Comenity Capital Bank

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]

Sent: Monday, July 31, 2017 8:56 AMTo: [email protected]: Extension Request for Complaint Received [ ref:_00D50JV5F._50050wmc53:ref ]Good morning,Comenity Capital Bank received the complaint for 12296548 - Brenda Poage. In order to properly research this complaint, we...

require additional time to complete our investigation. We would like a due date extension until 8/15/17. Please let me know if this extension date is not approved. Thank you,

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 Ms. [redacted]We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal Credit. Your correspondence was forwarded to ComenityCapital Bank. The PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, Inc. PayPal Credit is...

a payment option made available bymany merchants to their customers.Your complaint states you made a purchase through PayPal then received an emailnotifying you your purchase was made using PayPal Credit. You state you calledPayPal Credit and were advised PayPal Credit was unable to change the fundingsource for your purchase. You are requesting that PayPal Credit remove the purchaseand charge it to your credit card.PayPal Credit's records reflect your PayPal Credit account was opened on December13, 2010, with an online purchase of $23.45 through eBay. In order for an application toprocess with PayPal Credit and an account to be opened, the consumer must providetheir name, date of birth, last four digits of their social security number, and agree to andaccept the electronically presented Terms and Conditions at the time of purchase.Upon receipt of your complaint, PayPal Credit reviewed your account and found youmade a purchase in the amount of $335.00 on October 21, 2015, from [redacted]During the PayPal checkout process for this transaction, you selected PayPal Credit asyour funding source. It important to note that PayPal Credit is not your default paymentmethod; however, PayPal Credit was proactively selected as the payment method forthe purchase during the check-out process. In an October 23, 2015, phone call withPayPal Credit, you were informed you could contact the merchant to cancel yourtransaction and re-purchase your item using your credit card because PayPal Creditcannot change the funding source you selected for your purchase.PayPal Credit understands you would prefer to make your payment with a credit card;however, currently, PayPal Credit does not accept credit or debit cards as forms ofpayment. PayPal Credit offers several convenient ways to make a payment for yourpurchase:Pay online: Log in to your PayPal Credit account and click Payment Center tomake a payment using your checking or savings account (we do not acceptcredit card payments). There is no fee for using this service, and you canschedule a payment for the same day or for a future date. To count for the sameday, payments must be made by 11:59 PM PT. Please ensure you have thecorrect routing number and account number for your bank account.Pay with PayPal: If your PayPal Credit account is linked to your PayPal account,you can pay online at PayPal.com using the checking or savings accountassociated with your PayPal account, or your PayPal balance (we do not acceptcredit card payments). To count for the same day, payments must be made by1 1 :59 PM PT.Pay by mail: Send a check or money order (we do not accept cash) to theaddress below. Be sure to include your payment coupon or write your accountnumber on your payment. You will also want to allow plenty of time before yourdue date for your payment to reach us on time to avoid a late payment fee. Sendyour payment to:PayPal CreditPO Box 105658Atlanta, GA 30348-5658Pay by phone: You can pay through our automated system by calling ###-###-#### (available [redacted]) and following the prompts to schedule a payment. It is freeto use this service.We hope this letter explains this matter.Sincerely,Laura C[redacted]

I think I have collected all the information you asked for. Iwas advised to use [redacted] for my dental work. I madethe appointment and had my assessment. I was supposed to get thepayment plan for 12 months no interest. Being as an unapprovedperson (Doctor [redacted]) wrote up my contract, somehow it waschanged. I made many visits to the firm, for adjustments. I calledthe Corporate office and was told to make an appointment. I madethe appointment plenty early. I was called to the office, and wastold the Doctor refused to work on my dentures. I left the office .very sad, they kept my teeth. They returned a check to either[redacted] or COMENITY BANK, I do not know which.The check for $2208.00 That [redacted] Returned was for a procedurethey did not perform. That should have lowered my loan, they usedthat money as payment. I paid $4000.00 out of my pocket, andthey used the $2208.00 as payment. That means I paid $6208.00 ona $4963.00 loan. I think somebody owes me some money. Theyshould also pay me interest for my money, that they illegally kept.Between the three companies ([redacted], DENTALFIRST, and COMENITY BANK) they have extra money. I calledDental First three times for a dispute, but it never happened.

.....Please see attached response....

Dear [redacted]:  Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues Haband 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 ordered some clothing from Haband and when it arrived, you immediately returned the product using the return label provided in the original packaging.  You further state that you received a phone call from the Bank in October 2014, attempting to collect on the past due amount.  Although at the end of the conversation you understood the matter to be closed, with no further action required by you, you continue to receive collections calls.  You are requesting the account balance be 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 your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping.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 label for the return, your account is billed $9.99 for the cost of the return shipping.On September 25, 2015, Haband issued a credit of $15.96 to remove the shipping and handling charge and the return label fee.  In the interest of customer service, the Bank has issued credits totaling $182.85 to remove the late fees, and finance charges which were previously assessed.  As of today’s date, the account balance is zero.Due to this account being reported as a charge off, on September 10, 2015, Comenity Capital Bank sent a request to the credit bureaus to delete the Haband account from your credit report.  We can confirm that this information has been updated, and is no longer appearing on your credit bureau report.We hope you find this information helpful.  If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.Sincerely,Laura R[redacted]

Dear [redacted]We have received the complaint regarding the above-noted account. Comenity Capital Bankissues Your Tuition Solution credit accounts, and we respond to all account-related concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention, and...

Iappreciate the opportunity to assist you.In your complaint, you state that you financed your daughter’s Brain Balance program on youraccount and the purchase was placed on a 24 month interest free financing promotional plan.You further state that you opted to receive electronic statements and were only able to view thefirst page of the statement; however, you were making payments of $250.00 a month, whichwas more than the required minimum payment due. You further state that when you went tomake your final payment this month, you saw that your account was charged $1,601.00 for theaccrued finance charge. You are requesting that the accrued finance charge assessed to youraccount be waived. I understand your concerns and apologize for any inconvenience orfrustration this matter may have caused you.Our records indicate that on March 19, 2014, a purchase of $6,100.00 posted to your accountand was placed on a 24-month deferred interest, payment required plan that was set to expireon March 20, 2016. For purchases on these plans, the customer is required to make paymentson 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 fullby the plan end date, the accrued finance charges, which were calculated from the date of theoriginal purchase, will be added to the deferred balance, and this balance will be moved to thecustomer’s revolving balance. Please be advised that the information regarding yourpromotional plans appeared on your monthly billing statements, under the heading, “details ofyour plans”. I have enclosed your billing statements for your review.Please be advised that a statement was issued to you on February 22, 2016, showing a balanceof $375.00 with a minimum payment of $27.00 due by March 19, 2016. Under the “details ofyour plans” section of your statement, it stated that the promotional balance of $375.00 neededto be paid by March 20, 2016, to avoid the accrued finance charge. As a result of thepromotional balance not being paid in full by the plan expiration date, the accrued interest of$1,506.61 was assessed to your account on March 20, 2016, and the remaining promotionalbalance of $125.00 was moved to revolving, which is subject to normal monthly financecharges.Although Comenity Capital Bank did not find any errors with the account, in the interest ofcustomer service, a total credit of $754.00 was issued to your account on April 25, 2016.Please be advised we are unwilling to remove any additional fees, as they are valid.Your payment of $783.57 was received on May 5, 2016, and the account has a zero balance.We hope that this information is helpful. Should you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W[redacted]

On the Comenity website, when you go to past payments it shows all my payments being made on the 10th or before. I should have not late fees. I've attached a screenshot from my Comenity website account for proof
Regards, [redacted]

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

opportunity to assist you.We understand from your complaint that you purchased a computer with HSN, and you state the purchasewas to be placed on a deferment plan for 12 months with no interest. While reviewing your account, yourealized that the purchase was not placed on a deferment plan. However, you state that it was on allstatements you received. You are requesting that we issue credit for all the finance charges associated tothe purchase of the computer on October 12, 2075. We apologize for any frustration or inconvenience thismatter may have caused you.Please be advised that Comenity Capital Bank and HSN are two separate entities. Comenity Capital Bankis responsible for addressing questions related to the HSN account, while HSN is responsible for handlingmatters related to sales, deferment plan offers, contracts, charges and refunds.We reached out to HSN on your behalf regarding the purchase. HSN advised that they were unable toreview the call that was placed to order the computer, as it was too long ago. However, they were able toreview account notes and they found no contact from you regarding the purchase not being placed on adeferred promotional plan. If you have further questions regarding this, please reach out directly to HSN todiscuss the purchase that was not placed on the deferment plan.Comenity Capital Bank has reviewed the billing statements issued to you regarding the computer purchase.The billing statements did not indicate a promotional plan for the computer. RegreZtably, Cornenity CapitalBank declines your request for reimbursement of the finance charges, as these charges are valid.As of the date of this letter, your account has a revolving balance of $1,249.34. If there is a revolvingbalance on your account at the end of each billing cycle, finance charges will be assessed monthly, pursuantto the terms of the Credit Card Agreement.Should you have any additional questions or concerns, please da not hesitate to contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Rosa M[redacted]

Comenity Capital Bank (Bank) has received correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the Barneys New York credit card. We are here to answeryour questions and assist with your concerns.The correspondence, sent from [redacted] Trust, is requesting...

a validation of debtfor the above-noted account. This letter is for informational purposes to respond to thecorrespondence and is not an attempt to collect on this balance. Please find a summary of yourBarneys New York account below. Enclosed you will find a copy of your Credit Card Agreement(CCA) and copies of your billing statements showing the account activity that resulted in theaccount balance and payment history, which are reporting to the credit reporting agencies.Your account was opened on February 12, 2016; use of the account or failure to close the accountwithin 30 days of receiving the CCA indicated your acceptance of the terms of the Agreement,including the assessment of any finance charges and fees. The last purchase of $1,576.99 wasmade on February 12, 2016; and the last payment of $80.00 was received on February 2, 2017.Your account was charged off due to nonpayment on July 6, 2017, and was later sold to [redacted]Credit on September 25, 2017. After reviewing our records, we have found the credit reporting foryour account to be accurate as a “Charge-off” that was purchased by another entity.When an account is sold to another entity, the outstanding balance from the former creditorbecomes zero. Since your account was sold, we are reporting a zero balance owed to ComenityCapital Bank as of the date of the account transfer.Please note that the purchasing entity may begin to report your account under its name as thenew creditor, so it is possible for your account to appear on your credit report under both theoriginal creditor (with a zero balance) and the new creditor.I hope you found this information to be helpful. for any additional information about your account,you will need to contact [redacted] Credit at ###-###-####.SincerelyKristina W[redacted]Compliance Dept. – Consumer ResponsesEnclosurescc: Revdex.com

Dear Ms. [redacted] Thank you for contacting the Revdex.com regarding the above-noted accounts.  Comenity Bank issues your meijer® and Pottery Barn credit card accounts, and we respond to all account-related concerns. Your correspondence was forwarded to my attention, and I appreciate...

the opportunity to assist you. I understand your concerns regarding the inquiries that have reported to your credit file, which you state you did not authorize, and you would like them removed. Please be assured that I have reviewed your accounts and our records indicate that a credit limit increase was requested on September 8, 2016, via the Bank’s Account Center for the meijer® account. Additionally, a credit limit increase was requested on the Pottery Barn account, when you contacted our Customer Care department by telephone.  Please understand that by accepting the terms and agreements of the Bank, you provide permission for the Bank to review your credit bureau report should that be needed.  However, please understand that a credit bureau review is not always necessary. As a courtesy, on September 16, 2016, a request was sent to the credit-reporting agencies with instructions to remove the hard  inquiries from your credit file.  Please note, due to their compliance policies, the credit bureaus do not delete inquiries from a consumer’s credit bureau report.  However, when the Bank requests that an inquiry be removed, the credit bureaus will change it to a soft inquiry.  This means that the inquiry only appears when the customer pulls his or her own credit report.  A soft inquiry does not appear on a consumer’s credit report that is provided to a lender or any other authorized party, and it does not impact the consumer’s credit score.  Therefore, you will continue to see the inquiry on your credit report, but it will not be visible to anyone else who may pull your credit report.  Please allow 45 days for these updates to be reflected. We hope the information provided is helpful.  If you have any further questions or concerns regarding the accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist. Sincerely, Justina M[redacted]

This response ignores the fact that I am still to this day unable to log into the https://comenity.net/zalesoutlet site to pay off the entire balance that has accrued. This is exact reason why my balance has continued to accrue late fees regardless whether comenity does or does not offer automatic payments. Therefore, why am I being held accountable for late fees when comenity has failed to offer assistance with me trying to log into their site to pay off the balance. In addition, as stated in Kaija's response letter "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". This statement is entirely false because I have received zero telephone calls or written communication to resolve this matter. I am more than willing to provide my call records going back the past 4 months to prove that no one has attempted to resolve this matter. At this point because my credit rating has been affected, I have now hired an attorney and am in the process of filing a lawsuit against Comenity. If comenity had made the proper contact attempts like they claim and provided accurate responses it would have been able to save them the money that it will cost for litigation.

Dear Mr. [redacted]: We recently received a complaint, addressed to the Revdex.com, regarding the GameStop PowerUp Rewards™ credit card account. Comenity Capital Bank issues GameStop PowerUp Rewards™ credit card accounts, and we respond to all account-related inquiries. I...

appreciate the opportunity to assist you. We understand from your complaint, on March 15, 2015, a GameStop PowerUp Rewards™ application was fraudulently submitted using your identify. As soon as you were notified by your credit monitoring service of the application on March 17, 2015, you contacted GameStop and Comenity Capital Bank. At which time, you completed all the required documentation needed to file a fraud claim. You were assured that the matter was resolved, however, a recent review of your credit file indicated that the fraudulent account was still reporting as an open account with a balance of $1,411.00. You are requesting the Bank correct the information reporting on your credit file. After a thorough investigation, our records indicate that a request was sent to the credit-reporting agencies on June 17, 2015, with instructions to delete the GameStop PowerUp Rewards™ account, in its entirety, from your credit file, due to a fraudulent application. We apologize if the information was not updated at that time. Our records further indicate that you contacted our Account Protection (Fraud) team on December 28, 2015, regarding the GameStop PowerUp Rewards™ account still reporting on your credit file. As a result, Comenity Capital Bank sent a second request to the credit-reporting agencies to delete the above-noted account from your credit file on December 28, 2015. Please be advised that it may take the credit-reporting agencies 45 days to update their records. Since you have been a victim of identity theft, we encourage you to place a fraud alert on your credit file. This will advise potential creditors that you have been a victim, and additional verification will be required before an account can be established. Please be aware it is only necessary to notify one of the agencies, and they will notify the others. The credit bureaus may be reached using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 PO Box 390 PO Box 740241 701 Experian Parkway Springfield, PA 19064 - 0390 Atlanta, GA 30374 - 0241 Allen, TX 75013 - 0036 ###-###-#### ###-###-#### ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com We hope you find this information to be helpful. Should you have any further questions, please contact our Account Protection (Fraud) team at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you. Sincerely,  Lauren S[redacted]

We received a complaint, addressed to the Revdex.com, regarding the abovereferencedaccount. As the bank that issues Your Tuition Solution credit accounts, we are hereto assist with account-related questions. I appreciate the opportunity to respond to your concerns.In your complaint you...

state that you are mailing your payment seven days before your due date;however, the payment is posting to your account late. As a result, you state your account is beingcharged late fees. You are requesting that these fees be waived. We understand your concernsand apologize for any frustration this may have caused you.Our records indicate that the due date on your account is on the 19th of every month and for themonth of June 2016, the Bank received your payment after the due date; therefore, a late fee wasassessed to your account. Please be advised that on July 12, 2016, a credit of $27.00 was issuedto your account for the late fee. Furthermore, please be advised that when a late fee is assessedto your account, the minimum payment will increase. Your payments of $500.00 in July andAugust did not satisfy the full minimum due; therefore, additional fees were assessed. Althoughthe Bank did not find any billing errors, we have issued an additional credit of $37.00 for the latefee that was previously assessed to your account.Please be advised that Comenity Capital Bank offers the option to make payments online throughour Account Center website. Payments that are scheduled online before 8:00 p.m. Eastern Timewill post the same day. You may register your account for online access at http://comenity.net/yourtuitionsolution.I hope that the information I provided is helpful. Should you have any additional questions orconcerns, please do not hesitate to contact me directly at 1-800-675-5685, ext. [redacted](TDD/TTY 1-888-819-1918). I would be happy to assist you.Sincerely,Jenny W[redacted]Consumer Relations Specialist

Dear Ms[redacted]:We received your additional complaint, addressed to the Revdex.com, regarding yourDAVID'S BRIDAL credit card account. Comenity Capital Bank issues DAVID'S BRIDAL creditcard accounts, and we respond to all account-related questions. Your complaint was forwardedto my attention, and I appreciate the opportunity to assist you.Please note, Bank records indicate this matter has been investigated, resolved, and responses,dated August 26, 2016, and October 31, 2016, were previously issued. I have enclosed copiesof our previous responses for your review.We value you as a customer, and hope you find this information to be helpful. If you have anyfurther questions, please contact me directly at [redacted], ext. [redacted] (TDD/TTY [redacted]
[redacted]). I will be happy to assist you.Sincerely,Consumer Relations SpecialistCC: Revdex.com

I have spoken to several representatives at this company by phone. NO ONE seems to know how they came up with balance that they say I owe. My contract was for complete services. This type of service requires all treatments for results. American Laser filed bankruptcy. The full amount should have been written off. No one has disclosed the details of the bankruptcy. As a consumer, you are asking me to pay for services that were incomplete and useless (A waste of my time and money). Again, I am disputing the balance you continue to harass me for (via phone, email and mail). I read your letter. I understand your letter. However, I do not agree with the content of your letter. Resending the same letter does not address the dispute that I have not received the services that you are billing me for.Sincerely,
[redacted]

Please find the enclosed statement and receipts and packing slips from Roman's Comenity and a bill from Woman Within. I have never ordered from Woman Within and I dispute any charges that they are billing me for. Please let me know if further documentation is needed.Thank you,[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Smile Generation Financial credit card accounts. We are here to answer your questions and assist with your concerns. The...

Bank received your complaint, in which you state that the Bank refused to give you a due date that you could meet. You further state that you have been making $25.00 payments each month, as that is all you could afford. You also state that your account continues to be charged late fees and finance charges. Furthermore, you are dissatisfied with the work you received from Grove Dental Group. You are requesting that all the fees be waived and the Bank send you a statement showing what you truly owe. We understand your concerns, and apologize for any frustration or inconvenience this may have caused you. Please be advised that the due date for all Smile Generation Financial customers is the 16th of the month, and at this time we are unable to adjust the due date. Our records indicate that on September 7, 2016, the Smile Generation Financial account was opened in the name of [redacted]. A purchase of $1,867.50 was charged to the account on the same day. Please note that Comenity Capital Bank, Smile Generation Financial and Grove Dental Group are all separate entities. The Bank issues and is responsible for addressing questions related to your credit account. Smile Generation Financial assists with financing and payment arrangements for elective dental procedures. Grove Dental Group is responsible for handling matters related to services provided. For issues regarding the quality of service received, we ask that you contact the provider directly. Please be advised, when the Bank’s records show that the full minimum payment amount due was not received by the due date, a late fee will be assessed to the account, as explained in the Credit Card Agreement. Bank records indicate that for the months of April 2017, May 2017, and June 2017, the Bank either did not receive the required minimum payment or did not receive a payment at all. As a result, late fees were assessed to your account. I have enclosed your billing statements for your review. 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 Bank has not found any errors on your account, and we are unwilling to waive 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, Jenny W[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Capital Bank issues the HealthiPlan credit account. We are here to answer yourquestions and assist with your concerns.We understand from your correspondence that you felt pressured into...

buying hearing aids. At the timeyou made the purchase, you provided a bank card to be placed on file and believed you were enrolledin an option for autopay. You state that all of your bills are auto pay, and you do not answer calls fromtelephone numbers you do not know, so you had no communication with the Bank for some time.Upon receipt of a letter from the Bank four months later, you immediately attempted to remedy thismatter by making a payment. You further state you had been throwing out mail from the Bank, as youdid not know who these letters were from. When you spoke with the Bank, you were told the Bankdoes not offer autopay; however, you could leave a new card on file. You have received over eightmonths of $40.00 fees, which you feel you do not deserve. You are requesting to have the feescredited, an autopay system instituted, and better communication from the Bank.We are sorry that you feel you may have been discriminated against. Please be assured ComenityCapital Bank does not take age or any other prohibited basis criteria into consideration when makingcredit decisions.closed are your billing statements and the promotional plan details also on the signed sales agreement, for your review.Please note Comenity Capital Bank, HealthiPlan, and Miracle Ear Hearing Aid Center are all separateentities. The Bank issues and is responsible for addressing questions related to your credit account.HealthiPlan assists with financing and payment arrangements for elective hearing solutions. MiracleEar Hearing Aid Center is responsible for handling matters related to services provided.The above-referenced account was opened on March 9, 2017. On March 17, 2017, a purchase of$6,000.00 posted to your account and was placed on a 60-month low annual percentage rate (APR),equal payment plan that will expire on March 24, 2022. Purchases on this plan will have a lower APRthan the regular revolving APR and will have minimum payments of the same amount each month.Please be advised that if the promotional plan balance is not paid in full by the plan end date, theremaining balance will be assessed interest at the regular revolving APR.We have enclosed copies of your monthly billing statements, signed sales agreement, and disclosures,for your review. Please keep in mind that when payments are not received, are made for less than the minimumrequired, or are received after the due date cut-off time, the account will be assessed a late fee, asexplained in the Credit Card Agreement (CCA).Furthermore, late fees assessed to the account are part of the revolving balance. Any time a revolvingbalance is carried over from one month to the next, interest will be assessed on that balance. If youraccount is assessed interest, the charge will be no less than $2.00, as explained in the CCA.When an account is delinquent, we will make proactive attempts to contact the customer, communicatethe situation and work out payment arrangements to minimize any negative credit reporting. Manytimes a payment is overlooked, and reminder calls or payment discussions are helpful to bring theaccount back to a current status.To provide the best customer service possible, we offer multiple ways to make a payment. Choose apayment method that's right for you.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 thefuture. Online payments submitted after 8:00 p.m. ET will be credited the following day (or on a futurescheduled 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, printout a payment stub on the online account management site so your payment is processed as quicklyas possible.Phone: If you need to make a same-day payment, you may call us at the phone number on the backof your billing statement before 8:00 p.m. ET to speak to a customer care representative. A fee mayapply 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/CustomerResourceCenterPle...⇄ note that at this time we do not have the capability to set up auto-pay payments for youraccount. We apologize for any frustration or inconvenience this may cause you. Please note that youmay be able to set up automatic payments through your personal financial institution. We recommendcontacting your bank to see what options are available to best suit your needs and to see if you canhave this account set up for automatic bill payment through your bank’s bill payment program.We understand your concern regarding your credit report, and the Bank fees assessed to the accountWe have verified we are reporting the account correctly to the credit reporting agencies as we arerequired by law.The Bank respectfully declines your request to remove the fees, as they are valid.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Laura R[redacted]Compliance Dept. – Consumer Responses