Comenity Capital Bank

My name is not "[redacted]", it is [redacted]. THERE IS NO [redacted] IN MY RESIDENCE! I will call my lawyer tonight and not let this go. 
Regards,

Dear Ms. [redacted]   Thank you for contacting the Revdex.com, regarding the above-referenced account.  Comenity Capital Bank issues BLAIR® credit card accounts, and we are here to help with all account-related questions.  Your complaint was forwarded to my attention, and I...

appreciate the opportunity to assist you.   You state that on April 5, 2016, you received a phone call from a representative of the Bank regarding a disputed bill from Blair Clothing.  You placed an order through Blair and returned four of the items, as they did not fit.  You state you made payments of $20.00 to $25.00 monthly, on the third to the fifth of each month; however, you stopped making payments when Blair kept adding on late fees in spite of the fact that you were told that your payment was due on the seventh of each month.  You further state, although you have only kept one item totaling $100.00, plus taxes and shipping fees, you have paid $227.00, and you have never been credited for the items you returned.  When you spoke with the representative of the Bank, although you advised that you could only make small payments, you were told that he would contact Blair and state that  you were refusing to pay the bill.  We sincerely apologize for any frustration or inconvenience this matter may have caused you.       Your opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns.  Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that.    Our records indicate the above-referenced account was opened on August 23, 2014.  The last purchase was for $14.97 on October 28, 2014, and the last payment in the amount of $25.00 posted to the account on November 4, 2015.  On March 6, 2016, due to non-receipt of payment, the account was permanently closed, and reported to the national credit-reporting agencies as an unpaid debt, with a balance of $398.15.   Thank you for speaking with me on June 10, 2016.  As a follow-up to our conversation, please be advised that Comenity Capital Bank has decided to no longer hold you responsible for the remaining account balance.  In the interest of customer service, credits totaling $398.15 were issued to the account to remove the previously assessed late fees and finance charges.  These credits have posted and brought the account to a zero balance.        Notification has been sent to the national-credit reporting agencies with instructions to have the BLAIR® account deleted from your credit bureau report.  Please allow up to 45 days for the credit-reporting agencies to update this information in their records.             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.   Sincerely, Laura R[redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues the BLAIR® credit card.  We are here to answer your questions and assist with your concerns.       You state you made a payment of...

$114.95.  You state when you made the payment you made it out to Haband, instead of Blair.  You further state that although the money order has been cashed, the Bank refuses to credit your account or acknowledge your payment.  You are requesting to have the account credited, the balance refunded, and the late fees and finance charges waived. We sincerely apologize for any inconvenience or frustration this matter may have caused you.    We have reviewed our records and we are happy to share our findings.   Please understand that Comenity Capital Bank, Blair, and Haband are separate entities.  Comenity Capital Bank is responsible for addressing questions related to the credit card accounts, while Blair and Haband are responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality.  Both BLAIR® and Haband credit card accounts allow cross shopping.        I attempted to contact you by phone on December 21, 2016, and December 22, 2016; however, my attempts were unsuccessful.     The following purchases posted to your account: a purchase of $114.95 on March 31, 2016, and a purchase of $47.94 on July 5, 2016.   The following payments posted to your account: $10.00 on May 25, 2016, $33.00 on August 4, 2016, and $74.95 on September 7, 2016.        On June 2, 2016, a return of $13.99 posted to the account.    We contacted Haband, on your behalf, regarding your concerns.  They stated that on April 19, 2016, they received and processed a mail order for $114.95, as an order was received with the money order that was mailed to Haband.  As the items in the order were returned, Haband issued a refund check to you on June 14, 2016, and a separate refund check of $18.98 on June 21, 2016.         In the interest of customer service, the Bank issued a credit of $114.95 to the account.  We have issued additional credits to remove the previously assessed Bank fees.  These credits resulted in a credit balance of $84.29; as such, a refund check of $84.29 is being issued.  Please allow 14 days to receive the refund check, as it is being sent by a separate mailing.          I hope you found this information to be helpful.  If you have any questions or concerns, please feel free to contact me at ###-###-####.             Sincerely,

Thank you for contacting the Revdex.com regarding the above-noted account. Comenity Capital Bank issues the My BJ’s Perks World for Businessaccounts, and we respond to all account-related concerns.  Your correspondence was forwarded to my attention, and I appreciate...

the opportunity to assist you.  We understand that you have concerns regarding the award of $23.28 that was to be on the account when it was converted from Barclays Bank. Please be advised that this is a business account, and the letter addressed to the Revdex.com did not have a name of whom the complaint was from.  Forthe security of the account, we are requesting that you send any requests for information and/or changes to the account, via fax on business letterhead to###-###-####. We apologize for the frustration and inconvenience that you may have experienced regarding this matter.  Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I would be happy to assist you.  Sincerely, Justina M[redacted]

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]

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.

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 (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

Dear [redacted]Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Boscov’s credit accounts. We are here to answer your questions and assist with your concerns.We understand from the correspondence that you contacted...

the Bank on February 28, 2017, to schedule a promise to pay and you were advised that your account would be noted. However, when you called back later that day to confirm if any return credits had posted to your account, you were advised that your account was past due and asked if you would like to make a payment to bring your account current. You advised the representative that there should be notes on the account regarding a promise to pay from the call earlier. However, the representative did not see any notes. You then requested to speak to a supervisor. You further state that the supervisor you spoke to was rude and became argumentative. You are requesting that the calls be reviewed, the Bank to provide you with all notations made on the account, and the supervisor’s name. Furthermore, you are requesting an account history of all the transaction for the last year. I understand your concerns and apologize for any inconvenience or frustration you may have experienced regarding this matter.Please accept our deepest apology as Comenity Capital Bank does not condone that a customer be treated with disrespect at any time. We strive to provide each of our customers with an excellent customer service experience and we apologize that you received less than that when you contacted us. Calls of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed. Your opinion of our service is important to us.Please be advised that on February 28, 2017, a note was left on your account stating that you would be making returns and a payment on March 7, 2017.Our records indicate that your account is currently three billing periods past due. The last payment of $67.00 was received on November 16, 2016. Should your account exceed six consecutive billing periods past due, your account will be permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt.As you have requested, I have enclosed your billing statements from April 2016 through March 2017, which will show your account transactions.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]Compliance Dept. – Consumer Responses

Dear Ms. [redacted]: Thank you for contacting the Revdex.com, regarding the above-referenced account. 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. You state in July 2014, you placed an order for one pair of slippers and one pair of pants.  You did not receive the slippers as they were out of stock, and you returned the pants as they were too small.  You further state, even though you have told the Bank that you don’t owe anything, you are receiving telephone calls between nine to twelve times a day.  You are still receiving bills and charges are being added.  You are requesting for the balance to be credited, as you do not owe anything, and for your credit bureau report to be corrected.  We sincerely apologize for any inconvenience or frustration this matter may have caused you.  Please understand that Comenity Capital Bank and Blair are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to BLAIR® credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account 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 Smart Label for the return, your account is billed $9.99 for the cost of the return shipping. We contacted Blair, on your behalf, regarding your complaint.  On February 29, 2016, they issued credits totaling $15.98 to remove the Smart Label fee, and the shipping and handling charges.  The Bank issued credits totaling $119.37 to remove the previously assessed late fees and finance charges.  Thank you for bringing this matter to our attention.  As a token of our appreciation and in the interest of customer service, the Bank has issued a separate credit of $34.02 to the account.  All credits have posted to the account and resulted in a credit balance of $50.00.  Because the account has a credit balance, we have requested a refund check in the amount of $50.00 be sent to you.  Please allow 14 days to receive the refund check, as it is being sent in a separate mailing.        Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the BLAIR®  account, from your credit bureau report.  We can confirm that the credit-reporting agencies have updated this information in their records.  When the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the account.  Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status.  Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful.    Please be assured, we have updated the telephone number ending in [redacted] so that you no longer receive telephone calls from the Bank.  All calls should have ceased by this time.         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. Sincerely, Laura R[redacted]

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]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.Regards, [redacted]

Dear [redacted]   Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.  Comenity Capital Bank issues David’s Bridal credit cards. We are here to answer your questions and assist with your concerns.   We understand from your additional complaint that you feel that laws were broken and you are requesting that the Bank clear the account balance to zero and that there is no impact on your credit report. We apologize for any inconvenience this matter may have caused you.   As previously advised, we understand that you were dissatisfied with the service you received while speaking with our associate. It is never the intention of Comenity Capital Bank to frustrate our customers. Our goal is to provide excellent customer service, and we are disappointed when this does not occur. Our management team reviews calls of this nature, and makes appropriate recommendations for training or counseling purposes. Also, after review of the telephone call, we found that no laws were broken; therefore, Comenity Capital Bank respectfully declines your request to zero the balance on the above-referenced account.   I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.                                         ...⇄ Sincerely,    Ashley H[redacted]

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

My multiple attempts to come to an agreement have gone unanswered and business has failed to address my concerns.
Kind Regards

I received a package containing the account information, this information was not available to me previously. I reviewed the information and neglected to consider the $480-$580 interest being paid per year After having the ability to review the information, I would like to apologize and I humbly withdraw the complaint ID [redacted].The resolution is satisfactory to me.
Thank You, [redacted]

Dear Ms. [redacted]:We received your complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we are here to answer your questions. Your complaint was forwarded to my attention and I appreciate the...

opportunity to address your concerns.We understand from your complaint that after a loss of income last fall, your account, which had a balance of about $300.00 became delinquent and the balance has increased to $808.00. As a result of the past due payments, you have received numerous telephone calls that you feel are harassing, threatening, and intimidating, and you have been advised to have your attorney contact us. You want an explanation of the additional charges and you do not want to receive further calls about this matter.Our records indicate that as a result of non-payment, the account was assessed late fees and finance charges. 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. The last purchase of $106.35 was charged to the account on October 20, 2012. As payment was not made, the account was permanently closed on January 1, 2016, for non-payment and reported as a charge-off to the credit bureaus. The last payment was received on February 29, 2016, in the amount of $135.00; however, this payment was returned by your financial institution due to insufficient funds, and debited back to the account balance.Enclosed are copies of the billing statements for your records.Please understand that when an account becomes past due the Bank will make attempts to contact a customer for payment. Telephone calls may continue until the Bank is able to speak to the accountholder. Per your request, a “cease and desist”, status has been placed on your account. This cease and desist will stop all future collection calls. You will continue to receive certain legal communications as permitted by law. Your request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:Comenity BankPO Box 182273Columbus, OH 43218-2273We also reviewed 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. Our management team reviews calls and complaints of this nature and their recommendations will be followed.As of today, the account balance is $801.73, and no additional fees have been assessed to the balance since the account charged off. We encourage you to contact the Bank’s Recovery team at ###-###-####, to discuss suitable payment arrangements.We apologize for any frustration or inconvenience you experienced when contacting the Bank, and we hope this information is helpful. If you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]

Comenity Capital Bank has received your correspondence regarding the
above-referenced account. 


Comenity Capital Bank issues The Children’s PLACE credit card.  We are here to answer your questions and
assist with your concerns. We understand from your correspondence that you...

made a payment of $72.53
to your account on August 27, 2016.  On
September 10, 2016, you returned the items, leaving a credit balance on the
account for the same amount.  You state
that you requested a refund on September 16, 2016; however, you never received
it.   You want to be refunded for the
credit balance on your account.  I am
happy to share my findings with you.Please
be advised that Comenity Capital Bank began financing the credit portfolio for
The Children’s PLACE stores, in
October 2016.  As such, we are unable to
assist you with the refund check you are requesting.  The balance on your account is zero.  Account records indicate a refund of $72.48
was issued on September 16, 2016.  This
refund was made prior to the conversion of the account to Comenity Capital
Bank.Please
contact CitiBank for assistance regarding the refund.  CitiBank may be reached by calling
###-###-####.  They
will be happy to assist you.If you have
any further questions or concerns, please contact me at ###-###-####.Sincerely,

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution...

is satisfactory to me, however I would like to correct a statements in your response letter. You stated:  "In order to enroll in the [redacted] program, you would have clicked on one of the offers presented while you were placing your order with [redacted]. Once you clicked on the offer, you would have been directed to a website providing you with the membership details. Within those details, it would have been disclosed that the cost of the program was $1.99 for the first month and $14.97 per month thereafter. In order to complete enrollment, you would have entered your email address and zip code and clicked the “Join Now!” button to accept the membership offer. As a result of the enrollment, your account was charged $1.99 on September 9, 2016".  This statement is not true, I would never have sign up to be a part of [redacted] program, as I only use my [redacted] account a few times since it has been open. This program would not benefit me. I also never gave my consent, nor did I supply them with my email for this purpose, [redacted] has always had my email address. Regards,  [redacted]

They have not corrected the problem. My bank sent them verification that the payment had cleared my bank as well. 
Regards, [redacted]