Comenity Capital Bank

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Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Overstock Store credit cards. We are here to answer your questions and assist with your concerns.   We understand from...

your complaint that you have contacted the Bank regarding a problem you have experienced with the automated phone payment system. You state that the system is continually charging late fees of $27.00 to your account. You also state that you paid your bill on March 4th within the allotted time frame. You are requesting to have the late fee removed immediately. We apologize for the inconvenience this matter may have caused you.   Please be advised, that payments must be made by the payment due date and before 6:00 p.m. Eastern Time (ET), if payments are being mailed. If your payment is being made online or by phone, payments must be made by 8:00 p.m. ET. For additional information regarding cut off times, please refer to page two of your billing statements.   The account billed on January 9, 2017, with a balance of $83.15, with a $27.00 minimum payment due by February 4, 2017. The required minimum payment was not received by the due date; therefore, a late fee and finance charge were assessed to your account as explained in the Credit Card Agreement.   The Bank has no record of any access to our phone payment system on February 4, 2017; however, our records do indicate that your payment was processed by phone on February 5, 2017, one day after your payment due date.   The account billed on February 6, 2017, with a balance of $85.15, with a $27.00 minimum payment due by March 4, 2017. The required minimum payment was processed after the payment cut off time of 8:00 p.m. ET; therefore, a late fee and finance charge were assessed to your account.   The Bank is willing to remove one late fee in an eighteen month time period, as a courtesy. Our records indicate that a late fee credit in the amount of $27.00 was issued to your account on February 14, 2017. Unfortunately, the Bank is unwilling to make any additional adjustments to your account for the late fee assessed on March 4, 2017.   Regarding payment cut off times, please understand the Bank offers multiple ways to make a payment by the cut off time.   Online: Online payments submitted before 8:00 p.m. 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 Overstock Store 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/UsingAccount/CustomerResourceCenter   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,    Ashley H[redacted]

I have provided all the information they need to contact the person that is responsible for opening this account.  However, they have not once called me to get my statement nor did they contact me to ask for additional information.  They keep denying my claim that the account was open under my name.  Yes, my ex-husband has all my information therefore he has the ability to open the account using my information.  I have sent back the affidavit to PayPal Credit with all of the person's information - including his phone number, address, DOB, and SSN (as requested on the affidavit form), as well as the Police report number and contact information.   I even called Paypal Credit's fraud number to give them the police report number.As stated in their response letter, I will again submit the police report and the report to FTC, as attached in this email.
Regards, [redacted]

This is in response to your letter that I am enclosing the police report as well as the county attorneys letter referring tothe law suit. I had provided this info in the past. I am enclosing again in reponse to the complaint filed with Revdex.com.Sincerely,[redacted]

Dear [redacted]: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Zales 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 dated June 16, 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, Renee S[redacted] Compliance Dept. – Consumer Responses

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
I This card is issued by Comenity Bank pursuant to a license by MasterCard International Incorporated.MasterCard is a registered trademark of MasterCard lnternatI o nal Incorporated.This card is issued by Cornenity Bank pursuant to a license bb Visa U.S.A. Inc.

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My BJs Perks Mastercard credit card. We are here to answer your questions and assist with your concerns.We understand your concern about the payment you made, in the...

amount of $768.90, being submitted for more than intended. I understand you would like the overage of $692.00 refunded to you, and only the amount of $76.89 applied to your account. I do apologize for any confusion or inconvenience this matter may have caused you. I attempted to contact you April 26, 2017, and April 27, 2017, on the telephone number ending in [redacted]; unfortunately, my attempts were unsuccessful. Please be advised, the balance on your account at the time you submitted your payment on April 7, 2017, was $768.90. The payment you submitted brought your account balance to zero. However, on April 29, 2017, a refund check for $692.00 was mailed to your home, as requested. This check may take 14 days to arrive. As of the date of this letter, the balance on your account is $692.00. 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] Compliance Dept. – Consumer Responses CC: Revdex.com Enclosures

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns.   We understand from your complaint, that you placed an order totaling $18.39...

on March 15, 2017, you were charged $11.40 for the item and $6.99 for shipping and handling. You were not satisfied with the item and you mailed it back using the packaging provided and the return shipping label. You state that Haband charges $9.99 for returns. You also state that your sisters account was credited $1.41, and it would be nice to have more credited to the account. I am happy to share my findings.   Please be advised that we have sent a separate letter to your sister, addressing the concerns noted in your correspondence, as we are prohibited from sharing account details with unauthorized third parties.   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,   Kaija M[redacted] Compliance Dept. – Consumer Responses   cc: Revdex.com

Comenity Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Bank issues the Peebles credit card. We are here to answer your questions and assist with yourconcerns.We understand that when making a purchase in the store, you were offered, and accepted, a...

magazinesubscription for one year. The associate assured you that you would be able to cancel at any time andthere would be no obligation. You state that the balance on your account is based only on the cost ofsubscription renewals and fees.You further state you have attempted to contact the magazines to cancel the subscriptions, but continue toreceive magazines with new “through 2018” labels. You state you will not be paying for any further charges,as you have paid while attempting to cancel the subscriptions.We apologize about any inconvenience or frustration this may have caused. The Bank has cancelled all ofthe magazine subscriptions that were linked to your Peebles account. The amount of $251.11 has beencredited for the magazine subscription charges, and associated late fees and finance charges. When thecredits posted to your account, a credit balance was the result. A refund check in the amount of $38.00 hasbeen issued to you, and should be received within the next 14 business days.Please be advised, we sent a request to the credit reporting agencies to remove the delinquencies fromFebruary, March, and April 2017 in reference to the Peebles account. Please allow the credit agencies upto 45 business days to update their records.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Diamond L[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

We received the complaint you sent to the Revdex.com of Central Ohioregarding [redacted] Credit. Your correspondence was forwarded to Comenity CapitalBank. The [redacted] Credit product is issued by Comenity Capital Bank (Bank) andserviced by Bill Me Later, Inc. [redacted] Credit is a payment option...

made available bymany merchants to their customers.Upon review, we have determined your complaint is with [redacted], not [redacted] Credit.Although both [redacted] Credit and [redacted] are owned by [redacted], we are separatecompanies. To contact [redacted] regarding your concerns, please use the contactinformation below:By Phone: 1-888-221-1161By Mail: P.O. Box 2394Omaha, Nebraska 68103We hope this letter explains and resolves this matter.

Dear [redacted]:Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Overstock Store credit card account. We are here to answer your questions and assist with your concerns.Your complaint states that you paid your...

account in full and was then charged a late fee. Furthermore, you state that you were not aware that you still had a balance owing because you did you receive any notification or billing statements. You are requesting to have the late fees credited to your account and for a refund check to be sent to you for the payment you made towards the late fees. In addition, you are requesting that the Bank update your credit bureau to show that your account was not delinquent. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you.Bank records indicate that you are enrolled in paperless statements and notifications are sent to [redacted], which is the email address you provided on July 10, 2015. Please be advised that on January 9, 2017, a statement was issued to you showing a balance of $23.89 with a payment of $23.89 due by February 4, 2017. Bank records further indicate that on February 6, 2017, you accessed the account center website and made a payment of $23.89. However, as a result of the payment being made after the due date, a late fee was assessed to your account.Please be advised that notification continued to be sent to you at the email address you provided showing that your account still had a balance owing. However, no payments were received for the months of March 2017 and April 2017. Therefore, late fees were assessed to your account and your account became two billing periods past due. When an account becomes two billing periods past due, it is reported to the national credit-reporting agencies as being 30 days delinquent.Bank records further indicate that your account has already received a courtesy late fee credit and is not eligible for an additional late fee credit. Comenity Capital Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are valid.Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agencies. We have found the information we reported is an accurate reflection of the payment history for your account. Therefore, this information will not be changed or removed from your credit bureau report.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]Compliance Dept. – Consumer Responses

Dear [redacted] Comenity Capital Bank received your complaint regarding the above-noted account.  As the Bank that issues Smile Generation Financial credit 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. Your complaint states that you were charged $183.96 in finance charges because you did not pay your promotional balance off by the plan’s expiration date.  You further state that your account was credited $100.00 in finance charges; however, you are requesting the remaining $83.96 be credited to your account because you were misinformed regarding how the finance charge would be assessed to your account.  We understand your concerns and apologize for any confusion or frustration this may have caused you. Our records indicate that on September 2, 2015, a purchase of $677.50 posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on September 2, 2016.  In addition, on September 8, 2015, a purchase of $303.80 posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on September 8, 2016.  For purchases on these plans, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account. Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance.  Please be advised that information regarding your promotional plans appeared on your monthly billing statements, under the heading, “details of your plans”.  I have enclosed your billing statements for your review. Please be advised that a statement was issued to you on August 21, 2016, showing a balance of $460.20 with a minimum payment of $27.00 due by September 16, 2016.  Under the “details of your plans” section of your statement, it stated that the promotional balance of $266.40 needed to be paid in full by September 2, 2016, to avoid paying accrued interest.  In addition, it stated that the balance of $193.80 needed to be paid in full by September 8, 2016, to avoid paying accrued interest.   The Bank received a total payment of $100.00 on September 2, 2016.  Please be advised that the payment did not pay your promotional balances in full.  As a result of the promotional balances not being paid in full by the plan expiration dates, the accrued interest of $125.46 was assessed to your account on September 2, 2016, and the remaining promotional balance of $174.40 was moved to revolving, which is subject to normal monthly finance charges.  In addition, the accrued interest of $58.50 was assessed to your account on September 8, 2016, and the remaining promotional balance of $185.80 was moved to revolving, which is subject to normal finance charges.  Our records further indicate the last payment of $444.16 was on October 7, 2016, which brought your balance to zero.  Although, Comenity Capital Bank did not find any errors with the account, our records indicate that a credit of $100.00 was issued to your account on October 7, 2016.  Please be advised we are unwilling to remove any additional fees, as they are valid.    I hope this information is helpful.  Should you have any additional questions or concerns regarding your 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 the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues DRAPER’S & DAMON’S credit card accounts, and we are here to help with account-related questions.  Your complaint was forwarded to my attention,...

and I appreciate the opportunity to assist you. You state that you made three separate purchases.  You purchased one silver necklace and a black/ivory jacket totaling $98.07, on September 14, 2015, or September 17, 2015, and payment for this purchase was made using your debit card.  You also purchased a black tiered dress for $98.07 which was ordered in September 2015, arrived in store in October 2015, and was paid by check 4680 on October 12, 2015.  The third purchase was a brown mesh jacket, a brown T, and two necklaces (aqua and brown) for $199.48, and this purchase was paid by check on November 18, 2015.  Although you have contacted the Bank on several occasions by phone and by mail to resolve this matter, your attempts have been unsuccessful.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.  Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns.  Please note, Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that.  It is never the Bank's intention to treat our customers in a less-than-satisfactory manner.  We have reviewed your account, and we are happy to share our findings.  We have enclosed copies of your monthly billing statements for your review.  Our records indicate that the above-referenced account was opened on September 14, 2015.  On September 14, 2015, a purchase of $98.07 posted to the account.  On October 2, 2015, a statement was issued reflecting a balance of $98.07, and a minimum payment of $20.00 due by October 28, 2015.     As no payment was received, a late fee and a finance charge were assessed to the account, pursuant to the terms and conditions of the Credit Card Agreement (CCA). On October 14, 2015, a purchase of $199.48 posted to the account.  On November 12, 2015, a late fee credit of $20.00 posted to the account.  On November 24, 2015, a payment of $199.48 posted to the account.            On December 30, 2015, a letter was sent from the Bank’s Billing Dispute team advising that only one purchase of $98.07 posted to the account, no payment of $98.07 had been received, and to please send in a copy of the front and back of the cancelled check.  We have enclosed a copy of this letter for your review. On February 16, 2016, we received a fax from your son [redacted], which included information regarding the payment of $98.07.  Please be assured, the payment of $98.07 has been credited to your account, and additional credits totaling $51.49 have been issued to remove the previously assessed late fees and finance charges.  As of today’s date, the account balance is zero.         Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the DRAPER’S & DAMON’S account, from your credit bureau report.  The Bank can confirm that this information has been updated in their records.           We hope you find this information helpful.  If you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely,   Laura R[redacted]

We received your complaint, addressed to the Revdex.com, regarding your DAVID'S BRIDALcredit card account. Comenity Capital Bank issues DAVID'S BRIDAL credit card accounts, and we respondto all account-related questions. Your complaint was forwarded to my attention, and I appreciate...

theopportunity to assist youWe understand from the complaint, you have scheduled payments via our online payment center; however,the payment dates were changed without your knowledge, and incorrect payment information was provided.Both of these scenarios resulted in your account being assessed late fees. You further state you emailedthe bank providing consent and authorization for Comenity Capital Bank to draft payments on the secondof each month, until the balance has been paid in full. You are requesting Comenity Capital Bank honoryour request to automatically draft monthly payments.We apologize for any inconvenience this matter may have caused you. We have reviewed your account,and would like to share our findings:On August 1,2016, you spoke with our Customer Care Department to advise you had scheduled a paymentthrough our online service, and wanted to make sure the payment was reflected in the Bank's system Ourrepresentative assured you, the system showed a payment of $101.00 was scheduled for August 1, 2016.In addition, you asked our Customer Care Representative, if Comenity Capital Bank offers recurringpayments. You were advised that the Bank does not offer this service; however, you could arrangerecurring payments through your personal banking service.On September 20, 201 6, you spoke with our Customer Care Department to advise you had scheduled anonline payment far September 2016, totaling $97.00, and scheduled another payment of $97.00, forOctober 3, 2016; however, your October billing statement reflected a late fee of $37.00. Our representativeadvised that you had updated the payment originally scheduled for withdraw on September 9, 2016, to bewithdrawn on October 3, 2016, leaving a payment due for September 2016. At that time, you requested tohave the late fee of $37.00 removed, which was granted, and advised you would schedule an onlinepayment of $97.00 to cover the September payment.On October 21, 2016, you spoke with our Payment Solutions Department, and were advised the requiredminimum amount due for September 2016 of $205.00, was not received and your account was currentlyone billing past due. You explained that you scheduled a payment of $97.00 for the September payment,and were unaware that a payment of $205.00 was due. Our representative advised, per your monthlystatement, the past due amount was $111.00, and the full amount due was $205.00. You requested tospeak with a supervisor to express your concerns regarding the late fee, and Comenity Capital Bank notoffering automatic monthly payments.Once transferred, our representative advised that due to your account previously being granted a late feeremoval, we were unable to grant an additional late fee credit within an 18 month period. The call was thentransferred to a Customer Care supervisor, who apologized that we did not offer recurring payments, andagain provided the alternative solution of setting up recurring payments through your personal bankingservice, which you declined. The supervisor advised Comenity Capital Bank has excused one late fees inthe last 18 months, and we are unable to remove another late fee; however, in the interest of customerservice, an additional late fee, totaling $37.00, was removed. Lastly, you were advised that payment needsto be received by the 13th of each month, and the account does not have a grace period.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement (CCA).In addition, Comenity Capital Bank does not offer the option of auto pay, and respectfully declines yourrequest to draft monthly payments for your DAVID'S BRIDAL credit card account. However, to provide thebest customer service possible, we offer multiple ways to make a payment. Choose a payment methodthat's right for you.Online: Online payments submitted before 8 p.m. Eastern Time (ET) can be credited to your account sameday.Online payments submitted after 8 p.m. ET will be credited the following day (or on your futurescheduled payment date). Please note that it may take up to two business days to complete the financialtransfer from your personal bank account to your DAVID'S BRIDAL account.Mail: Send your payment and payment coupon in the envelope that came with your billing statement. Werecommend allowing a week for the payment to arrive. If you're a paperless customer, print out a paymentstub 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 ofyour billing statement before 8 p.m. ET to speak to a customer care representative. A fee may apply tosame-day, expedited payments made with the representative.The above information, and more, can be found by visiting:http://www.comenity. net/comenity/UsingAccount/CustomerResourceCenterPlease note, your account will not be eligible for another late fee credit until May 2018.Should you have any further questions or concerns regarding this letter, please feel free to contact me at###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Geanine M[redacted]Consumer Relations SpecialistCC: Revdex.com

Dear [redacted]Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccount. Comenity Capital Bank issues the GameStop credit card. We are here toanswer your questions and assist with your concerns.We understand from you correspondence, submitted to...

the Revdex.com, that youcontacted the Bank paid your account in full and closed the account. In mid-May you received astatement with a late fee assessed to the account and you are not willing to pay this debt. Youare requesting the late fees removed and no derogatory information reported to you credit file.After a review of the account, a statement was issued to you on March 9, 2017, with a balance of$234.84 and a minimum payment of $36.00 due on April 4, 2017. As no payment was receivedby the due date a late fee of $27.00 and a finance charge of $2.90 was assessed to the account.On April 8, 2017, a statement was issued to you with a balance of $40.79 and a minimum paymentof $27.00 due on May 4, 2017. A payment of $234.84 was received on May 5, 2017, via ourautomated system, as this payment was received after the due date another late fee of $36.00and a finance charge of $4.79 were assessed to the account.On May 9, 2017, a statement was issued to you with a balance of $69.79 and a minimum paymentof $32.00 which was due on June 4, 2017. Enclosed are the statements mentioned above for yourrecords.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 the Bank finds these fees to be valid, we are unwilling to remove any fees.Please be assured the account was closed on April 15, 2017, per your request via our automatedsystem.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the Haband credit card.  We are here to answer your questions and assist with your concerns.   You state that although you have frequently called Haband...

to order items and paid with your credit card, in January 2016 while placing an order, you were coerced into accepting a Haband account.  You further state that you received a bill in May 2016 for $91.90, and at that time you and your daughter called the Bank since you knew that you did not owe this amount.  When you spoke with the Bank in May 2016 you were told that if you paid $52.90, nothing more would be owed;  however, a balance remained and you continued to receive statements.  Although you spoke with another representative in August 2016 who closed your account, per your request, and stated that you owed nothing, a balance still remained.  You are unsatisfied with the service you received when you contacted the Bank to resolve this matter.  You are requesting the account closed, and the balance credited.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.    Please understand that Comenity Capital Bank and Haband are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband 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 provided Smart Label for the return, your account is billed $9.99 for the cost of the return shipping.   We have reviewed the account and we are happy to share our findings.  Our records indicate that the Haband account was opened on January 27, 2016, when you contacted Haband 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.  We apologize that the adjustments were not made to the account in a timely manner.  In the interest of customer service, we have issued credits totaling $57.00 to remove the previously assessed late fees and finance charges.  These credits posted to the account on November 28, 2016, and resulted in a zero balance.         Based upon your complaint, the Bank reviewed the applicable phone conversations.  Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.  Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that.    Since your correspondence states you did not intend to apply for this credit card account, the account was closed and notification was sent to the credit-reporting agencies to delete the account and the inquiry associated with this account from your files. This update should appear on your credit file within the next 45 calendar days.    You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####.  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 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### 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.   I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.

Dear [redacted]We received your additional complaint regarding the above-referenced account. ComenityCapital Bank previously issued American Laser Skincare credit accounts, and we are here tohelp with 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.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on October 19, 2015. In that response, you were advised that a credit wasissued for the unused treatments. We have enclosed a copy of our previous response for yourrecords.As of the date of this letter, the account balance is $1,518.79. We consider this remainingbalance to be valid.We apologize for any inconvenience this matter may have caused you. Should you have anyadditional questions or concerns, please contact me at ###-###-####, ext. [redacted](TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Zales credit card. We are here to answer your questions and assist with your concerns.   You state in your complaint that you continue to receive collection...

notices from the Bank due to an ongoing billing issue that you have attempted to resolve with Zales. Prior to making your purchase in February 2017, you set the account up on automatic payments, which were linked to your credit card. You assumed that when you made the purchase that your account would be automatically deducted. Two months later you received a phone call from collections. Then you were contacted by a representative from the Bank, who you state was rude and would not waive any of the late fees. You further stated that the representative would not provide you with the Corporate phone number for the Bank or provide instructions on how to set up automatic payments to avoid late fees.   You state that you filed a complaint with Zales Corporate to no avail. However, you were informed that a representative from the Bank would reach out to you, but you never received a call. You state that your credit score has been impacted by this matter and you are considering legal action as the Bank violated the Fair Credit Reporting Act. You request all of the late fees waived, and the credit reporting corrected, once you pay off the balance.   I have reviewed the concerns noted in your correspondence and would like to provide you with the following information. Please note that Zales and Comenity Capital Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Zales is responsible for handling matters related to sales, merchandise processing, returns and shipping. Therefore, Zales would not have been able to assist you with the Zales account.   A purchase was charged to the account on February 13, 2017, for $79.49. A billing statement was issued on March 1, 2017, with a balance of $79.49 and a minimum payment of $25.00 due by March 27, 2017. 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. Since no payment was received by the due date, a late fee and finance charge were assessed to the account. Additional billing statements were issued April 1, 2017, and May 1, 2017. Due to no payments made the applicable late fees and finance charges were assessed to the account.   A billing statement was issued June 1, 2017, with a balance of $183.22 and a minimum payment of $50.00 due by June 27, 2017.   We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.   When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reporting. Many times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current status. Please note that the collection calls were from the Bank. During the phone call on May 22, 2017, there was no request for a Corporate phone number for the Bank. Additionally, the representative did offer to transfer you to Customer Care to provide you with the online information. When you spoke with the Bank on June 12, 2017, the representative assisted you with a payment of $50.00 and removed a late fee in the amount of $37.00.   A billing statement was issued July 1, 2017, with a balance of $99.32 and a minimum payment of $25.00 due by July 27, 2017. A payment was not received by the due date and a late fee and finance charge were assessed to the account.   Comenity Capital Bank does not offer automatic payments as a payment option; therefore, the account was not set up on automatic payments. To register online to make payments in the future, please ensure that you are visiting the website: https://comenity.net/zalesoutlet. To provide the best customer service possible, we offer multiple ways to make a payment. Choose a payment method that's right for you.   In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same day. Check the back of your billing statement to see if in-store payments are available for your account.   Online: Online payments submitted through the Bank’s online Account Center before 8:00 p.m. Eastern Time (ET) will be credited to your account on the same day, unless you select a date in the future. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a future scheduled payment date).   Mail: Send your payment and payment coupon in the envelope that came with your billing statement. We recommend allowing up to 10 days 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/UsingAccount/CustomerResourceCenter   We applied a courtesy late fee credit to your account on June 12, 2017, as such, we respectfully decline your request to credit any additional late fees.   We understand your concern regarding your credit report. We have verified we are reporting the account correctly to the credit reporting agencies as we are required by law.   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,   Kaija M[redacted] Compliance Dept. – Consumer Responses   cc: Revdex.com

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the Diamonds International credit card. Weare here to answer your questions and assist with your concerns.We understand from your correspondence, submitted to the Better...

Business Bureau, that youpurchased a watch, in the amount of $4548.00, while on vacation. Upon receiving your statement,you noticed that you were charged for two watches and the balance on the account was $9096.00.You are requesting that the balance is corrected to reflect the purchase of one watch for $4548.00.Additionally, you state that the first payment is due July 21, 2017, and you have sent $400.00.We received your dispute on July 12, 2017, in the amount of $4548.00 for a watch. Please beassured our dispute resolution team is currently working to resolve your dispute. Please also beaware, dispute investigations may take up to ninety days to complete. Upon completion of ourinvestigation, we will notify you of our findings by mail. We appreciate your patience while weconduct our investigation.In regard to the payment of $400.00, please be assured this payment was applied to the accounton June 14, 2017.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact customer care at the phone number on the back of your credit card or billingstatement.Sincerely,Renee S[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com