Comenity Capital Bank

We received your complaint, addressed to the Revdex.com, regarding your DAVID’SBRIDAL credit card accountComenity Capital Bank issues DAVID’S BRIDAL credit card accounts,and we respond to all account-related questionsYour complaint was forwarded to my attention, andI appreciate the
opportunity to assist you.We understand from the complaint that you entered an agreement to pay $on the 20th of eachmonth and since then your online account center access has been disabledYou further state thatyou have sent multiple requests to obtain the remaining balance on the account; however you’ve beenunsuccessful in receiving a responseYou are requesting the Bank provide you with the remainingbalance information; as well as provide you with the number of payments that are scheduled for theabove-referenced account.We have reviewed the issues in your complaint and apologize if you felt you did not receive the bestcustomer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe arecommitted to providing the best customer service and are disappointed when a customer feels thisstandard was not met.Bank records indicate that the DAVID’S BRIDAL credit card account exceeded six billings past due;the account was permanently closed by the Bank on November 17, 2016, and reported as an unpaiddebt to the national credit-reporting agencies in the amount of $2,832.01.Furthermore, Bank records indicate that on November 19, 2015, the account was permanently closedand written off, due to non-payment, and reported to the national credit reporting agencies as anunpaid debt with a balance owed of $2,832.01.We understand that the above-referenced account had payments scheduled in the amount of $236.00on the 20th of each month for months with the first payment being scheduled November 20, 2015.As of today’s date the remaining balance on the account is $The account is scheduled toautomatically withdrawal $on August 20, 2016, September 20, 2016, and October 20, 2016.Lastly, accounts that are written-off are unable to be viewed using the online account centerHowever,there is a separate website that is available for delinquent accounts including those that have beencharged-offThere is no need to register for the website; you will simply sign in using the accountinformation as seen on the monthly billing statementsTo review your account information pleasestart by accessing the following URL: comenity.net/paymenthelpOnce you have successfullylogged into the website, you will be taken to the Account Summary Screen where you can review theaccount balance information.We value you as a customer, and hope you find this information to be helpfulIf you have any furtherquestions, please contact me directly at 1-800-675-5685, ext(TDD/TTY 1-888-819-1918).I will be happy to assist you.Sincerely,Ashley R***Consumer Relations SpecialistCC: Revdex.com

.Thank you for contacting Comenity Capital
Bank regarding the above-referenced account.
As the bank that previously issued *** credit card accounts, 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 concernsWe understand from your complaint that you
received a disclaimer advising you that the *** credit card program had
ended, and thanking you for the payments submitted to Comenity Capital
Bank. Additionally, you were advised of
the promotional balances that were moved to a revolving plan. You also state that you understand the
finance charges for the unpaid balance; however, you are requesting that the
Bank explain the promotional to revolving transactions and remove the
additional fees from the account. I am
happy to share my findings with you.Our
records indicate that purchases of $and $were charged to the
account on August 25, 2014, and were placed on a 6-month deferred interest,
payment required, promotional plan, scheduled to end on February 25, 2015. A
purchase of $was charged to the account on November 28, 2014, and was
placed on a 6-month deferred interest, payment required, promotional plan,
scheduled to end on May 31, A
purchase of $was charged to the account on November 29, 2014, and was
placed on a 6-month deferred interest, payment required, promotional plan,
scheduled to end on June 1, As
agreed upon at the time of these purchases, no interest would be assessed to
the account, should the balances of all promotional plans be paid in full as of
the scheduled ending dates. This
information was provided on all billing statements in the “details of your
plans” section, that should the balances not be paid in full, accrued finance
charges dating back to the original date of purchase would be assessed to the
account. The details of your plans
provides the original purchase date, original purchase amount, promotional plan
end date, previous plan balance, purchases and charges, payments and credits,
new plan balance, accrued interest and total accrued interest. When
the account billed on March 23, 2015, as the purchase of $and the
purchase of $were not paid in full by the plan expiration dates, the remaining
promotional balance totaling $was placed into the revolving balance, and
the accrued finance charges totaling $were assessed to the account. When
the account billed on June 22, 2015, as the purchase of $was not paid in
full by the plan expiration date, the remaining promotional balance of $was
placed into the revolving balance, and a finance charge of $was assessed
to the account. Additionally,
on the June 22, 2015, billing statement, as the purchase of $was not
paid in full by the plan expiration date, the remaining promotional balance of
$was placed into the revolving balance, and a finance charge of $was
assessed to the account. Enclosed are
the statements for your review.Please
be advised, there is no grace period for promotional plansAs
of the date of this letter, the account balance is $2,251.83. The Bank considers this balance to be valid.We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience. If you have any further questions regarding
your account, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####). I will be happy to assist
you

Dear Ms*** We received your additional complaint, addressed to the Revdex.com, regarding the above-noted account. Comenity Bank issues Victoria’s Secret/PINK credit card accounts, and we respond to all account-related inquiries. Your correspondence was forwarded to my attention, and I appreciate this opportunity to assist youWe understand your continued concerns regarding identity theft, and apologize for any inconvenience or frustration this situation may have caused you. Please be assured that the documentation you provided has been received by our Account Protection (Fraud) Team for investigation. Your claim has been assigned fraud case number 20151009-302, and your investigator is Melinda Hackler. The investigation may take up to days to be completed, and you will be notified by mail of the outcome. We hope that this information is helpful. If you have any further questions or concerns, please contact our Account Protection (Fraud) Team at ###-###-#### (TDD/TTY ###-###-####) and refer to your case number ***. They would be happy to assist youSincerely, Melissa L***

Dear Ms***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 an unauthorized credit inquiry, dated June 18, 2015, is showingon your credit reportYou did not authorize a credit application and the credit inquiry isnegatively affecting your credit scoreYou would like the credit inquiry be removed fromyour credit report.PayPal Credit's records reflect your PayPal Credit account was opened on June 18,2015, during a PayPal transaction with PayPal merchant Walk Your Dog With LoveInorder for an application to process with PayPal Credit and an account to be opened, theconsumer must provide their name, date of birth, last four digits of their social securitynumber, and agree to and accept the electronically presented Terms and Conditions atthe time of applicationPlease note, this transaction was not funded using your PayPalCredit account.Per Section "Credit Investigation and Reporting" of the PayPal Credit Terms andConditions, "[ylou agree that we and/or Bill Me Later, Inchave the right to obtain acredit report in connection with our review of your application for this Account and for anincrease in the Credit Line and occasionally and routinely, during the term of thisAccount, as we deem reasonably necessary to maintain and collect this Account." Acopy of the Terms and Conditions are enclosed for your referenceWhen you agreed tothese Terms and Conditions, a credit check was performed and you were approved fora PayPal Credit account with a credit line of $2,000.Upon receipt of your complaint, your account was referred for investigationOn July 16,2015, your account was reviewed and your fraud claim was deniedWith theinformation currently in PayPal Credit's possession, there is no indication of fraud inconnection with your accountIn order for PayPal Credit to further investigate thismatter, we ask that you provide additional documentation, such as a copy of a policereport, to the below address:PayPal CreditAttn: Customer Security OperationsPO Box 8Timonium, MD 094PayPal Credit is unable to accommodate your request to remove the inquiry from yourcredit reportThe inquiry can only be removed if the application was submitted by anunauthorized third partyAs of the date of this letter, your account is open with a zerobalance.We hope this letter explains and resolves this matter.Sincerely,Laura R*** *** * *** ***

Dear *** ***Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Overstock Store credit cardWe are hereto answer your questions and assist with your concerns.We previously responded to your inquiry regarding this
same matterPlease find enclosed a copyof our response sent to you on April 5, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S***

In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 09/29/Please let me know if this extension date is not approved

Dear *** ***We have received the complaint regarding the above-referenced accountComenity Capital Bank issuesLending Club Patient Solutions credit accounts, and we are here to help with your account-relatedquestionsYour complaint, addressed to the Revdex.com, was forwarded to
my attention, andI appreciate the opportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you financed a medical procedure on your account;however, you state that you were not aware that you were required to pay the loan off in a year, and that ifit wasn’t paid you would be assessed the interest chargeYou are requesting that the Bank issue a creditfor the previously assessed interestWe apologize for any frustration or inconvenience this situation mayhave caused you.Our records indicate that on December 8, 2014, a purchase of $4,posted to your account, and wasplaced on an 18-month deferred interest, payment required plan that expired on June 10, Forpurchases on these plans, the customer is required to make the payments on the promotional plan balancebased on the standard repayment terms for their accountInterest is accrued (calculated, but not added tothe balance) and if the balance is not paid in full by the plan end date, the accrued finance charges, whichwere calculated from the date of the original purchase, will be added to the deferred balance, and thisbalance will be moved to the customer’s revolving balancePlease be advised that the informationregarding your promotional plans appeared on your monthly billing statements, under the heading, “detailsof your plans”I have enclosed your billing statements, and the sales agreement, for your review.Bank record further shows that on May 24, 2016, a statement was issued to you showing a balance of$1,966.00, with a minimum payment of $79.00, due by June 19, Furthermore, under the heading“details of your plans”, it stated the balance of $1,needed to be paid in full by June 10, As aresult of that balance not being paid in full, the accrued finance charge of $1,was assessed to youraccount.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 helpfulShould you have any additional questions or concernsregarding this letter, please contact me at ###-###-####, ext*** (TDD/TTY ###-###-####)Iwould be happy to assist you.Sincerely,Jenny W***

I have received my money Thank you your helpHave a great day Grace

If you wanted to and provided good customer service you could correct the delinquent amount The fact that the website keeps displaying account past due please pay immediately and when you go to click pay it shows $due and I have screenshots showing that That is totally information on your part and should take responsibilityIf correct information was show this could have all be avoidedThis account has never been reported late until now with the incorrect information being provided

Dear Ms***: Thank you for your recent complaint regarding the ***’s credit card account. Comenity Capital Bank issues ***’s credit card accounts, and we are here to help with your account-related questions. I appreciate this opportunity to address your
concerns We understand from the complaint that you made a settlement agreement with the Bank in April for the amount of $324.96. After the payment was made, you contacted the Bank to confirm the account was paid in full; however, you were advised that we had no record of the settlement agreement, and a balance was still due. You are requesting that the account is reported as paid in full. We apologize for any frustration or inconvenience you may have experienced as a result of this matter Bank records indicate that on May 6, 2016, we received a payment for the amount of $324.96. Please understand, when a customer agrees to settle an account balance, he/she agrees to pay an amount less than the balance owed in order to pay off the debt Please be assured that we have updated our records to reflect the account as paid in full for less than the full balance. Additionally, this information has been sent to the national credit-reporting agencies. Please allow days for them to update their records. In the meantime, please use this letter to confirm that the account has been settled, and no balance is due. We hope this information has been helpful. If you need assistance with your account, please do not hesitate to contact me directly at 1-800-675-5685, ext*** (TDD/TTY 1-888-819-1918)I will be happy to assist you Sincerely, Kristina W*** Consumer Relations Specialist

Dear Ms***:Thank you for your letter of response dated March 23, received via the Revdex.com and also received form you on march 30, Your letter indicated that you have no record of the call made on February 3, although I did speak to two persons: one who provided a verification number and the other person provided a confirmation numberAdditionally, the copy that I provided from Magazine Rewards Plus was a result of the call which refers to the same date of February 3, I did check my bank statement and the payment of $was not submitted which is another matter of concernMy concern is that your employee has my credit card information.Thank you for crediting my account for $However, I did call ###-###-#### referred to in your letter on Tuesday, March 28th at 9:AMthe voice recorded message was "Leave name and account numberSomeone will return call within two (2) business days"Since I did not receive a return call, I again called ###-###-#### this morning to pay off and close the accountI spoke with Dave at 11:AM who stated that the account balance due is $He read a disclaimer for receipt of payment of $and zeroing out the accountDave informed me that Customer Care would handle the closing of the account so he transferred me accordinglyAt 11:AM, I spoke with Cynthia informing her that I wanted to close the accountCynthia informed me that she is "sending a letter that as of today, the account is closed".Sincerely,*** ***

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the JD Williams credit cardWe are here to answer your questions and assist with your concerns. We understand the concerns as explained in your
correspondence, regarding the $return not being applied to your account, and the account being charged an additional feeYou are requesting a refund of $37.34, and to ensure the accurate reporting of the account to the credit reporting agencies. We received your dispute on June 3, 2017, in the amount of $for the mail order purchasePlease be assured our dispute resolution team is currently working to resolve your disputePlease also be aware, dispute investigations may take up to ninety days to completeUpon completion of our investigation, we will notify you of our findings by mailWe appreciate your patience while we conduct our investigation. Please be assured, while we investigate a customer dispute, we issue the account a temporary credit for the disputed amountOnce the dispute is resolved the temporary credit will be removed from the account. While we investigate whether or not there has been an error, we cannot try to collect the amount in question or report the account as delinquent on the amountPlease be assured, Comenity Capital Bank has not reported negative payment information to the national credit-reporting agencies, regarding this matter. 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. In the interest of customer service, a credit of $has been issued to the account, for the late fee and finance charge that were previously assessed; as the fees were applied to the account before the bank received your dispute. I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact customer care at the phone number on the back of your credit card or billing statement. Sincerely, Tionna M***

Dear Ms***:We have received your complaint, addressed to the Revdex.com, regarding the above-notedaccountComenity Bank issues Westgate Rewards Mastercard@ accounts and we respond to allaccount-related questjonsYour complaint was fowarded to my attention, and I appreciate
thisopportunity to assist you.Your complaint indicates that you were not aware you were signing for a credit card, and that youcancelled the timeshare within ten days, and also cancelled the credit cardAdditionally, you want tohave the amount of $2,removed from the account.Please note that Comenity Bank and Westgate Rewards are two separate entitiesThe Bank issues andis responsible for addressing questions related to your credit card accountWestgate Resorts isresponsible for handling matters related to sales, their contract, charges and refunds.Bank records indicate the Westgate Rewards account was opened on July 3, 2015, in the name of* ***We have closed the account as you requested.On your behalf we contacted Westgate Rewards regarding the charge of $2,Westgate Rewardsstated they had no record of you cancelling the timeshareHowever, we were advised to have you reachout to Westgate Rewards for assistancePlease reach out directly to Westgate Rewards to discuss therequest for a $2,creditYou may contact Westgate Rewards with the following information:***We hope that you find this information to be helpfulIf you have any additional questions about theaccount, please contact me at ###-###-####, ext *** (TDD/TTY ###-###-####)I would behappy to assist you.Sincerely,Rosa M*** *** ***

Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the HSN credit cardWe are here to answeryour questions and assist with your concerns.We understand from your correspondence that you spoke to the Bank regarding a
monthly chargeof $on your statements for or monthsYou state that you made a payment of $27.00which left a balance of $On the March statement indicated the balance of $dueto the charges of $19.99.We have reviewed the concerns in your correspondence as well as the applicable telephoneconversationsWe apologize if you felt you did not receive the best customer serviceWe neverintend to treat our customers in a less-than-satisfactory mannerWe are committed to providingthe best customer service and are disappointed when a customer feels this standard was not met.After a thorough investigation, our records indicate that on November 30, 2017, a purchase of$was applied to the account for the Emvizen 9” Portable Flex Payment of As indicatedmore payments of $will be charged the account until paid in full as agreed uponThesecharges of $are the remaining charges for the Emvizen 9” Portable productPlease beadvised that on March 28, 2017, would be the final payment of $for this merchandise.Additionally, these charges will show on your statements as a purchase stating of 5, of 5, of5, of 5, and of 5.Please note Comenity Capital Bank and HSN are two separate entitiesThe Bank issues and isresponsible for addressing questions related to your credit card accountHSN is responsible forhandling matters related to sales, merchandise processing, returns and shipping.If you have questions regarding the Flex Payment please contact HSN directly at ###-###-####,they will be happy to assist you.As of the date of this letter, the balance on your account is $with a minimum payment of$due on April 5, 2017, and the Bank finds this balance to be valid.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Renee S*Compliance Dept

Dear *** ***We received your additional correspondence, sent to the Revdex.com, regarding a"hit1' made to your credit report regarding a new Orbitz accountCornenity Capital Bank issuesOrbitz Rewards Visa@ credit cards and we are here to answer your questions and assist with yourconcerns.In your compliant you state that the reason you are rejecting my previous responses is due to thefact that you are showing a "hit" on your credit reportYou are requesting that we further researchyour concern and correct it.A review of the information you included with your previous complaint does not indicate that acredit inquiry, or "hit" was made; rather, it advises you of a new account that is reporting in yournameWe believe this notification from your credit monitoring service is simply advising you thatan Orbitz Rewards Visa@ account is now reporting on your credit report.Please understand that we are required to reflect the participation of both spouses on an accountif the accountholder's spouse is permitted to use the accountAs an authorized user of the OrbitzRewards Visa@ account, we are required to report the Orbitz Rewards Visa@ account to yourcredit fileYour credit report will show you are an authorized user on the account and notcontractually liable for the balance dueIf you no longer wish to have this account report on yourcredit bureau report, please contact us to be removed as an authorized user from this account.You may reach our Customer Service team at ###-###-####.Should you have any additional questions or concerns, please do not hesitate to contact medirectly at ###-###-####, ext*** (TDDTTTY ###-###-####)would be happy ta assistyou.Sincerely, Rosa M***

Dear *** *** Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues David’s Bridal credit cards. We are here to answer your questions and assist with your concerns We understand
from your complaint that you received a call from regarding your David’s Bridal account and the representative asked when you could make a payment and if you wanted to use the bank account we had on file. When you advised that you would not authorize any payments to be taken out of your account, our associate repeatedly asked when could you make a payment, you requested to speak with a manager several timesYou are requesting that your account have no impact on your credit report We understand that you were dissatisfied with the service you received while speaking with our associateIt 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 Please be assured that we have reviewed our records, and we have not reported any derogatory information regarding the David’s Bridal 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, Ashley H***

Dear Ms***We received your additional complaint, addressed to the Revdex.com, regarding theabove-noted accountComenity Capital Bank issues Orbitz Rewards@ Visa@ credit cardaccounts, and we respond to all account-related questionsYour complaint was forwarded to myattention, and I appreciate this opportunity to assist you.Our records indicate that the situation referenced in your complaint has been investigated and aresponse has been previously issued by the Bank on July 19, 2016, explaining our findings.Comenity Capital Bank's position remains unchangedWe have enclosed a copy of our previousresponse for your records.Should you have any further questions, please contact me at ###-###-####, ext***(TDDTTTY ###-###-####) I will be happy to assist you.Rosa M***

Dear *** ***We have received your correspondence sent to the Revdex.com (Revdex.com)regarding PayPal Credit, which was forwarded to Comenity Capital BankThe PayPalCredit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later,IncPayPal Credit is a payment
option made available by many merchants to theircustomers.Your correspondence states on August 9, 2015, a hard inquiry appeared on your creditreport from CCB/PPCYou state this action was not authorized, and that you previouslyrequested the inquiry be removed from your credit reportYou indicate you were advisedthat fraudulent activity was linked to the application submitted in your nameYou stateyou were also advised that PayPal Credit sent a request to Equifax to have the inquiryremoved; however, the inquiry has not been removed from your credit reportYou arerequesting to have the inquiry removed.PayPal Credit's records reflect a PayPal Credit account was requested on August 9,The attempted application was declined, and a letter dated August 19, 5, wassent to you noting, "[ylour information was incomplete or inaccurate or the circumstancesmay have suggested that the purchase was not made by you.PayPal Credit's records reflect that in September of 5, you reached out to us via socialmedia regarding an invalid credit inquiryThe matter was researched, and it wasdiscovered that fraudulent activity was linked to the attempted applicationA letter wassent to you stating that PayPal Credit requested to have the inquiry removed.In October of 2015, you reached out to PayPal Credit regarding the same invalid creditinquiryYou stated the inquiry was still on your credit reportPlease be advised a requestwas sent to Equifax to have the inquiry removed from your credit reportOn October 5,2015, a letter was sent to you advising that PayPal Credit contacted Equifax regardingthe invalid credit inquiryEquifax advised PayPal Credit there was not a credit inquiryfound in connection with the date you provided in their recordsThis letter also providedyou with information if you wished to contact Equifax directly regarding the matter.As an extended courtesy, on September 7, 2016, PayPal Credit sent another request toEquifax Credit lnformation Services to have the credit inquiry removed from your creditreportPlease note, Equifax will send a response within sixty daysShould you have anyadditional concerns regarding the credit inquiry, we suggest you contact the reportingagency for further assistance.Equifax Credit lnformation Services, Inc.** *** ***
*** ** ***
*** ***We hope this letter explains and resolves this matter.Compliance Customer Responses

I, repeatedly, have been told the paper statement would be mailedI was told that a paper statement was sent on April As of yesterday's mail (May 11) I have not received that statement, which is business daysI have tried to explain to the collectors that call that my husband pays the bills just as he does with my other Comenity account UPON RECEIPT via check
Regards, *** ***

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Blair credit cardWe are here to answer your questions and assist with your concerns You state you paid your balance in full; however, as your payment was
received one day after your due date, you were charged a late feeYou further state, you moved and you did not realize a late fee was assessedWhen you spoke with the Bank and requested to have the late fee removed, your request was rejected, and you were charged an additional late feeWhen you contacted the Bank again, and requested to have the late fee removed and your due date changed, you were told that you could not change the due date until the balance was paidYou are requesting to have the fees removedYou are also requesting to have any negative information reported to the credit bureaus, regarding the above-referenced account, reversedWe sincerely apologize for any frustration or inconvenience this matter may have caused you. 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, a late fee and a finance charge may be assessed to the account, as explained in the Credit Card Agreement 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 are committed to providing the best customer service and are disappointed when a customer feels this standard was not met In the interest of customer service, we issued credits of $to remove the previously assessed late fees and finance chargesThese credits posted to the account on May 3, 2017, and resulted in a zero balance Please be assured, no negative payment information was reported to the national credit-reporting agencies, as a result of this matter. On May 2, 2017, the above-referenced account was closed, per your requestAlthough you have closed your account, we hope you will continue to shop with Blair I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####