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 Comenity Capital Bank.The PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill MeLater, IncPayPal Credit is a payment option made available by many merchants to theircustomers.Please note, the address provided in your complaint does not match the address we haveon filePlease log into your PayPal account to update your billing information or call us at###-###-####.Your complaint states a payment you made to your PayPal Credit account was processedin a different time zone, causing your payment to post after your payment due dateYoustate you contacted PayPal Credit to resolve the issue; however, Late Fees continue to beassessed to your accountYou indicate you were told by a PayPal Credit supervisor noadditional fees could be waivedYou are requesting that PayPal Credit waive the fees onyour account.PayPal Credit's records reflect you contacted PayPal Credit Customer Care on April 14,2015, requesting assistance in adding your bank account to paypal.comTherepresentative with whom you spoke advised you would need to be transferred PayPal forfurther assistance and transferred the call for you.Please note, although PayPal Credit is a subsidiary of PayPal, the systems used to retainconsumer information are stored separatelyUpon receipt of your complaint, PayPal Creditcontacted PayPal for information regarding the payment referenced in your complaint.PayPal advised the PayPal representative with whom you spoke on April 14, 2015,scheduled a $.OO payment for you to your PayPal Credit account; however, the associatescheduled your payment for April 15, 2015, rather than April 14, As a result, yourPayPal Credit account was assessed a Late Fee of $35.00.On May 12, 2015, you contacted PayPal Credit Customer Care regarding the Late Feeassessed your accountYou stated you made your payment on April 14, 2015, with anagentThe representative with whom you spoke advised your payment did not processuntil April 15, 2015, because the system processed your payment in a different time zone.Unfortunately, that information was incorrect, and the payment was processed on April 15,for the reason listed in the previous paragraph; however, as a result of this call, therepresentative waived the $Late Fee from your accountThe representative advisedthe Late Fee would be deducted from your balance but would not change the minimumpayment requirementThe representative advised she would submit a request to determineif your minimum payment could be reduced; however, if your minimum payment amount didupdate on your account online, you would remain responsible for the minimum payment dueof $identified on your April billing statement.On May 14, 2015, you called PayPal Credit regarding your request to have your minimumpayment reducedThe representative with whom you spoke advised your request was stillpending and to adjust your minimum payment to $Additionally, a PayPal Creditsupervisor called you on this same date, regarding your requestThe supervisor advisedyour minimum payment could not be reduced in time for your minimum payment due datebecause of the processing timeframe; however, the supervisor advised he could waive anadditional Late Fee, once postedOur records reflect a $Late Fee assessed to youraccount on May 17, 2015, but was later credited back to your account on May 19, 2015,which was reflected on your June statement.Our records reflect a payment of $.OO was received from you on June 14, 2015; however,this payment did not meet your minimum payment requirement of $70.00, as indicated byyour statement for the billing cycle ending May 17, 2015; therefore, your account wasassessed a late fee of $on June 17,2015.On June 15, 2015, you called PayPal Credit regarding the Late Fee you received on youraccountThe representative advised that two fees were previously waived and that perPayPal Credit policy, no additional fees could be waivedPer your request, you weretransferred to a supervisorThe supervisor advised that another late fee could not bewaivedThe supervisor also advised that you would receive an additional Late Feebecause you did not meet your minimum payment requirement by June 14,2015.Please note, PayPal Credit has waived an additional $Late Fee from your account.This credit will be reflected on July billing statementAdditionally, PayPal Credit hasreduced your minimum payment requirement for your July 14,payment due date.As of the date of this letter, your account reflects as open with a balance due of $1,644.35.A minimum payment requirement of $is due by July 14, Going forward, pleaseensure you meet the minimum payment requirement outlined on your monthly billingstatement by your payment due date to avoid future Late Fees to your accountWe sincerely apologize for the frustration and confusion you have experienced, and wehope this letter explains and resolves this matter.Sincerely, [redacted] ***Compliance Dept- Consumer Responses

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Lending Club Patient Solutions credit accountWe are here to answer your questions and assist with your concerns I understand from your correspondence that you disagree with the balance as you believe the Bank has added fraudulent charges to your account After a thorough investigation, our records indicate the billing of your account is accurate, and no errors were foundPlease find enclosed, copies of the billing statements that show how the account balance was comprisedIf you find any discrepancies, please contact me, and I’ll be happy to review the account furtherAt this time, no adjustments are due on your account I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Kristina W***

They are still going to charger me over 20% interest on my zales purchase even though I was not aware of that hefty interest price or I would not have got my wife's wedding ring there I would have went to [redacted] 's where the interest is much lower

From: Presutti, Jennifer [mailto:[email protected]] Sent: Tuesday, January 24, 1:PMTo: Catherine McLaughlinSubject: Extension Request ID - WarrenSensitivity: PrivateHi Catherine, I am requesting a 10-day extension for the above-noted complaint through 2/9/ Please let me know if approved Thanks! Jennifer PresuttiCompliance Analyst | Enterprise Compliance Comenity LLC, an Alliance Data CompanyLoyalty Circle, Columbus, OH 43219Office:

Dear Ms [redacted] We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced accountComenity Capital Bank issues Toyota Rewards credit card accounts, and we are here to help with your account-related questionsI appreciate this opportunity to assist youAs indicated in the previous response dated November 8, 2015, the Bank received your application and you were approved for the Toyota Rewards credit card accountWe have enclosed a copy of our previous response for your reviewPlease note, Comenity Capital Bank’s application processing has predefined qualifications which determine whether a customer qualifies for the Toyota Visa or Toyota Rewards credit card; as such this does not guarantee every applicant the Toyota Visa credit cardThe email you received stating approval of the Toyota Visa account was sent in errorAlthough you did not receive the Toyota Visa credit card, we want to assure you that you will have the opportunity to enjoy the benefits of being a Toyota cardholderSome of the benefits are reward points per every $spent in dealerships, unlimited points with no expiration, and redeeming your points for cash back in the form of a statement credit, gift cards, travel or merchandiseThe Toyota Rewards Program is provided by Comenity Capital Bank which is solely responsible for the Program operation, including all rewardsComenity Capital Bank may change the terms of the Program at any timeSee www.comenity.net/toyuotarewardscreditcard for Rewards Terms and ConditionsWe hope this information is helpfulShould you have any further questions or concerns, please contact me at ###-###-####, extension [redacted] (TDD/TTY ###-###-####)I will be happy to assist youSincerley, Shelley A***

February 3, 2017 [redacted] RE: [redacted] RevDex.com Complaint ID# 11951272 Dear... [redacted] : Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you ordered shirts from [redacted] , and once you received them, you returned them as they were not your desired color. You called and informed [redacted] why you were returning the shirts and provided them with the [redacted] tracking information. You were advised that the account would be credited. You state they offered free shipping and handling; therefore, once the credit was received, the account balance should be zero. However, there is an outstanding balance of $113.72 for two late fees, the shipping and handling, and an additional charge. You are requesting a full credit for the balance. I am happy to share my findings. Please note that [redacted] and Comenity Capital Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. [redacted] is responsible for handling matters related to sales, merchandise processing, returns and shipping. Please 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, as explained in the Credit Card Agreement. Per [redacted] ’s policy, the account was credited back for the merchandise and applicable sales tax; however, the shipping and handling and return label fee is not credited. Additionally, there was a charge of $1.99 for the [redacted] VIP Plus program, which is offered directly by [redacted] and offers perks and discounts. The program has an introductory fee of $1.99 and was cancelled on December 3, 2016. As no payment was made for the December 6, 2016, and the January 6, 2017, due dates, applicable late fees and finance charges were assessed to the balance. In the interest of customer service, we have credited the balance of $113.72 and submitted notification to the credit bureaus to delete the 30 day late reported for January 2017. Please allow the credit bureaus 45 days to update their records. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at (800) 820-8932. Sincerely, [redacted] cc: RevDex.com

Comenity Bank (Bank) has received your correspondence, submitted to the Better BusinessBureauComenity Bank issues various credit cardsWe are here to answer your questions andassist with your concerns.We would like to help resolve any concerns you have; however, based on the information providedin your correspondence, we have been unable to identify the account in questionIn order tobetter assist you, please provide us more specific information regarding your concerns.Please provide the account name and complete account numberIf you are disputing charges orpayments on the account, please provide the date and amount of the transaction, and the reasonyou are disputing itIf you believe there are errors in the reporting of the account, please providedetails.Once this information has been received, we will be able to more accurately address anyconcerns you may havePlease send this information to my attention at the address on the topof this letter.If you have any questions or concerns, please feel free to contact me at 800-820-8932.Sincerely,Rosa M [redacted] Compliance Dept– Consumer Responsescc: Revdex.com

Dear Ms [redacted] Thank you for your complaint regarding the above-noted credit card accountComenity Capital Bank issues Ultamate Rewards MasterCard accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate this opportunity to assist youYour complaint states that Comenity Capital Bank suspended your account until you contact useYou state that once you contacted us we asked security questions and you state that you answered all the questions correctlyHowever, you were asked by our representative to mail in a copy of your social security card, a utility bill and driver’s licenseYou state that you do not feel comfortable mailing the copy of the documents due to never having encountered a situation like this in the years of having credit cardsFurthermore you state that you are willing to mail in your driver’s license and utility bill; however, you will not send in a copy of your social security cardBank records indicate that the above-referenced account was opened in July 21, On August 21, 2016, a letter was sent advising that there were potential security concerns and/or irregular credit card transactions and the account was suspended for purchases, pending the completion of our investigationPlease be advised that Comenity Capital Bank monitors closely our accountsIn order for us to activate your account it is necessary to receive all of the documentation requestedWithout the documentation the account will be permanently closedPlease be advised that at Comenity Capital Bank, we value our customer’s privacy and ensure that all documentation mailed to us is handled with the utmost regard for your securityWe sincerely apologize for any inconvenience this matter may have caused you, and hope that you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact our Account Protection Team at ###-###-#### (TDD/TTY ###-###-####)They would be happy to assist youSincerely, Rosa M [redacted]

Dear Ms [redacted] We received your additional complaint, addressed to the Revdex.com, regarding your HSN credit card accountComenity Capital Bank issues HSN credit card accounts, and we respond to all account-related questionsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.We understand from the complaint that you believe you should be receiving a check for $plus the overpayments that you consistently payWe understand your concerns and apologize for any frustration this matter may have caused.I attempted to contact you by telephone on April 22, 2016, and April 25, 2016; unfortunately my attempts were unsuccessful.We have reviewed your HSN credit card account, and have enclosed a table which outlines your statement activity from December through April 2016, including: purchases, payments, and bank fees assessed.Please be assured all payments received were applied in full to your accountAdditionally, please be assured the late fee was credited in full for $on April 1, 2016; and a refund check of $was issued on April 18, 2016.We value you as a customer, and 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.Sincerely,Ashley R***

Dear [redacted] We received your correspondence sent to the Revdex.com regarding an Orbitz Rewards Visa credit check, which was Comenity Capital BankComenity Capital Bank issues Orbitz Rewards Vis credit cardsWe are here to answer your questions and assist with your concernsWe understand that you are saying that an inquiry has been made on your credit report by OrbitzYou are asking that we provide you with a copy of any request submitted by youAdditionally, you would like to know how we got your social security numberWe would like to help resolve the concerns you haveHowever, based on the information provided in your correspondence, we have been unable to locate any information for you in our systemIn order to better assist you, please let us know where you see the credit check having been madeIf the Bank is showing on your credit report, please provide us with a copy of the report so that we may further investigate your complaintOnce this information has been received, we will be able to more accurately address any concerns you may havePlease send this information to my attention at the address on the top of this letterShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Rosa M [redacted]

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

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the Blair credit card We are here to answer your questions and assist with your concerns Your correspondence indicates that all you owe is for two sweater vests at $each and a pair of stripe pants You state that you do not owe the balance of $306.30, and you continue to be billed late fees We sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that Comenity Capital Bank, Blair, and Haband are separate entities The Bank issues and is responsible for addressing questions related to Blair and Haband credit card accounts Blair and Haband are responsible for handling matters related to sales, merchandise processing, returns and shipping Blair and Haband allow cross-shopping 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 On January 9, 2017, our Billing Disputes team received correspondence from you regarding the above-referenced account We reviewed the concerns listed in your correspondence and we are happy to share our findings We apologize that your name was misspelled on the above-referenced account Please be assured, we have corrected the spelling of your first name in our records Our records indicate a Haband purchase of $posted to the account on March 17, This purchase consisted of the following items: One Printed Baseball Jacket, (Floral Print) for $24.99One Pearls Sweater, (Ivory) for $9.95One Sheer Woven Blouse, (Coral) for $7.99One Sheer Woven Blouse, (Teal) for $7.99One Pair Pull on Jeans, (Medium Blue) for $14.99One Pair Cotton Jeans, (Red) for $ On April 12, 2016, a return of $posted to the account, for the Baseball Jacket, Sweater, and both Blouses On April 11, 2016, a charge of $posted to the account for use of the Smart Label Our records indicate a Haband purchase of $posted to the account on May 6, This purchase consisted of the following items: One Print Soft Pants, (Coral) for $18.99One Patch Leather Bag, (Burnt Orange) for $On June 7, 2016, a Haband purchase of $posted to the account for a Faux Leather Jacket in Pink for $ On June 9, 2016, a return of $posted to the account, for the Pants and Leather Bag On June 7, 2016, a charge of $posted to the account for use of the Smart LabelOn September 9, 2016, a Blair purchase of $posted to the account This purchase consisted of the following items: Two Sweater Vests for $eachShipping and Handling for $If you have any further questions regarding your purchases made with Haband, please contact Haband’s Catalog Customer Service Department at ###-###-####If you have any further questions regarding your purchases made with Blair, please contact Blair’s Catalog Customer Service Department at ###-###-####Please be advised your payments are due on the 7th of each month 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, pursuant to the terms and conditions of the Credit Card AgreementAlthough we find the late fees and finance charges assessed to the account to be valid, the Bank has made the decision to no longer hold you responsible for the remaining balance In the interest of customer service, we have issued credits totaling $to the account Your account balance as of today’s date is zero Per your request we have requested for the Haband and Blair catalogs to be cancelled Please allow four to six weeks for all mailings to cease I hope you found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Laura R [redacted]

Comenity Capital Bank has received your complaint regarding the above-referencedaccountComenity Capital Bank issues the overstock™ credit card accountWe are here toanswer your questions and assist with your concerns.We understand from your complaint that you made a purchase on overstock™.com and it wassupposed to be placed on a month same as cash optionWhen receiving your August 2016statement it did not reflect an interest chargeOn your October you realized that you hadbeen charged interest at a rate of 27.24%You are requesting to have the transaction placed onthe month same as cash that you initially agreed to.The order placed on overstock™.com on July 16, 2016, in the amount of $ 2,was placedon the revolving line of credit which is subject to the annual percentage rate of 27.24%Pleaserest assure we have transferred your purchase to the month deferred interest paymentrequired promotion planThis plan will expire on July 17, 2018, by which time the remainingbalance of $2,will need to be paid in fullShould the remaining amount not be paid by theend date of the promotion plan, the accrued interest will be added to your account balance.On December 9, 2016, you contacted customer care and both of the finance charges werecredited to your account in the amount of $and $You will see all adjustments andchanges to the account transactions reflected on the next one to two billing statements.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

A credit of $is not sufficient due to the fact that I am being billed/charged for other services I have not received nor will I ever receiveHow is it ethical to continue to bill and harass me when I was the one that has lost hundreds perhaps thousands of dollars already and still Comenity continues to bill me when American Skin Care Laser the company I signed up for these services has filed for bankruptcyI just need to know if I should to get an attorney and file a law suit against Comenity BankSo I can do so Regards, [redacted] ***

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me. I hope that in the future that they will better protect their customers against sellers like this.

Dear [redacted] :We have received the complaint regarding the above-referenced account. Comenity Capital Bank issues Petland credit card accounts, and we are here to help with your account-related questions. Your complaint, addressed to the RevDex.com, was forwarded to my attention,... and I appreciate the opportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you purchased a puppy and $1,200.00 was charged to your account in June 2015. Furthermore, you state that your current bill is $1,678.23 because late fees and finance charges were assessed to your account. You further state that you have attempted to contact the bank to resolve the bill; however, you have not had any success. You are requesting that your account be corrected and reflect the actual amount owed and for the phone calls to stop. We apologize for any frustration or inconvenience this situation may have caused you.Our records indicate that on June 26, 2015, a purchase of $1,200.00 posted to your account and was placed on a 6-month deferred interest, 1% payment required plan, that expired on December 27, 2015. For purchases on these plans, the customer is required to make payments on the promotional plan balance that are less that the minimum monthly payments for their regular revolving balance (generally 1%). Interest is accrued (calculated, but not added to the balance) and if the balance is not paid in full by the plan end date, the accrued Finance Charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s regular revolving balance. Please be advised that the information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans”.Please note when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact the accountholder regarding the status of the account. Many times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current status. Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call the customer until our attempt to communicate is successful.Bank records further show that a payment was not received, or was received after the due date, for the months of August 2015, September 2015, November 2015, January 2016, February 2016, March 2016, April 2016, May 2016, June 2016, and July 2016. As a result of a payment not being received, late fees and finance charges were assessed to your account.Furthermore, on December 12, 2015, a statement was issued to you showing a balance of $1,160.00, and a minimum payment of $25.00, due by January 7, 2016. Under the “details ofyour plan” section, it stated that the balance of $1,160.00 needed to paid in full by December 27,2015, to avoid the accrued interest. As a result of the balance of $1,160.00 not being paid in full by the plan expiration date, the accrued finance charge of $198.32 was assessed to your account on December 27, 2015.Comenity Capital Bank did not find any errors with the account and we are unwilling to remove any fees, as they are valid.We hope the information provided is helpful. Should you have any additional questions or concerns regarding this letter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I would be happy to assist you.Sincerely,Jenny W***

Does this mean that Lenovo has communicated with Comenity Bank and has verified that IN FACT I only owe the amount for one computer ? I just want the correct charges for the computer: $ I was always willing to pay the charges for one computer, not two If that is the case, yes, I am happy to accept your intervention with the companies Lenovo/Comenity Bank Regards, [redacted] ***

Thank you for contacting the Revdex.com regarding the above-noted accountComenity Capital Bank issues the My BJ’s Perks World for Businessaccounts, and we respond to all account-related concerns Your correspondence was forwarded to my attention, and I appreciate the opportunity to assist you We understand that you have concerns regarding the award of $that was to be on the account when it was converted from Barclays BankPlease be advised that this is a business account, and the letter addressed to the Revdex.com did not have a name of whom the complaint was from Forthe security of the account, we are requesting that you send any requests for information and/or changes to the account, via fax on business letterhead to###-###-####We apologize for the frustration and inconvenience that you may have experienced regarding this matter Should you have any further questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I would be happy to assist you Sincerely, Justina M [redacted]

Dear Jesu Berkeley: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues My Place Rewards credit cardsWe are here to answer your questions and assist with your concerns We understand from your complaint that you received two phone calls on May 1, 2017, and you were not happy with the level of customer service receivedWe apologize for the inconvenience this matter may have caused you Please note, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you regarding the status of the accountMany times a payment is overlooked by the customer, and a reminder call is helpful to bring the account back to a current statusDue to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempts to communicate are successful It is never the intention of Comenity Capital Bank to frustrate our customers, and I certainly apologize for the inconvenience you experienced in this matterOur goal is to provide excellent customer service, and we are disappointed when this does not occurOur management team reviews calls of this nature, and makes appropriate recommendations for training or counseling purposes, should that be necessary Thank you for scheduling your payment for $for May 12, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely,Ashley H [redacted] Compliance Dept– Consumer Responses

This complaint has been resolved [redacted]