Comenity Capital Bank

Dear [redacted]:We received your complaint, addressed to the
Revdex.com, regarding the account referenced above.  Comenity Bank issues Pier 1 Imports® credit
card accounts, and we respond to account-related questions.  Your correspondence was forwarded to my...

attention,
and I appreciate the opportunity to respond to your concerns.We understand your additional concerns
regarding the Pier 1 Imports® account that was opened in your name.  I understand the concerns as explained in
your correspondence, and I apologize for any frustration that this issue may
have caused.  We recently responded to the Federal Deposit
Insurance Corporation (FDIC), regarding this complaint on October 14,
2015.  Enclosed is a copy of the response
for your records.We hope this information is helpful.  Should you have any other questions or
concerns regarding this account, please feel free to contact Ericka D[redacted]
at ###-###-#### (TDD/TTY ###-###-####).  She will be happy to assist you.Sincerely, Ashley H[redacted]

Comenity is claiming I submitted my claim more than 60 days after the disputed charge appeared. The transactions I am disputing occurred 20 Nov 2014 ($150.00) and 23 Dec 2014 ($44) as can be seen in the attachment which was sent to Comenity on 1 Jan 2015, less than 60 days after these transactions. I was contracted with Comenity for $2431 to be paid within 18 months, no interest. I was paying more toward my account than the minimum payment (which was $44 at the time of the dispute) in order to ensure full payment within the 18 months. Had I only paid the minimum payment each month, I would have paid less than the amount for the number of treatments I actually received, and Comenity would have certainly come after me for the amount I owed. Why is Comenity not taking responsibility for the money they have essentially stolen from me for services not received? Once again, I am requesting to be refunded the $178.50 I paid to Comenity for services not received.
Regards,
[redacted]

Dear Mr. [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 that you are constantly being charged for items that you did not order or receive.  Although you have attempted to resolve this issue, you have received no resolution.  You are requesting to stop being charged for the items you did not receive.  We sincerely apologize for any frustration or inconvenience this matter may have caused you.  Please understand that Comenity Capital Bank and Haband are two separate entities.  Comenity Capital Bank is responsible for addressing questions related to your credit card account, while Haband is responsible for handling matters related to sales, merchandise processing, returns, and shipping. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling.  When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded.  Additionally, if you use the Smart Label for the return, your account is billed $9.99 for the cost of the return shipping. We have reviewed your account and we are happy to share our findings.  Our records indicate, that you contacted the Bank and advised that purchases listed on the account were not made by you.  Our Billings Dispute team reviewed your concerns, and they determined that the items purchased were sent to your address.  Letters were sent in response to your disputes on December 23, 2015, and March 3, 2016, advising if you had any further questions regarding the purchases to contact Haband, and if you felt the purchases were fraudulent, to contact the Bank’s Account Protection (Fraud) team.  We have enclosed copies of the letters for your review.     We reached out to Haband, on your behalf, and on March 25, 2016, they issued a credit of $9.73 to your account.  Because you state that there were some orders that you did not receive, the Bank has made the decision to no longer hold you responsible for the remaining account balance.  In the interest of customer service, we have issued a credit of $44.93 to the account, and additional credits totaling $71.32 to remove the previously assessed late fees, finance charges and Account Assure charges.   Please be assured, no negative payment information was reported to the national credit-reporting agencies, regarding the Haband account, due to this matter.    On February 29, 2016, the above-referenced Haband account was closed per your request. I hope this information was helpful.  Should you have any further questions or concerns regarding your Haband account, you may contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you. Sincerely,   Laura R[redacted]

I realize I got into credit card debt on my own. I am trying to pay things down without having to file for bankruptcy. these creditors are relentless!!! they harass me to no end they call and leave threatening voicemails asking me to have my attorney call them before they take legal action against me. I didn't murder anyone, my employer started paying me less the last 6-8 months which if you inquire you can see thats when I started paying late. I pay what I can but this company charges triple the interest and ups the minimum payments to $60-120 a month. I cant pay that. if I pay $25 a month they tack on another late fee and my bill goes up. I want to keep my cards and I will make payments but I don't owe hundreds of thousands of dollars so making all these threats and phone calls 10 times a day is unnecessary. all the credit cards I have are from the same creditor so why call me 8-10 times a day? and then to harass me and threaten to garnish my wages? I think I only owe over $1000 on two cards. these people are coming after me as though I'm not paying at all and owe millions. just let me make my payments, stop threatening me and stop calling me 10-20 times in one day. I am paying my cards but I don't make a ton of money and I'm a student, I'm saying what i

Please close my complaint, it has been resolved.

Dear Mr. [redacted] We received your complaint, addressed to the Revdex.com, regarding the above-noted account.  Comenity Capital Bank issues Overstock Store credit card accounts, and we are here to help answer all account-related questions.  Your complaint was forwarded...

to my attention for review. I understand your concerns as indicated in your complaint, and I appreciate the opportunity to assist you. After a thorough review of your account, Bank records indicate that the situation referenced in your complaint was also submitted to the Federal Deposit Insurance Corporation (FDIC).  A response explaining our findings and resolution was provided on June 29, 2016.  We have enclosed a copy of our response to the FDIC, for your records.   I hope you find this information helpful.  Should you have any further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).  I will be happy to assist you.   Sincerely,    Kristina W[redacted]

Dear [redacted] We have received the complaint that you sent to the Revdex.com (Revdex.com),regarding the above-noted account.  Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to helpanswer account-related questions.  Your complaint was...

forwarded to my attention, and I appreciate the opportunity toaddress your concerns. We understand from your complaint that Comenity Bank has been calling your mobile and land line phones up to 22 timesper day.  In addition, you do not owe any money and you request for the Bank to stop calling you. Please be assured that we have reviewed the account, and I am happy to explain my findings below.  The Ann Taylor/LOFT account was opened on March 31, 2015; the last purchase of $25.90 was made on May 19, 2015.  As no payment was received by the due datesof June 17, 2015, and July 17, 2015, the account was charged $55.00 for late fees and $2.24 for finance charges, as explained in the Credit Card Agreement(CCA).  This resulted in an outstanding balance of $83.14, and the account became two billing cycles past due.  Please be advised, when the Bank’s records show an account as delinquent, we 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 Bank will utilize a Dialer System to place outbound calls to a customer until our attempt to communicate is successful. Per your request, we have updated our records to ensure that you are no longer called on the telephone number ending in 4511.  However, the Bank may contactyou by mail, or service of court filing, which would be in compliance with state and federal law. Our records indicate on August 5, 2015, you spoke with the Bank’s representative and a payment by phone was processed for $25.90, scheduled for August 5, 2015.  Our records further indicate that the billing statement issued on May 22, 2015, was mailed to the following address, [redacted] However, Bank records show that the statement was returned as undeliverable on June 11, 2015.  As a result, per Bank procedures, statements were suspended until your address could be verified.Because of the returned mail, the account was credited $55.00 for late fees and $2.24 for finance charges.  As of the date of this letter, the balance on the account is zero. Please be assured, notification was sent to the credit-reporting agencies, with instructions to delete the negative payment information from July 2015, regarding the Ann Taylor/LOFT account.  Please allow the credit-reporting agencies 45 days to update their records. Enclosed please find copies of the monthly billing statements, for your records. I hope this information is helpful.  Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you.Sincerely,Tionna M[redacted]

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccount. Comenity Capital Bank issues the Century 21 Department StoresC21STATUS (Century 21) credit card. We are here to answer your questions and assist with yourconcerns.Your correspondence states you...

logged into your Century 21 account online and made anelectronic payment to be withdrawn from your personal Chase account. The payment wasprocessed on March 16, 2017, and you received a letter from the Bank on March 24, 2017, statingthe payment had been returned by Chase, but Chase refused to give you a letter stating thereturned payment was an error. On April 1, 2017, you resubmitted payment and confirmed theChase account information was correct. You disagree with paying any fee because you paid ontime and you believe you had entered correct information.We have reviewed your concerns and would like to provide the following information. On March16, 2017, you scheduled a web payment of $287.18. On March 22, 2017, your payment wasreturned by your bank, so on March 24, 2017, we sent you a letter advising you the payment hadbeen returned and that your account had been charged a returned payment fee. The letter alsoadvised that the account had been temporarily suspended since it was a newly-opened account.We apologize that the letter incorrectly stated your account had been assessed a returnedpayment fee. A returned payment fee was NOT added to the account and this is documented onyour March 2017 statement which shows $0.00 under the “Fees” section. There have been nofees charged to this account in regard to the returned payment.On April 1, 2017, you updated your bank account information and scheduled a payment of$517.62. That payment has been processed with no issues. We removed the temporarysuspension from your account on April 5, 2017. As such, you have again been able to makepurchases on the account since that date.As of the date of this letter, your account is current with a balance of $0.00.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alesa C[redacted]Compliance Dept. – Consumer Responses