Comenity Capital Bank

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 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]

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]

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]

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

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

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]

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]

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]

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]

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.

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-referenced account.Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist withyour concerns.Your correspondence indicates you have been receiving numerous collection calls...

from the Bank, and youconsider this harassment. This letter is for informational purposes to respond to your correspondence and is notan attempt to collect on this balance. We want you to have a positive customer experience with the Bank, andwe have updated your phone number ending in [redacted] with “Do not Call” instructions.When an account is delinquent, we will make proactive attempts to contact the customer, communicate thesituation and work out repayment arrangements to minimize any negative credit reporting impacts. Many timesa payment is overlooked, and reminder calls or repayment discussions are helpful to bring the account back to acurrent status. We appreciate your business, and we want to share with you some options that are available toyou in this type of situation.We understand customers may experience difficulty making their payments due to economic factors. You maybe eligible for enrollment in our 12-Month Customer Hardship Program or in our Customer Long-Term WorkoutProgram. These programs can provide customers with special terms in order to help bring the account current.If you are interested in obtaining information on whether you qualify for one of these programs, please call (800)[redacted].Also, customers who are experiencing financial difficulties are urged to contact a non-profit Consumer CreditCounseling Service (CCCS) organization for assistance. Their programs can provide options such as reducingthe interest rate and the minimum payment requirement and could include all of your creditors. We support andparticipate in the programs provided by the CCCS agencies. Should you wish to obtain information regardingtheir programs and for a member agency located near you, please contact the National Foundation for CreditCounseling at ###-###-####.I hope you have found this information to be helpful. If you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely,Jenny W[redacted]Compliance Dept. – Consumer Responses

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Lending Club Patient Solutions credit card. We are here to answer yourquestions and assist with your concerns.We understand from your complaint that you signed up for...

autopay and were later told that the Bank doesnot offer autopay, this caused your payment to be late and incur a late fee which increased your monthlyminimum payment. You are requesting we adjust your minimum monthly payment to $1,375.00 throughNovember 2017. Furthermore you are disputing the $37.00 late fee, plus the $5.00 additional payment forthe month of March. We apologize for the inconvenience this matter has caused you.Bank records indicate your payment due date is the 19th of every month. Your Lending Club PatientSolutions account is a regular revolving account, which means that if there is a balance, a minimumpayment is required each billing period. A late fee will be assessed if the minimum payment amount is notreceived by the 19th of every month.Please keep in mind that when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee, as explained in the Credit CardAgreement.Due to a late fee credit that was issued to the account on February 2, 2017, your account is no longereligible to have an additional late fee credited to the account. The Bank finds this information to be accurate.I hope you have found this information to be helpful. If you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Compliance Dept. – Consumer Responsescc: Revdex.com

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 Ms. [redacted]: We received your complaint addressed to the Revdex.com.  Comenity Capital Bank issues Blair® 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.  We understand from your complaint that you have concerns regarding emails that were addressed to another party.  We sincerely apologize for any frustration or inconvenience this matter may have caused you.    Please be assured, we have conducted a search of our records and deleted your email address.  You should no longer receive emails addressed to this other party.    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]

Comenity Bank (Bank) has received your correspondence, submitted to the Better BusinessBureau. Comenity Bank issues various credit cards. We are here to answer your questions andassist with your concerns.We would like to help resolve any concerns you have; however, based on the information...

providedin your correspondence, we have been unable to identify the account in question. In order tobetter assist you, please provide us more specific information regarding your concerns.Please provide the account name and complete account number. If you are disputing charges orpayments on the account, please provide the date and amount of the transaction, and the reasonyou are disputing it. If you believe there are errors in the reporting of the account, please providedetails.Once this information has been received, we will be able to more accurately address anyconcerns you may have. Please send this information to my attention at the address on the topof this letter.If you have any questions or concerns, please feel free to contact me at 800-820-8932.Sincerely,Rosa M[redacted]Compliance Dept. – Consumer Responsescc: Revdex.com

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

This company is false. I have filled out those forms several times, they have issue me credits  when I talk to them over the phone, and then they re debit the account. They are not truthful. I have filed claim for poor services which they issue the credits then they reapply the amount back to my account after they receive the forms. I have filled out those for four  4 times in the past.

Dear Mr. [redacted]We have received your complaint, addressed to
the Revdex.com, regarding the above-noted account.  As the Bank that issues Motorola credit
accounts, we respond to all account-related questions.  Your concern was forwarded to my attention,
and I appreciate...

the opportunity to respond.Your complaint states that you purchased a
phone and were offered 18 months of interest free financing, yet you have been
charged finance charges on your account. 
You have requested to have the finance charges removed from your
account, future finance charges ceased, and a letter sent to the
credit-reporting agencies regarding your account status.  We apologize for any confusion or
inconvenience this matter may have caused you.    Our records indicate that a purchase of $325.86
was charged to your account on August 15, 2015. 
This purchase was placed on a 12-month deferred interest, payment
required, promotional plan that was scheduled to end on August 15, 2016.  However, this purchase was returned on August
21, 2015. Our records further indicate a charge of
$434.49 was charged to your account on September 23, 2015.  This purchase was placed on a low annual
percentage rate (APR), equal payment promotional plan that is scheduled to end
on September 24, 2017.  As agreed at the
time of purchase, interest would be assessed to the account at an APR of 9.99%,
with minimum payments not less than $25.00. 
Should the balance not be paid in full by the plan end date, any
remaining balance would then be assessed interest at the standard variable
rate, currently 28.99%.    Please be assured that the promotional plan
for the purchase made September 23, 2015, has been updated to an 18-month
deferred interest, payment required, promotional plan that is scheduled to end
on March 26, 2017.  For purchases on
these plans, interest is accrued (calculated, but not added to the
balance).  If the balance is not paid in
full by the plan end date, the accrued finance charges, which are calculated
from the date of the original purchase, will be added to the deferred balance,
and this balance will be moved to the revolving balance.  This information
will appear on your monthly billing statements in the “Details of your plans”
section.   Additionally, please be assured that all
previously assessed finance charges have been credited, and no derogatory
payment information has been reported to the credit-reporting agencies
regarding your Motorola account.We hope this information is 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, Melissa L[redacted]