Comenity Capital Bank

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:  I am very thankful that you have helped me !!! 
I reviewed the response made by the business in reference to complaint ID 11951272, and find the resolution is satisfactory to me.
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.
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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

Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account. Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I appreciate the...

opportunity to assist you.We understand from the complaint that you are continuing to receive late fees on the above-referenced account. Additionally, you are requesting to receive a free return shipping label to return the bowls and would like to receive a full credit. We understand your concerns and apologize for any frustration this matter may have caused you.We spoke to HSN on your behalf and are happy to share that HSN is willing to accept the return of the Wolfgang Puck 12 piece Stainless Mixing Bowl set purchased on April 18, 2015. Please be assured, Jay, an HSN representative, will be reaching out to you via telephone in regard to the process for returning the merchandise.Please be advised that your due date is the tenth of each month, and this date will not change. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.Online: Online payments submitted before 8:00 p.m. Eastern Time (ET) can be credited to your account the same-day. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on your future scheduled payment date). Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your HSN credit card account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing a week for the payment to arrive. If you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee may apply to same-day, expedited payments made with the representative.The above information and more can be found by visiting: http://www.comenity.net/comenity/Using Account/CustomerResourceCenter.Although there were no Bank errors, in the interest of customer service, we issued a $32.00 credit for the recently assessed late fee.Please be advised, as the product has not yet been returned, the account balance is valid. As of the dateof this letter, the balance on your HSN account is $71.55.We value you as a customer, and hope you find this information to be helpful. If you have any furtherquestions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I willbe happy to assist you.Sincerely,Ashley R[redacted]

The reason for not accepting this so called "resolution" is because Zales comenity is being ignorant to the fact of what I am disputing. They proceed as if I do not understand the promotional account rolling over into a regular account with the accrued interest tacked on at the end of the promo period. That is not what I am disputing. I am disputing the fact that their payment system was flawed and did not process my statement payoff as it was supposed to. I had the payment set up to have the card paid off however it still only took the minimum payment that was always scheduled in case of an emergency. Their technological errors should not be pinned on the consumer when the consumer has the appropriate funds to pay. When I called them and spoke with a "customer service" rep, they presumed I did not understand why I had the interest accrued to the balance, however I knew why, I just didn't know why my payment was not accepted so I could avoid that interest. They clearly do no listen to their customers and completely disregarded the content of my complaint. This is complete negligence and I will do whatever I can within my means to fight this. I have been  in contact with a legal representative regarding this matter and will take action if there is no resolve to the problem.

Dear [redacted]:Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the Haband credit card. We are here to answeryour questions and assist with your concerns.We understand from your complaint that you are not satisfied...

with Haband’s return policy, andyou have concerns regarding the fee for the return label. We apologize for any frustration this hascaused you.Please understand that Comenity Capital Bank and Haband are two separate entities. ComenityCapital Bank is responsible for addressing questions related to your credit card account, whileHaband is responsible for handling matters related to sales, merchandise processing, returns,and shipping. For concerns about products, returns, or exchanges you would need to contactHaband directly at ###-###-####. They will be happy to assist you.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,[redacted]Compliance Dept. – Consumer Responses

the credit inquiries showing on my credit reports are all from Comenity bank. Comenity bank ran my credit , approved me for these accounts , issued cards for these accounts and then decided to close because of multiple inquiries which all the Inquiries were from there organization. I was approved  for these cards based on my credit . I was able to use them and then all of the sudden out of no where decided to close them and damage my credit. I do pay on them still even though they closed them and request for this to be escalated immediately and the accounts re-opened as they closed them from Inquiries that were on my account by them . ALL the inquiries were COMMENITY bank. They approved the accounts. They asked me to call in and I spoke to a rep who approved multiple account opening on the same call. SO if there policy was not to issue multiple accounts then they should train there representatives to handle these situations. I do not accept this resolution as I did nothing wrong but apply for accounts at retailers I purchase from on a regular basis. I pay the accounts and you all have damaged my credit by closing these accounts.
Regards,[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Overstock Store credit card. We are here to answer your questions andassist with your concerns.We understand from your correspondence, submitted to the Better...

Business Bureau, that you purchasedfurniture from Overstock, as they advertised a 12 month no interest credit card. After checking yourstatement, you noticed that you were being charged interest. You contacted the Bank and were advisedthat you would have to contact Overstock to discuss this matter. You contacted Overstock and were advisedthat you would have to return the merchandise and re-purchase it on this plan. You are requesting thepurchases moved to the 12 month deferred interest promotional plan and the interest credited to your account.Please note Comenity Capital Bank and Overstock are two separate entities. The Bank issues and isresponsible for addressing questions related to your credit card account. Overstock is responsible forhandling matters related to sales, merchandise processing, returns and shipping.If you would like to discuss the purchase not being applied to the 12 month deferred interest promotionalplan, please contact Overstock directly at ###-###-####. They will be happy to assist you.Please note, per the Credit Card Agreement a finance charge will be applied when a balance is carriedfrom one month to the next month. As the Bank finds the interest charges to be valid, we are unwilling tocredit any fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responses

Dear Ms. [redacted]   We received your complaint, addressed to the Revdex.com, regarding your HSN credit card account.  Comenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questions.  Your complaint was forwarded to my...

attention, and I appreciate the opportunity to assist you.  We understand from your complaint that two purchases were applied to your HSN credit card account.  You state that you have been paying off the account slowly, due to the high interest rate, and that you cancelled your enrollment in Account Assure, due to the monthly fees that were assessed to the account.  Furthermore, you state that you recently noticed charges on the account which you were told was a result of not paying something off in a certain amount of time.  You are requesting a refund for the excessive charges and/or requesting the Bank close your account without reporting it on your credit file.  We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you.  After a thorough investigation, our records indicate on September 18, 2014, a purchase of $1,578.40 was applied to the account for a MacBook Air 1.4 GHZ 1, and was placed on plan 441-1: a 9-month deferred interest payment required plan, due to expire on June 22, 2015.  On June 22, 2015, the above-referenced promotional plan still had a balance due of $888.70; therefore, finance charges totaling $243.62 were assessed to the account.   On September 19, 2014, a purchase of $249.95 was applied to the account for a HPP Laptop 3YR Repair Plan, and was placed on plan 441-2: a 9-month deferred interest payment required plan, due to expire on June 23, 2015.  On June 23, 2015, the above-referenced promotional plan still had a balance due of $183.60; therefore, finance charges totaling $48.32 were assessed to the account.   Please be advised, as agreed upon at the time of purchase, no interest would be assessed to the account should the balance of your promotional plans be paid in full as of the scheduled ending date.  Furthermore, information about your promotional plans was provided to you on your monthly billing statements in the “Details of your plans” section.  Specifically, accountholders are instructed that should a balance not be paid in full by the promotional plan end date, accrued finance charges dating back to the original date of purchase, will be assessed to the account.   On May 6, 2015, a purchase of $64.75 for Dr. Ho’s Perfect Back was applied to the account, and on May 7, 2015, a purchase of $23.10 for Remedy Contoured Mem was applied to the account.  Please note, on June 9, 2015, the Bank received a credit of $57.80 for the returned Dr. Ho’s Perfect Back.   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.  In addition, if the provided return label is used to return the package, the return label fee of $6.95 is deducted from the overall return.   Our records further indicate that you elected to enroll in Account Assure, an optional debt cancellation program on September 29, 2014.  The monthly fee for Account Assure was based on the outstanding monthly balance of your HSN account each month.  The monthly fee was $1.99 per $100.00 of the outstanding balance.  If there was no balance at billing, there was no charge.  Please note your enrollment in Account Assure was cancelled on May 29, 2015.  Comenity Capital Bank is required to report factual information to the national credit-reporting agencies; as such, we are unwilling to close the account without reporting it on your credit file.  Furthermore, the Bank regrettably denies your request for a refund of the finance charges applied to your HSN account.  However, in the interest of customer service, a credit of $25.00 was issued to the account for a previously assessed late fee.   As of the date of this letter, your account has a revolving balance of $1,310.00.  Our records indicate that the annual percentage rate for revolving balances on your HSN credit card is 26.99%.  If there is a revolving balance on your account at the end of each billing cycle, finance charges will be assessed monthly, pursuant to the terms of the Credit Card Agreement (CCA).  We hope you find this information to be helpful.  Should you have any further questions, or if you would like to close your HSN credit card account, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.  Sincerely, Lauren S[redacted]

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]

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.

TThey still are refusing to address the issue that the return was made due to an error on their part, not mine. I did not order the wrong size, their order taker did. When I immiatrely brought the mistake to their attention, I was told I would not be resposible for a return fee. Instead of honoring their promise to me, they insist they are not at fault. I have been a long time customer of theirs for many years but I will no longer continue to do business with a company as dishonest & uncaring as they are. Its a shame that I cant find someone who understands what happened & accept responsibility. 
Regards,
[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the GEM Account credit card account. 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 dated September 14, 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 (800) 820-8932.Sincerely,Megan M[redacted]Compliance Dept. – Consumer ResponsesEnclosurecc: 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]

I need to see a 2 year history of this acccount. You acknowledge I was not receiving statements, and informed me I had received a $157. credit in May of 2016 ?   I never received that notification either.   Again, during 2016, I had total interest charges of $2.18 and fees of over $115 ???    This would indicate that I had very little use of the credit extended, yet was being charged fees constantly ???     STILL, I have not rececived a statement, yet somehow still own you $63.59 -   For what... when...    You have my physical address, please mail me that 2 year accumulation of charges.
Regards, [redacted]

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

Thank you for contacting Comenity Bank, regarding the above-referenced account. As the bankthat issues [redacted] credit card accounts, we are here to assist with all accountrelatedquestions. Your complaint, addressed to the Revdex.com, was forwarded tomy attention, and I...

appreciate the opportunity to respond to your concerns,We understand from your complaint, on November 6, 2014, you purchased a Necklace andBracelet set from [redacted], and placed the purchase on a twelve month deferredinterest payment required plan, due to expire on November 7, 2015. You state, over the courseof four months, you made extra payments totaling $8,000.00 to cover the deferred paymentplan, in addition to your regular monthly minimum due payments. To ensure that your paymentswere being distributed correctly, you contacted Comenity Bank every month with directions toapply the extra payments towards the deferred payment plan. Unbeknownst to you, the extrapayments were not accurately credited to the deferred payment plan; as such, your [redacted] account was charged $2,200.00 in finance charges, which was reflected on yourDecember 201 5, monthly billing statement.You are requesting Comenity Bank correct your [redacted] credit card account byremoving the high interest charge, and adjust the promotional plan balance to reflect the correctamount.I understand your concerns and would like to apologize for any inconvenience and frustrationthis matter may have caused you.Please be advised, the Bank has reviewed the issues outlined in your complaint, as well as theapplicable telephone conversations dated August 13, 2015, October 12, 2015 and October 28,2015. We apologize that your request to apply the extra payments towards the deferredpayment plan was not honored. It is never the Bank's intention to inconvenience a customer orcause undue hardship. Calls and letters of this nature are reviewed by our management team,and their recommendations regarding an appropriate resolution are followed.In the interest of customer service, Comenity Bank has issued a credit towards your [redacted] account totaling $2,263.79, which will reduce your balance from $6,019.90 to$3,756.11. Please allow up to two billing cycles for the adjustment to reflect on your nextstatement.

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]

Attached is the report from my credit monitoring bank for your reference.How is it possible that your system does not have a report made and I see it.[redacted]

I have tried calling and giving information to no success. I need a specific contacts email or phone number. This has been going on for a year.

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Blair credit card. We are here to answer your questions and assist with your concerns.I understand from your correspondence that you received a phone call from the...

Bank asking for your bank account information in order to make a payment on your account. You state that there was a fraudulent transaction from Comenity Capital Bank to your bank account. You also state that you have not received any billing statements from the Bank, and this has caused you to be charged late fees. Lastly, you state that every time you spoke with someone else, the amount you owed on your account would change, and the representative was very abusive to you on the phone. We never intend to treat our customers in a less-than-satisfactory manner. I do apologize you feel you did not receive the best possible service. I have reviewed the concerns, as well as the applicable telephone conversation from March 17, 2017, and would like to share my findings. On March 17, 2017, you called and spoke to a bank representative, and you were advised that there had been no payment made to your Blair credit card account since 2013. You were advised the charge appearing on your personal bank account was a payment made to your Haband credit card account, and was not fraudulent. The bank representative did offer to remove a late fee in the amount of $25.00, due to the address not being correct on your account. You then made a payment of $30.00 from your debit card account. Due to the returned mail on your account, credits were issued for all additional late fees and finance charges, which brought your account balance to zero. However, we received a payment of $22.05 on April 7, 2017, which created a credit balance on your account. Please be assured that we have issued a refund check to you in the amount of $22.05. Please allow 14 days for the refund to arrive, as it is being sent under separate cover. Enclosed, please find the billing statements, from June 2013 through present date, for your records. Please be advised that, as of the date of this letter, your account balance is zero. Additionally. the account was closed at your request on April 3, 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, Kristina W[redacted]