Comenity Capital Bank

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

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]

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]

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]

We received your complaint, addressed to the Revdex.com, regarding the accountreferenced above. Comenity Capital Bank issues Haband credit card accounts, and we are hereto assist you with all account-related questions or concerns. I appreciate the opportunity torespond to your...

concerns.We understand from your complaint that you ordered a fleece jacket for $21.99, and then sent acheck for $24.00. The catalog stated free shipping and handling. In January of 2016, youreceived two checks, one for $14.01 and one for $9.99. You cashed these checks after they wereissued for a second time, as you sent the checks back the first time you received them, since youwere not sure why they were sent. You were advised that Haband received all of your items thatyou returned and that you did not owe anything, and to ignore the bills that came. We investigatedyour account and advised that you owed $141.68, as you did not return the fleece jacket, themicrofiber bag, and the fragrances from this order, which you believe the microfiber bag was free,and you did not receive any fragrances. You believe there is confusion regarding the shippingand handling, interest, and late fees that have been charged. You believe that you have a zerobalance. You are requesting that the finance charges be stopped.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,while Haband is responsible for handling matters related to sales, merchandise processing,returns, shipping, and merchandise quality.Additionally, please keep in mind, when ordering merchandise by mail, the customer’s credit cardaccount is charged for the cost of the merchandise, as well as shipping and handling. When themerchandise is returned, the account is credited for the cost of the merchandise only; shippingand handling is not refunded. Additionally, if the provided Smart Label is used for the return, theaccount is billed $9.99 for the cost of the return shipping.Please also keep in mind, if a payment is received after the due date, or is received for less thanthe minimum payment due, a late fee and a finance charge may be assessed to the account asexplained in the Credit Card Agreement.Thank you for speaking with me on October 7, 2016. Our records indicate on January 2, 2016, apurchase of $123.66 posted to the account, and on February 1, 2016, a credit of $101.89 postedto the account for the return, and a charge of $9.99 posted to the account for the Smart Label fee.On April 11, 2016, a payment of $19.58 posted to the account.After a thorough review of the account, Comenity Capital Bank made the decision to no longerhold you responsible for the remaining account balance. In the interest of customer service,credits were issued to the account to remove the remaining balance.Notification was sent to the national credit-reporting agencies, regarding your Haband account,to have the negative payment information removed from your credit bureau report. Please allowthe credit-reporting agencies 45 days to update this information in their records.We hope you find this information helpful. If you have any further questions, please contact meat ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Amanda R**Consumer Relations SpecialistCC: Revdex.com

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

Dear [redacted] We received your complaint regarding the above-referenced account. Comenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with your account-related questions. Your complaint, addressed to the Revdex.com,...

was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help your with your American Laser Skincare credit card account. We resolved your dispute in accordance with the dispute provisions of your credit card agreement, which are also outlined in the Billing Rights Summary contained in your monthly billing statements. Specifically, we refer you to the following section: What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620. In your letter, give us the following information: ? Account information: Your name and account number ? Dollar amount: The dollar amount of the suspected error ? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: ? We cannot try to collect the amount in question, or report you as delinquent on that amount. ? The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. ? While you do not have to pay the amount in question, you are responsible for the remainder of the balance. ? We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. What this means for you is, if your dispute was submitted more than 60 days after the first billing statement on which the disputed charge appeared and you have fully paid for your purchase, you are not eligible to receive a credit or refund. We apologize for any inconvenience this matter may have caused your client. Should you or your client have any additional questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you. Sincerely, Jenny W[redacted]

The paperwork I have when the account was owned by the other company last year is different. I was mailed a packet that means nothing to me and does not help the situation. I will only pay the amount that was originally on my account. I did not agree to pay the interest accrued over the past year if the statement wasn't paid off. The $469.37 that was added on the account will not be paid. I am also giving this information to my lawyer and will be suing Zales as well using my previous documentation.
Regards,
[redacted]

On March 17th 2017 (Friday 9:15 a rep called me, I was in the middle of looking for a repairman, when this call interupted with an incoming call it was Carrie with Comenity Bank, They were unable to provide me with any proof such as billing statements etc. Nothing!!! then - I was pressured into paying Late Charges. I never received any proof, just that I owed all this in late fees, and since then, I've already returned the items (too big?)  I expect that I will be compinsated.  Every time I called about this the amount changes, if this isn't some kind of bank fraud then what is? Its not my fault they never sent one.[redacted]

Dear Mr. [redacted]   We received a complaint from you, addressed to the Revdex.com, regarding the above-mentioned account.  Comenity Capital Bank issues ZALES THE DIAMOND STORE® credit cards, and we are here to...

help with all account-related questions.  Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.   We understand from your complaint that you checked your credit score and that your score had gone down.  You state that you were advised that your ZALES THE DIAMOND STORE® account had been removed.  You also state you contacted the bank to advise of the issue, and you were advised to provide proof that your account had been closed.  You are requesting that the Bank correct the issue, as you did not want your account closed.  We would like to apologize for any inconvenience this matter may have caused you.   Please be assured that we have reviewed the information reporting to the credit-reporting agencies regarding your ZALES THE DIAMOND STORE® account, and our records indicate that your account is reporting accurately as open.  Also, a letter confirming this information was sent to you on September 21, 2016.   For a full copy of your credit report, we suggest you visit www.annualcreditreport.com.   We hope that you find this information helpful.  Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.   Sincerely,    Ashley H[redacted]

Re: You have a new message from the Revdex.com of Central Ohio in regards to your complaint #[redacted] They let me keep the payment and I sent them the balance and paid it infull thank you for all your help

8.15.15 Consumer called Revdex.com and said she has been able to resolve the matter directly with the business and considers issue closed.

Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above. As the bank that issues [redacted] credit accounts, Comenity Capital Bank is here to help with your account-related concerns. I appreciate the opportunity to...

assist you. We understand from your compliant that you have made several attempts to use your account, and have been unsuccessful. When online placing an order, you are required to use the account number, but because the account was new you didn’t have the account number. You attempted to gain the information by contacting customer care, and were unable to receive the account number. You are requesting to have the account closed and removed from your credit report. We apologize for the frustration you may have experienced as a result of this situation. We have reviewed the concerns in your correspondence as well as the applicable telephone conversations. Please be assured that calls of this nature are referred to management so additional training can be provided to our associates. We are committed to providing the best customer service, and we are disappointed when a customer receives less than that. The account was closed per your request. We have submitted a request to the national credit-reporting agencies to remove the account, and inquiry, from your credit report. Please allow the credit agencies 30-45 business days to update their records. Please be aware that 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 consumer 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. Although you have closed your account, we hope you will continue to shop with [redacted]. Should you have any further questions, please contact me directly at ###-###-####, ext. 7293047 (TDD/TTY [redacted]. I will be happy to assist you. Sincerely, Diamond L[redacted] Diamond L[redacted] Consumer Relations Specialist

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the My BJ’s Perks [redacted] credit card. We are here to answer your questions and assist with your concerns.   We previously received and responded to your...

correspondence submitted to the [redacted] Department of State, Division of Consumer Protection regarding this same matter. Please find enclosed a copy of our response dated July 6, 2017.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at [redacted].                                         ...⇄ Sincerely,  Kaija M[redacted] Compliance Dept. – Consumer Responses

Dear [redacted]:Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccount. Comenity Capital Bank issues Virgin America Visa@ credit card accounts, andwe respond to all account-related questions. Your complaint was forwarded to my attention, andI appreciate...

this opportunity to assist you.Your complaint indicates that you were unaware of the annual fee billed to you until you receiveda billing statement with a late fee. You contacted customer service to pay the balance and, theywere supposed to remove the late fee. Furthermore you state that you contacted customerservice again to have the account closed. You request a return of the money you paid for aservice that you were unable to use.Please be advised on July 24, 2016, $49.00 was charged to your account for the annual fee.Since your request was received beyond the 30 day timeframe to have the annual fee removed,we are unwilling to credit the $49.00.The Bank has reviewed the issues in your complaint, and in the interest of customer service, wehave reversed all of the bank fees. Please be assured that as of the date of this letter, the accounthas a zero balance, and has been closed as requested.We sincerely apologize for any inconvenience this matter may have caused you and hope thatyou find this information to be helpful. Should you have any questions or concerns, please feelfree to contact me at ###-###-#### I would be happy to assist youSincerely.[redacted]

We recently received a complaint, addressed to the Revdex.com, regarding your David's
Bridal® credit card account. Comenity Capital Bank issues David's Bridal® credit card accounts, and we
respond to all account-related concerns. I appreciate the opportunity to assist you.
We...

understand from your complaint, you purchased a dress from David’s Bridal in March 2015, which
was placed on a 6-month promotional plan. However, at the time of purchase, you believe that the sales
associate failed to explain what would happen if the promotion plan was not paid in full by the plan
expiration date. As a result, your David's Bridal® account was assessed 6-months of back interest.
We further understand that you did not receive notification from David’s Bridal or Comenity Capital Bank,
regarding the return of your December 2015 payment. You state that you have contacted Comenity
Capital Bank for assistance, and unfortunately, the help that you were seeking was not provided. You are
requesting compensation for the inconvenience you have experienced, in addition to, a discount on the
interest that was assessed to the account.
Please understand that Comenity Capital Bank and David’s Bridal are two separate entities. The Bank is
responsible for addressing questions related to the credit card account, while David’s Bridal is responsible
for handling matters related to sales, merchandise processing, returns, and shipping.
After a thorough investigation, our records indicate that a purchase, in the amount of $1,474.88, was
charged to the account on February 19, 2015. The purchase was placed on plan 406-1; a 6-month
promotion with deferred interest payment required plan, scheduled to end on August 22, 2015.
As agreed at the time of purchase, no interest would be assessed to the account should the balance be
paid in full by the promotional plan ending date. Furthermore, information about promotional plans is
provided to our accountholders on their monthly billing statements in the “details of your plans” section.
Specifically, accountholders are instructed that should a balance not be paid in full, accrued finance
charges dating back to the original date of purchase will be assessed to the account.
On August 22, 2015, there was a remaining balance of $1,014.88 on plan 406-1; therefore, interest
charges totaling $198.51 were applied to the account.
Regrettably, Comenity Capital Bank declines your request for reimbursement of the promotional plan
interest charges, as these charges are valid.
Bank records further indicate that a payment of $50.00 was scheduled online on November 28, 2015.
The Bank attempted to withdraw this payment as scheduled on November 28, 2015; however, on
December 3, 2015, the payment was rejected, as your personal bank was unable to locate the account
number that was provided. As a result, the $50.00 payment was added back to the balance, and a
returned check fee of $25.00 was applied to the account.
Although there were no Bank errors, in the interest of customer service, we have issued a credit of $25.00
to the account, for the returned check fee. This credit will reflect on your next monthly billing statement.
Lastly, a consumer’s opinion of our service is important to us, and we appreciate the time you spent in
notifying us of your concerns. Comenity Capital Bank is committed to providing the best customer
service, and it is never our intentions to treat our customers in a less-than-satisfactory manner.
We 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.

Dear Mr. [redacted]We received your complaint, addressed to the Revdex.com, regarding your DentalFirstFinancing credit account. Comenity Capital Bank issues DentalFirst Financing credit accounts, and werespond to all account-related questions. Your complaint was forwarded to my attention,...

and I appreciatethe opportunity to assist you.We understand from your complaint that you sent in a check to make your monthly payment on yourDentalFirst Financing account; however, the payment was returned. You further state that you werecharged a $27.00 return check fee, and when asking why the check didn’t go through, the representativewouldn’t tell you why.You are requesting to have the $27.00 fee credited to your account, and to have the check mailed back toyou, as we refused to resend the check through. We understand your concerns, and sincerely apologizefor any frustration or inconvenience this matter may have caused you.After a thorough review of our Bank records, we can confirm that notification was received on August 26,2016, rejecting the payment of $150.00, due to the reason of, “Unauthorized Check #[redacted]”.Based upon this information, we ask that you contact your bank directly for further assistance regarding therejection of the payment.Once Comenity Bank receives a check it is scanned to be submitted for cashing, and the physical check isdestroyed for the consumer’s protection. Due to these circumstances we are unable to honor your requestto send your original check back to you.As we have found no Bank errors regarding this matter, we are unwilling to credit the $27.00 return checkfee.We hope you find this information to be helpful. Should you have any further questions, please contact medirectly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Diamond L[redacted]

I want late payments off of all of my credit history. Payments were never late they were of the wrong amount and that is the fault of your policy and procedures. Your employees are rude and threatening to consumers and that is NOT the reputation to strive for.
Regards, [redacted]

Dear Mrs. [redacted]:Thank you for sharing your concerns about your recent dental visit. I am writing to you on behalf ofthe [redacted], OH Aspen Dental branded practice, owned and operated by Ohio DentalAssociates-Judge Inc. I certainly do apologize for your experience at the [redacted], OH...

AspenDental office.I am in receipt of your complaint filed with the Revdex.com. I have reviewed it with the[redacted], OH Aspen Dental Office Manager, Heather and with the previous Office Manager,Phillip. I have been advised by both that they recently spoke with you concerning the issue with yourDental First account. Please note that Dental First and Aspen Dental are completely different andseparate companies. When you applied for and were approved by Dental First, they remitted paymentto Aspen Dental for your dental treatment. Thereafter; Dental First billed you under the promotionalcontract that you signed up for. If you feel that Dental First is incorrectly billing you for accumulatedinterest, you must take the matter up with Dental First. For your review I am enclosing with this letter copies of your financial documents.I appreciate you giving me the opportunity to respond to your inquiry. A copy of this letter has beenforwarded to the Revdex.com Office in response to your complaint. I am available for anyfurther questions at the below contact information.Sincerely,Ron H[redacted]Senior Patient Satisfaction SpecialistAspen Dental Management, Inc.Phone: ###-###-####, Extension [redacted]Fax: ###-###-####[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the DentalFirst Financing credit account.  We are here to answer your questions and assist with your concerns. We understand your concerns as explained...

in your correspondence.  You state you have made a $100.00 payment each month, as you agreed.  However, you missed one payment and were advised you were over $300.00 late on payments.   Please be advised that Comenity Capital Bank and DentalFirst Financing are separate entities. The Bank is responsible for addressing questions related to the DentalFirst Financing credit account, while DentalFirst Financing is responsible for addressing concerns regarding treatments, charges, and refunds. Our records indicate the DentalFirst Financing credit account was opened on July 24, 2015.  The minimum payment on the account is dependent on the account balance.  The Credit Card Agreement (CCA), states that the minimum due repayment is 3.5% of the account balance.  Use of the account, or failure to close the account within 30 days of receiving the CCA indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees.  Please understand your account began to fall past due in September, 2016.  Your account billed on August 25, 2016, with a balance of $3,216.35 and a minimum payment of $114.00 due by September 20, 2016.  No payment was received.  Your account billed on September 24, 2016, with a balance of $3,333.67 and a minimum payment of $232.00 due by October 20, 2016.  A payment of $150.00 was received on October 8, 2016.   You have not paid the full minimum due on the account since August 2016.  We have enclosed the billing statements from August through December 2016 for your review.  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 CCA. On January 2, 2017, you spoke with a Bank representative and arranged three payments of $126.00.  The payments were scheduled for January  15, 2017, February 15, 2017, and March 15, 2017.  Once the March payment posts, your account will be brought current.I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.                                 �...⇄ Sincerely,  Tionna M[redacted] Compliance Dept. – Consumer Responses cc: Revdex.com