Comenity Capital Bank

4/26/16Dear M.s [redacted]I really appreciated all your help with my situation. I can not stand people like the Sahalie catalog company that try & take advantage of people. I am an older individual & have always paid for what I owe & never taken advantage of anyone!! Shame on these people!Thank you again for all your help & concern.Sincerely,[redacted]

Please be advised pertaining to this complaint I was advised by the agent that the restocking fee would be waved once I called back for the better model. Lenovo has had multiple complaints about the model that I ordered because the change to the Querty keyboard was not communicated in the product description or the technical documents. I should not be penalized because of a design change. I’m being charged interest on an account specifically acquired for the purchase of a laptop. None was delivered and now late fees and penalties have added up to well over $300.

Dear Ms. [redacted]We received the complaint you sent to the Revdex.com regarding PayPal Credit. Your correspondence was forwarded to Comenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, Inc. PayPal Credit is a payment option...

made available by many merchants to their customers.Your complaint states you received an email from PayPal Credit informing you the telephone numbers associated with your PayPal Credit account were changed and asking you to call PayPal Credit if you did not request the changes. You called PayPal Credit and were advised by the agent the call was an attempt to collect a debt. You are requesting PayPal Credit not contact you again and your balance be waived.PayPal Credit’s records reflect your account was closed due to delinquency on December 4, 2015. On January 4, 2016, your account was referred to an outside collections agency to collect the balance on your account.On March 16, 2016, the outside collections agency attempted to contact you at an alternate telephone number obtained through a skip tracing service. During this call, an unidentified third party stated the telephone number was not associated with you and requested the telephone number be removed from PayPal Credit’s system. To process the request, the outside collections agency contacted PayPal Credit and asked that all telephone numbers associated with your account be removed.PayPal Credit completed the request, and because your primary telephone number was removed from your account, you were sent an automated email on March 18, 2016 to confirm the change. We apologize for any confusion this may have caused.On March 18, 2016, you called PayPal Credit. Because your account was delinquent, you were advised by the agent that any information obtained during the call would be used to collect the debt. This disclosure is provided to all PayPal Credit account holders that call regarding past due accounts and is not in any way related to the e-mail you received.Upon receipt of your complaint, PayPal Credit recalled your account from the outside collections agency and placed a cease and desist on your account. You will no longer receive calls regarding your account; however, you remain responsible for the balance. As of April 6, 2016, your account is closed with a balance of $3,121.74.We hope this letter explains this matter.Sincerely,Christina W[redacted]

February 17, 2017     [redacted]         RE:       [redacted]
            [redacted]...

[redacted]
* Dear [redacted]:   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank previously issued the [redacted] credit card. We are here to answer your questions and assist with your concerns.   We understand from your complaint that you did not have enough payment information, and therefore you made your payment after the due date. You state you attempted to contact the Bank directly and the system would not allow you to make the payment as you did not have the account number. Due to this, the Bank reported the account past due to the credit bureaus. You request the Bank correct your credit report. I am happy to share my findings.   Please note in order to register on the Account Center website you must have the account number, which can be obtained from the monthly billing statements.   Bank records indicate a billing statement for the above-referenced account was issued September 23, 2016, with an outstanding balance of $213.02 and a minimum payment of $25.00 due by October 19, 2016.  No payment was received. A billing statement was issued October 24, 2016, with an outstanding balance of $242.69 and a minimum payment of $38.00 due by November 19, 2016. Again, no payment was received. A billing statement was issued November 23, 2016, with an outstanding balance of $282.84 and a minimum payment of $53.00 due by December 19, 2016. A payment of $53.00 was received on November 26, 2016. However, because two consecutive payments were missed, the account was reported as 30-days late in November 2016.   Although the Bank finds no error, in the interest of customer service, we have sent instructions to the credit bureaus to delete the 30-day late reported for November 2016. Please allow the credit bureaus 45 days to update their records.   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]
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[redacted]

We received the correspondence you sent to the Revdex.com (Revdex.com) regardingPayPal Credit and Comenity Capital Bank. Your correspondence was forwarded toComenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank(Bank) and serviced by [redacted] PayPal...

Credit is a payment option madeavailable by many merchants to their customers.Your correspondence states you purchased a bumper cover off of eBay using PayPalCredit; however, you found the item you received to be unsatisfactory. Further, your letteralso indicates the seller’s description of the item was vague and the pictures were directlyfrom the manufacturer, rather than pictures of the actual item you received. Yourcorrespondence also indicates you were advised to return the item in order to receive arefund, but you do not want to pay the shipping costs to return the item. Lastly, you arerequesting a refund for your purchase and to have the seller cover any return shippingcosts.Please note, although the address on your correspondence does not match the addresson your account, PayPal Credit confirmed through public records that both addresses linkto you. If you have changed your address, please contact PayPal Credit at [redacted] to update your information.PayPal Credit reviewed the concerns in your correspondence along with your accountand would like to provide you with the following information. On June 2, 2017, yourpurchase of $673.00 with [redacted] posted to your account. During this purchase,you selected a 24-month Easy Payments promotional financing option expiring on June26, 2019. This balance requires a minimum monthly payment and is subject to interestcharges with a promotional Annual Percentage Rate (APR) of 12.99%.PayPal Credit consulted with PayPal and found that on June 12, 2017, a refund of $23.01from [redacted] posted to your account and on June 14, 2017, you filed a disputeonline via PayPal’s Resolution Center for the remainder of your purchase claiming youwere not satisfied with the merchandise you received. On July 6, 2017, PayPal advisedyou were eligible for a refund via email. The email also indicated that in order to receiveyour refund, you would need to return the merchandise with a valid online tracking number confirming the items have been returned and delivered to your seller’s address. As oftoday’s date, PayPal Credit has not received your return shipment tracking information.You may fax this documentation to ###-###-#### or mail it to the following address:PayPal CreditAttn: Executive Escalations[redacted]Upon receipt of your correspondence, PayPal Credit reviewed your dispute anddetermined they are unable to issue a refund at this time. It is important to note, thedispute may not be decided in your favor if you fail to provide proof that the merchandisewas returned in its original condition. Further, you are responsible for paying the returnshipping costs. Please submit a valid online tracking number  We received the correspondence you sent to the Revdex.com (Revdex.com) regardingPayPal Credit and Comenity Capital Bank. Your correspondence was forwarded toComenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank(Bank) and serviced by [redacted], Inc. PayPal Credit is a payment option madeavailable by many merchants to their customers.Your correspondence states you purchased a bumper cover off of eBay using PayPalCredit; however, you found the item you received to be unsatisfactory. Further, your letteralso indicates the seller’s description of the item was vague and the pictures were directlyfrom the manufacturer, rather than pictures of the actual item you received. Yourcorrespondence also indicates you were advised to return the item in order to receive arefund, but you do not want to pay the shipping costs to return the item. Lastly, you arerequesting a refund for your purchase and to have the seller cover any return shippingcosts.Please note, although the address on your correspondence does not match the addresson your account, PayPal Credit confirmed through public records that both addresses linkto you. If you have changed your address, please contact PayPal Credit at [redacted] to update your information.PayPal Credit reviewed the concerns in your correspondence along with your accountand would like to provide you with the following information. On June 2, 2017, yourpurchase of $673.00 with [redacted] posted to your account. During this purchase,you selected a 24-month Easy Payments promotional financing option expiring on June26, 2019. This balance requires a minimum monthly payment and is subject to interestcharges with a promotional Annual Percentage Rate (APR) of 12.99%.PayPal Credit consulted with PayPal and found that on June 12, 2017, a refund of $23.01from [redacted] posted to your account and on June 14, 2017, you filed a disputeonline via PayPal’s Resolution Center for the remainder of your purchase claiming youwere not satisfied with the merchandise you received. On July 6, 2017, PayPal advisedyou were eligible for a refund via email. The email also indicated that in order to receiveyour refund, you would need to return the merchandise with a valid online tracking number confirming the items have been returned and delivered to your seller’s address. As oftoday’s date, PayPal Credit has not received your return shipment tracking information.You may fax this documentation to ###-###-#### or mail it to the following address:PayPal CreditAttn: Executive Escalations[redacted]Upon receipt of your correspondence, PayPal Credit reviewed your dispute anddetermined they are unable to issue a refund at this time. It is important to note, thedispute may not be decided in your favor if you fail to provide proof that the merchandisewas returned in its original condition. Further, you are responsible for paying the returnshipping costs. Please submit a valid online tracking number We received the correspondence you sent to the Revdex.com (Revdex.com) regardingPayPal Credit and Comenity Capital Bank. Your correspondence was forwarded toComenity Capital Bank. The PayPal Credit product is issued by Comenity Capital Bank(Bank) and serviced by [redacted], Inc. PayPal Credit is a payment option madeavailable by many merchants to their customers.Your correspondence states you purchased a bumper cover off of eBay using PayPalCredit; however, you found the item you received to be unsatisfactory. Further, your letteralso indicates the seller’s description of the item was vague and the pictures were directlyfrom the manufacturer, rather than pictures of the actual item you received. Yourcorrespondence also indicates you were advised to return the item in order to receive arefund, but you do not want to pay the shipping costs to return the item. Lastly, you arerequesting a refund for your purchase and to have the seller cover any return shippingcosts.Please note, although the address on your correspondence does not match the addresson your account, PayPal Credit confirmed through public records that both addresses linkto you. If you have changed your address, please contact PayPal Credit at [redacted] to update your information.PayPal Credit reviewed the concerns in your correspondence along with your accountand would like to provide you with the following information. On June 2, 2017, yourpurchase of $673.00 with [redacted] posted to your account. During this purchase,you selected a 24-month Easy Payments promotional financing option expiring on June26, 2019. This balance requires a minimum monthly payment and is subject to interestcharges with a promotional Annual Percentage Rate (APR) of 12.99%.PayPal Credit consulted with PayPal and found that on June 12, 2017, a refund of $23.01from [redacted] posted to your account and on June 14, 2017, you filed a disputeonline via PayPal’s Resolution Center for the remainder of your purchase claiming youwere not satisfied with the merchandise you received. On July 6, 2017, PayPal advisedyou were eligible for a refund via email. The email also indicated that in order to receiveyour refund, you would need to return the merchandise with a valid online tracking number confirming the items have been returned and delivered to your seller’s address. As oftoday’s date, PayPal Credit has not received your return shipment tracking information.You may fax this documentation to ###-###-#### or mail it to the following address:PayPal CreditAttn: Executive Escalations[redacted]Upon receipt of your correspondence, PayPal Credit reviewed your dispute anddetermined they are unable to issue a refund at this time. It is important to note, thedispute may not be decided in your favor if you fail to provide proof that the merchandisewas returned in its original condition. Further, you are responsible for paying the returnshipping costs. Please submit a valid online tracking number confirming the merchandisewas returned and delivered to your seller within 30 days of the date of this letter in orderfor this information to be added to your dispute case.As of July 17, 2017, your account is open with a balance of $668.05 and a minimum payment requirement of $18.06 due by July 26, 2017.We hope this letter explains and resolves this matter.Sincerely,Zachary B[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

No one is authorized to be using any of my personal information and if they are it is considered fraudulent activity and treated as such.  I do want any of my personal information being impaired by the actions of others and want to be ensured that my credit is not adversely impacted by actions of others.Regards, [redacted]

I reject their response due to failure to address the issue. refusal toaddress the issue and basically tell me I have...

no choice means they arentwilling to work with me on this issue. I am trying to resolve and they areunwilling to resolve it. they will not get anymore payments until we cancome to an agreement.

Hello Mr. [redacted].  Thank you for your message.  We understand from your complaint that you are upset because you are not able to use your card on-line.  After careful review of your account, you have a credit limit of $250.00 and a balance of $252.16, so because you are at your credit limit, we are unable to authorize any more charges.  If you are interested in requesting a credit limit increase, please call the number on the back of your card or you can submit one through the Account Center.Thank you

Dear [redacted]:We have received the complaint regarding the above-referenced account. Comenity Capital Bankissues Lending Club Patient Solutions credit accounts, and we are here to help with your accountrelatedquestions. Your complaint, addressed to the Revdex.com, was forwarded...

tomy attention, and I appreciate the opportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you financed dental treatments on youraccount with the purchase to be placed on a one year interest free loan; after the year was over,interest would only be assessed to the remaining balance. You further state that when youreceived your first statement, your minimum payment was $500.00. You contacted our CustomerCare Team to have you minimum payments lowered, and you were advised not to make the firstpayment. However, as a result of not making the payment, you received a phone call from theBank regarding your late payment. At that time you explained that you wanted your monthlypayments lowered; however, you state that the representative was not helpful. Furthermore, youscheduled automatic payments through your bank for $500.00 a month; however, your minimumpayment increased, and you were not aware of this until you received a phone call from the Bank.As a result, your account fell past due and you were reported to the credit bureau as delinquent.You are requesting that your account and credit bureau history be updated. We apologize for anyfrustration or inconvenience this situation may have caused you.Our records indicate that on May 16, 2016, a purchase of $6,000.00 posted to your account andwas placed on a 12-month waived interest, equal payment plan, set to expire on May 17, 2017.Purchases on this plan will not be assessed interest if the purchase is paid completely before theend date of the promotional period. At the end of the promotional period, any balance remainingon the plan is added to the regular revolving balance. The customer is required to make equalmonthly payments during the promotional period. For example, if the customer’s purchase is$1,200.00 and the plan lasts for 12 months, the customer is required to make an equal paymentof $100.00 each month. Please be advised that the information regarding your promotional plansappeared on your monthly billing statements, under the heading, “details of your plans”.Please be advised the minimum payment on your account is based on your purchase of$6,000.00. As a result of your purchase being placed on the 12-month waived interest, equalpayment plan, your minimum payment is broken up into equal payments for the 12 months.Bank records further indicate that a payment was not received for the month of June 2016. As aresult, a late fee was assessed to your account. On June 23, 2016, a statement was issued toyou showing a balance of $6,025.00, and a minimum payment of $1,005.00 due by July 19, 2016.A payment of $500.00 was received on July 6, 2016, and an additional payment of $500.00 wasreceived on July 19, 2016. However, as a result of the two payments being less that the required minimum payment of $1,005.00, a late fee was assessed to your account. Your account becameone billing period past due.On July 24, 2016, a statement was issued to your showing a balance of $5,060.00, and a minimumpayment of $510.00 due by August 19, 2016. The Bank did not receive a payment; therefore, alate fee was assessed to your account, and your account became two billing periods past due.As a result of your account being two billing periods past due, your account was reported as 30days delinquent to the national credit-reporting agencies.Although, Comenity Capital Bank did not find any errors with the account, we issued a total creditof $96.00 for the late fees that were previously assessed. However, we are unwilling to updateyour credit bureau history, as it is valid.We hope the information provided is helpful. Should you have any additional questions orconcerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY 1-###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]Consumer Relations Specialist

Dear [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 andassist with your concerns.I understand that you placed an order for a sports jacket, and...

returned it for a larger size, using thereturn address label furnished by Haband. You further state you received the larger size jacket, andit did not fit properly, so it was returned as well, using a second address label provided by Haband,and you never received a confirmation receipt of the return for either jacket.Please understand that Comenity Capital Bank and Haband are two separate entities. ComenityCapital Bank is responsible for addressing questions related to Haband credit card accounts, whileHaband 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 ischarged for the cost of the merchandise, as well as shipping and handling. When the merchandise isreturned, your account is credited for the cost of the merchandise only; shipping and handling is notrefunded. Also, if you use the provided Smart Label for the return, your account is billed $9.99 for thecost of the return shipping.Our records indicate a billing dispute was initiated on your account January 5, 2016, stating noresolution was provided by Haband regarding the return of either jacket. Please find enclosed theresponse to your dispute, sent on January 10, 2016, advising you that your account was charged two$9.99 return shipping fees, and for further assistance regarding Haband’s return guidelines to contactHaband directly at ###-###-####. In our response we also advised that in the interest of customerservice, the Bank issued additional credits totaling $102.51 to remove the late fees and any relatedfinance charges assessed to your account. As of the date of this letter, the account balance is $28.78.I hope you find this information to be helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####. I would be happy to assist you.Sincerely,Shelley A[redacted]

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced creditcard account. Comenity Capital Bank issues the HealthiPlan® credit account. We are here toanswer your questions and assist with your concerns.Your complaint state that you believe you are...

being overcharged interest and that you have beenassessed late fees the entire time. Although you have made monthly payments, the accountbalance stays at $2,500.00. You are asking the Bank to refund the interest charges.Enclosed is a copy of the Bank’s Credit Card Agreement (CCA), as well as the billing statements,which show the account activity that comprised the account balance. Use of the account or failureto close the account within 30 days of receiving the CCA indicated your acceptance of the termsand agreement, including the assessment of any finance charges and fees.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.Bank records indicate that your account is billing at a 27.24% Annual Percentage Rate (APR) andthe minimum due repayment amount is 4% of the balance. Late fees are assessed at the paymentdue date.As a result of multiple missed or late payments, the account has been assessed late fees, whichare valid fees. In addition, the account is being assessed finance charges as the balance iscarried month to month and has not been paid in full.The Bank finds the fees to be valid. However, as a one-time courtesy, we issued one late feecredit totaling $37.00 and the applicable finance charge of $2.00. We are unwilling to credit anyadditional fees.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Shawnda Y[redacted]

I did not login in to my account and request an increase. I rarely use this card so I would not have needed an additional increase. I have a fraud alert on my credit report for reasons such as this when someone request something that was not authorized by me. Remove this inquiry from my credit report or you will be hearing from lawyer. 
Regards, [redacted]

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

complaint that you are writing in regard to a letter you received dated January 27, 2017. You state that you never applied for a LinenSource credit card. You state you spoke with LinenSource and explained that you did not have a charge account, and you also advised that you did not receive the goods you were charged for; therefore, the debt was forgiven. You also advised the associate that you did not have a card, but to cancel the one that you were told you signed up for; however, you received a new credit card. You are requesting proof that you applied for this card. We apologize for the inconvenience this matter may have caused you.   Bank records indicate that the LinenSource account was opened via a Web Prescreen on February 15, 2016, in the name of Judith Shroads. On February 18, 2016, a purchase for $79.95 was applied to the LinenSource account. On February 20, 2016, another purchase of $103.09 was applied to your account. Your account billed on March 2, 2016, with a balance of $183.04 and a minimum payment of $20.00 due by March 28, 2016. We have enclosed copies of the billing statements for your records.   On March 14, 2016, a payment of $183.00 was received leaving a remaining balance of $0.04, which was credited as a small balance adjustment on April 2, 2016, leaving a zero balance. We have enclosed a copy of the check for your records.   On November 19, 2016, a purchase of $59.97 was applied to the LinenSource account. On January 11, 2017, the purchase was credited, as you advised that you did not make the purchase. Your account was also credited for the previously assessed late fee and finance charges.   Please be advised, that when an account is noted that a fraudulent purchase has been made, a new account will be established; therefore, a new credit card will be sent. Please be assured, that your LinenSource account was closed per your request on January 9, 2017.   In regard to the letter dated January 27, 2017, we have determined that the incorrect letter was sent to you. Please disregard the letter, as you were supposed to receive a letter indicating that the balance on your account was zero.   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]

Dear Ms. [redacted]:          Thank you for contacting Comenity Capital Bank regarding the above-noted account.  Comenity Capital Bank issues Simply Be credit card accounts, and we respond to all account-related concerns.  Your correspondence,...

addressed to the Revdex.com, was forwarded to my attention, and I appreciate this opportunity to assist you.We understand from your correspondence that you attempted to complete a payment via the automated telephone system on December 1, 2015; however, the automated system completed the payment before you were able to correctly enter your full checking account number.  Believing that this initial payment would not be processed, you completed an additional payment that same day. Later, you learned that the initial payment was processed with the partial information, causing it to be returned by your financial institution.  You are requesting to have the fees removed, and your credit report updated to correct any negative information with regard to this incident.  We apologize for any frustration or inconvenience this matter may have caused you.   We also understand that you are dissatisfied with the service that you received when contacting us regarding your payment.  Comenity Capital Bank does not condone that a customer be treated with disrespect at any time, and I certainly apologize if you were made to feel that way.  We are committed to providing the best customer service, and are disappointed when this standard is not met.  Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed.    Please be assured that the returned payment fee of $10.00 was credited on December 4, 2015, and the late fee of $20.00 was credited on January 15, 2016.  As of the date of this letter, the balance on your account is $178.99, and a minimum payment of $10.00 is due by February 4, 2016.Additionally, your account history has been updated in our records to indicate that your account has never been past due, and no negative information has been reported to the credit-reporting agencies with regard to your Simply Be account.   We hope this information is helpful to you.  Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I would be happy to assist you.Sincerely,Melissa L[redacted]

Dear Mr. [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 you received a credit inquiry on December 4, 2013, regarding aPayPal Credit application submitted in your name; however, you state you did notrequest to open an account. You would like proof the inquiry was the result of anapplication from you, otherwise you would like the inquiry removed from your creditreport.PayPal Credit's records reflect a PayPal Credit account was requested in your name onDecember 4, 2013, through eBay.com. In order for an application to process withPayPal Credit and an account to be opened, the consumer must provide their name,date of birth, last four digits of their social security number, and actively accept theelectronically presented Terms and Conditions at the time of purchase, which requiresthat you click the "Agree and Continue" button acknowledging that you were"...apply[ing] for credit ..." Please note an account was not opened in your name as aresult of this application. PayPal Credit sent you a letter dated December 16, 2013, thatstates PayPal Credit was "unable to retrieve a report from a consumer reportingagency." A copy of this letter is enclosed for your reference.Upon receipt of your present complaint, PayPal Credit found no credit inquiry was madeon December 4, 2013, in connection with the above application. Additionally, PayPalCredit confirmed no credit inquiries have been made in your name on any date prior tothe date of this letter. Furthermore, PayPal Credit referred your application forinvestigation and determined no fraudulent activity has been linked to the applicationsubmitted in your name.If you feel that you are a victim of identity theft, or there was attempted identity theftusing your identity, please be aware that it was unsuccessful in connection with thistransaction. However, there are some steps that we suggest you immediately considertaking: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 your existingaccounts. To do this, you can contact any one of the consumer reporting companiesmentioned below. If you contact any one of them, the one you contact is required tocontact the other two to place an alert on their files as well.Experian (TRW)PO Box 2002Allen, TX 75013800-31 1-4768www.experian.comEquifax OptionsPO Box 105873Atlanta, GA 30348800-685-1 11 1www.equifax.comTransunion Corp.PO Box 1000Chester, PA 19022800-91 6-8800www.transunion.com2. ldentity theft is a crime. You can file a report with your local police or the police in thecommunity where the crime took place. Many police departments have a specialldentity Theft Report, which is police report with more than the usual amount of detail. Ifthe detailed Identity Theft Report is available, we recommend that you obtain a copy inorder to protect your rights.3. You can go to the Federal Trade Commission website on identity theft atwww.ftc.govlidtheft. It contains additional information and refers you to resources thatcould be helpful in dealing with your situation.Should you have additional documentation showing PayPal Credit made an inquiry onyour credit bureau report, please send a copy of this documentation to PayPal Credit atthe below address so your concerns may be further investigated:PayPal CreditPO Box 501 8Timonium, MD 20194We appreciate the time you have taken to share your concerns with us. We hope thisletter explains and resolves this matter.Sincerely,[redacted]Compliance Dept. - Consumer Responses

Dear Sir,I now understand letter and your explanation concerning the amount that I have but I hadn't received any information not the way that it is explained to me. I never talked to anyone about the bill since March 17, 2016. I called Aspen Dental and asked to speak to someone in customer service and I would be (not legible) on hold, no one came to the phone to take to me. I never was told about the amount that I owed was 120.00 after credit. If I had been the amount it would never have gotten to this because I would have payed it.Yours truly[redacted]

Dear [redacted]   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.          Your correspondence indicates that all you owe is for two sweater vests at $5.97 each and a pair of stripe pants.  You state that you do not owe the balance of $306.30, and you continue to be billed late fees.  We sincerely apologize for any frustration or inconvenience this matter may have caused you.       Please note that Comenity Capital Bank, Blair, and Haband are separate entities.  The Bank issues and is responsible for addressing questions related to Blair and Haband credit card accounts.  Blair and Haband are responsible for handling matters related to sales, merchandise processing, returns and shipping.  Blair and Haband allow cross-shopping.   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.   On January 9, 2017, our Billing Disputes team received correspondence from you regarding the above-referenced account.  We reviewed the concerns listed in your correspondence and we are happy to share our findings.   We apologize that your name was misspelled on the above-referenced account.  Please be assured, we have corrected the spelling of your first name in our records.      Our records indicate a Haband purchase of $73.86 posted to the account on March 17, 2016.  This purchase consisted of the following items: One Printed Baseball Jacket, (Floral Print) for $24.99One Pearls Sweater, (Ivory) for $9.95One Sheer Woven Blouse, (Coral) for $7.99One Sheer Woven Blouse, (Teal) for $7.99One Pair Pull on Jeans, (Medium Blue) for $14.99One Pair Cotton Jeans, (Red) for $7.95.             On April 12, 2016, a return of $50.92 posted to the account, for the Baseball Jacket, Sweater, and both Blouses.  On April 11, 2016, a charge of $9.99 posted to the account for use of the Smart Label.       Our records indicate a Haband purchase of $35.98 posted to the account on May 6, 2016.  This purchase consisted of the following items: One Print Soft Pants, (Coral) for $18.99One Patch Leather Bag, (Burnt Orange) for $16.99. On June 7, 2016, a Haband purchase of $29.99 posted to the account for a Faux Leather Jacket in Pink for $29.99.   On June 9, 2016, a return of $35.98 posted to the account, for the Pants and Leather Bag.  On June 7, 2016, a charge of $9.99 posted to the account for use of the Smart Label. On September 9, 2016, a Blair purchase of $25.97 posted to the account.  This purchase consisted of the following items: Two Sweater Vests for $9.99 eachShipping and Handling for $5.99. If you have any further questions regarding your purchases made with Haband, please contact Haband’s Catalog Customer Service Department at ###-###-####. If you have any further questions regarding your purchases made with Blair, please contact Blair’s  Catalog Customer Service Department at ###-###-####. Please be advised your payments are due on the 7th of each month.  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, pursuant to the terms and conditions of the Credit Card Agreement. Although we find the late fees and finance charges assessed to the account to be valid, the Bank has made the decision to no longer hold you responsible for the remaining balance.  In the interest of customer service, we have issued credits totaling $271.25 to the account.  Your account balance as of today’s date is zero.  Per your request we have requested for the Haband and Blair catalogs to be cancelled.  Please allow four to six weeks for all mailings to cease.    I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.            Sincerely,   Laura R[redacted]

Their response is a fabrication of what had actually occurred and what I was told. The account was not closed, and that was confirmed when I was in the Zales store at Lakeside Shopping Center in Metairie, LA. My available credit was 3000.00 and the balance was zero.Further, in my 24 minute conversation with their representative, at 9:27 a.m., on December 5, 2016 I was given an account summary by their automated system. It too indicated an available credit of 3000.00 and a zero balance. That was prior to my conversation with a live representative who stated a hold was placed on my account because of an alleged "do not contact" they claimed I'd sent or told them. None of what is indicated in the response above was said. I was not told I'd have to re-apply and that my account had been closed. I was told I'd have to send a letter reversing what I ALLEGEDLY had told them about contacting me. If they recorded the call they KNOW what I'm saying is true. And I have PROOF of it as well.
Regards,
[redacted]

Dear [redacted]:   Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Victoria's Secret Angel credit card. We are here to answer your questions and assist with your concerns.   I understand you have been logging...

into the Bank’s online Account Center on the first of each month to pay the remaining amount of your minimum payment. However, you state there is a lag in the Bank’s website not posting your payment the same day, and you are being assessed late fees. You request the late fees be removed, as they should not have been assessed in the first place.   Please be advised, the due date on your account is the first of every month. Keep in mind 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.    Bank records indicate you logged into Account Center on March 2, 2017, and submitted a payment of $30.00.. Since the payment was not made by your due date of the first, a late fee was assessed.   A billing statement was issued on March 6, 2017, indicating a minimum payment of $30.00 due by April 1, 2017. A payment of $10.00 was received on March 15, 2017, and $5.00 was received on March 28, 2017.On April 3, 2017, you logged into Account Center and submitted a payment for the remaining $15.00. However, the full $30.00 minimum payment was not received by the due date; therefore, a late fee was assessed.   Our records indicate a late fee credit in the amount of $30.00 was applied to the account on May 2, 2017. We are unwilling to remove any additional fees, as they are valid.   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,K. W[redacted]  Kristina W[redacted] Compliance Dept. – Consumer Responses

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns.Your correspondence indicates you placed an order for a jacket through Haband...

and did not receive the jacket. However, your check for $28.93 was electronically deposited by Haband. You state that you placed another order for a jacket and were billed for it plus a late fee. You paid the bill in order to stop late fees. You provided evidence of the Haband check payment for $28.93 to the Bank, and are requesting a refund for $57.93.Please note Comenity Capital Bank and Haband are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Haband is responsible for handling matters related to sales, merchandise processing, returns and shipping.We have contacted Haband, on your behalf, regarding this matter and they have advised that check #[redacted] for $28.93 was cashed on September 15, 2017. Haband also advised that when the order was received, they did not have enough information to process the order, and it was placed on hold while attempting to contact you. When you called Haband on September 27, 2017, a new order was placed, which was charged to the Haband credit card, rather than a correction to the original order. Haband is generating a refund check which will be sent on December 26, 2017.As a courtesy, we have applied a credit of $29.00 to your Haband account for the associated late fee and minimum interest charge. The credit resulted in a credit balance on the account, and a refund check for $29.00 will be issued to you. Please allow up to 14 business days to receive the check, which will be mailed separately from the Haband refund check.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,Rachel R[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com