Comenity Capital Bank

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com: how long is going to take for them to remove the hard inquiry from my credit bureau?
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***

Comenity Capital Bank (Bank) has received your correspondence regarding the
abovereferencedaccountComenity Capital Bank issues the Healthiplan credit accountWe are hereto answer your questions and assist with your concerns.We previously received and responded to your correspondence submitted to the Bank regardingthis same matterPlease find enclosed a copy of our response dated August 16, 2017.Please be advised, we provide monthly billing statements with the plan end date listedThe planend date is also listed on the agreement you signed when you opened the accountBecause thepurchase was not paid in full by the plan end date, our position remains unchanged.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Nicole F**

This person is not correct Not only did I contact Comenity by phone, but I also wrote letters because I wanted to payment arrangements to be in writing of those letters were certified mail and I do have the receipts showing that they were signed for by somebody at Comenity
Regards, *** ***

I am rejecting this response because: When asked for a resolution, I stated that I wanted to discuss this matter with a managerI have asked for a manager to call me and discuss the system (which automatically rejects a bankruptcy, even after four years) I was told by Rosa that a manager would in fact call me back last week and never received the call

Dear Mr*** Thank you for contacting Comenity Capital BankAs the bank that issues GameStop PowerUp Rewards™ credit card accounts, we respond to all account-related concernsYour complaint, addressed to the Revdex.com, was forwarded to my attentionI appreciate the
opportunity to respond to your concerns. We understand from your complaint, you made a payment in the amount of $on November 13, 2015, on the above-noted accountOn November 16, 2015, you contacted your personal financial institution to inquire about the status of the payment, and at that time, you were advised that the payment had not been withdrawn from your checking accountYou contacted Comenity Capital Bank and you state that you were advised there was no record of the $payment, and that your GameStop PowerUp Rewards™ account had a past due amount of $20.00, which you agreed to pay with the Bank representative on November 16, 2015. On November 21, 2015, you received a call from Comenity Capital Bank requesting an additional payment of $20.00, due to the original payment being returned to the Bank as insufficient fundsAfter again speaking with your personal financial institution, you were notified that the payment of $was processed successfully on November 17, You are requesting the Bank apply the payment of $to your account, remove the suspension that was added to your account during this process, and compensate you for the overdraft fee that you received from your personal financial institution because you were not informed that the $payment was still going to be processed. We have reviewed your account, and we are pleased to share our findings below. Bank records indicate that a billing statement was issued on November 8, 2015, indicating a balance of $with a minimum payment of $63.00, due by December 4, On November 13, 2015, a payment in the amount of $was scheduled online from your personal financial institutionThe Bank attempted to withdraw this payment as scheduled. Bank records further indicate that you contacted our office on November 16, 2015, regarding the payment of $30.00, and at that time, you were advised by a Bank representative that the payment posted to the account, resulting in a remaining minimum payment amount of $(a past due amount of $and a scheduled payment of $13.00), due by December 4, Per your request, a payment in the amount of $was scheduled with a Bank representative on November 16, 2015, to cover the past due amountThis payment posted to your GameStop PowerUp Rewards™ account on November 16, 2015. Bank records do not indicate that you were advised that the payment of $was not made on the account during this call. After two attempts were made to process the $payment, Comenity Capital Bank received notification from your financial institution that there were insufficient funds to cover the payment amount. As a result, a returned check fee of $was assessed, the $payment was added back into the balance of the account, and a restrictive status was placed on your GameStop PowerUp Rewards™ account, due to the number of returned payments within a ninety day period. Please understand Comenity Capital Bank attempted to process the payment of $on November 13, 2015, as scheduledUnfortunately, our attempt was unsuccessful and a second attempt was made to process the $payment, per standard Bank operating proceduresComenity Capital Bank finds there to be no errors in the processing of your payment; as such, we respectfully decline your request for compensation for the overdraft fee that you received from your personal financial institution. However, Comenity Capital Bank has identified that you were provided with inaccurate information regarding the returned payment amount on November 21, As a result, you scheduled an additional payment in the amount of $for November 24, 2015, with a Bank representativePlease be assured that this payment was cancelled, per your request. On behalf of Comenity Capital Bank, please accept my sincere apology for the inaccurate information that you were provided regarding the account status on November 21, Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followedDue to the confusion this situation may have caused, a credit in the amount of $has been issued to the account and the restrictive status has been removedYour account balance is $and your credit limit is $350.00. We value you as a customer, and we hope that this experience has not deterred you from using your GameStop PowerUp Rewards™ account, or continuing to shop with GameStop. We hope you find this information to be helpfulIf you have any further questions, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you. Sincerely, Lauren S***

Dear *** ***We have received the complaint, that you sent to the Revdex.com, regarding the above-referenced accountComenity Capital Bank issues Smile Generation Financial credit accounts, and we are here to help with your account-related questionsYour complaint was forwarded to
my attention, and I appreciate the opportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you financed dental treatments on your Smile Generation Financial credit account and you are not satisfied with the quality of work providedAdditionally, you stated that you are being charged fees and are requesting that your balance be reducedWe apologize for any frustration or inconvenience this situation may have caused you.Please be advised that Comenity Capital Bank and Smile Generation are separate entitiesThe Bank is responsible for addressing questions related to the Smile Generation Financial credit account, while Smile Generation is responsible for addressing concerns regarding treatments, charges, and refunds.Bank records show that a purchase of $posted your account on November 11, This purchase was placed on a 6-month, deferred interest, payment required plan, set to expire on May 14, In addition, a purchase of $posted to your account on November 11, This purchase was placed on a 12-month deferred interest, payment required plan, set to expire on November 12, For purchases on these plans, the customer is required to make payments on the promotional balance based on the standard repayment terms for their accountInterest 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 are 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 revolving balance.Our records further indicate for the months of December 2014, January 2015, February 2015, March 2015, April 2015, May 2015, June 2015, July 2015, August 2015, and September payments were not received; therefore, late fees were assessed to your accountFurthermore, as a result of the promotional balance of $but being paid by the plan’s end date, accrued finance charges of $were assessed to your account on May 14, 2015.Please be advised that we have reached out to Smile Generation regarding the charges on your account and we have been advised that a refund is not due as treatments were provided.Our records further indicate that on June 20, 2015, your Smile Generation Financial credit account was written off and reported to the national credit-reporting agencies as an unpaid debt due to non-paymentFurthermore, your account was sold to Portfolio Recovery on September 22, Please contact Portfolio Recovery at ###-###-####.I hope that the information I provided is helpfulShould you have any additional questions or concerns regarding this letterhari, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely,Jenny W*** *** ***

I have tried since the return of the battery charger,purchased at the end of June, probably the 24th, to thereturn on June 29th to please explain the charges on myaccountWas it a stocking fee, no explanation was givento me all the times I called but Comenity Bank keptadding charges as Late paymentsI still do notunderstand why a returned item would incur late chargesand the bank or HSN was never able to give me anexplanation.I began calling in August to HSN and they referredme to Comenity and told me to take it up with them.This battery charger was ordered from HSN but they didnot respond to my request for the origin of these chargesbut just kept referring me back to the bankI calledagain in August and then again in September because thelate fees were being piled onto my accountDuring thistime period I was subjected to a barrage of calls from thisbank during week nights late nights on weekends oftenwith no messages or announcing who was callingI wasable to trace the calls to the bank because the phonenumber was recorded by my machine.By November I was tired of the onslaught of calls and toput an end to the harassment by paying a $chargedirectly withdrawn from my checking accountI wasinformed that this would pay off any charges incurredand that I would get a call from a bank supervisor to verifythat the money had been withdrawn from my accountIwas given a confirmation number, No supervisor evercalled but the late fees kept piling onThis by the way,without ever getting an explanation as to what incurredthese late chargesNone of this was successful and thephone harassment continues to the presentThe latestcall came on Sunday at 10:30PM March 12.I am not sure if you can help me other than serve as awarning to help others avoid encountering this abusivetreatment from HSN and Comenity BankI am looking tosee if I can bring a suit against them in New York City SmallClaims Court since they were doing business in NYItmight seem drastic for a relatively small amount but noone should have to tolerate this harassment fromany commercial enterprisesIn answer to yourletter of March 13,no resolution has beenmade.Yours truly,

Dear *** ***Comenity Capital Bank has received your additional correspondence regarding the above-referenced accountComenity Capital Bank issues the My BJ’s Perks Mastercard credit cardsWe are here to answer your questions and assist with your concerns.You state that the Bank has confirmed that you were unable to review the online statements, and that you are willing to pay the remainder of the membership feeYou also ask that we re-consider and remove the additional late fee from the account.We apologize for any inconvenience or frustration this situation may have caused youAs indicated in our previous response, the account was enrolled in paperless billing on January 27, The enrollment was not cancelled until February 7, 2017, per your request.The Statement Ready Emails (SRE) were issued and sent to the email address of *** indicating the balance(s) and payment(s) due, and we do not have record of emails being returned as undeliverable from the email address you provided.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 Credit Card Agreement.As no Bank errors were found, we are unwilling to credit the account for any additional fees.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shawnda Y***

There was no stop payments and I am tired of the back and forth, as I said before my credit union was taken over by the Labor Credit union Send me my checks and I will send money orders from now on and I will pay on this acctuntil it is paid and I will never use them and will let everyone I know to not use them because they are petty and PayPal try to get over on the little person Revdex.com, thank you Paypal to show how petty you are, you are tacking on all the extra charges even while there is a disputes Screwing the little person, send me my checks, I don’t truth you.*** ***

I reviewed the response made by the business in reference to complaint ** ***, and find the resolution is satisfactory to me. However, I feel helpless since I am trapped in a cycle of businesses and banks (of which some names or partners have changed).I simply no longer wish business since one of the reasons I closed the account was that I had a prior ID theft A police report was filed in *** Now I am responsible to prevent fraud with all businesses I have not used nor plan to for more than years? It seems an impossible situation for me Was there a breach in any of the related accounts in terms of computer data during my prior account?So, each time I open a new letter, I call to prevent theft of an account I do not have?Still very frustrated and confused
Regards,
*** ***

I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
MrJones handled this issue in an efficient and timely manner

Response to the customer attached

March 9, *** ***
*** *** *** *** *** ***
*** *** ** *** RE: *** *** *** *** *** *** *** ** ***
***
*** *** *** *** ***
Dear *** ***: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the *** *** *** credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that you scheduled a payment in full for the balance, the day after the payment due dateYou state you received a statement in February with a balance of $You reviewed the balance via the Account Center website and there was a late fee assessed of $27.00, a fee of $and an additional late fee of $You state you then contacted the Bank and spoke with a representative regarding the late fees, who informed you the late fee could not be removed, as there was a late fee removed in October You state the late fee was assessed due to a technical issue with the Account Center website, which did not allow you to make a payment on a balance less than $The call was escalated to a supervisor, who refused to remove the late fees, therefore you requested your accounts be closedYou request the late fees be removed and the balance brought to zeroI am happy to share my findings 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 Credit Card Agreement Bank records indicate a billing statement was issued December 17, 2016, with a balance of $and a minimum payment of $due by January 12, A credit of $posted to the account on December 22, 2016, and a charge posted on December 24, 2016, for $12.92, bringing the outstanding balance to $Due to no payment received by the due date a late fee was assessed A billing statement was issued on January 17, 2017, with a balance and minimum payment of $due by February 12, Due to no payment received, a late fee of $27.00, and a finance charge of $was assessed to the balanceA statement was issued on February 14, 2017, with a balance of $and a minimum payment of $due by March 12, On February 17, 2017, when you spoke with a Bank representative the account did not qualify for a late fee removalAs a courtesy, a credit of $was issued toward the late fees A billing statement was issued August 17, 2016, with a balance of $and a minimum payment of $due by September 12, The return credit of $posted to the account on August 23, However, the remaining balance was not paid by the due date and a late fee was assessedPayments made via the Account Center website must be $or more, however payments are accepted via phone, via mail and in-store Although the Bank finds no error, in the interest of customer service, we have credited the remaining fees of $ Although the account was closed per your request, we hope that you continue to shop with *** *** I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, *** ***
*** ***
*** *** * *** ***
*** *** *** ***

Thank you for your additional concerns
provided to the Revdex.com regarding the above-noted account. Comenity Capital Bank issues My BJ’s Perks
World for Business accounts, and we respond to all account-related
concerns. Your complaint was forwarded
to my attention, and I appreciate the opportunity to assist youWe have received your additional concerns regarding
the above account.Please be assured that I have been in contact
with BJ’s directly, and they have agreed to add $to member number
***, which is the membership number provided in the complaint.Please be aware that there is not a membership
number associated with the account number ending in 2220. In the future, this account would need to
have a member number in order to receive and redeem awards.We apologize for the frustration and
inconvenience that you may have experienced regarding this matter. Please contact me at ###-###-####, ext***
(TDD/TTY ###-###-####) with your BJ’s Member ID so we can update the account,
and issue your cards. I look forward to
speaking with you.Sincerely, Justina M*** *** ***

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

Dear Mr*** Comenity Capital Bank is in receipt of an additional complaint, submitted to the Revdex.com, regarding the above-noted account. As the bank that issues the HSN credit card, we are here to respond to all credit related questions. I appreciate the opportunity to assist youWe understand your additional concerns regarding the prescreen offer for an HSN credit card account, which you believe was declined by you, and the charges that were subsequently applied to the account in April We sincerely apologize for the continued frustration that you have experienced as a result of this matterPlease be advised, Bank records indicate that a welcome kit, which included the HSN credit card and the Credit Card Agreement (CCA), was mailed to the address listed at the top of this letter on November 28, 2011. Additionally, notification about the account status, including any purchases and/or fees that were assessed to the account, was listed on the monthly billing statementsBank records do not indicate that the welcome kit or any billing statements were returned to the Bank as undeliverable Furthermore, Bank records indicate that three transactions were applied to the above-noted credit card account in April 2012. These transactions included: a Fashion Camera Carry for $44.00; a GE Power Pro XCamera, for Flex Payment of 4, for $43.41; and a Warranty + Replacement for $19.95. On May 7, 2012, a billing statement was issued indicating a balance of $with a minimum payment of $25.00, due by June 2, 2012. As no payment was received, a late fee and finance charge were applied to the account. On May 9, 2012, a credit of $was applied to the above-noted account for the returned Fashion Camera Carry. However, on May 24, 2012, a transaction in the amount of $34.98, for Flex Payment of 4, was applied to the account. On June 6, 2012, a billing statement was issued indicating a balance of $with a minimum payment of $31.00, due by July 2, 2012. Again, as no payment was received, a late fee and finance charge were applied to the account. On June 23, 2012, a transaction in the amount of $34.98, for Flex Payment of 4, was applied to the account. On July 7, 2012, a billing statement was issued indicating a balance of $with a minimum payment of $40.00, due by August 2, 2012. Again, as no payment was received, a late fee and finance charge were applied to the account. Please understand that HSN and Comenity Capital Bank are two separate entities. Therefore, if you believe that you did not receive the GE Power Pro XCamera or the Warranty + Replacement, we encourage you to contact HSN’s Customer Service team directly at ###-###-####, for additional assistance. Comenity Capital 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. Lastly, your HSN credit card account was closed on November 4, Although you requested to close your HSN credit card account, we hope that you continue to shop with HSNShould you have any further questions about this letter, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist youSincerely, Lauren S***

I disagree and bthats it I'm going to file a lawsuit on comenity bank and that's I I tried using it in Nov to Jan and they had a block on my account and at this point I'm done I'm taking the next level

I am asking for my $back for unnecessary late fee charges and I will not accept your response until I see action with a payment to me

Dear *** ***Comenity Capital Bank (Bank) has received your additional correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Gordon's Jewelers credit cardWe arehere to answer your questions and assist with your concerns.We apologize if you did not receive our response dated February 21, 2017, when it was originallysent, or when it was enclosed with our response dated March 3, We are again sending thiscorrespondence to youPlease be advised a hard copy will be mailed to your address, as well asproviding the response to the Revdex.com.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***Compliance Dept- Consumer Responsescc: Revdex.comEnclosureComenity Capital BankPO Box 182025_______________________________March 3, 2017Dear *** ***Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Gordon's Jewelers credit cardWe arehere to answer your questions and assist with your concerns.We understand your concerns regarding the interest charges that have been assessed to youraccountYou state that Gordon's Jewelers offered a or month 0% interest promotion onyour purchase; however, your account has been assessed interest prior to that timeframeWeapologize for any frustration this matter may have caused you.We previously received and responded to your correspondence submitted regarding this samematterPlease find enclosed a copy of our response sent to you on February 21, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Rosa M***

IFirst I want to thank you for your support & effort to get this case resolved; however this Comenity group doesn't seem to get it.IIIn a recent memo your letter stated that the Revdex.com is closing this case because no response had been received by this Comenity group(Aug2016)IIIYour letter asked to respond to the Revdex.com if we heard or hearing from ComenityUntil Oct this year no.IVNow, we are receiving as many as calls/day from this groupSeems to never end. VThis cosends reams of paper work displaying what a wonderful job they are doing in protecting the consumer....nothin in this report(s) reflect that a pmt9/'for to cover a lost or stolen check issued in April nothing!IVI will take part responsibility for not identifying the error in a statement issued by Chase Bank, but that itNot $500-worth.VIIVia phone menu/transaction Sept '16, pmt was made to ComBank to satisfy said missing check; (see attached) Their bank officer or dispute resolution bureaucrat stated that this would satisfy this debt & we would not be hearing from ComBank, from that time forwardNow they are calling 10+ times daily!!VIIIHeathiplan/Comenity group stated in a memo that they issued a credit card to me not so? I wouldn't use it no matter whatThey think they are doing everyone a great favor.IXMerry Christmas/Happy New Year to all at the Revdex.com.Sincerely,*** ***in might be really good P.Rthat Comenity issue a check for $to cover cost of "stop pmt" on a missing checkJust a thoughtDB