Comenity Capital Bank

Dear *** ***: We have received the complaint regarding the above-noted accountComenity Capital Bank issued Ideal Image VIP credit accounts, and we respond to all account-related inquiriesYour complaint addressed to the Revdex.com, was forwarded to my attention, and I
appreciate the opportunity to assist you. I understand your concerns regarding the finance charge that was assessed to your account. Our records indicate on November 21, 2012, a purchase of $1,posted to your accountThis purchase was placed on an 18-month Deferred Interest, Payment Required Plan, which was scheduled to expire on May 25, In addition, on November 23, 2013, a purchase of $1,posted to your accountThis purchase was placed on an 18-month deferred interest payment required plan, scheduled to expire on June 2, For purchases on this plan, interest is accrued (calculated, but not added to the balance)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, are added to the deferred balance, and this balance is moved to the revolving balanceThis information appeared on your monthly billing statements, under the heading, “Details of your plans”I have enclosed your billing statements for your review. Our records further indicate that on May 12, 2014, a statement was issued to you showing a balance of $1,988.00, with a minimum payment of $due by June 7, Please be advised that under the “details of your plan” section of MsLambert’s statement, it states that the balance of $needed to be paid in full by May 25, 2014, to avoid paying the accrued interestAs a result of the deferred balance not being paid in full by May 25, 2014, the total accrued interest of $was assessed to your account. In addition, on May 12, 2015, a statement was issued to you showing a balance of $1,297.92, with a minimum payment of $due by June 7, Please be advised that under the “details of your plan” section of your statement, it states that the balance of $1,needed to be paid in full by June 2, 2015, to avoid paying the accrued interestAs a result of the deferred balance not being paid in full by June 2, 2015, the total accrued interest of $was assessed to your account. As of today’s date, the balance on your account is $1,Comenity Capital Bank has not found any errors, and we are unwilling to remove any of the finance charges that were assessed to your Ideal Image VIP credit card account, as they are valid charges. We apologize for any confusion or frustration that this situation may have caused you, and we hope that this information is helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext***, (TDD/TTY ###-###-####)I would be happy to assist you. Sincerely, Jenny W*** *** *** ***

Dear Ms*** We received the complaint you sent to the Revdex.com (Revdex.com) regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThe PayPal Credit product is issued by Comenity Capital Bank (Bank) and serviced by Bill Me Later, Inc
PayPal Credit is a payment option made available by many merchants to their customers. It is PayPal Credit’s understanding that your complaint is regarding the closing of your PayPal credit cardYou state you were informed that your account would be closed due to a missed payment and that PayPal had the right to close your account at any time and also that the account could not be reopenedYou state you have been making payments monthly, but that you have been charged fees monthly as wellYou state you were not informed that you would be charged fees if you did not pay the account in full and you are requesting for all fees charged to the account be waived. Based on the information provided in your complaint/correspondence, PayPal Credit is unable to locate an application or account in your nameIn order to further research your request, PayPal Credit needs additional information, such as an account number, your address, the last four digits of your social security number, your date of birth, and/or a copy of a statement sent to you by PayPal CreditYou may fax this documentation to ###-###-#### or mail it to the following address: PayPal Credit Attn: Executive Escalations P.OBox 5018 Timonium, MD 21094 Further, if your concerns are related to a different PayPal product, please contact PayPal directly at ###-###-####. We hope this letter explains and resolves this matter. Sincerely, Patricia L***

I am not satisfied and are upset and unhappy about the ring and the customer serviceWith all this problem going on for months, I am tired of dealing with this and do not want to continue paying my money to someone who not only messed up my ring but gave bad servicesI will give back the ring if I have toI just dont want anything to do with them and do not want to give them any of my moneyI should not continue to pay for something and force myself to use my money toward something I am very unsatisfy withI did not make a mistake and it was the company fault to start off with so why should I continue to be their customer and give them my moneyThey damaged my ring and expect me to be ok with it? NoNothing will change my mind and nothing will replace itPlease take this into considerationThank you

Dear *** *** We received the correspondence you sent to the Revdex.com regarding PayPal CreditThe PayPal Credit product is issued by Comenity Capital Bank and serviced by Bill Me Later, IncPayPal Credit is a payment option made available by many merchants to their
customers. We previously received and responded to your correspondence submitted to the Consumer Financial Protection Bureau (CFPB) regarding this matterPlease find the enclosed copy of our response sent to you on April 13, 2017. We hope this letter explains and resolves this matter. Sincerely, Jessica A***

Per instructions on your web site, I am filing additional information regarding my complaint against Comenity Bank My complaint was closed before I received additional information from Aspen Dental, the company that initiated contract with Comentty Bank/ DentalFirst I expect this information to be added to my complaint, and additional action taken by your agency.Please consider the following:The letter I received from KaiM*** with Comenity Bank dated May 1, 2017, contains factual errors. As to the finance charge Comenity is charging my account, Ms***l states: “…when a late fee is assessed and there is a promotional plan, the late fee creates a revolving balance Due to late fees not being paid, $in finance charges were assessed on the revolving balance.” This means Comenity is charging customers interest on late fees, contested or not If the finance charge Ms***l states in her letter is true, that would total $for the months in question Considering the $credit to my account on April 4, 2016, for finance charges, Ms***l does not explain what the additional $in interest and fees are for that have been charged to my account Further, concerning her statement about late fees, I pay a greater amount each month than is required (on average $compared to the $minimum payment) In reviewing all mail and emails from Comenity Bank, they have never notified me about paying late fees, nor what the process is for paying such fees above and beyond my monthly payment Nor have they conveyed the penalty I might face for not paying such fees The page on DentalFirst’s website dedicated to paying monthly bills contains no provision for paying late fees, just monthly loan payments. On another page titled is the following statement regarding paying bills: “Making Deferred-Interest Plan PaymentsWhen you make a payment on your credit card account, your payment is applied to your total account balance, including your revolving account balance, deferred-interest promotional plan, and any other plans associated with your accountThe amount applied to your revolving account and deferred-interest plan is based on your plan balance(s)When a deferred-interest plan is nearing its expiration date, and you pay more than the required minimum payment due, the additional amount is applied to the soon-to-be-expired plan Note: To avoid paying total accrued interest charges, you must pay the balance of your deferred-interest plan(s) in full by each plan's expiration date.” Again, no mention of paying late fees is mentioned Therefore, saying I did not pay late fees resulting in the “revolving balance” is a statement. My complaint with Aspen Dental is the business manager did not provide me copies of the loan I signed on January 18, Repeated attempts to get copies of these documents have been ignored In a previous document he provided me on December 21, 2015, I find no provision for this revolving balance on promotional plans anywhere in that loan document Like it or not, the Aspen Dental business manager served as DentalFirst’s representative when I entered into the agreement To get an appointment for dental services, however, I had to sign a loan document that the manager said he would hold until January 18th I left with the explicit understanding I could make changes to financial arrangements without penalty on January 18th, and my financial obligation to DentalFirst would not start until that date. Contrary to this pledge, the manager submitted loan documents to DentalFirst on December 21, 2015, for a plan I did not approve On January 18th, I agreed to a deferred-interest promotional plan Nowhere in Ms***l’s letter does she mention discussing my complaint with Brandon or Aspen Dental, nor does she explain why it took more than two months make corrections to my account. I still have the impression that Comenity Bank is looking for means by which to profit from their deferred-interest promotional plans by charging customers hidden fees and penalties It is unconscionable to take advantage of senior citizens in this way. I further gather from Ms***l’s letter that she is limited only to stating company policy, and has no authority--or desire--to mitigate this matter To resolve my complaint, I still insist upon a credit of $in unexplained penalties and finance charges, and $in late fees. Sincerely, *** ***

Dear *** *** Comenity Bank (Bank) has received your correspondence regarding the above-noted account(s). Comenity Bank issues the Old Pueblo Traders credit cardWe are here to answer your questions and assist with your concerns We understand from the
complaint that you made purchases from Old Pueblo Traders and you were informed of having two separate charge accounts. You state you returned items and they were received and you believed the matter was resolved. You then were advised that you owed $409.70; however, you received a statement with a credit balance of $and received a check for that amount. You are requesting to have this matter be resolved. We apologize for the inconvenience this matter may have caused you Bank records indicate that Old Pueblo Traders account ending in *** was opened on July 5, 2016; however, a second Old Pueblo Traders account ending in *** was opened on August 29, 2016, and on September 1, 2016, a purchase for $was applied to that account. On September 10, 2016, another purchase of $was added to the account, and a billing statement for $was issued on September 25, 2016. As no payment was received by the due date, a late fee and finance charge was assessed to the account in accordance with the Credit Card Agreement On October 18, 2016, a return credit of $was applied to the account ending in ***, leaving a balance owed of $182.92. On October 31, 2016, a balance transfer was completed, in an effort to move the balance of $to the existing Old Pueblo Traders account ending in ***. However, the balance transfer was done incorrectly and caused the balance on the Old Pueblo Traders account ending in *** to double and caused a credit balance refund to be sent on the Old Pueblo Traders account ending in ***, in error To correct this error, we have removed all of the previously assessed late fees and finance charges from the account ending in ***, and processed a balance transfer to create a zero balance on the account. Please be assured, that your account ending in *** has been closed. In addition, notification was sent to the national credit-reporting agencies with instructions to delete the negative payment information reported, regarding the Old Pueblo Traders account ending in ***. Please allow the credit-reporting agencies days to update their records The current balance on your Old Pueblo Traders account ending in *** is $ 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***

Revdex.com:
I reviewed the response made by the business in reference to complaint ID 11455499, and find the resolution is satisfactory to meI was told from dispute department only to pay $on the account and send all the clothes and I will not have get any charges because I was sending all the clothes back plus they told me they will cover shipping chargesAnd now I'm stuck with over one hundred dollars of charges with shipping costs and I don't even have any clothesThey lied to me about everything and it's just not fair I should be paying for what I don't have

Comenity Capital Bank has received your complaint regarding the above-referenced accountComenity Capital Bank issues the HSN credit card accountWe are here to answer your questions and assist with your concerns.Your correspondence states you used your HSN account in December to make
purchases, which were placed on the FlexPay optionYou further state you have always made on time payments; however, your credit limit was decreased by $without any notificationAs a result of your credit limit being decreased, HSN was unable to charge your account for the FlexPay paymentsTherefore, those amounts were placed in collectionsAdditionally, you are being charged for items that you have returned and your credit has been negatively affected as a result of thisYou are requesting that the Bank reinstate your credit limit and remove the negative information from your credit reportWe understand your concerns, and apologize for any inconvenience or frustration this matter may have caused you.Please note Comenity Capital Bank and HSN are two separate entitiesThe Bank issues the HSN credit card accounts and is responsible for addressing questions related to your credit card accountHSN is responsible for handling matters related to sales, merchandise processing, returns and shippingPlease contact HSN directly at ###-###-#### regarding credits for your returned merchandise.After reviewing your account, our records indicate that on November 14, 2016, a statement was issued to you showing a balance of $with a minimum payment of $due by December 10, The Bank did not receive a payment and as a result, your credit limit was decreasedYour credit limit and available credit are listed on each monthly billing statement.Please be aware that when an account does not have enough available credit to authorize a FlexPay charge, HSN will contact you to request another form of paymentIf you are unable to provide an alternate payment, HSN will place the remaining FlexPay balance in collections.Bank records further indicate a statement was issued to you on June 14, 2017, showing a balance of $1,with a minimum payment of $due by July 10, The Bank did not receive a payment; therefore, your account became one billing period past due.On July 15, 2017, a statement was issued to you showing a balance of $1,with a minimum payment of $due by August 10, The Bank did not receive a payment; therefore, your account became two billing periods past due and was reported as days delinquent.Please be advised that when an account becomes two or more billing periods past due, the Bank will report the account as delinquent to the national credit-reporting agencies.The Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agencies.We have verified we are reporting the account correctly to the credit reporting agenciesWe are required by law to report factual informationTherefore, this information will not be changed or removed from your credit bureau report.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
*** *** * *** ***
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Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues Haband credit cards. We are here to answer your questions and assist with your concerns We understand from your complaint that you made a purchase
from Haband in December When you ordered the items, your statement balance was $18.17, and at one time the Bank owed you $You also state you have closed the account and asked for statements from June through January We apologize for the inconvenience this matter may have caused you The account billed on December 11, 2016, with a balance of $and a minimum payment of $due by January 6, The required minimum payment was not received by the due dateTherefore, a late fee and finance charge were assessed to your Haband account, as explained in the Credit Card Agreement On December 03, 2016, a purchase of $was applied to the Haband accountThe purchase consisted of a charcoal suit jacket, charcoal suit pants, a leather jacket, and shipping and handlingThe account billed on January 11, 2017, with a balance of $and a minimum payment of $due by February 6, The required minimum payment was not received by the due dateTherefore, a late fee and finance charge were assessed to your Haband account On February 8, 2017, your account billed with a balance of $and a minimum payment of $due by March 6, The required minimum payment was not received by the due dateTherefore, a late fee and finance charge were assessed to your account On March 24, 2017, your account was credited $for the return of the leather jacketDue to the delay of the return credit being applied to your account, we have removed the previously assessed late fees and finance charges in the amount of $With this adjustment the balance on your account is $ Additionally, we have sent notification to the national credit-reporting agencies to remove the delinquencies reported as a result of this matterPlease allow days for the agencies to update their records If you have any additional questions regarding sales, merchandise processing, returns, and shipping; we suggest you contact Haband directly at ###-###-#### We have enclosed copies of your billing statements from June through March 2017, for your recordsPlease see the October 2016, and November billing statements that indicate a credit balance on the account Your Haband account has been closed per your requestAlthough your account is closed, we hope you continue to shop with Haband 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***

I am rejecting this response because: I am not happy the way I was billed! The bill should have stated that the amount due
was the minimum amount and also listed the amount for months financing free! I thought I was paying the amount for the months financing free since that is what I signed up for! Since I had opted for the months financing free, the amount billed should have been that amount!!!
Regards,
J*** ***

THIS IS NOT A RESPONSE TO MY COMPLAINTI already went over this! First of all, you removed the provisional credit and recharged me the amount2nd of all, IT IS NOT A VALID CHARGE IF I WAS SENT A NON WORKING PRODUCT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ AND , THE WRONG SIZE IN ADDITION! THIS IS NOT HELPING OR DEFENDING YO UR CONSUMER AND NOW YOUR CONTRACT IS FRAUDULENT AS YO U HAVE NOT DONE WHAT YOU AGREE TO DO FOR YOUR CARD MEMBERS!!!
Regards,*** ***

I've been returning mail from this company for several months now but continue to receive it, they need to remove my address OFF their mailing list
Regards, *** ***

Dear *** ***We received your 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.You state in your complaint that you placed an order over the summer for an air conditioning unit that did not require a signature at deliveryYou state the item was placed in plain sight on your front steps; as such, the item was stolen, however it is being charged to your accountYou further state the purchase of the laptop was not placed on the correct promotional plan; as a result, you are receiving finance chargesWe understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you.Please understand that Comenity Capital Bank and HSN are two separate entitiesThe 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.Bank records indicate on the November 11, 2015, billing statement, two purchases totaling $were applied to the revolving balance on the accountAfter careful review, we determined the amount in question belongs on plan 492-1: a 12-month deferred interest payment required planTo correct this, we moved the purchase of the HP Touch AMD QC and the HPP Laptop Year Repair Plan to the appropriate planAdditionally, we have credited the previously assessed finance charges totaling $40.88.On your next statement, you will see the charges in question moved from your regular payment plan to the appropriate promotional planAs agreed upon at the time of purchase, no interest will be assessed to the account if the balances of your promotional plans are paid in full as of the scheduled ending dates, which will be provided to you on your next billing statementFor information about your promotional plans, please refer to the “Details of your plans” section on page two of your billing statement.We contacted HSN on your behalf, in regard to the Energy Star 12,B air conditioning unitTheir records indicate on September 15, 2015, a refund was issued for the repair plan and air conditioning unit, and a lost package claim was filed with United Parcel Service (UPS)After several unsuccessful attempts by UPS to contact you regarding this matter, the claim was deniedA letter was mailed to you from HSN regarding this matter on October 27, As a result of the claim denial, HSN rebilled the above-noted account for the Energy Star 12,B unitShould you have any further questions and/or concerns regarding this purchase, please contact HSN’s corporate office directly at ###-###-####, or you may write to, HSN, ** *** *** *** *** ***Based upon the information provided by HSN, Comenity Capital Bank finds the billing of the items to be validAs of the date of this letter, your account balance is $945.47.The Bank has reviewed the applicable phone conversationWe apologize if you felt that you did not receive the best customer serviceIt is never the Bank's intention to treat our customers in a less-than-satisfactory mannerComenity Capital Bank is committed to providing the best customer service and is disappointed when a customer feels that this standard was not met.We hope you find this information to be helpfulShould you have any further questions about your HSN credit card account, please contact me directly at ###-###-####, ext*** (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Ashley R***

The company has failed to accept responsibility for mishandling my accountI tried to get assistance, but got hit with fees for things that should not have happened in the first placeComenity Bank has made any attempt to communicate with them an extremely difficult process and did not provide access to any other avenues of communicationThey have now lost a customer with a very high credit score, because of their lack of customer serviceI have never experienced this level of frustration and dissatisfaction with any other company.
Regards, *** ***

I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to methank you so much for your assistance Revdex.com, you've always made things right apologies for the delay, I was laid off on Tue!

We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveAs the bank that issues Simply Be credit card accounts, Comenity Capital Bank is here to help with your account-related concernsI appreciate the opportunity to assist you. We
understand from your complaint that you have made multiple orders with Simply Be and have had to return all of the merchandise due to defect, or other issuesYou state that you have attempted to contact Simply Be in regard to the defective merchandise but have received no response, and have not received full credit for all of the items returnedAdditionally, you contacted Simply Be again explaining your situation and received the response that there could be nothing done. You are requesting that the account be closed as requested last year, and to have the information removed from your credit report. After review of your account here are our findingsThe account was opened on November 4, There was an order placed on November 6, 2014, in the amount of $On January 18, 2015, a return was credited to the account in the amount of $An order was placed on January 20, 2015, for $Due to non-payment, the account exceeded six consecutive billing cycles past due, the account was closed, written off and reported to the national credit-reporting agencies as an unpaid debt. Please find the enclosed billing statements that show the activity that contributed to the status of the account. Please understand that Comenity Capital Bank and Simply Be are two separate entitiesThe Bank is responsible for addressing questions related to the credit card account, while Simply Be is responsible for handling matters related to sales, merchandise processing, returns, and shippingWe reached out to Simply Be on your behalf to resolve this matterSimply Be has advised that they have not found any correspondence received on your behalfAlso, Simply Be states that with the information provided, and a review of their records, all refunds have been issuedIf you have any questions regarding merchandise you returned to Simply Be, please contact them at 1-877-407-4675. We hope you find this information to be helpfulIf you have any further questions, please contact me directly at 1-800-675-5685, ext7293047(TDD/TTY 1-888-819-1918)I will be happy to assist you.Sincerely,Diamond L***Consumer Realtions SpecialistCC: Revdex.com

Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Diamond Elite credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the Comenity
Bankregarding this same matterPlease find enclosed a copy of our response sent to you on February1, 2017.As stated in the previous response, we have researched our database and we were unable tolocate the paymentPlease send a copy of the front and back of the cashed check to the addressaboveOnce this information is received we will work vigorously to resolve this matter.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,

I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI wish I could have achieved this result directly with their customer service representative without first having to file complaint with Revdex.com. Better late than never, I guess

This complaint has absolutely NOT been resolved to my satisfaction, and I notified you of such, and this should NOT appear as "Revdex.com has not heard back from the consumer..." The Revdex.com should pursue this bank's policies and practices, which are reprehensible.Comenity has not resolved this matter to my satisfaction, and I am moving forward with my complaint to the FDICPlease update your file to reflect that this has NOT BEEN RESOLVED

Hello,The company has only responded with a canned response that they will look into the matter. I am attaching the original
letter that I sent the company claims department. I also contacted their customer service department, they advised that if I dont like it to write a letter to my local congress person to change the laws.Please help.Regards,
A*** ***