Comenity Capital Bank

Comenity Capital Bank has received your complaint regarding the above-referencedaccount. Comenity Capital Bank issues the overstock™ credit card account. We are here toanswer your questions and assist with your concerns.We understand from your complaint that you made a purchase on overstock™.com and...

it wassupposed to be placed on a 24 month same as cash option. When receiving your August 2016statement it did not reflect an interest charge. On your October 2016 you realized that you hadbeen charged interest at a rate of 27.24%. You are requesting to have the transaction placed onthe 24 month same as cash that you initially agreed to.The order placed on overstock™.com on July 16, 2016, in the amount of $ 2,409.99 was placedon the revolving line of credit which is subject to the annual percentage rate of 27.24%. Pleaserest assure we have transferred your purchase to the 24 month deferred interest paymentrequired promotion plan. This plan will expire on July 17, 2018, by which time the remainingbalance of $2,054.94 will need to be paid in full. Should the remaining amount not be paid by theend date of the promotion plan, the accrued interest will be added to your account balance.On December 9, 2016, you contacted customer care and both of the finance charges werecredited to your account in the amount of $54.34 and $54.26. You will see all adjustments andchanges to the account transactions reflected on the next one to two billing statements.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at ###-###-####. I will be happy to assist you.Sincerely,Diamond L

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 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 Mr. [redacted]We have received your correspondence sent to the Revdex.com regardingPayPal Credit, which was forwarded to Comenity Capital Bank. The PayPal Creditproduct 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 their customers.Your correspondence states your PayPal Credit account has been charged excessivelate fees and finances charges. You also state you did not receive any accountstatements. You are requesting for PayPal Credit to waive the related fees on youraccount.PayPal Credit's records reflect on November 4, 2015, your statement delivery methodwas changed from paper statements to electronic notifications via PayPal Credit's webself-service site. You consented to receive "statement ready" emails from PayPal Creditat the email address on file for your account, [redacted]. Once thismethod was chosen, we began alerting you electronically when your statement was readyfor viewing. With this method, a paper statement would not generate unless the accountbecame delinquent or you changed your paper statement status through the PayPalCredit web self-service site or via a written request, as disclosed in the Terms andConditions.On March 26, 2016, you updated your statement delivery method once more. Yourstatement delivery method was changed from electronic notifications to paper statementsvia PayPal Credit's web self-service site. Beginning with your May 14, 2016 statement,all statements have been mailed to the address on file for your account.Please be advised, on May 18, 2016, PayPal Credit corrected a technical error that mayhave affected your ability to access certain information online regarding your PayPalCredit account, including periodic statements. We apologize for any inconvenience thismay have caused. At that time, PayPal Credit also credited your account $157.07 in latefees and finance charges, and reversed any delinquency that may have occurred as aresult of this error.Upon receipt of your correspondence, Pay Pal Credit reviewed your account history forany additional financial impacts the above referenced error may have caused. As acourtesy, PayPal Credit has waived late fee and interest charges totaling $7.00. Thisadjustment will be reflected on your next statement.As of the date of this letter, your account is closed with a balance of $63.59, and nominimum payment requirement is due at this time. You will continue to receive monthlystatements until your account is paid in full.We hope this letter explains and resolves this matter.Sincerely,Jennifer P[redacted]

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 [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 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 Mr. [redacted]Thank you for contacting the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues My BJ’s PerksMasterCard® accounts, and we are here to help with your questions.  Your complaint was forwarded to my...

attention,and I appreciate the opportunity to respond to your concerns.  I would like to thank you and your wife for taking time to speak with me via telephone onOctober 6, 2015.  As stated in our conversation, the reason that two payments were withdrawn from your checkingaccount in the month of September is because on August 21, 2015, two paymentswere set up for September via our online site. A payment was set up of $25.00 for September 12, 2015, and a payment wasset up for $159.35 for September 13, 2015.  No refund for eitherof these payments has been issued as during our conversation you advised thatno refund is needed. Additionally, we would not be willing to issue any refund for fees charged by your bank, as discussed. We apologize for thefrustration and inconvenience that you have experienced regarding thismatter.  Should you have any furtherquestions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####).  I would be happy to assist you.    Sincerely,  Justina M[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]

January 31, 2017       [redacted]
[redacted]
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*       RE:      [redacted] Revdex.com Complaint ID 11951683   Dear [redacted]:...

  Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the Ultamate Rewards® [redacted]® credit card.  We are here to answer your questions and assist with your concerns.   We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau regarding this same matter.  Please find enclosed a copy of our response sent to you on January 26, 2017.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely,       [redacted]
[redacted]   cc: Revdex.com

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]

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

a payment option made available by many merchants to their customers. We would like to assist you in resolving this matter; however, we are unable to locate a PayPal Credit account in your name. We have forwarded your correspondence to PayPal to investigate your concerns. We hope this letter explains this matter. Sincerely, Jessica A[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

Dear [redacted]Comenity Capital Bank has received your correspondence. We are here to answer your questionsand assist with your concerns.We would like to assist you in resolving this matter. Unfortunately, we are unable to locate theaccount you are referencing in your correspondence based on...

the information provided. In orderto investigate your concerns, please provide your account number, copies of your billingstatements, 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 sendthis information to my attention at the address shown above.Please understand that Comenity Capital Bank and Blair are two separate entities. ComenityCapital Bank is responsible to addressing questions related to Blair credit card accounts, whileBlair is responsible for handling matters related to sales, merchandise processing, returns,shipping and handling, and merchandise quality.If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A[redacted]

Dear [redacted]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.Your correspondence indicates your account balance...

went from $400.00 to over $2,000.00overnight, without proper notification, due to a deadline on a promotional program. You spoke totwo representatives from the Bank; however, no one was willing to remove the charges. Had youknown of the deadline, you would have paid the remaining balance of $400.00 prior to the deadlineto stop the charges. You consider this unfair and deceptive. You also consider the matter settled,paid in full, and further advise that no additional payments will be made. In addition, you suggestthe Bank provide notice of the promotional program on our website and request the billing issueto be corrected.We have reviewed the concerns in your correspondence, and apologize if you felt you did notreceive the best customer service. We never intend to treat our customers in a less-thansatisfactorymanner. We are committed to providing the best customer service and would like toexplain the following information.The May 6, 2015, purchase for $5,025.00 was placed on a 24-month deferred interest, paymentrequired promotional plan (424-00001) with an expiration date of May 7, 2017. The Bank receivedyour payments of $100.00 on June 14, 2017, and $300.00 on June 19, 2017. Under the terms ofthis promotional 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. Since this promotional purchase was not paid in full by the expiration datementioned above, the accrued interest was applied to your account totaling $1,642.48 on May 7,2017. The details of your promotional plan, as well as the expiration date, were present on eachbilling statement. Enclosed are copies of your billing statements for your records.With regard to the Bank’s Account Center providing notice, we do provide notification on a banktile for promotional plans, both on the public home page and secure home page, which directscustomers to their billing statements.While we understand your concerns, 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,Jack C[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

If I was assessed the 4 x late fees why not reverse all 4 at the very least - not happy with just 1, as I have purchased significant merchandise and have been a customer for a fair amount of time.I would consider this a closed case if you credit the 4x late fees  @ $25 each.
Regards, [redacted]

Dear Ms. [redacted]:           Thank you for contacting Comenity Capital Bank.  As the bank that issues HSN credit card accounts, we respond to all account-related concerns.  Your complaint, addressed to the Revdex.com, was...

forwarded to my attention, and I appreciate the opportunity to assist you. We understand from the complaint, you have been disputing charges that were applied to your HSN credit card account over the past two months, however, the disputed charges still remain on the account.  You state that you have tried to rectify this matter with HSN directly, yet they refuse to issue a refund for merchandise that was either returned, received damaged upon receipt, or not received at all.  You are requesting that Comenity Capital Bank dispute all of the incorrect charges, issue credits totaling $1,245.75 for the returned merchandise, and credit any interest fees that were previously assessed.  We understand your concerns, and we sincerely apologize for any frustration or inconvenience this matter may have caused you or your family.  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. We contacted HSN on your behalf, regarding the returned merchandise outlined in the previously submitted billing disputes to the Bank, along with your Revdex.com complaint.  Please see below for a detailed explanation regarding each order. Order # [redacted]: HSN verified that the Wolfgang Puck 5-in-1 Grill, Bake and Cook Center with Lid, item [redacted], was received, and a replacement order was sent out at no additional cost.  HSN is unable to confirm the receipt of the replacement order, so no refund is due. Order # [redacted]: HSN verified that the Wolfgang Puck 5-in-1 Grill, Bake and Cook Center with Lid, item [redacted], was received, and refunds totaling $79.96 were issued to the account on September 29, 2015.  Order # [redacted]: HSN verified that the Ming Tsai 6.5 Qt. Press was returned, and a refund in the amount of $9.75 was issued to the account on July 17, 2015.  Please be advised, this order was returned using the provided EZ return label; therefore, a return label fee of $6.95 was deducted from the overall return credit. Order # [redacted]: HSN is unable to confirm the receipt of the returned Vince Camuto “Callison” High-Heeled Leather Boots, item 345650, so no refund is due.Order # [redacted]: HSN is unable to confirm the receipt of the returned Vince Camuto “Callison” High-Heeled Leather Boots, item 345650, so no refund, is due.Order # [redacted]: HSN is unable to confirm the receipt of the returned Vince Camuto “Callison” High-Heeled Leather Boots, item 345650, so no refund is due.Order # [redacted]: HSN verified that two IMAN Platinum Quilted Leather Jackets & Bags, in ice white, were received, and two refunds in the amount of $35.95 and $32.97 were applied to the account on September 3, 2015.  HSN is unable to confirm the receipt of the third order, so no refund is due.Order # [redacted]: HSN is unable to confirm the receipt of the returned Samantha Brown Greece Dec. Pillow, item 419666, so no refund is due.Order # [redacted]: HSN is unable to confirm the receipt of the returned Samantha Brown Greece Dec. Pillow, item 419666, so no refund is due.Order # [redacted] HSN is unable to confirm the receipt of the returned Samantha Brown Greece Dec. Pillow, item 419666, so no refund is due.Order # [redacted]: HSN is unable to confirm the receipt of the returned Samantha Brown Greece Dec. Pillow, item 419666, so no refund is due.Order # [redacted] HSN is unable to confirm the receipt of the returned Samantha Brown Greece Dec. Pillow, item 419666, so no refund is due.Order # [redacted]: HSN confirmed that the Wolfgang Puck Bistro Elite 13pc Stainless Cookware Set, item 418451, was shipped to you, and to date, HSN is unable to confirm the receipt of the returned merchandise, so no refund is due.  Please note, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling.  When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax.  Should you choose to return the correct merchandise within 30-days from the purchase date, you will receive the appropriate refund at that time.  Any incorrect items returned to HSN will be rejected and sent back to you, and no refund will be issued. Based upon the information provided by HSN, Comenity Capital Bank finds the billing of the items to be valid, along with any previously assessed interest that was applied to the account; as such, these items will remain a part of your account balance.  As of the date of this letter, the balance on your HSN account is $794.71, which includes merchandise that was not returned to HSN. If you have further questions regarding the merchandise applied to the HSN credit card account, please contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, [redacted]  Lastly, Comenity Capital Bank is committed to providing the best customer service.  The Bank has reviewed the applicable phone conversations, and we apologize if you felt that you did not receive the best customer service.  Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns. 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]

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]

We have received your recent complaint, addressed to the Revdex.com, regardingthe above-noted account. Comenity Capital Bank issues ldeal Image@ VIP credit accounts, andwe are here to help answer your questions. I appreciate the opportunity to assist you with yourconcerns.We understand...

your concerns regarding the telephone calIs you have received, and weapologize for any inconvenience or frustration this situation may have caused you.Please be assured that we have updated the status of your account to ensure that you are nolonger called on the telephone numbers ending in [redacted], and [redacted]. However, youremain responsible for the balance on the above-referenced account. Please keep in mind thatthe Bank may contact you by mail, or service of court filing, which would compty with state andfederal law.Bank records indicate that the ldeal Image@ VIP credit account was opened on April 10, 2015,in the name of Dennis Hoover. The last purchase of $4,250.00 was charged to the account onApril 10, 2015, and no payments have been received.As of the date of this letter, the account balance is $4,420.43, and it is five billing periods pastdue. Please keep in mind that if an account exceeds six consecutive billing periods past due, itwould be permanently closed for non-receipt of payment, and reported to the credit-reportingagencies as an unpaid debt. This information could remain on a consumer's credit bureaureport for 7 years.We encourage you to contact our Payment Solutions Team at ###-###-#### (TDD/TTY###-###-####) to make suitable payment arrangements.We hope you find this information to be helpful. If you have further questions, please contactPayment Solutions at the telephone number provided above. They will be happy to assist you.Sincerely,Melissa L[redacted]