Comenity Capital Bank

Comenity Capital Bank received the complaint for ***.In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 06/23/2017.Let me know if you have any questions, and please provide the new due date.Thank you,

Dear *** *** Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the HSN credit card. We are here to answer your questions and assist with your concerns. We understand your concerns as
explained in your correspondence. You state you reported your card lost and wanted a new account number; as you lost your wallet. You were assured a new card would be issued. However, you received notification that the account was closed by the bank; you were advised the account was closed, due to the account being past due at the time the card was reported lost and would have to reapply. You requested no negative information be reported to your credit report. We would like to extend a sincere apology for the frustration and inconvenience you experiencedYour opinion of our service is important to us, and we appreciate the time you spent in notifying us of your concerns Please note, Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. Based upon your correspondence, the Bank has reviewed the applicable phone conversations. Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed. Our records indicate a statement was issued on October 23, 2016, indicating a balance of $1,with a payment of $70.00, due by November 18, 2016. As no payment was received by the due date, a late fee and finance charge were assessed, pursuant to the terms and conditions of the Credit Card Agreement, and the account was listed as one billing cycle past due Please understand, if an account is not in good standing and is reported lost/stolen, no card can be issued. On December 3, 2016, we received your request for a replacement credit card. Unfortunately, we were unable to issue you a replacement credit card, due to the past due status of your account; therefore the account was closed by the bank. On December 16, 2016, a payment of $was applied to your account which brought the account to a current status Please be assured that Comenity Capital Bank has not reported negative payment information to the national credit-reporting agencies, regarding the November payment. As the Bank is not a licensed credit-reporting agency, we have no control over how the credit bureaus report the information that is provided. If you have any questions regarding your credit report, please contact the credit bureaus, using the information below. 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***

Dear *** ** *** Thank you for contacting Comenity Capital Bank regarding the above-referenced account. As the bank that previously issued TigerDirect 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 TigerDirect credit card program had ended. Additionally, you were advised of the promotional balances that were moved to a revolving plan. You also state that you do not understand if the account is closed, how charges are still being assessed to a closed account. You are requesting that the Bank stop charging you interest on a closed account. I am happy to share my findings with you. A purchase of $1,was charged to the account on November 23, 2014, and was placed on a 6-month deferred interest, payment required, promotional plan, scheduled to end on May 26, Our records indicate that a purchase of $was charged to the account on February 23, 2015, and was placed on a 6-month deferred interest, payment required, promotional plan, scheduled to end on August 26, 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 provide 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 June 22, 2015, as the purchase of $1,was not paid in full by the plan expiration date, the remaining promotional balance totaling $and was placed into the revolving balance, and the accrued finance charges totaling $were assessed to the account. When the account billed on September 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. Please be advised that if there is a revolving balance on the account, the account will assess finance charges even if the account is closed, in accordance with the Credit Card Agreement, (CCA). Enclosed are copies of the CCA and statements for your recordsAs of the date of this letter, the account balance is $1,010.07. The Bank considers this balance to be validWe 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 youSincerely, Renee S*** *** *** ***

Dear *** ***: Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Zales credit card accountsWe are here to answer your questions and assist with your concerns. Your correspondence indicates
your concern about the finance charges that were assessed to your account in connection to the purchase you made on a deferred-interest promotional planWhen contacting the Bank about this you were provided the option to pay in full the remaining purchase price and to receive 25% off the accrued finance charge, which would be $We further understand that you are requesting to have the accrued finance charges removed. We have reviewed the concerns noted in your correspondence and we would like to provide you with the following information. The July 3, 2015, purchase for $5,was placed on a Deferred Interest, Payment Required promotional plan with an expiration date of February 7, Under the terms of this promotional plan, interest on the purchase is deferred until the plan expiresThis means that interest on this purchase was accruing monthly, from the original purchase date, but was not being applied to your accountIn order to keep the accrued finance charges from being applied to your account, the entire promotional purchase amount needed to be paid in full by the promotional plan’s expiration dateThis promotional purchase was not paid in full by the expiration date mentioned above; therefore, the accrued interest was applied to your accountThe details of your promotional plan, as well as the expiration date, were present on each billing statement. Please be advised that the 25% offer was a one-time offer at the time of the call, and is no longer valid. While we understand your concern, after our review of your account, we have determined the balance is accurate and no adjustments are neededIf you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Diamond L

Again, I've called in numerous times and they will more than likely deny receiving any calls as they conveniently have no record of themThis is no surprise as I'm sure they do not document each and every call receivedHowever, the reps spoken with cannot or will not lower monthly payment due as the account is past due, they only want some arrangement which does not lower the actual payment amount They also have a complaint filed with the CFPB (Consumer Financial Protection Bureau) most recently about this, its a shame they are not more cooperative The payment arrangement they are seeking merely splits up the monthly payment amount, does not actually lower itPlease advise them I can afford a month if they can adjust the account to reflect this amount dueI believe this is reasonable

[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:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meThank you! I appreciate the timely response
Regards,
*** ***

First of all the screenshot from the Comenity website I attached plainly shows all dates being before the 10th of each monthIf this is an error on the website then the error needs to be corrected.Second, I bumped back the dates for the payments to be made from the bank so I could be sure that Comenity would not charge me any late fee'sBut now the problem is that they changed (increased) the minimum payment without telling me so when my last 'On-Time' payment went through I was charged another late fee because the minimum amount I needed to pay went up without them telling meThe situation seems to be getting worse and I'm not really sure which way to turn?
Regards, *** ***

I *** * *** is faxing you proof of returning the wig and comb, cap back to*** *** *** ***My dispute IdIs *** ***My claimnumber is ***.Also I am faxing you the email I receive from Paypal, stating the case was found infavor of the merchant because they said I (*** ** *** did not give themvalid proof or tracking that l return the merchandise, which I did.So I am faxing Revdex.com what I fax themDispute ID: *** *** Claim ID:***.Your truly,*** ** ***

I have already done what they asked and provided the information they requestedThey continue to say same thingAgain they need to get their money from American Laser

Dear *** ***We received the additional correspondence you sent to the Revdex.com of CentralOhio (Revdex.com) regarding your Jewelry Television Preferred accountsYour correspondence wasforwarded to Comenity Capital BankJewelry Television Preferred (JTV Preferred) is a productissued by Comenity Capital Bank (Bank), serviced by Bill Me Later, Inc., and powered by PayPalCreditJTV Preferred is a payment option made available by Jewelry Television (JTV) to theircustomers.We reviewed your recent correspondence and would like to provide you with the followinginformationOn June 8, 2016, the Bank received the correspondence you filed with the Revdex.comreporting your JTV Preferred account as fraudulentPer your request, JTV Preferred referred youraccount for review where it was subsequently investigated and confirmed to be fraudulentAs aresult, your account was closed and J N Preferred sent a request to Equifax Credit InformationServices to have the credit inquiry removed from your credit reportYou were informed of theoutcome of the investigation in both the Bank's response to you dated June 22, 2016, as well asJTV Preferred's responses to you dated June 11, 2016, and June 13, 2016.For your reference, enclosed is a copy of your September 8, 2016, billing statement reflecting azero balance on the accountPlease note that you are not responsible for the account or therelated charges.We hope this letter explains and resolves this matter.Sincerely,Jessica A***

Dear *** *** Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issue the DentalFirst Financing credit card. We are here to answer your questions and assist with your concerns We
understand your concerns as explained in your correspondence. You state you signed up for a DentalFirst account and were charged for a service that was not provided. You spoke with someone several times at the Bank and faxed a letter; as the charge should have been credited. In addition, you state that the bank continues to call you and threatens legal action. You are requesting the account to be credited, your credit report corrected, and for the bank to stop contacting you Please be advised, when the Bank’s records show an account as delinquent, the Bank will make attempts to contact you 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 will utilize a Dialer System to place outbound calls to a customer until our attempt to communicate is successful Per your request, a "cease and desist" status has been placed on your account(s)This cease and desist request will stop all future collection calls, but it will also suspend authorizations for new purchases on your account(s) since we will be unable to contact you. Your will continue to receive certain legal communications as permitted by lawYour request to cease and desist contact on your account(s) may be changed at any time by contacting us again in writing at the below address: Comenity Capital Bank P.OBox Columbus, OH 43218- This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance Please be advised that Comenity Capital Bank and DentalFirst Financing are separate entities.The Bank is responsible for addressing questions related to the DentalFirst Financing credit card account, while DentalFirst Financing is responsible for addressing concerns regarding treatments, charges, and refunds Our records indicate that the DentalFirst Financing account was opened on March 25, Use of the account, or failure to close the account within days of receiving the Credit Card Agreement indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees. On the same day the account was opened, a purchase of $was applied to the account As no payments were received late fees and finance charges were assessed to the account, resulting in an outstanding balance. Should the account exceed six consecutive billing periods past due, as required by federal regulations, the account will be permanently closed, written-off, and reported to the national credit-reporting agencies as an unpaid debt. Please be advised that when the Bank received your initial dispute, we reached out to DentalFirst Financing and they issued two credits to your account, of $on June 14, 2016, and $on August 25, 2016. In addition, they stated you are responsible for the difference of $for services provided to you. Should you wish to further dispute this balance, please contact the service provider directly. Comenity Capital Bank is required by law to report factual data to the credit bureaus with regard to account activity. At this time, Comenity Capital Bank finds no billing errors on your account and the account balance to be valid 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***

Dear Mr***: Thank you for contacting Comenity Capital Bank. As the bank that issues GameStop PowerUp Rewards™ credit card accounts, we respond to all account-related concerns. Your complaint, addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to assist you. We understand from your complaint that you are in receipt of correspondence from Comenity Capital Bank, stating that a payment was returned by your personal bank and will be added to back the account balance. You state that you have never opened the above-noted account, and that you have no returned items to your personal bank account. To ensure this account never appears on your credit file, you are requesting that the Bank close the GameStop PowerUp Rewards™ account and remove your name from the account and/or financial history. We understand your concerns, and we sincerely apologize for any frustration you may have experienced. After a thorough investigation, Bank records indicate that the GameStop PowerUp Rewards™ account was opened on August 7, 2015. The last purchase of $was made on August 8, 2015, and the last payment of $was scheduled to be processed on August 10, 2015. Comenity Capital Bank attempted to process this payment from the checking account entered on the Bank’s Account Center website on August 10, 2015. Unfortunately, the payment was returned due to no bank account found, on August 17, 2015, and the $payment was added back to the balance. Bank records further indicate that the above-noted account was temporarily suspended on August 11, 2015, due to potential security concerns; and at that time, correspondence was also mailed to the address listed at the top of this letter explaining that an investigation was underway. Enclosed, please find a copy of this letter for your review. Comenity Capital Bank vigorously pursues any individual who is suspected of perpetration of a fraud. This may include contact with various local, state, and federal law enforcement agencies. For your convenience, we have enclosed a copy of an Identity Theft Victim’s Complaint and Affidavit from the Federal Trade Commission. If you would like to make a claim of fraud, please complete the affidavit in blue or black ink and return it to our Account Protection team at the following address Comenity Capital Bank Account Protection Team PO Box Columbus, OH 43218-2686 A fraud investigation will begin once the affidavit is returned and processed. If we do not receive the completed document, we will assume that you do not wish to pursue this fraud claim and that you are accepting full responsibility for the account and the incurred debt Please be advised, once a fraud investigation has been opened, a letter will be sent to the address listed at the top of this letter with the case number. Investigations may take 60-days to be completed, at which time written notification will be sent. We hope this information is helpful. Should you have any further questions or concerns, please contact our Account Protection (Fraud) team at ###-###-#### (TDD/TTY ###-###-####). They would be happy to assist you. Sincerely, Lauren S*** *** *** ***

Comenity Capital Bank (Bank) has received your correspondence regarding the above referencedaccountComenity Capital Bank issues the Gardner-White Furniture credit cardWeare here to answer your questions and assist with your concerns.We previously received and responded to your correspondence
regarding this same matter.Please find enclosed copies of our responses sent to you on April 26, 2016, August 8, 2016,September 23, 2016, and February 6, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####

This letter was sent to Comenity Bank and Lane Bryant

We received your complaint, addressed to the Revdex.com, regarding the account referencedaboveAs the bank that issues Ideal Image credit accounts, Comenity Capital Bank is here to help withyour account-related concernsI appreciate the opportunity to assist you.We understand from your
compliant that your account has been charged numerous late fees and financechargesYou state that when you send in your payment it is withdrawn before the due date, but the Bankclaims that the payments are lateYou are requesting to have the late fees and finance charges creditedto your accountWe apologize for the frustration you may have experienced as a result of this situation.After a thorough review, our records indicate the payment due date on your Ideal Image account is the 7thof every monthThe payments made on your account were sent from your personal bank to be applied tothe Ideal Image accountAlthough these payments are deducted automatically from your personal account,they can take 3-business days to post to your account as they are transfers from one banking institutionto another.Please keep in mind, when payments are not received, are received after the due date, or are made forless than the minimum required, the account will be assessed a late fee and finance charge, as explainedin the Credit Card AgreementWhen a late fee is assessed to the account it is added to the revolving lineof credit which is subject to the regular APR rateThe finance charges were added monthly according tothe balance of the revolving lineFurthermore, payments are posted to the account when they are received.We value you as a customer, and we are happy to offer options to ensure your payments can be receivedon timeYou have the ability to schedule payments online via our Account Center website, or we can takeyour same-day payment over the telephone for a small processing fee.Although there are no Bank errors, in the interest of customer service, we issued credits totaling $onMarch 29, 2016, for the previously assessed late feesAs of the date of this letter, your account balanceis $The Bank is unwilling to credit any further late fees or finance charges.We hope you find this information to be helpfulShould you have any further questions, please contact medirectly at 1-800-675-5685, ext*** (TDD/TTY 1-888-819-1918)I will be happy to assist you.Sincerely,Diamond L***Consumer Relations SpecialistCC: Revdex.com

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

Comenity Bank has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the LANE BRYANT credit card. We are here to
answer your questions and assist with your concernsWe understand from your correspondence that
you spoke to a Bank
representative in September regarding settling this
account. You state that you were advised
if you made a payment of $the late fee would be removed and the account
balance would be zero. You also, state
that you have a balance on the account and the balance is all fees. You are requesting that the fees be removed
as you were advised they would be during your call with a Bank
representative. I am happy to share my
findings.Please be assured that as of the date of this
letter, credits totaling $have been applied to the account to bring your
account balance to zero.I hope you have found this information to be
helpfulIf you have any questions or concerns, please feel free to contact me
at ###-###-####

Dear Mr***:We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Capital Bank issues My BJ's Perks Mastercard@, accounts, andwe are here to assist you with all account-related questionsI appreciate the opportunity torespond to
your concerns.We understand from your complaint that you have not received a credit card with a validexpiration dateYou state that you were advised you would receive a working credit card byOctober 23, You also state that you have missed out on earning awards due to not beingable to utilize your credit card.We have reviewed your account and are happy to explain our findings.Bank records indicate that you originally called about your credit card on October 2, Perour records we did advise you that a credit card was mailed to you on September 22, 5, withthe correct expiration date, and the credit card should arrive within seven to ten business days.You called us on October 16, 2015, in regard to your credit card not arrivingAt this time we didissue another credit card that was to arrive in seven to ten business days.To resolve this matter, and get a working credit card to you, I have requested a credit card beexpedited to you within a hour time frame.In the interest of customer service, a credit in the amount of $has been issued to yourawaSidsfdOffset the delay of the credit card arrhing to you.Should you have any further questions, please contact me at ###-###-####, ext***(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Kristina W*** *** *** ***

Dear *** ***We received your complaint, submitted to the Revdex.com, regarding the above-referencedaccountComenity Capital Bank issues 0verstock.cum credit card accounts, and we are here to helpanswer account-related questionsI appreciate this opportunity to address your
concerns.We understand from your complaint that there have been several issues when making payments to theaccountYour payment made in August for your September payment resulted in a late fee beingassessed to the accountAdditionally, the account reported to your wife's credit report although she isnot a joint account holderAt this time you request the most recent late fee be removed because theprevious late fee removal was due to a Bank errorWe apologize for any frustration this matter hascaused you.Please keep in mind that when payments are not received, are received after the due date, or are madefor less than the minimum required, the account will be assessed a late fee, as explained in the CreditCard AgreementWhen a payment is received after the due date, but before the close of the billing cycle,it will be applied to the current billing cycleBank records indicate the payment received on August 2,2015, for $was applied to your August billing cycle, as your payments are due by the 4th of eachmonthIf you intend to make payments early, for the following billing cycle, please make payments afterthe 9th of each month, as this is when your billing cycle ends.To provide the best customer service possible, please note the following ways in which payments can bemade.Online: Online payments submitted before 6:p.mEastern Time (ET) can be credited to youraccount the same dayOnline payments submitted after 6:p.mET will be credited thefallowing day (or on your future scheduled payment date)This disclosure is provided to acustomer prior to canfirming the paymentPlease note that it may take up to two business daysto complete the financial transfer from your personal bank account to your 0verstock.comaccount.Mail: Send your payment and payment coupon in the envelope that came with your billingstatementWe recommend allowing a week for the payment to arriveIf you are a paperlesscustomer, print out a payment stub on the online account management site so your payment isprocessed as quickly as possible.Phone: If you need to make an expedited and convenient payment, you may call us at the phonenumber on the back of your billing statement to speak to a Customer Care representativeAprocessing fee of $applies to same-day payments made with the representativePlease beadvised this option provides our customers assurance that a payment has been received on theaccountAdditionally, the processing fee is minimal compared to a possible late fee, and isadded to the total balance.Additionally, we are required to reflect the participation of both spouses on an account if theaccountholder's spouse is permitted to use the accountSince your wife was an authorized user of theOverstock.com account, we are required to report the 0verstock.com account to your wife's credit file.The credit report will show her as an authorized user on the account and not contractually liable for thebalance duePer your online request, the authorized buyer was removed and the account will no longerreport to her credit file.Although the Bank finds no error, in the interest of customer setvice, we have issued a credit of $forthe late fee assessed for the September billing cyclePlease be advised we are unwilling to removeany additional late fees regarding this matter.We hope this information is helpfulShould you have any other questions or concerns regarding thisletter, please feel free to contact me directly at ###-###-####, ext(TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,KaiM*** *** ***

Dear *** *** We have received your correspondence sent to the Revdex.com (Revdex.com) regarding PayPal Credit, which was forwarded to Comenity Capital BankThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, Inc. Your correspondence states you called PayPal Credit requesting to stop a double payment from being processedYou indicate you were told by a representative that you could attempt to get your money back after the payment is processedYou advised that you did not authorize this payment, and your requests to speak with a supervisor were deniedYou also state your account was prematurely sent to collections, as it was less than thirty days past due, and the system previously rejected several payments for no reasonYou are requesting to have your second January 15, 2017, payment refunded to your bank account. After a review of your account, PayPal Credit would like to provide you with the following informationOn January 15, 2017, you made two online, same-day payments through PayPalWhen making an online same-day payment through PayPal, customers are notified the payment cannot be changed or modified once submittedAfter making these payments, you called PayPal Credit requesting the second payment be cancelledYou were advised PayPal Credit is unable to cancel same-day payments; however, you could either contact your bank to request to have your payment cancelled or call PayPal Credit after the payment was fully processed to request a reimbursement of your second paymentUpon receipt of your correspondence, PayPal Credit reviewed both calls and confirmed that due to agent error, neither of your calls were transferred to a supervisor. PayPal Credit apologizes for the inconvenience this may have caused you. On January 18, 2017, PayPal Credit received notice from your bank that your second payment could not be processed because you advised your bank the payment was unauthorizedAs a result, PayPal Credit rejected the payment and $was added back to your PayPal Credit account balancePayPal Credit’s records do not reflect any other instance where a payment was rejected for your account. Customer feedback is extremely important to PayPal Credit and we are sorry to hear you had a less-than-satisfactory experience with usYour concerns have been forwarded to our Leadership Team to help ensure we meet your satisfaction in the futureAlthough this experience did not meet your expectations, we hope it will not discourage you from using PayPal Credit in the future. As of January 31, 2017, your account is open with a balance of $3,and a minimum payment requirement of $is due by February 24, 2017. We hope this letter explains and resolves this matter. Sincerely, Jennifer P***