Comenity Capital Bank

Dear [redacted]:   Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Smile Generation Financial credit card. We are here to answer your questions and assist with your concerns.   We understand from...

your complaint, you have shared your feedback regarding the auto-payment, as a payment option. You missed a payment and called the Bank and requested the late fee be removed as a courtesy. You were informed that it hasn’t been 18 months since the last late fee waiver and you explained that the last late fee was waived due to the system not accepting your payment. You feel the Bank is very short and rude to you. You request the late fee of $27.00 removed as a courtesy. I am happy to share my findings.     We have reviewed the concerns in your correspondence, as well as the applicable telephone conversations. 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   Please note the due date is the 16th of each month. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement.   When you contacted the Bank on May 25, 2017, you were informed that the account was not eligible for a late fee credit, as a late fee credit was provided on February 3, 2016.   Due to no Bank error, we respectfully decline your request to remove any additional late fees.   For your convenience, we offer several payment options:     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 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 (800) 820-8932.             Sincerely,   [redacted] Compliance Dept. – Consumer Responses

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 Ms. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. Comenity Capital Bank issues My BJ’s Perks MasterCard account, and we are here to assist you with all account-related questions. I appreciate the opportunity to respond to your...

concerns. We understand from your complaint that you account was charged a $50.00 membership fee which you cancelled and did not want. You are asking that all fees be removed from the account and a letter issued to confirm you have a zero balance.Bank records indicate that on March 1, 2016, your account was credited a total of $138.00 which includes the late fees, and finance charges that were assessed to your account. This amount also included a policy adjustment to remove the membership renewal fee that was charged to your account that you cancelled. We hope this information is helpful and apologize for any frustration you experienced regarding this matter. Should you have any further questions, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Kristina W[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]

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]

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]

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

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

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.

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]

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.

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]

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]

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]

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 placed one order with Haband and sent a check with it.  You further state that although you were sent an ad for a credit card, you did not want a credit card and you threw away the offer; however, you started to receive billing statements.  You are requesting for the billing statements to stop, and for your name to be taken off the mailing list.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.  We have enclosed copies of your monthly billing statements for your review.  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.  We have reviewed our records, and we are happy to share our findings.  Our records indicate that the Haband account was opened on March 8, 2015, in the name of [redacted].  This account was opened 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.At the time the order was placed, you would have been asked if you were interested in opening a Haband account, based on the pre-approved credit offer.  The account was opened, and a purchase of $29.19 was placed.  This purchase consisted of four pairs of knit slacks.  Also on March 8, 2015, you were presented with an opportunity to accept the Haband VIP Plus membership offer.        Haband VIP Plus is an optional service that is offered through Haband.  This program offers a special introductory price of $1.99 for the first 30 days, and if the consumer does not call to cancel the membership within the first 30 days, the membership fee of $14.97 is automatically billed to the Haband account each month.  Cancellation may be made at any time with no further obligation.Please be assured, your Haband VIP Plus membership was cancelled on June 18, 2015, and the account has been credited for the membership charges that were applied to the account.The Bank issued additional credits totaling $63.92 to remove the previously assessed late fees and finance charges.  Your account balance, as of today’s date, is zero.Per your request, we have removed your name from all direct mailings.  Please allow 4-6 weeks for mailings to cease.  As you are stating that you did not want a credit card, and that you threw out the ad that was sent to you, in the interest of customer service, we sent notification to the national credit-reporting agencies with instruction to have the account deleted from your credit bureau report.  Please allow 45 days for the information to be updated in their records.You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####.  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.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.

Thank you for your additional complaint regarding the [redacted]’s credit card account.  Comenity Capital Bank issues [redacted]’s credit card accounts, and we are here to help with your account-related questions.  I appreciate this opportunity to address your concerns.   We understand from the complaint that you would like to permanently close your [redacted]’s credit card account.   Bank records indicate that your [redacted]’s credit card account was closed on December 31, 2015.   We hope this information has been helpful.  If you need assistance with your account, please do not hesitate to contact me directly at 1-800-675-5685, ext. [redacted] (TDD/TTY 1-888-819-1918).  I will be happy to assist you.   Sincerely,   Kristina W[redacted] Consumer Relations Specialist

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

appreciate the opportunity to assist you. We understand from the complaint that you were making a purchase using your HSN credit card and the transaction declined. When you went online to the Account Center website your balance was $1,666.15 and your credit limit is $1,700.00; therefore you believe you should have had an available credit of $33.84. You further state that you called in to the Customer Service line and spoke with a representative who sated your available credit was -$32.00 because you made a $60.00 purchase, which you state is not true. We understand your concerns, and sincerely apologize for any inconvenience this matter may have caused you. We have reviewed the issues in your complaint as well as the applicable telephone conversations. 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. After a thorough investigation our records indicate on April 18, 2016, you had a balance of $1,666.15 with an available credit of -$32.00. The negative credit balance was due to a pending transaction of $67.88 that was processed on April 01, 2016. Please understand when a transaction is pending it will take away from the available credit, once the transaction posts to the account at that time it will reflect on the total balance. Upon review the transaction for $67.88 that was processed on April 10, 2016. Please understand when a transaction is pending it will take away from the available credit; once the transaction posts to the account at that time it will reflect on the total balance. Upon review the transaction for $67.86 was not applied to the account and the available credit was restored. As of today’s date, the balance on the above-referenced HSN credit card account is $1,692.39 with an available credit of $10.00. We value you as a customer, and hope you find this information to be helpful. If you have any further questions, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Ashley R[redacted]

Dear [redacted]:Comenity Capital 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.Your complaint states that you returned a ring within 60 days of...

having purchased it, and that you are not paying for an item you do not have. You state that you sent in all of the receipts and information needed to clear up this matter; but continue receiving bills. You want the account to reflect zero.I apologize for any inconvenience you have been caused as a result of this matter. Please be assured that I reviewed your account at the Bank and with Zales corporate office. Unfortunately, as your account has had multiple purchases and returns, Zales has asked for more information, as they are unable to determine the purchase you are disputing in your complaint.Please provide the exact date of purchase and the amount of the purchase. Additionally, we have no record of receiving any receipts from you. If you have copies of the purchase and return receipts, please provide them. Once we receive the requested information, we are happy to further research this matter.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,Shawnda Y[redacted]

Dear Mr. [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 (Bank) and serviced by Bill Me Later, Inc. PayPal Credit is a...

payment option made available by many merchants to their customers.  Your complaint indicates the minimum payment requirement on your account exceeds your weekly income and you are not able to make the payment. You requested for the amount to be lowered, but your request was denied because the account is over the limit and past due.  PayPal Credit’s records reflect your PayPal Credit account was opened on June 18, 2013, with an online purchase of $411.99 through [redacted], with PayPal Credit selected as the payment method. PayPal Credit’s records also reflect your account was closed on May 24, 2016, due to delinquency.  As stated in the Terms and Conditions you received when your account was opened, the minimum payment requirement each month will be any past due amounts from previous billing cycles plus the greatest of: $25.00, or $35.00 if you failed to pay at least the minimum payment due by the due date in any one or more of the prior six billing cycles; 3% of the balances on the account on the last day of the billing cycle; or 1% of the balance on the account on the last day of the billing cycle plus any interest, late fees and/or return check fees assessed in that billing cycle.  On May 11, 2016, PayPal Credit received the complaint you filed with the Consumer Financial Protection Bureau (CFPB) regarding this matter. On May 25, 2016, PayPal Credit responded to your complaint through the CFPB portal and sent a copy of the response to you via mail. As stated in PayPal Credit’s previous response, PayPal Credit reviewed your account, and found no record of any prior requests regarding your minimum payment requirement.  As of May 27, 2016, your account is closed with a balance of $5, 494.10 and a minimum payment requirement of $638.00 due by June 20, 2016. If you are unable to make your minimum payment PayPal Credit may be able to help. Please call Customer Support at ############## payment options that may be available to you.  We hope this letter explains and resolves this matter.  Sincerely,  Jessica A[redacted]