Comenity Capital Bank

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]

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 [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 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

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

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]

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

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]

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]

Consumer received requested payment from Zales.

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]

I went online today to respond that my complaint has now been resolved only to find that the complaint had been closed. The reason I did not respond “satisfied” to the resolution of this complaint previously is that I was waiting for them to send me the information that had been used to open this account in my name. I have now received that information and “feel the complaint was handled satisfactorily by Comenity Capital Bank. I am going to take this information to my local police station where it will be added to the file I opened previously. I do wonder whether anyone is following up on trying somehow to catch the person who did open this account by checking the incorrect telephone number and email address they used when they applied for this account.As far as I am concerned this complaint can be marked “Customer Satisfied” at this point.Thank you,[redacted]

Dear [redacted] We received your additional complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questions. Your complaint, addressed to the Better Business...

Bureau, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit card account. Your complaint states that you did not receive all treatments and you are requesting a refund in full for what you have been charged and to be refunded money you have paid towards those treatments. In addition, you are requesting compensation of $4,237.50 for time spent researching details for the Bank and an additional $15,000.00 to obtain services that were not rendered by American Laser Skincare, from a qualified plastic surgeon of your choice. We have reviewed your account, and our records indicate that the Bank previously responded to this complaint on January 8, 2015, March 10, 2015, and September 12, 2015. Enclosed with those responses was a dispute form that needed to be filled out with information so that we may complete your dispute. To better assist you, please provide the following information: ? The dates the packages were purchased. ? How many treatments were you contracted to receive for each charge? ? How many treatments you did not receive for each charge? We apologize for any inconvenience this matter may have caused you. Should you have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]

Dear Ms. [redacted]  We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues Lenovo™ credit cards, 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 made a purchase for one laptop from Lenovo™ and when you received your billing statement you noticed that you were charged twice.  You contacted customer service and you were advised that the additional charge was an authorization charge and that it would fall off your account in 30 days.  We understand that the duplicate charge is impacting your credit score.  You are requesting that the Bank update your account balance to reflect one charge of $552.49 and update the balance on your account with the credit-reporting agencies.  We would like to apologize for any inconvenience this matter may have caused you.   We have contacted Lenovo on your behalf regarding the duplicate purchase for $552.49, charged on August 25, 2016.  Please be advised that credit totaling $552.49 was issued to your account on October 6, 2016.  The balance on your account is $502.49.   While we investigated this matter, we issued your account a temporary credit, which appears on your billing statement as a "provisional credit".  On your next statement, the provisional credit will be removed.   Please be assured that notification has been sent to the national credit-reporting agencies to advise the correct account balance as of the September 8, 2016, bill date was $552.49.   Please allow the credit-reporting agencies 45 days to update their records.   Additionally, when we contacted Lenovo, we asked about the information you were provided regarding the “authorization charge” and then an additional charge once the item is shipped.  We apologize if this information was miscommunicated to you.  Lenovo provided the following information regarding their credit card authorization process:  During checkout, Lenovo will request a pre-authorization for the total order amount from your credit card company, this is not an actual charge.  Once your order ships, your credit card will be charged.  If you ordered more than one item, there may be multiple charges as items ship separately as they become available.  This will not increase your shipping charges.  At times, we may have to re-authorize your credit card for the unshipped amount.  This may result in a duplicate authorization that will be released according to your banks authorization hold policy.  Again, this is a hold on the funds, not an actual charge.   The double charge on your account was an error, not the result of an authorization charge.   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. 7293197 (TDD/TTY ###-###-####).  I will be happy to assist you.   Sincerely,    Ashley H[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]

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Century 21 Department StoresC21STATUS credit card. We are here to answer your questions and assist with your concerns.Your correspondence states you have been a victim...

of fraud. Please be assured your concernshave been forwarded to our Account Protection (Fraud) Team, and fraud case number [redacted]-2 was opened on November 3, 2017. The investigation may take up to 90 days to be completed,and you will be notified by mail of the outcome. The account has been closed to prevent anyfurther charges.If you believe you have been a victim of identity theft, or there was an attempted identity theftusing your identity, there are some steps we suggest you immediately consider taking if you havenot done so already:1. You have the right to place a fraud alert on your credit reports. A fraud alert tells creditorsto contact you before they open any new accounts or change your existing accounts. Todo this, you can contact any one of the consumer reporting companies mentioned below.If you contact any one of them, the one you contact is required to notify the other two toplace an alert on their files as well.Experian (TRW) Equifax (CBI) TransUnion Corp (TRU)PO Box 2002701 Experian ParkwayAllen, TX 75013-0036(888) 397-3742PO Box 740241Atlanta, GA 30374-0241(800) 685-1111PO Box 390Springfield, PA 19064-0390(800) 916-8800www.experian.com www.equifax.com www.transunion.com2. Identity theft is a crime. You can file a report with your local police or the police departmentin the community where the crime took place. Many police departments have a specialIdentity Theft Report, which is a police report with more than the usual amount of detail. Ifthe detailed Identity Theft Report is available, we recommend you obtain a copy in orderto protect your rights.3. You can go to the Federal Trade Commission website on identity theft: www.ftc.gov/idtheft. It contains additional information and will refer you to resources that could be helpful in dealing with your situation.I hope you found this information to be helpful. Should you have any additional questions or concerns about the investigation, please contact our Account Protection (Fraud) Team at (800) 888-1726.Sincerely,A. F[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

Dear [redacted]We have received your complaint, addressed to the Revdex.com, regarding telephone calls that you are receiving from Comenity Bank.  Comenity Bank issues multiple credit card accounts, and we are here to assist with your questions.  Your complaint was...

forwarded to my attention, and I appreciate the opportunity to respond to your concerns.Your complaint indicates that you are receiving telephone calls from Comenity Bank regarding a matter not related to you. The telephone calls placed to the telephone number ending in [redacted] were attempts by the Bank to contact one of our customers regarding a business matter.  The Bank has honored your request to cease all phone calls to the telephone number ending in [redacted], regarding the matter unrelated to you. If you are receiving phone calls from the Bank on a different telephone number, regarding a matter not related to you, please do not hesitate to contact us directly. Please accept our apology for any inconvenience that you may have experienced regarding this situation.  If you have any questions or concerns, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.Sincerely, Renee S[redacted]

I am rejecting this response because:even though I paid the bill I did not get what I contracted for.  I assumed that I would pay the bill and then dispute the charge.   I have emails and letters supporting that the restaurant was wrong.  The bank should be on my side.  I paid a bill that was fraudulent, the Credit Card co should support the consumer in this matter.  What the CC co is telling the consumer that they should not pay a bill first and dispute later.  I had all the facts on my side and document to support my claim.  The only mistake I made was paying the bill.  That should not be.  The CC co should support me and get paid from the merchant.  
Regards,[redacted]