Comenity Capital Bank

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 you made a purchase through PayPal then received an emailnotifying you your purchase was made using PayPal CreditYou state you calledPayPal Credit and were advised PayPal Credit was unable to change the fundingsource for your purchaseYou are requesting that PayPal Credit remove the purchaseand charge it to your credit card.PayPal Credit's records reflect your PayPal Credit account was opened on December13, 2010, with an online purchase of $through eBayIn order for an application toprocess with PayPal Credit and an account to be opened, the consumer must providetheir name, date of birth, last four digits of their social security number, and agree to andaccept the electronically presented Terms and Conditions at the time of purchase.Upon receipt of your complaint, PayPal Credit reviewed your account and found youmade a purchase in the amount of $on October 21, 2015, from [redacted] During the PayPal checkout process for this transaction, you selected PayPal Credit asyour funding sourceIt important to note that PayPal Credit is not your default paymentmethod; however, PayPal Credit was proactively selected as the payment method forthe purchase during the check-out processIn an October 23, 2015, phone call withPayPal Credit, you were informed you could contact the merchant to cancel yourtransaction and re-purchase your item using your credit card because PayPal Creditcannot change the funding source you selected for your purchase.PayPal Credit understands you would prefer to make your payment with a credit card;however, currently, PayPal Credit does not accept credit or debit cards as forms ofpaymentPayPal Credit offers several convenient ways to make a payment for yourpurchase:Pay online: Log in to your PayPal Credit account and click Payment Center tomake a payment using your checking or savings account (we do not acceptcredit card payments)There is no fee for using this service, and you canschedule a payment for the same day or for a future dateTo count for the sameday, payments must be made by 11:PM PTPlease ensure you have thecorrect routing number and account number for your bank account.Pay with PayPal: If your PayPal Credit account is linked to your PayPal account,you can pay online at PayPal.com using the checking or savings accountassociated with your PayPal account, or your PayPal balance (we do not acceptcredit card payments)To count for the same day, payments must be made by:PM PT.Pay by mail: Send a check or money order (we do not accept cash) to theaddress belowBe sure to include your payment coupon or write your accountnumber on your paymentYou will also want to allow plenty of time before yourdue date for your payment to reach us on time to avoid a late payment feeSendyour payment to:PayPal CreditPO Box 105658Atlanta, GA 30348-5658Pay by phone: You can pay through our automated system by calling ###-###-#### (available ***) and following the prompts to schedule a paymentIt is freeto use this service.We hope this letter explains this matter.Sincerely,Laura C [redacted]

Dear [redacted] Thank you for contacting Comenity Capital Bank regarding the above-referenced accountAsthe bank that issues Lending Club Patient Solutions credit accounts, we are here to assist withaccount-related questionsI appreciate the opportunity to respond to your concerns.We have reviewed the account, and our records indicate that the Bank previously responded toyour complaint that a $payment was not credited to your account.On June 25, 2016, a response was sent to you advising you that we would need a copy of thecashed check to assist youThe documentation you provided does not provide us with sufficientinformation to determine who cashed the checkPlease be advised that we have reached out to [redacted] regarding the check you sent into us and [redacted] could not determine if thecheck was cashed due to the amount of time that has passed.To better assist you, please provide a copy of your bank statement showing that the payment wasdebited from your bank accountI have enclosed a copy of our previous response for yourrecords.We apologize for any inconvenience or frustration this may have caused your client and hope thisinformation is helpfulShould client have any additional questions regarding the your account,please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would behappy to assist you.Sincerely,Jenny W***

Dear Mr [redacted] Thank you for contacting the Revdex.com regarding the above-noted account Comenity Capital Bank issues your MyPoints Rewards Visa® account, 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 your concerns regarding the balance and that you feel your account should be paid off, and no balance should be owed Thank you for previously providing us with the confirmation notices regarding your payments Please be assured we have reviewed this information and find that all payments referenced in your confirmation notices have been applied to your account, with the exception of one paymentPayment of $on March 7, 2015, is not reflected on your account Unfortunately, the confirmation of payment is not sufficient for us to make a correction Please provide a confirmation from your financial institution of the electronic transmittal for this payment Once this has been received, we will research and make any necessary adjustments Additionally, please be advised that the account was closed on May 29, The billing statement issued on June 11, 2014, reflected a balance of $1, Please review the statements that were previously provided to you They will reflect all account activity including any charges, fees, credits and payments If you find any discrepancy on the billing statements please provide an explanation as to the discrepancy, along with any supporting documentation, and we will research We hope you find this information to be helpful Should you have any further questions or concerns, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Justina M [redacted]

Dear Gustavo B***: We received a complaint, addressed to the Revdex.com, regarding the above-mentioned account Comenity Capital Bank issues ZALES outlet® THE DIAMOND STORE credit cards, and we are here to help with all account-related questions The correspondence was forwarded to my attention, and I appreciate the opportunity to respond We understand from the complaint that you were charged interest for three months and you contacted the Bank to complain and advise the terms for your purchase were to be interest-free You were advised by the Bank that your account was under investigation and to wait for the results You received a letter from the Bank and you were given credit for the interest charges; however, you were charged a late fee of $ You are requesting you receive credit for the $late fee and you want the ring you purchased to be fixed We apologize for any inconvenience this matter may have caused you Please be advised that the late fee of $was charged to your account on October 13, 2016, which was after your billing dispute was concluded on October 4, However, please be assured that the late fee of $has been credited Please be advised that Comenity Capital Bank and Zales Outlet are two separate entities The Bank is responsible for addressing questions related to the ZALES outlet® THE DIAMOND STORE credit card account, while Zales Outlet, is responsible for handling matters related to sales, merchandise, returns, delivery, and shipping For assistance with your merchandise, please contact the store at ###-###-#### We hope 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] Consumer Relations Specialist

Dear Ms***:We received your additional correspondence sent to the Revdex.com regarding theabove-referenced accountsComenity Bank issues the above-referenced credit card accounts,and we are here to assist you with all account-related questions or concernsI appreciate theopportunity to respond to your concerns.Our records indicate that we have previously responded to this issueEnclosed, please find ourrecent correspondence sent July 14,and on August 8,2015.We spoke to Woman Within, on your behalf, and they advised us that on April 22, 2014, youprovided the last four digits of your social security number, and date of birth, to accept a WomanWithinB credit card offer.A Woman Within@ billing statement was sent to you on February 5, This billing statementincluded a Roaman's purchaseThe Roaman's purchase placed on October 2014,consisted of a grey mid-calf(back ordered until December 1, 2014), white floral bra, silver twopiece bag and scarf set, black white zebra capri, classic red dogs capri, zebra slippers, classicred slippers, strawberry leggings, classic red tee, rose dust tee, and heather charcoal leggings.This order was also processed on deferred billingSince the grey mid-calf was on back order, itdid not bill to your account until your next statementThe February statement had abalance of $and a minimum payment of $due by March 3,2015.Roaman's records indicate when you placed the order, you requested to have the chargeapplied to your Woman Within@ accountPlease also understand that BrylaneHome@, JessicaLondon@, Kingsize@, Roaman's@, Full Beauty (previously OneStopPlus.corn), and WomanWithinB allow cross shoppingThis means that items ordered from one retailer may be chargedto any of the listed credit cardsFor instance, a Woman Within catalog purchase may becharged to the Roamanas@c redit card account and vice versa.As of the date of this letter you have a balance of $on your Woman Within@ account,and it is currently four billing periods past due.Should the account exceed six consecutive billing periods past due, the account will bepermanently closed, written-off, and reported to the national credit-reporting agencies as anunpaid debtThis information could remain on your credit report for up to seven years.If you have further questions regarding the orders billed to your accounts, please contactRoaman's directly at ###-###-####.I hope you find this information to be helpfulIf you have any further questions, please contactme at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerelv.Amanda R [redacted]

Dear [redacted] We have received the inquiry you sent to the Revdex.com (Revdex.com) regarding theabove-noted accountYour correspondence was forwarded to Comenity BankComenity Bankissues the Carson’s credit card, and we are here to help answer your account related questions.I appreciate the opportunity to assist you with your concerns.We understand your concerns regarding the return for $17.12, and this amount not reflecting onyour statementFurthermore, we apologize for the frustration this may have caused you whentrying to get this rectified over the phone with a bank representative.We strive to provide excellent service to our customer’s and are disappointed when this is notachievedYour concerns are important to us and we apologize for the inconvenience orfrustration this may have caused youAt this time, we would like to explain our findings.Please keep in mind billing statements reflect any activity on your credit card account prior tothe statement closing dateOn April 11, 2016, we sent a billing statement showing a balance of$and a minimum payment of $due by May 7, The above balance includedthese following transactions:• $on April 7, 2016• $on April 7, 2016• $on April 8, 2016• Return for $on April 8, 2016On April 13, 2016, Comenity Bank received credit for the returned merchandise of $17.12,bringing your balance to $As of April 29, 2016, the Bank received your payment of$36.45, bringing your prior statement balance to zero(Please keep in mind these twotransactions reflected on your next month’s billing statement dated May 12, 2016, since yourstatement closing date was on April 11, 2016).On May 12, 2016, a new billing statement was mailed showing a balance of $and aminimum payment due of $by June 7, The below transactions comprised thebalance of $115.22.• $on April 13, 2016• $on April 13, 2016• $on April 15, 2016• $on April 15, 2016• Returned Merchandise of $on April 27, 2016We have enclosed a copy of these two billing statements for your recordsIn addition, weindicate your account was closed per your request on June 2, 2016.We hope you find this information helpfulIf you have any further questions regarding this letter,please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I will be happyto assist you.Sincerely,Jack C [redacted]

Dear Ms [redacted] : Thank you for contacting Comenity Capital Bank regarding the above-noted account Comenity Capital Bank issues Simply Be credit card accounts, and we respond to all account-related concerns Your correspondence, addressed to the Revdex.com, was forwarded to my attention, and I appreciate this opportunity to assist you.We understand from your correspondence that you attempted to complete a payment via the automated telephone system on December 1, 2015; however, the automated system completed the payment before you were able to correctly enter your full checking account number Believing that this initial payment would not be processed, you completed an additional payment that same dayLater, you learned that the initial payment was processed with the partial information, causing it to be returned by your financial institution You are requesting to have the fees removed, and your credit report updated to correct any negative information with regard to this incident We apologize for any frustration or inconvenience this matter may have caused you We also understand that you are dissatisfied with the service that you received when contacting us regarding your payment Comenity Capital Bank does not condone that a customer be treated with disrespect at any time, and I certainly apologize if you were made to feel that way We are committed to providing the best customer service, and are disappointed when this standard is not met Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed Please be assured that the returned payment fee of $was credited on December 4, 2015, and the late fee of $was credited on January 15, As of the date of this letter, the balance on your account is $178.99, and a minimum payment of $is due by February 4, 2016.Additionally, your account history has been updated in our records to indicate that your account has never been past due, and no negative information has been reported to the credit-reporting agencies with regard to your Simply Be account We hope this information is helpful to you Should you have any further questions or concerns, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you.Sincerely,Melissa L [redacted]

My complaint has been resolvedI tried very hard to solve this complaint with Comenity Capital Bank but they wouldn't listen to me.Thank you so much for your help.I do appreciate itI will never do business with this company again.Sincerely, [redacted]

Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theaccount referenced aboveComenity Bank issues Full Beauty (formerly OneStopPluscom)credit card accounts, and we are here to assist you with all account-related questionsIappreciate the opportunity to respond to your concerns.We understand from your complaint that you believe all of your purchases were charged to yourPayPal accountYou started receiving billing statements from Comenity Bank which showed abalance on an account that you were not aware was opened.Thank you for speaking with me on October 23, As discussed, please be advised that theBank has received your payment for the merchandise charged to the Full Beauty account.Additionally, we sent notification to the credit-reporting agencies to delete this account, in itsentirety, from your credit bureau reportPlease allow them days to update their records.We hope you find this information to be helpful Should you have any further questions orconcerns, please do not hesitate to contact me at ###-###-####, ext [redacted] (TDDTTTY###-###-####) I will be happy to assist youSincerelyAmanda R [redacted]

Dear Mr [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 you have been unable to view your PayPal Credit account onlinesince the rebrand from Bill Me Later to PayPal CreditYou indicate you have attemptedto contact PayPal Credit for assistance with this matter; however, you have onlyreceived automated responsesAfter your statement delivery method was updated topaper statements, you state your next statement balance included Late Fees andFinance Charges, which you are unable to payYou are requesting that PayPal Creditaccept a payment for the initial purchase amount and partial fees, and remove anyderogatory information from your credit report.Our records reflect you received and consented to the PayPal Credit's E-Sign Consent,wherein you agreed to receive disclosures and other information electronically, whenyour account was first opened on July 26, As such, you consented to receive"statement ready" emails (SREs) from PayPal Credit via the email address on file foryour account, [redacted] , alerting you that your statement isready for viewing electronicallyA paper statement will not generate unless the accountbecomes delinquent or you change your paper statement status through the PayPalCredit web self-service site or via a written request as disclosed in the PayPal CreditTerms and conditionsto which you also agreed at account openingAccording toPayPal Credit's records, all SREs issued to the above-referenced email address weredelivered successfullyOn August 1,2014, Bill Me Later@ was rebranded to PayPal CreditThis was purely a product name changeThelender for PayPal Credit accounts remained Comenity Capital Bank, and the accounts continued to be serviced byBill Me Later, Inc.; however, following the rebrand, PayPal Credit customers were required access their accountsonline through their PayPal accounts for any online servicing needsA change in terms notice was sent to Bill Me Later account holders describing changes to the Bill Me Later Termsand Conditions, including the rebrand of the product name to PayPal CreditThe new PayPal Credit Terms andConditions are effective as of August 12,2014.Please also note, our records reflect on September 5, 2013, your PayPal Credit accountwas linked a PayPal account in your name, associated with the email address [redacted] When Bill Me Later was rebranded to PayPal Credit,the online servicing of your PayPal Credit account was transferred to your linkedPayPal account.Our records reflect a purchase of $through eBay merchant [redacted] posted on to your account on July 7, This purchase qualified for "No Payments +No lnterest if paid in full in six months" promotional financing until February 3, 2015.This balance did not require a minimum monthly payment; however, you were requiredto pay the promotional balance of $in full by the promotional plan expiration dateof February 3, 2015, to avoid being assessed lnterest Charges on the purchaseNopayments were received from you by the plan expiration; therefore, accrued interestcharges were assessed to your accountAdditionally, no payments were received byPayPal Credit following your promotional plan expiration, and Late Fees and lnterestCharges assessed to your account in accordance with the PayPal Credit Terms andConditions.You submitted an email to PayPal Credit on May 12, 2015, regarding your account.Based on the information in your email, an automated response was sent to you on May12, Additionally, an automated response was sent to you on May 26, 2015,regarding a second email received from youWe apologize if our automated responsesdid not answer your questionsThese responses were not sent to you by arepresentative, but by our system in an attempt to provide you with some immediateinformation that may assist in answering questions within the category you choseWesend this response as a courtesy, as we understand that a custom response from arepresentative may take longer to get to you; however, if any automated message sentdoes not address your specific question, you can rest assured that you only need tosend a brief reply and any additional questions will be researched by ourrepresentatives.You emailed PayPal Credit again on May 26, 2015, regarding the inability to link yourPayPal Credit account to your PayPal walletThe representative who responded toyour inquiry advised your accounts could not be linked due to the closed status of yourPayPal Credit accountUnfortunately, this information was incorrect, as your PayPalCredit account was already linked to your PayPal account, as explained aboveWesincerely apologize for this misinformationAs a result of this error, PayPal Credit haswaived the $late fee assessed to your account on June 6, This credit willbe reflected on your next statement dated July 6, 2015.Our records reflect you accepted an offer from PayPal Credit to settle your accountbalance of $for $294.44, and a payment for the settlement amount was receivedfrom you on June 29, Once this settlement has processed, your PayPal Credit willreflect as settled, and you will receive a letter confirming the settlement of your account.Regarding your concerns about negative credit reporting, please note that, aside fromthe initial credit inquiry when your account was originally opened, PayPal Credit doesnot report the status of your account to the credit reporting agencies.We hope this letter explains this matter.Sincerely, [redacted] ***Compliance Dept- Consumer Responses

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 concernsWe understand your concerns as explained in your correspondence You state you have made a $payment each month, as you agreed However, you missed one payment and were advised you were over $late on payments Please be advised that Comenity Capital Bank and DentalFirst Financing are separate entitiesThe 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 refundsOur records indicate the DentalFirst Financing credit account was opened on July 24, 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 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, Your account billed on August 25, 2016, with a balance of $3,and a minimum payment of $due by September 20, No payment was received Your account billed on September 24, 2016, with a balance of $3,and a minimum payment of $due by October 20, A payment of $was received on October 8, You have not paid the full minimum due on the account since August We have enclosed the billing statements from August through December 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 CCAOn January 2, 2017, you spoke with a Bank representative and arranged three payments of $ The payments were scheduled for January 15, 2017, February 15, 2017, and March 15, 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

I am a victim of fraud this is ridiculousI'll see them in coier I guess.Torry Bachman

Thank you for your assistance in having this incorrect charge removed This bank should be investigated re their charging customer for incorrect charges Can you imagine several senior citizens being charged AND not questioning these incorrect charges How can a bank make a charge thjat they have no record of it? Again, my thanks for your help [redacted]

Dear Mr***Comenity Capital Bank has received your complaint regarding the above-referenced account.Comenity Capital Bank issues the Haband credit card accountWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that Haband continues to charge you each month forpurchases you have not madeYou state you have attempted to resolve this problem withHaband, but continue to be chargedFurthermore, you state that if you refuse to pay, there willbe a late fee chargeWe understand that you want to be removed from the mailing list and nolonger want the credit card.We recently received your dispute in regard to this situation and you were found not responsiblefor the related chargesThe account has been closed per your request as of November 25, 2016.The balance on the account is zero.Please be advised no late fees have been charged to your account.We have requested the cancellation of catalogs and any direct mailingsPlease allow 6-weeksfor these to stop.We value you as a customer, and hope you find this information to be helpfulIf you have anyfurther questions, please contact me directly at ###-###-####I will be happy to assist you.Sincerely,Diamond L***

Dear [redacted] : Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the Stage credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint, that you were never contacted via phone regarding the account’s past due statusYou state that when you applied for the account, you provided your cell phone number, providing the Bank permission to contact you via phoneYou state that when you were alerted via your credit monitoring service that you were late, you logged into the Account Center website and made a paymentYou contacted the Bank and asked why you were never notified via phone, and you were informed that you never provided permissionYou noticed while checking the Account Center that there were three phone numbers listed, and two of the phone numbers did not belong to you and were not added by youYou state that you spoke with a total of five representatives and the fourth one was very rudeYou feel the Bank should review your account and update your credit report, as you were never notified via phone, and you were provided conflicting information regarding why you were not calledI am happy to share my findings We 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 met Bank records indicate that the Stage account was opened on March 1, On the same day, a phone number ending in was added to the accountThis phone number was then updated as a cell phone number on May 10, The number ending in was contacted on April 18, 2017, and May 19, 2017, to make you aware of the accounts statusOn May 19, 2017, the phone number was updated as a bad numberThe second phone number that was listed on the account ending in was listed as a home numberRegarding the call(s) placed to this number, when the Bank has been unable to reach our customer, we will utilize various resources to obtain contact information where the customer may be reachedThe phone number ending in was not added until you contacted the Bank on May 23, Our records further indicate that you enrolled the account into paperless statements on May 10, The billing statements for March and April were issued via a Statement Ready Email (SRE) notification; the May statement was issued via postal mailPlease note the Bank has no record of any correspondence being returned as undeliverableAdditionally, the account indicates that you logged into the Account Center website on March 18, 2017, and April 17, We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies, as we are required by law 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] KaiM [redacted] Compliance Dept– Consumer Responses

Dear [redacted] ***:We received an additional complaint regarding the above-referenced accountComenity Capital Bank issuesDentalFirst Financing credit accounts, and we are here to help with account-related questionsYour complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity torespond to your concerns.In the complaint, the Revdex.com is asking for more information regarding the amount you wereoriginally charged and a chronology of the original amount financed, beginning balance and origination date,promotional credit applied, balance due after promotional credit, how payments were applied, interest and/or latecharges, details regarding refunds issued, customer’s current balance, and actual payments receivedWe havereviewed the account and here are our findings.The Bank’s records indicate that on October 15, 2013, a charge of $4,posted to your accountThispurchase was placed on a month low Annual Percentage Rate (APR) (14.99%) equal payment requiredpromotional plan that was set to expire on October 19, Purchases on this plan will have a lower APR thanthe regular revolving APR and will have minimum payments of the same amount each monthWe are providingcopies of your billing statements and the signed sales agreement for your referenceIn addition, please reviewthe enclosed account activity log which is to assist you with a quick review of the information provided on eachof the enclosed billing statementsIf there are discrepancies, please contact me directly at the telephone numberlisted below.Our records further indicate that the statement issued on July 6, 2014, reflects a return credit of $2,and apayment of $After these credits posted to your account it left a credit balance of $A refundcheck in the amount of $was issued to you on August 7, 2014; however, this check was not cashed, andis no longer valid.Furthermore, on October 9, 2015, a return credit of $2,posted to your accountThis left a credit balanceon your accountA refund check in the amount of $2,was issued to you on December 7, Thisrefund check has not been cashed as well.Please be advised that I have reissued a refund check for $You should receive this within 7-businessdaysAdditionally, the refund check in the amount of $2,is still validIf you have not received this refundcheck and need to have a new one issued to you, please contact me at the phone number below.We hope this information is helpfulShould you have any additional questions or concerns, please contact meat ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W***

Dear Cynthia [redacted] :Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the My BJ’s Perks World Mastercard creditcardWe are here to answer your questions and assist with your concerns.We understand from your correspondence that your personal information and credit card werestolen, and charges were placed on your account that you did not authorizeYou further state youhave been trying to resolve the matter for several monthsYou are requesting the unauthorizedcharges, totaling $292.92, removed from your accountWe apologize for any inconvenience thismatter may have caused you.Please be assured that your fraud claim was previously investigated by our Account Protectionteam under fraud case number [redacted] The investigation was completed on March 10,Please find enclosed a copy of our response sent to you on March 11, 2017.If you have additional questions or concerns regarding your fraud case or the outcome of theinvestigation, please contact your investigator Kim S***, or any representative on our AccountProtection team, at ###-###-####They will be glad to assist you.I hope you have found this information to be helpfulPlease feel free to contact our AccountProtection team at the number provided above if you need further assistance.Sincerely,Rosa M [redacted]

Thank you for contacting Comenity Capital Bank As the bank that issues [redacted] credit card accounts, we respond to all account-related concerns Your complaint, addressed to the Better Business Bureau, was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from your complaint that you purchased a camera from [redacted] three years ago, and at that time, you were offered an [redacted] credit card account, which you declined You are requesting that the Bank refund any payments received, above the cost of the camera, because you never accepted, never received, and never authorized the issuance of the above-noted account We understand your concerns, and we sincerely apologize for any frustration you may have experiencedWe have reviewed the [redacted] account, and we are pleased to share our findings Bank records indicate that you were selected for a pre-approved credit account offer based upon the information listed in your credit file which satisfied the Bank’s criteria for creditworthiness On November 27, 2011, you accepted the prescreen offer and were approved for an [redacted] credit card account; failure to close the account within thirty days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Bank records further indicate the following charges were applied to the account: a charge of $was applied on April 23, 2012, a charge of $was applied on April 24, 2012, and a charge of $was applied on April 25, On May 7, 2012, a statement was issued indicating a balance of $with a minimum payment of $25.00, due by June 2, As no payments were received by the due date(s) for the months of June and July 2012, late fees and finance charges were assessed to the account, pursuant of the terms outlined in the CCABilling statements continued to be sent monthly, and as payments were not received, or were received after the due date, late fees and finance charges continued to be assessed to the account Please understand that the Bank declines the request to refund any payments received, above the cost of the camera, as the balance on the account was valid when the payments were received, pursuant to the terms and conditions outlined in the CCA Enclosed, please find a copy of the CCA, for your review Although there were no Bank errors, in the interest of customer service, we have issued credits totaling $258.02, for previously assessed Bank fees Additionally, in the interest of customer service notification has been sent to the national credit-reporting agencies with instructions to remove the reported delinquency for November through September 2015, with regard to your [redacted] account Please allow the credit-reporting agencies days to update their records.As of the date of this letter, the account balance is zero and your credit limit is $ Should you wish to close the above-noted account, you may do so by contacting me at the number listed belowLastly, if you choose to stop receiving “prescreened” offers of credit from this and other companies please call toll-free ###-###-#### to make the request 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 - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-####http://www.experian.com http://www.transunion.com http://www.equifax.comIf 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 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 [redacted] We received your complaint, addressed to the Revdex.com, regarding the above referencedaccountComenity Capital Bank previously issued American Laser Skincare creditaccounts, and we are here to help with account-related questionsYour complaint wasforwarded to my attention, and I appreciate the opportunity to respond to your concerns.We have reviewed your account, and our records indicate that the Bank previously respondedto this complaint on May 8, We have enclosed a copy of our previous response for yourrecordsPlease be advised that our position remains unchanged.Additionally, Comenity Bank is unwilling to delete the information that is reporting accurately tothe credit bureaus regarding the American Laser Skincare credit account.We apologize for any inconvenience this matter may have caused youShould you have anyadditional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations SpecialistThank you for contacting Comenity Capital BankAs the bank that issues your American Laser Skincare(ALS) credit card, we are here to help with your questions.You recently disputed a transaction on your American Laser Skincare (ALS) accountDue to the servicenot received, a credit of $has been applied to your account.Please be advised that Comenity Capital Bank and American Laser Skincare are two separate entities.The Bank is responsible for addressing questions related to credit accounts, while American LaserSkincare is responsible for the handling of matters related to sales, services provided and refunds.As of 05/07/2015, your balance is $Please note if you have a zero balance you will not receive astatement showing the adjustments.While we investigated this matter, we issued your account a temporary credit for the disputed amountand, if applicable, any related finance chargesThese credits appeared on your billing statement as aprovisional credit and a finance charge creditYou will see both credits removed on your nextstatementWe also postponed charging any interest on the disputed amount while we were investigating;if applicable, this interest will appear on your next statement as finance charge recovery.We have updated the information we provided to the credit bureaus to reflect the correct information.We value you as a customer and apologize for any inconvenience this may have causedIf you havefurther questions about your account, please contact us at ###-###-#### (TDD/TTY: ###-###-####).We will be happy to help you.Sincerely,Customer Care team [redacted] ***SEND BANKRUPTCY NOTICES/RELATED CORRESPONDENCE TOPO Box 183043, Columbus, OH 43218-3043The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis ofrace, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into abinding contract); because all or part of the applicant's income derives from any public assistance program; or becausethe applicant has in good faith exercised any right under the Consumer Credit Protection ActThe Federal agency thatadministers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, ConsumerResponse Center, Walnut Street, Box #11, Kansas City, Missouri 64106.MASSACHUSETTS RESIDENTS ONLYMassachusetts law contains prohibitions substantially similar to those contained in the Federal Equal Credit OpportunityAct, discussed above, except that Massachusetts law does not prohibit discrimination because the applicant has in goodfaith exercised any right under the Consumer Credit Protection ActThe State agency that administers compliance withthe state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts02108.OHIO RESIDENTS ONLYThe Ohio laws against discrimination require that all creditors make credit equally available to all credit worthycustomers, and that credit reporting agencies maintain separate credit histories on each individual upon requestTheOhio Civil Rights Commission administers compliance with this law.WASHINGTON RESIDENTS ONLYWashington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color,national origin, sex or marital statusThe Washington State Human Rights Commission administers compliance with thislaw

I did not accept the response due to the fact that the there is an unwillingness to resolve the issue of the reporting to the credit bureau I can obtain bank account statements showing the payments were made and returned if needed, however there may be fees associated to obtain the paper statements, I will submit fees to commenity Regards, [redacted] ***