Comenity Capital Bank

To whom it may concern, Sorry I didnt respondI am enclosing letter received from comenity capital BankThey refunded a credit for and closed my accountThank you for all you do [redacted]

Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Smile Generation Financial credit card accountsWe are here to answer your questions and assist with your concernsThe Bank received your complaint, in which you state that the Bank refused to give you a due date that you could meetYou further state that you have been making $payments each month, as that is all you could affordYou also state that your account continues to be charged late fees and finance chargesFurthermore, you are dissatisfied with the work you received from Grove Dental GroupYou are requesting that all the fees be waived and the Bank send you a statement showing what you truly oweWe understand your concerns, and apologize for any frustration or inconvenience this may have caused youPlease 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 dateOur records indicate that on September 7, 2016, the Smile Generation Financial account was opened in the name of [redacted] ***A purchase of $1,was charged to the account on the same dayPlease note that Comenity Capital Bank, Smile Generation Financial and Grove Dental Group are all separate entitiesThe Bank issues and is responsible for addressing questions related to your credit accountSmile Generation Financial assists with financing and payment arrangements for elective dental proceduresGrove Dental Group is responsible for handling matters related to services providedFor issues regarding the quality of service received, we ask that you contact the provider directlyPlease 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 AgreementBank 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 allAs a result, late fees were assessed to your accountI have enclosed your billing statements for your reviewBank records further indicate that your account has already received a courtesy late fee credit, and is not eligible for an additional late fee creditComenity Bank has not found any errors on your account, and we are unwilling to waive any additional fees, as they are validI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Jenny W***

Dear Ms [redacted] We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states PayPal Credit is billing you for an item you did not purchase orreceiveYou state you called PayPal Credit and were informed that the item purchasedwas an Omega watchYou state that you never purchased this item, and do not have aPayPal accountYou are requesting PayPal Credit provide you with the seller's nameand prove you signed for and received the item in questionIf PayPal Credit is unableto provide this information, you are requesting the charge and fees be credited, and theaccount closed.PayPal Credit's records reflect that your PayPal Credit was opened on January 26,2014, through a link to a direct online application on Billmelater.comIn order for anapplication to process with PayPal Credit and an account to be opened, the consumermust provide their name, date of birth, last four digits of their social security number,and agree to and accept the electronically presented Terms and Conditions at the timeof application.PayPal Credit's records show a purchase of $made on August 9, 2014, witheBay merchant ULFERTSARTHYour purchase qualified for "No Payments + NoInterest if paid in full in months" promotional financing until February 26, Thisbalance did not require a minimum monthly paymentIn addition, as long as thepromotional balance of $was paid in full by February 26, 2015, you would notreceive any interest chargesOur records also show a merchant return credit of$posted on August 9, 2014, and a remaining purchase balance of $29.00.On May 7, 2015, you called PayPal Credit stating you did not recall creating a PayPalCredit accountThe representative with whom you spoke provided you with the detailsof the purchase, and you proceeded to file a fraud claim with the representativeYouwere also provided with Equifaxls telephone and transferred to PayPal in order toinvestigate the PayPal account established in your name.Following your transfer to PayPal, the representative referred your account to PayPalCredit's Customer Security Operations for investigation; however, your fraud claim wasdenied because PayPal Credit determined no suspicious activity was detectedWiththe information currently in PayPal Credit's possession, there is no indication of fraud inconnection with your PayPal Credit accountYou were sent correspondence on May 9,2015, informing you of our findings and were advised to provide additionaldocumentation in order for PayPal Credit to further investigate this matter.On May 29, 2015, you contacted PayPal Credit again and advised the account in yourname was fraudulentThe representative informed you of the fraud claim denial, andasked if you had filed a police report regarding this matterYou stated you did not, andyou wanted the account closedYour account was closed, per your request and youwere informed of the balanceYou then asked what specifically was purchased usingthe account, and the representative informed you an Omega watch was the itempurchased using your accountYou stated you did not order the watch and ended thetelephone call.On June 5, 2015, you again spoke with PayPal Credit stating you never received anyitems associated with this accountAs a courtesy, the representative waived thebalance of your account totaling $131.78.As noted above, PayPal Credit reviewed your account and determined no suspiciousactivity was detected upon investigationAs of the date of this letter, PayPal Credit hasnot received any additional supporting documentation related to your fraud claim;therefore, your fraud claim remains declinedShould you still believe the account wasopened fraudulently, additional documentation is necessary to further investigateYoumay fax this documentation to ###-###-#### or mail it to the following address:PayPal CreditAttn: Executive EscalationsP.OBox 8Timonium, MD 21094As of the date of this letter, your account is closed with a zero balanceThis informationwill be reflected on your July 1, 5, billing statement.We hope this letter explains and resolves this matter.Sincerely, [redacted] Compliance Dept- Consumer Responses

Dear Ms***: Thank you for contacting Comenity Capital Bank As the bank that issues HSN credit card accounts, we respond to all account-related concerns Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist youWe understand from your complaint that you were notified by Comenity Capital Bank and HSN that you owed money for merchandise that was returned Additionally, you state that you provided documentation to confirm that the returned merchandise was received, and that you remitted payments totaling over $to the Bank You are requesting reimbursement for the payments received and an update to your credit file, due to this matter We understand your concerns, and we sincerely apologize for any frustration you may have experienced Please note that Comenity Capital Bank and HSN are two separate entities The Bank is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping After a thorough investigation, Bank records indicate that the following items were not returned to the HSN credit card account These items include: DrJGraf M.DRejuvenation Retinol seven-piece Kit (Order # [redacted] )Acer 23" Touch 4GB RAM 500GB Quad-Core All-In-One PC (Order # [redacted] )Visual Land seven inch Tablet (Order # [redacted] )Lancome Grandiose Mascara and Le Curler Set (Order # [redacted] )Professor Amos Shock It Clean Extreme Cuke/Mln Concentrate Kit (Order # [redacted] ) On your behalf, we contacted HSN regarding the receipt of the returned merchandise listed above HSN confirmed that their office has no record of receiving the items, and that the only communication they had with you was on April 19, 2014; regarding your desire to return an Asus eight inch Tablet In order to further investigate this matter, HSN requests that you supply a copy of the tracking information for the merchandise to their corporate office at HSN, [redacted] *** You may also contact them directly at ###-###-#### Furthermore, when a customer orders merchandise from HSN, the account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned, the HSN account is credited for the merchandise and the applicable sales tax In addition, if the provided EZ return label is used to return the package, the return label fee is deducted from the overall return credit Please be advised, the EZ return label was used to return the Ming Tsai seven-piece Cook Set with Recipes, the Power Now! 3,MAH, and the Rhonda Shear Seamless Tops; therefore, full credit for the merchandise was not received Based upon the information provided by HSN, the Bank declines your request for reimbursement, since the account had a valid balance at the time the payments were received Although the Bank found no billing errors, on February 10, 2015, we issued credits totaling $for previously assessed Bank fees On May 22, 2015, an additional credit of $was issued for the remaining account balance, which included merchandise that was not returned to HSN Lastly, in the interest of customer service, notification has been sent to the credit-reporting agencies with instructions to remove the reported delinquency for November through January 2015, with regard to the HSN account Please allow the credit-reporting agencies days to update their records For your review, we have enclosed copies of the monthly billing statements, which show the account activity that comprised the account balance and delinquencies, which were reported to the credit bureaus 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 Sincerely, Lauren S [redacted] Consumer Relations Specialist

Please find the enclosed statement and receipts and packing slips from Roman's Comenity and a bill from Woman WithinI have never ordered from Woman Within and I dispute any charges that they are billing me forPlease let me know if further documentation is needed.Thank you, [redacted] ***

I never was in touch with Comenity BankTried calling days in a row, left a message and got no response from the Company Regards, [redacted] ***

Dear [redacted] : Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues HSN credit card accountsWe are here to answer your questions and assist with your concernsYour complaint states you sent in a money order for $on May 8, 2017; however, the Bank has not received your paymentTherefore, your account was assessed with late fees and interestYou further state you were able to confirm the money order has not been cashed yetYou advise when you contacted the Bank to explain the situation, the representative was rude, and refused to listenYou have never been late in the past; therefore, you request the late fees and interest charges be removedAdditionally, you want the money order replaced with a new one since you sent it out and are not at fault for it being lostI understand your concerns and apologize for any inconvenience or frustration this may have caused youWe have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metOur records indicate that on April 21, 2017, a statement was issued to you showing a balance of $with a minimum payment of $due by May 17, The Bank did not receive a payment by the due date; therefore, a late fee was assessed to your accountPlease be advised the Bank is not able to replace your money orderWe advise that you contact the customer service phone number provided on your money order receiptAlthough the Bank did not find any errors, we have issued a credit of $to your account for the previously assessed late fee and have removed the associated finance chargesI hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank previously issued the Lenovo Preferred credit cardWe are here to answer your questions and assist with your concerns We understand from your correspondence that you have been receiving statements on an account that you state was rendered invalid , as the Bank lost the Lenovo Preferred account in November You state the equipment was returned to Lenovo; therefore, no money is owedYou were informed when the device was returned that the restocking fee would be waived, as you were looking to purchase another modelWhen you called to place your order you were advised that the Lenovo Preferred account could not be used, as it was no longer offered through the BankYou state the representative advised that the fees would be waived and the account would be closedThe account is building in debt due to the late fees and interestYou are requesting this be resolved We have reviewed the concerns in your correspondence, and I would like to provide you with the following information Please note Comenity Capital Bank and Lenovo are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountLenovo is responsible for handling matters related to sales, merchandise processing, returns and shipping Bank records indicate that that you previously spoke with us on December 19, 2016, and a dispute was submitted on your behalf, indicating that the account was only credited $and the credit should have been $Upon completion of our investigation you were sent a response dated February 13, 2017, which indicated that the merchant advised the Bank the $was for a restocking feeThe correspondence also provided you a copy of Lenovo’s return policy The Lenovo Preferred account was closed on February 13, 2017, as the program ended with Comenity Capital Bank Our records further indicate that we received a correspondence dated May 23, 2017, disputing the validity of the account from Attorney [redacted] The attorney was provided a response validating the debt Billing statements were issued October 9, 2016, through October 9, Please keep in mind that when payments are not received, are made for less than the minimum required, or are received after the due date cut-off time, the account will be assessed a late fee, as explained in the Credit Card AgreementAs no payments have been made to the account, late fees and finance charges were assessed to the account While we understand your concerns, after a review of the account, we find that no adjustments are due The account balance is $and is currently six billing cycles past dueWe suggest that you contact our Recovery department at ###-###-#### to set up suitable payment arrangements I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com

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

Dear [redacted] : Comenity Capital Bank has received your complaint regarding the above-referenced credit card accountComenity Capital Bank issues the HSN credit cardWe are here to answer your questions and assist with your concernsYour complaint states that you enrolled in the Hardship Program; however, you were removed from the Hardship Program because you did not make your required payments on timeYou further state that you settled your account in June 2016; however, your credit bureau report is showing that your account is days past due and has been charged offYou are requesting that a good will adjustment be made to your credit bureau reportWe apologize for any frustration or inconvenience this matter may have caused youAfter a thorough review of your account, Bank records confirm that on September 5, 2015, the above-referenced account was enrolled in the Hardship ProgramThis Program was designed as a temporary solution to provide our cardholders months of special terms in order to bring and keep their account(s) currentOnce the program is successfully completed, the account(s) cannot be re-enrolled for 12-months after the completion dateFurthermore, please be aware that if payments are not received or received late, the customer will be removed from the program, and the account cannot be re-enrolled in the program for 12-months from when the account was removed from the programUpon further review, our records indicate that on September 10, 2015, the Bank received a payment of $35.00; however, on September 16, , that payment was returnedIn addition, on October 10, 2015, the Bank received a payment of $35.00; however, on October 16, 2015, that payment was also returnedAs a result of having two payments returned, your account was removed from the Hardship ProgramA letter was sent to you on November 8, 2015, advising you that the account had been removed from the programThe Bank did not receive any other payments there-after and as a result, your account was permanently closed, written-off and reported to the national credit-reporting agencies as an unpaid debt on March 7, Please be advised that we are only willing to remove or change information that our company incorrectly furnished to the credit-reporting agenciesDuring our review, we have found the information we reported is an accurate reflection of the payment history for your accountTherefore, this information will not be changed or removed from your credit bureau report; however, you may place a consumer statement on your credit reportThis statement will not change your credit rating; however, it will explain why the account fell past due I hope you found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Compliance Dept– Consumer Responses

I am writing this letter about a situation concerning payments and returning all my money back with sending all bowls back including a retune label at there expense.The bank sent me a credit card that I did not requestAlso, I have not used it to purchase anything.Here are some copies of payments, my local bank could not obtained for I talked with the local bank personal on 9/6/to see how long it's going to retrieve the informationShe could not get receipts at this timeI will have to call and request receipts at the branch office.I am still requesting a free return shipping label and all my money back, also discontinue any activities with this unwanted credit card.Thank you, [redacted]

Dear Mr [redacted] : We received your complaint, addressed to the Revdex.com, regarding the above-referenced accountComenity Bank issues Woman Within credit card accounts, and we are here to answer all of your account-related questionsYour complaint was forwarded to my attention for review, and I appreciate this opportunity to assist youWe understand from your complaint that you received a statement in August of 2014, where you noticed the balance was higher than you expectedUpon further investigation, you noticed the balance was a result of Holsted Jewelry charges totaling $906.00, which were supposed to be sent on a no charge basisYou decided you no longer wanted the productsYou returned the jewelry and there was a credit balance of almost $400.00, in January of After a purchase for shoes was processed and returned, you noticed that the credit balance was no longer on the accountYou did not recognize the purchase that was charged in June of 2015, since you did not believe you made any purchasesYou are stating that you have spoken to supervisors who have agreed with everything you have stated, but then letters and calls start againYou would like us to review the account thoroughlyYou are requesting that the credit of $be placed back on the account, and the shoes that were charged and late fees be refundedAfter a thorough review of your account, Bank records indicate that the situation referenced in your complaint was resolved and responded to on June 30, 2014, August 27, and January 13, Please be assured that we have enclosed copies of the resolution letters for your recordsThank you for speaking with me on May 9, Please find a summary of our conversation belowThe $you are referencing was a result of provisional credits, fee adjustments, and Holsted Jewelry returns that were processed while your account was under disputeOnce the dispute was complete, we determined the Holsted Jewelry charges were invalid, and issued credit for those charges, which provided a credit balance of $This credit balance was refunded on February 10, and cashed or deposited on February 18, After this refund was issued, your account has a zero balance, which will show on your statement that was issued on April 16, 2015, as a previous balanceAccording to Woman Within’s records, you placed an order on April 2, in the amount of $for canvas flat shoes, in stone, and athletic shoes, in blackWoman Within records further indicate that the athletic shoes, in black, were returned, but the canvas flat shoes, in stone, have not been returnedThe canvas black shoes totaled $24.99, which is where your balance was coming from, along with bank fees due to non-paymentAfter our review of the account, we found no errors regarding the account balancePlease keep in mind, 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 and finance charge, as explained in the Credit Card AgreementI have enclosed copies of the billing statements which show the account that comprised the account balanceIn the interest of customer service, Comenity Bank is no longer holding you responsible for the remaining balance of $Due to this account being reported as a charge off, Comenity Bank sent a request to the credit bureau to delete the account from your credit reportPlease allow up to days for this information to be updated in their recordsI understand you may still have concerns regarding the charges and returns that have been processed to the accountIf so, please contact Woman Within directly at ###-###-####I hope the information I provided is helpfulShould you have any further questions or concerns about the account, please contact me ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Amanda R**

Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountsreferenced aboveComenity Bank issues the above-referenced credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We understand from your complaint that you were told by one of our customer service agents thatall of your accounts with Comenity Bank have been closed, even though you have balances andyou have never been late on the accountsYou were told the accounts were closed due to thefact that the Bank wrote off three other balances that you had with accounts that you have notreceived anything from.We would like to thank you for your time as a valued cardmemberWe closed your abovereferencedaccounts, because one or more of your past accounts has been in extremedelinquency status with our bank.What does this mean to you?Your above-referenced credit cards will no longer be accepted for purchasesYou are stillresponsible for paying any balance on your accounts referenced above, and you’ll continue toreceive monthly statements until your balance is paid in fullPlease be sure to update anycompanies that automatically bill your accounts for uninterrupted service.We are unable to reopen the accounts, but you may reapply at any time.I hope this information is helpfulIf you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**

We appreciate you taking the time to let us know you have concernsWe will begin researching immediately and will be in contact with you directly via phone or mail

We recently received a complaint, addressed to the Revdex.com, regarding your David's Bridal® credit card accountComenity Capital Bank issues David's Bridal® credit card accounts, and we respond to all account-related concernsI 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 planHowever, 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 dateAs 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 paymentYou state that you have contacted Comenity Capital Bank for assistance, and unfortunately, the help that you were seeking was not providedYou 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 entitiesThe 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, The purchase was placed on plan 406-1; a 6-month promotion with deferred interest payment required plan, scheduled to end on August 22, 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 dateFurthermore, 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,on plan 406-1; therefore, interest charges totaling $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 $was scheduled online on November 28, 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 providedAs a result, the $payment was added back to the balance, and a returned check fee of $was applied to the account Although there were no Bank errors, in the interest of customer service, we have issued a credit of $ to the account, for the returned check feeThis 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 concernsComenity 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 helpfulIf you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you

you say that the bank don't have any information on what alleged changes to my CR has taken place, yet the change has not allowed me to make any purchasesI get monthly notifications from all three CRAs and there has nothing changed that is different since the last time the bank pulled a credit reportIf the account is current, not behind on payments, then the account is in good standingThe bank did not want to pull a CR on me until I asked them to honor their advertised reward for good paying customersIt was when I threatened to file a complaint with the FTC and Revdex.com, that the representative then wanted to pull a CR and told me that no purchases could be made, essentially closing it Regards, [redacted] ***

Dear [redacted] We have received your correspondence sent to the Revdex.com (Revdex.com)regarding PayPal Credit, which was forwarded to Comenity Capital BankThe PayPalCredit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,Inc.Your correspondence states you are disputing your purchase from [redacted] **as you believe the item you received was not what you ordered.You have been unable to resolve the issue with the merchant or PayPalYou arerequesting a refund for the disputed purchase.Upon receipt of your correspondence, PayPal Credit researched your account and wouldlike to provide you with the following informationYour January 14, 2017, statementshows your purchase of $from [redacted] , which posted to your account onDecember 17, This purchase qualified for “No Payments + No Interest if paid in fullin months” promotional financing until July 11, As long as you pay this balance infull by the promotion expiration date, you will not be charged interestThis statement alsoshows your balance of $140.00, with no minimum payment requirement due at that time.PayPal Credit confirmed you submitted a dispute to PayPal on January 10, 2017, for yourpurchase of $from [redacted] On that same day, PayPal acknowledged receipt ofyour dispute and informed you that it could take up to days to receive a resolution.The following day, you were informed that your dispute was changed from being aboutnot receiving your purchase to the purchase being received but being significantlydifferent than originally describedUpon completion of PayPal’s investigation, PayPalsent you an email on February 20, 2017, stating, “[w]e found that you are eligible for arefund, however, to receive this refund, we need you to return all the items and we needa valid online tracking number confirming that the merchandise was delivered to theseller’s address.” Further, this email provided you with the seller’s return address andadvised you to submit proof of return shipping within days of receiving this emailAssuch, you have until March 22, 2017, to provide a valid online tracking number confirmingreturn shipping to the seller’s address in order to further process your disputeTo expediteyour refund, you can take a picture or screen shot of your Proof of Postage and send it toPayPal via email at [redacted] Please refer to PayPal’s email sent to you onFebruary 20, 2017, for additional details.As of February 23, 2017, your account is open with a balance of $140.00, with nominimum payment requirement due at this time since your purchase qualified for “NoPayments + No Interest if paid in full in months” promotional financing until July 11,2017.We hope this letter explains and resolves this matter.Sincerely,Jennifer P***

Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues Blair credit card accountsWe are here to answer yourquestions and assist with your concerns.Your complaint states that you do not owe the balance on your accountYou further state thatthere is no explanation as to what the purchase was for nor a date providedYou state that youmade a purchase last year; however, you returned that orderYou are requesting that the Bankclear the balance of your accountI understand your concerns, and apologize for any confusionor frustration this may have caused you.Please understand that Comenity Capital Bank and Blair are separate entitiesComenity CapitalBank issues and responds to questions regarding the Blair credit card accountWhile Blairresponds to questions regarding merchandise, purchases, returns, and shipping.Our records indicate that on August 9, 2016, a purchase of $posted to your account for twoBLW NYLON PANTIES, a BLW MONTEREY BEADED SANDAL, and PROTECTION PLUSOnAugust 25, 2016, a return credit of $posted to your account for the BLW MONTEREYBEADED SANDALPlease be advised when making returns, you are credited for merchandiseonly, not the shipping and handlingIn addition, if you use the prepaid label to make your return,your account will be charged for that label.The Bank issued a statement to on September 6, 2016, showing a balance of $49.91, with aminimum payment of $due by October 2, However, on September 21, 2016, thatstatement was returned to the bank as undeliverable; therefore, a return mail status was placedon your accountI have enclosed the billing statements for your review.Please be advised that as a result of payments not being made on your account, late fees andfinance charges were assessed to your account for the months of September through March2017.As a result of the return mail status on your account, the Bank understands that you did not receiveyour billing statements; therefore, a total credit of $has been issued to your accountThisleaves a remaining balance of $49.91, which you are responsible forIn addition, notification hasbeen sent to the national credit-reporting agencies with instructions to update your account toshow that you were not delinquent with us.I hope you found this information to be helpfulIf you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jenny W***

We received a complaint addressed to the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Norm Thompson 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 purchased a dress and then you returned the dress as it did not fit correctly You further state the dress was placed on a Norm Thompson credit card that you do not have, you were charged for the return, and you have been unable to contact to contact Norm Thompson Additionally, you were unsatisfied with the information you received when you contacted the Bank We sincerely apologize for any inconvenience or frustration this matter may have caused you Please understand that Comenity Capital Bank and Norm Thompson are two separate entities Comenity Capital Bank is responsible for addressing questions related to Norm Thompson credit card accounts, while Norm Thompson 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 Smart Label for the return, your account is billed $for the cost of the return shipping We have reviewed your account and we are happy to share our findings Our records indicate that the Norm Thompson account was opened on May 13, 2015, in the name of [redacted] This account was opened when you contacted Norm Thompson 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 Norm Thompson credit card account, based on the pre-approved credit offer The account was opened, and a purchase of $was placed This purchase consisted of one NTO Miles of Style dress, tax, and shipping and handling charges On June 10, 2015, a return of $posted to the account We have contacted Norm Thompson on your behalf and they issued a credit of $to the account to remove the shipping and handling and Smart Label fee In the interest of customer service, the Bank has issued additional credits, totaling $62.94, to remove the late fees and finance charges previously assessed The account balance, as of today’s date, is zero The account was closed, at your request, on July 11, As your correspondence indicates that you may not have been aware that a Norm Thompson credit card was opened, in the interest of customer service, we have sent notification to the national credit-reporting agencies with instruction to have the Norm Thompson account deleted from your credit bureau report Please allow 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 (888) 567- You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - (888) 397-PO Box Springfield, PA - (800) 916-PO Box Atlanta, GA - (800) 685-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 regarding the account, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (888) 819-1918) I will be happy to assist you Sincerely, Laura R [redacted] Consumer Relations Specialist CC: Revdex.com

Dear Ms [redacted] We received the complaint you sent to the Revdex.com of Central Ohio (Revdex.com)regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThePayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, Inc.PayPal Credit is a payment option made available by many merchants to their customers.Your complaint states you made an online purchase using PayPal Credit; however, youreturned the item to the merchantYou received confirmation from the merchant stating thereturn credit was processed on July 21, 2015, but this credit is not yet reflected on your PayPalCredit accountYou would like PayPal Credit to issue you a credit of $419.99.A review of your PayPal Credit account shows a purchase of $from SAKSFIFTHAV wasmade on June 4, A credit from SAKSFIFTHAV for $posted on August 5, 5, toyour PayPal Credit accountThis credit will be reflected on your next billing statement datedAugust 21, Although you were advised by the merchant that the credit was issued onJuly 21, 2015, PayPal Credit did not receive the credit from the merchant until August 5, 2015.Generally, credit posting can take up to ten business days to reflect on your PayPal Creditaccount after being issued by the merchant although the timeframe may vary by merchant.As of the date of this letter, your account is open with a balance of $Your next minimumpayment requirement and due date will be reflected on your next billing statement dated August21, 2015.We hope this letter explains and resolves this matter.Sincerely,Laura C [redacted]