credit hasnot received any additional supporting documentation related to your fraud claim;therefore, your fraud claim remains declined. Should you still believe the account wasopened fraudulently, additional documentation is necessary to further investigate. Youmay fax this documentation to ###-###-#### or mail it to the following address:PayPal CreditAttn: Executive EscalationsP.O. Box 501 8Timonium, MD 21094As of the date of this letter, your account is closed with a zero balance. This informationwill be reflected on your July 1, 201 5, billing statement.We hope this letter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses

Dear [redacted]We have received the complaint regarding the above-referenced account. Comenity Capital Bank issues SmileGeneration Financial credit accounts, and we are here to help answer account-related questions. Your complaintaddressed to the Revdex.com, was forwarded to my...

attention, and I appreciate the opportunity torespond to your concerns.In reviewing the complaint, the Bank understands that you had dental work financed on your account and youwere to be placed on an 18 month deferred interest, payment required plan; however, your purchase was placedon a Budget payment plan of $99.00. You are requesting that the purchase be placed on the 18 month deferredinterest, payment required plan and that any finance charge assessed to your account be credited. We apologizefor any frustration or inconvenience this situation may have caused you.Our records indicate that on March 21, 2016, a purchase of $1,659.00 posted to your account. This purchasewas placed on a Budget Pay of $99.00 plan. Please be advised that we have reached out to Smile Generationregarding your claims and have been advised that your purchase should have been placed on the 18 monthsdeferred interest payment plan. Please be assured that we have moved your purchase from the Budget Payplan to the correct plan. In addition, a total credit of $76.54 was issued to your account for the finance chargesthat were previously assessed to your account.We hope the information provided is helpful. Should you have any additional questions or concerns regardingthis letter. please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy toassist you.Sincerely, Jenny W[redacted]

Dear Ms. [redacted]:We received your additional correspondence sent to the Revdex.com regarding theabove-referenced accounts. Comenity Bank issues the above-referenced credit card accounts,and we are here to assist you with all account-related questions or concerns. I appreciate theopportunity to respond to your concerns.Our records indicate that we have previously responded to this issue. Enclosed, please find ourrecent correspondence sent July 14,2015 and on August 8,2015.We spoke to Woman Within, on your behalf, and they advised us that on April 22, 2014, youprovided the last four digits of your social security number, and date of birth, to accept a WomanWithinB credit card offer.A Woman Within@ billing statement was sent to you on February 5, 2015. This billing statementincluded a Roaman's purchase. The Roaman's purchase placed on October 31. 2014,consisted of a grey mid-calf(back ordered until December 1, 2014), white floral bra, silver twopiece bag and scarf set, black white zebra capri, classic red dogs capri, zebra slippers, classicred slippers, strawberry leggings, classic red tee, rose dust tee, and heather charcoal leggings.This order was also processed on deferred billing. Since the grey mid-calf was on back order, itdid not bill to your account until your next statement. The February 2015 statement had abalance of $163.49 and a minimum payment of $20.00 due by March 3,2015.Roaman's records indicate when you placed the order, you requested to have the chargeapplied to your Woman Within@ account. Please also understand that BrylaneHome@, JessicaLondon@, Kingsize@, Roaman's@, Full Beauty (previously OneStopPlus.corn), and WomanWithinB allow cross shopping. This means that items ordered from one retailer may be chargedto any of the listed credit cards. For instance, a Woman Within catalog purchase may becharged to the Roamanas@c redit card account and vice versa.As of the date of this letter you have a balance of $317.16 on your Woman Within@ account,and it is currently four billing periods past due.Should the account exceed six consecutive billing periods past due, the account will bepermanently closed, written-off, and reported to the national credit-reporting agencies as anunpaid debt. This information could remain on your credit report for up to seven years.If you have further questions regarding the orders billed to your accounts, please contactRoaman's directly at ###-###-####.I hope you find this information to be helpful. If you have any further questions, please contactme at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerelv.Amanda R[redacted]

Dear [redacted]:We have received the correspondence that you sent to the Revdex.com (Revdex.com) regardingPayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. The PayPal Creditproduct is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, Inc. PayPal Creditis a payment option made available by many merchants to their customers.Your correspondence states you faxed proof of return for your disputed purchase from [redacted]
[redacted]. You state your previous dispute was denied in favor of the merchant.You are requesting a refund for the disputed purchase.PayPal Credit previously researched your account and confirmed you submitted a dispute to PayPalon January 10, 2017, for your purchase of $140.00 from [redacted]. In response, PayPal sent you anemail on February 20, 2017, stating, “[w]e found that you are eligible for a refund, however, to receivethis refund, we need you to return all the items and we need a valid online tracking number confirmingthat the merchandise was delivered to the seller’s address.” Further, this email provided you with theseller’s return address and advised you to submit proof of return shipping within 30 days.Upon receipt of your present correspondence, PayPal Credit consulted with PayPal who confirmedthey received your proof of return shipping and the case was found in your favor on March 9, 2017.As a result, a return credit of $140.00 from [redacted] was applied to your account on March 9, 2017, asreflected on your March 14, 2017, statement.In regard to the email you received on March 6, 2017, PayPal apologizes for any inconvenience asthe dispute was not properly addressed at that time. Please be assured this matter has been forwardedto PayPal’s management team for further review and coaching.As of March 15, 2017, your account is open with a zero balance.We hope this letter explains and resolves this matter.Sincerely,Jennifer P[redacted]

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues Blair credit card accounts. We are here to answer yourquestions and assist with your concerns.Your complaint states that you do not owe the balance on your...

account. You further state thatthere is no explanation as to what the purchase was for nor a date provided. You state that youmade a purchase last year; however, you returned that order. You are requesting that the Bankclear the balance of your account. I understand your concerns, and apologize for any confusionor frustration this may have caused you.Please understand that Comenity Capital Bank and Blair are separate entities. Comenity CapitalBank issues and responds to questions regarding the Blair credit card account. While Blairresponds to questions regarding merchandise, purchases, returns, and shipping.Our records indicate that on August 9, 2016, a purchase of $79.91 posted to your account for twoBLW NYLON PANTIES, a BLW MONTEREY BEADED SANDAL, and PROTECTION PLUS. OnAugust 25, 2016, a return credit of $30.00 posted to your account for the BLW MONTEREYBEADED SANDAL. Please be advised when making returns, you are credited for merchandiseonly, not the shipping and handling. In addition, if you use the prepaid label to make your return,your account will be charged for that label.The Bank issued a statement to on September 6, 2016, showing a balance of $49.91, with aminimum payment of $20.00 due by October 2, 2016. However, on September 21, 2016, thatstatement was returned to the bank as undeliverable; therefore, a return mail status was placedon your account. I have enclosed the billing statements for your review.Please be advised that as a result of payments not being made on your account, late fees andfinance charges were assessed to your account for the months of September 2016 through March2017.As a result of the return mail status on your account, the Bank understands that you did not receiveyour billing statements; therefore, a total credit of $237.72 has been issued to your account. Thisleaves a remaining balance of $49.91, which you are responsible for. In addition, notification hasbeen sent to the national credit-reporting agencies with instructions to update your account toshow that you were not delinquent with us.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,Jenny W[redacted]

November 6, 2017[redacted]
[redacted]
[redacted]RE: Haband Credit Card Account Ending In [redacted]Ref. No.: [redacted]Dear [redacted]Comenity Capital Bank (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.In the correspondence, you state you have paid for all merchandise, including a late fee. You were advised you would be granted a late fee waiver and a zero balance. However, this was not done and your account has been billed monthly since March, despite your attempts to resolve this matter. You also state you have been harassed in writing and by telephone, and this matter has caused your credit to be adversely affected. You are asking the Bank to cease and desist contact regarding this issue.This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance.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.Please be assured, we have updated your account to reflect a current status. We have also removed all applicable late fees and finance charges, bringing your account to a zero balance. We have notified the credit reporting agencies of the changes that need to be made. These changes should be reflected on your credit file within the next 45 days.Per your request, a "cease and desist" status has been placed on your account(s). This cease and desist request will stop all future collection efforts, except those legally permissible. It will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact you. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:Comenity Capital BankPO Box 183003Columbus, OH 43218-3003I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at [redacted]Sincerely,Nicole FCompliance Dept. – Consumer Responsescc: Revdex.com

I have responses from the company that indicate the complete opposite
Regards, [redacted]

Dear Mr. [redacted]We received the complaint you sent to the Revdex.com regarding PayPalCredit. Your correspondence was forwarded to Comenity Capital Bank. The PayPalCredit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,Inc. PayPal Credit is a payment...

option made available by many merchants to theircustomers.Your complaint states you received a voicemail from PayPal Credit attempting to reachone of their customers. You are requesting PayPal Credit remove your phone numberfrom their dialer.According to PayPalls Credit's records, a call was placed on June 13, 2016, to thephone number provided in the complaint. The call was communication intended for aconsumer regarding a business matter unrelated to you.Upon receipt of your complaint, PayPal Credit flagged the phone number you provided(ending in 2940) with "Do Not Call" instructions. You should no longer receive phonecalls from PayPal Credit.We hope this letter explains and resolves this matter.Sincerely,Jessica A[redacted]

We received your complaint, addressed to the Revdex.com, regarding your GameStop PowerUp Rewards™ credit card account. Comenity Capital Bank issues GameStop PowerUp Rewards™ 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 made a payment for $140.00. You state that you called the Bank on April 30, 2016, to make a payment of $190.00 to settle the account. You further state that in June you began receiving collection calls again, and there is no record of the settlement. We understand your concerns, and sincerely apologize for any inconvenience this matter may have caused you. Bank records indicate that you made a payment for $140.00 on April 15, 2016; additionally, a payment of $196.00 was scheduled on April 29, 2016, with a Bank representative, to settle the account balance in full. Please understand that on March 9, 2016 the account was written off. Because the account was written off before the settlement the Bank has submitted to have the above-referenced account deleted in its entirety from your credit report. Please allow up to 45 days for this information to be updated by the credit reporting agencies. 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]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Ideal Image VIP credit card. We are here to answer your questions and assist with your concerns.   The April 9, 2015, purchase for $7,623.00 was placed on a...

24 Month Deferred Interest Payment Required Plan with an expiration date of April 10, 2017. Under the terms of this promotional plan, interest on the purchase is deferred until the plan expires. This means that interest on this purchase was accruing monthly from the original purchase date but was not being applied to your account. In order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration date. This promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your account. The details of your promotional 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 the balance is accurate and no adjustments are needed. 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

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the Forever 21 credit card. We are here toanswer your questions and assist with your concerns.You asked about a late fee that was applied to your Forever 21 account and...

requested the feebe removed.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.As a courtesy, we previously removed $15.00 of a late fee on May 25, 2017. We find the late feesto be valid as they were assessed in accordance with the Credit Card Agreement.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