Comenity Capital Bank

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]

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]We have received your complaint, addressed to the Revdex.com, regarding theabove-referenced account. Comenity Capital Bank issues DentalFirst Financing creditaccounts, and we are here to answer all of your account-related questions. Yourcorrespondence was forwarded to my...

attention, and I appreciate the opportunity to assist you.I understand from your correspondence, that you thought you had paid your account ahead toassist with your personal budget, yet you still received late fees on your account. I apologize forany confusion or frustration that this matter may have caused you.Please be aware, if there is a balance on the account, a minimum payment is required. A [atefee is assessed if the minimum payment is not received by the specified due date, as explainedin the Credit Card Agreement. Additionally, Comenity Bank does not offer a pay ahead feature.Comenity Bank does offer three due date options for DentalFirst Financing accounts: the 1st, 10th or the 20th of each month. The due date on your account is currently the 1st of each month.If you would like to request a due date change to better meet your needs, please contactCustomer Care at ###-###-####.Please understand that a late fee credit of $25.00 was previously issued on October 14, 2014;however, in the interest of customer service, we issued an additional late fee credit of $35.00 on October 6, 2015.I hope you find this information to be helpful. Should you have any further questions orconcerns, please contact me at the address noted above, or by calling toll free ###-###-####,ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely, Melissa L[redacted]

I am on the phone with Comenity Bank and the Customer Service Representative named Mike told me that "I am NOT allowed to Dispute anything on my Credit Card". I was then transferred to someone named TRUDY who was WORSE THAN MIKE. TRUDY CONFIRMED THAT THEY RECEIVED MY 2ND DISPUTE yesterday Wednesday 11/11/15 and NOW MY DISPUTE STARTS OVER FROM MY 1ST DISPUTE 8/31/15.  NOW, SHE TOLD ME I HAVE TO WAIT ANOTHER 60 DAYS FROM YESTERDAY 11/11/15 AND PAY ALL INTEREST AND FINANCE CHARGES AND THAT "SHE DIDN'T CARE IF MY MOTHER HAD SURGERIES ON BOTH HANDS, TRUDY ALSO SAID IT WAS MY MOTHER'S FAULT FOR SENDING BACK DAMAGED INCORRECT ITEMS", MY MOTHER ASKED TO SPEAK TO ANOTHER SR. ACCT. REPRESENTATIVE AND TRUDY SAID "NO YOU CANNOT AND IT'S YOUR OWN FAULT FOR SENDING THE ITEMS BACK TO HSN, AND SUSAN JUST SO YOU KNOW, YOU HAVE NO RIGHTS AS A CUSTOMER. THEN TRUDY HUNG UP ON MY MOM WHILE WE HAD HER ON SPEAKER PHONE.

The letter from Comenity Bank referred to in your 6/3/16 letter, is, simply that in their response to a customer’s objection to a statement, they refuse, repeatedly, to explain the figures in the current statement (which show a balance due of $98.10, but is billed at $115.22) without repeatedly referring to a prior month’s statement, which they do not present with the current statement. Then, their verbal, detailed repetition of that previous month statement, used to explain the current statement, is nothing but fooferaw, nonsense, confusing repetition, since the customer cannto refer to a statement they no longer have. This, in addition to the obnoxious attitude of the agent’s rambling during the telephone contact. The same is true in the written manner in which they respond to the B.B.B. in the 6/3/16 letter. There is no other company issuing credit card statements that deal in as odious, repellent manner, in their response to a customer’s question or complaint as does Carson’s and their Comenity Bank. Look at the statement they presented, and decide what the correct amount due is right. Thank you, again, for pitching in. Sincerely,[redacted]

Dear [redacted]:We have received an additional complaint regarding the above-noted account. ComenityCapital Bank issues Lending Club Patient Solutions credit accounts, and we are here to helpwith all 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.Our records indicate that the Bank previously responded to this complaint on January 19, 2016,and February 8, 2016. We have enclosed a copy of our previous responses for your review.We hope the information provided is helpful. Should you have any additional questions orconcerns regarding the Lending Club Patient Solutions credit account, please contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[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]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]

Dear Mr. [redacted]: We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues the GEM™ ACCOUNT, and we are here to help with all...

account-related questions.  Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand from your complaint that you applied for the credit card and used it to make a purchase for $1,000.00 in August 2015.  The purchase was placed on a 6 month 0% interest plan, and when you went back into the store with a friend in January 2016, they were given additional promotional plan options that were not offered to you.  After that you state: you contacted the Bank, a dispute was opened, and you were advised that no payments needed to be made while your account was in dispute and you were advised that your purchase did qualify for 12 month 0%.  Additionally, after noticing you were charged a late fee, you called the Bank again and was advised that you needed to make a payment.  After two months you had not received any information regarding the status of your dispute.  The account was being assessed late fees and reported as 30 days late.  You contacted the Bank again and spoke with a supervisor that advised you that she would research your concerns and send you a letter stating that your account was in good standing and report it to the credit bureaus.  You state that you did not receive a letter or a call back.  On April 21, 2016, you state that you received a letter advising your dispute was completed and that your purchase would still be on the 6 month 0% interest plan.  You contacted the Bank again and were advised that an additional dispute could be initiated with additional details.  You feel that it all should have been taken care of with your initial contact to the Bank.  You are requesting that your purchase be placed on a 12 month 0% interest plan.  We would like to apologize for any inconvenience this issue may have caused you. We understand that you were not given other deferred options at the time of purchase and you were made to believe that your purchase could be transferred to the 12 month deferred interest plan during your conversation with the Bank.  However, your dispute was investigated and as previously advised in our response dated April 11, 2016, we are unable to extend your deferred promotional plan, as your plan expired on February 7, 2016.  In addition, in order for your account to be protected under the Fair Credit Billing Act, your dispute needed to be submitted in writing within 60 days after the error appeared on your billing statement; as advised in the Credit Card Agreement (CCA).  We have enclosed a copy of the CCA for your records. Our records indicate that the late fees for $25.00 and $35.00 were credited on April 25, 2016.  In addition, a letter was sent to you on April 12, 2016, and April 25, 2016, advising of the updates completed regarding your payment history to the credit-reporting agencies. We hope that you find this information helpful.  Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Ashley H[redacted]

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]

Consumer received requested payment from Zales.

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]

January 31, 2017       [redacted]
[redacted]
[redacted]  [redacted]
*       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 a complaint addressed to the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Norm Thompson 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 in your complaint that you purchased a dress and then you returned the dress as it did not fit correctly.  You further state the dress was placed on a Norm Thompson credit card that you do not have, you were charged for the return, and you have been unable to contact to contact Norm Thompson.  Additionally, you were unsatisfied with the information you received when you contacted the Bank.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.    Please understand that Comenity Capital Bank and Norm Thompson are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Norm Thompson credit card accounts, while Norm Thompson is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.    Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling.  When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded.  Additionally, if you use the Smart Label for the return, your account is billed $9.99 for the cost of the return shipping.   We have reviewed your account and we are happy to share our findings.    Our records indicate that the Norm Thompson account was opened on May 13, 2015, in the name of [redacted].  This account was opened when you contacted Norm Thompson to place an order by telephone.  You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness.   At the time the order was placed, you would have been asked if you were interested in opening a Norm Thompson credit card account, based on the pre-approved credit offer.  The account was opened, and a purchase of $90.27 was placed.  This purchase consisted of one NTO Miles of Style dress, tax, and shipping and handling charges.    On June 10, 2015, a return of $75.29 posted to the account.   We have contacted Norm Thompson on your behalf and they issued a credit of $14.98 to the account to remove the shipping and handling and Smart Label fee.  In the interest of customer service, the Bank has issued additional credits, totaling $62.94, to remove the late fees and finance charges previously assessed.  The account balance, as of today’s date, is zero.          The account was closed, at your request, on July 11, 2015.                    As your correspondence indicates that you may not have been aware that a Norm Thompson credit card was opened, in the interest of customer service, we have sent notification to the national credit-reporting agencies with instruction to have the Norm Thompson account deleted from your credit bureau report.  Please allow 45 days for the information to be updated in their records.         You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free (888) 567-8688.  You may also contact the credit-reporting agencies directly by using the following information:   Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 (888) 397-3742 PO Box 390 Springfield, PA 19064 - 0390 (800) 916-8800 PO Box 740241 Atlanta, GA 30374 - 0241 (800) 685-1111 http://www.experian.com http://www.transunion.com http://www.equifax.com   Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.   We hope you find this information helpful.  If you have any further questions regarding the account, 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

Does this mean that Lenovo has communicated with Comenity Bank and has verified that IN FACT I only owe the amount for one computer ?  I just want the correct charges for the computer: $552.  I was always willing to pay the charges for one computer, not two.  If that is the case, yes, I am happy to accept your intervention with the companies Lenovo/Comenity Bank.
Regards,  [redacted]

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

is a payment option made available by many merchantsto their customers.Your correspondence indicates you are receiving notices from [redacted] Credit regardingapplications submitted in your name, but you have not had a [redacted] Credit account formany years; therefore, you believe the applications being submitted in your name are theresult of identity theft. You have previously contacted [redacted] Credit and attempted toresolve this matter, but have been unable to do so. You wish to not do business withneither [redacted] Credit nor the Bank and are requesting to no longer receivecorrespondence unless it is in regard to the termination of the letters you have beenreceiving.[redacted] Credit reviewed the concerns mentioned in your correspondence and would liketo provide you with the following information. [redacted] Credit’s records reflect your [redacted]Credit account was opened on November 16, 2005. Please be advised, Chase was theservicer of your account at the time it your account was opened. The lender of youraccount later became Bill Me Later. and as of August 1, 2014, Bill Me Later changed itsname to [redacted] Credit. Your account was closed due to inactivity by [redacted] Credit onApril 26, 2013, with a zero balance.On January 13, 2015, two applications were submitted in your name through twopurchase attempts in the amounts of $25.01 each with [redacted] merchant MichiganSpeech Co. As a result, [redacted] Credit sent the enclosed letter dated January 23, 2015,[redacted] Credit was unable to approve the application because a copy of your credit reportcould not be obtained. As such, neither application resulted in an inquiry on your creditfile.Your correspondence mentions you previously contacted [redacted] Credit regarding thismatter. Please be aware, based on the information provided in your letter and after reviewof your correspondence [redacted] Credit was unable to locate any instance of prior phoneconversation between you and [redacted] Credit regarding this matter.Upon receipt of your correspondence, [redacted] Credit submitted a fraud report and theJanuary 13, 2015, applications were investigated. Please note, with the informationcurrently in [redacted] Credit’s possession, there is no indication of fraud in connection withthe January 13, 2015, applications. It is important to note, since that time no additionalapplications have been submitted in your name nor have there been attempts to use yourprior [redacted] Credit account in your name. As a courtesy, [redacted] Credit noted yourpersonal information in their system to prevent a [redacted] Credit account from beingopened in your name in the future. However, [redacted] Credit cannot prevent an applicationor purchase attempt from being submitted, and if an application or purchase attemptsubmitted with your address is declined, [redacted] Credit is required to send an adverseaction notice. As a result, you may receive additional notifications by mail if an applicationis submitted using your address.If you have concerns regarding identity theft, please consider the following optionsavailable to you:1. You have the right to place a fraud alert on your credit reports. A fraud alert tellscreditors to contact you before they open any new accounts or change yourexisting accounts. To do this, you can contact any one of the consumer reportingcompanies mentioned below. If you contact any one of them, the one you contactis required to contact the other two, to place an alert on their files as well.
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
2. Identity theft is a crime. You can file a report with your local police or the policein the community where the crime took place. We recommend you obtain a copyin order to protect your rights.3. You can go to the Federal Trade Commission website on identity theft atwww.identitytheft.gov/. This website contains important information and refers toresources that could be helpful in dealing with identify theft.Your correspondence also states you received a letter from [redacted] Credit with areference number of [redacted]. Please note, this letter from [redacted] Credit was acommunication intended for a consumer regarding a business matter unrelated to you.Additionally, this letter was neither addressed to you, nor mailed to the address youprovided in your correspondence. [redacted] Credit confirmed that based on your personalinformation provided in your correspondence, [redacted] Credit did not send a letter datedMay 25, 2017, to you. We apologize for an inconvenience or frustration this has causedyou.We appreciate the time you have taken to share your concerns with us. I hope thisinformation is sufficiently responsive to your correspondence.Sincerely,Zachary B[redacted]Compliance Dept.- Consumer ResponsesEnclosure

February 23, 2017             RE:      [redacted] Credit Card Account Ending In 3497             Revdex.com Complaint ID: 11988827   Dear [redacted]:   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns.   We understand from your complaint that you ordered two pairs of slacks, anticipating that you would receive them prior to the Christmas holiday. However, the pants were not shipping until January 2017. You state you went through the billing statement and you don’t understand the charges assessed to the card listed as [redacted] catalog, [redacted]. You state the charges have been assessed each month since October 2016. You paid the account off; however, you are requesting a refund, as you feel you should not pay for the unknown charges. I am happy to share my findings.   Please note that [redacted] and Comenity Capital Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. [redacted] is responsible for handling matters related to sales, merchandise processing, returns and shipping.   Bank records indicate the [redacted] account was enrolled in [redacted] via phone on May 16, 2014. [redacted] is an optional debt cancellation program. The monthly fee is $1.99 per $100.00 of your outstanding balance. If there is no balance at billing, there is no charge. Please be advised that [redacted] has been cancelled as of February 15, 2017, and a total of $29.91 was credited to the account in regard to the program.   We confirmed with [redacted] that you enrolled in the [redacted] VIP Plus program and the Health Connection via phone. The [redacted] VIP Plus program is offered directly by [redacted] and offers perks and discounts. The program has an introductory fee of $1.99 and, if not cancelled within the first 30 days, a fee of $14.97 will be billed to the account monthly.  Customers may cancel [redacted] VIP Plus at any time with no further obligation. The enrollment of the [redacted] VIP Plus program was cancelled on February 13, 2017, and the account was credited $46.90 regarding the program.   The Health Connection program was cancelled on February 15, 2017. The account was credited $39.80 in regard to the program. Additionally, the [redacted] mailings/catalogs are sent free to customers. However, you have been deleted from the [redacted] mailing list. If you would like to receive [redacted] mailings/catalogs, please contact [redacted] at ###-###-####.   A total refund of $137.98 will be sent to you via mail, under separate cover, and should be received in the next 14 business days.   Please be assured we have removed the 30-day late that was reported for January 2017, in regard to this matter. Please allow the credit bureaus 45 days to update their records.   The account was closed, per your request on February 8, 2017. Although you have closed your account, we hope you will continue to shop with [redacted].    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]

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

is a payment option made available by many merchants totheir customers.Your complaint states you purchased an item through eBay on October 14, 2014 for$188.45 and unintentionally paid with PayPal Credit. You state you did not know for severalmonths that you used PayPal Credit until you received a call from PayPal Credit advisingyou owe a balance of $188.45. You state when you received your January 2015 credit cardstatement, you noticed there was one charge of $173.45 dated January 7, 2015, and twocharges of $158.45 dated January 7, 2015. You state you contacted your credit cardcompany and you were refunded $173.45 and $158.45, however the third charge for$158.45 has not been refunded. In addition, you state you contacted PayPal, eBay andPayPal Credit; however, you were unable to resolve this issue. You are requesting PayPalCredit waive the balance on your account.PayPal Credit's records reflect your PayPal Credit account was opened on October 14,2014, with an online purchase of $188.45 through eBay. In order for an application toprocess with PayPal Credit and an account to be opened, you provided your name, date ofbirth, last four digits of your social security number, and actively accepted the electronicallypresented Terms and Conditions at the time of purchase, which required that you click the"Agree and Continue" button acknowledging that you were "...apply[ing] for credit...."You also received and consented to the PayPal Credit's E-Sign Consent, wherein youagreed to receive disclosures and other information electronically. As such, you consentedto receive “statement ready” emails from PayPal Credit via the email address on file for youraccount, [redacted], alerting you that your statement is ready forviewing electronically. A paper statement will not generate unless the account becomesdelinquent or you change your paper statement status through the PayPal Credit web selfservicesite or via a written request as disclosed in the Terms and Conditions.Your statement dated October 19, 2014, shows a purchase of $188.45 with eBayEMMETSRAILR posted on October 14, 2014, and a PayPal Promotional Credit of $15.00posted on October 14, 2014. Your purchase qualified for "No Payments + No lnterest ifpaid in full in six months" promotional financing until May 16, 2015. This balance did notrequire a minimum monthly payment during that time. In addition, as long as thepromotional balance of $1 73.45 was paid in full by May 16, 201 5, you would not receive anyinterest charges. No additional activity occurred through your statement dated April 19,201 5.When your promotional financing expired on May 16, 2015, the purchase was not paid infull, and you were charged accrued deferred interest in the amount of $20.10 on yourstatement dated May 19, 2015. PayPal Credit's Terms and Conditions state, in part,"lnterest will be charged from the posting date if the Purchase balance is not paid in fullwithin the deferred interest period." Also shown on this statement is your ending balance of$1 93.55 and your minimum payment requirement of $25.00 due by June 16,201 5.On June 15, 2015, your account became past due and on June 26, 2015, PayPal Creditmade attempts to contact you regarding your past due balance. From June 19, 2015, toSeptember 19, 201 5, four late fees totaling $1 30.00 and four interest charges totaling$1 6.44 were assessed to your account as a result of the minimum payment requirement notbeing satisfied by its due date and the balance not being paid in full. All of the feesassessed to your account were charged in accordance with the PayPal Credit Terms andConditions.We have determined your complaint regarding additional charges showing on your personalcredit card is with PayPal, not PayPal Credit. Although both PayPal Credit and PayPal areowned by PayPal, they are separate entities. Please contact PayPal using the informationbelow:[redacted]As a courtesy, PayPal Credit has waived one late fee totaling $35.00. This adjustment willreflect on your next statement dated October 19, 2015. PayPal Credit is unable to waiveyour balance or any additional fees. As of September 30, 2015, your Account is closed witha balance of $304.99 and your minimum payment requirement of $184.00 is due by October16, 201 5. We hope this letter explains and resolves this matter.Sincerely,Patricia L[redacted]

Dear Mrs. [redacted] We received a complaint from you, addressedto Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues Iddeal creditcards, and we are here to help with all account-related questions.  Your correspondence, was...

forwarded to myattention, and I appreciate the opportunity to respond to your concerns. We understand your concerns as explained inthe complaint.  Bank records show thatthe Iddeal account is listed in the name of [redacted], as the primary accountholder.  Because of this, the Bank is unable todiscuss or release account information to another party without Mr. [redacted]spermission.   Please be advised that we have sent aresponse to Mr. [redacted] directly regarding the account. We hope that you find this informationhelpful.  Should you have any otherquestions or concerns regarding this account, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely, Ashley H[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. I hope that in the future that they will better protect their customers against sellers like this.