Comenity Capital Bank

Dear [redacted] We received your additional correspondence sent to the Revdex.com regardingPayPal Credit, which was forwarded to Comenity Capital Bank (Bank)The PayPal Credit productis issued by Comenity Capital Bank and serviced by Bill Me Later, IncPayPal Credit is a paymentoption made available by many merchants to their customersWe are here to answer yourquestions and assist with your concerns.Your correspondence states you would like to know what the balance of $is forYou alsostate you would like the past two years of statements.Please be advised, your statements can always be obtained by logging in at www.PayPal.com.Here's how to find your full statements online:Log into your PayPal account at www.PayPal.comClick the Money tabClick PayPal CreditClick View StatementsClick a statement cycle date to view transactions from that billing cycleOnce a cycle is selected you can download that full statement by clicking the PDF icon on theleft.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####

Dear [redacted] Comenity Capital Bank has received your correspondenceWe are here to answer your questionsand assist with your concerns.We would like to assist you in resolving this matterUnfortunately, we are unable to locate theaccount you are referencing in your correspondence based on the information providedIn orderto investigate your concerns, please provide your account number, copies of your billingstatements, and/or a copy of your credit bureau report showing your account.Once this information has been received, we will be able to further investigatePlease sendthis information to my attention at the address shown above.Please understand that Comenity Capital Bank and Blair are two separate entitiesComenityCapital Bank is responsible to addressing questions related to Blair credit card accounts, whileBlair is responsible for handling matters related to sales, merchandise processing, returns,shipping and handling, and merchandise quality.If you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Shelley A***

They have not corrected the problemMy bank sent them verification that the payment had cleared my bank as well Regards, [redacted] ***

Dear Ms [redacted] We received the complaint you sent to the Revdex.com regarding PayPal CreditYour correspondence was forwarded to Comenity Capital BankThe 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.Your complaint states your PayPal Credit account is past due and you are unable to make your minimum paymentYou also state PayPal Credit called your parents multiple times per day, without your permission, and provided your account balanceYou are requesting PayPal Credit not contact your relatives regarding your PayPal Credit account.PayPal Credit's records reflect that your PayPal Credit account became past due on February 24, and on March 1, 2016, PayPal Credit began calling you regarding your past due balanceIf PayPal Credit has trouble reaching you at the telephone number listed on your account, we will attempt to contact you at telephone numbers you may be associated withThese telephone numbers may have been provided on past transactions with PayPal Credit and/or linked to you via public recordsUpon your request, any of these telephone numbers can be blocked to prevent future calls to that number from PayPal Credit.On March 4, 2016, PayPal Credit attempted to reach you at a telephone number linked to you via public recordWhen the call was made, PayPal Credit spoke to an individual who identified herself as [redacted] Ms [redacted] was then advised of the balance on the account and that the account was past dueAt that time, Ms [redacted] indicated the account belonged to her daughter and that you both have the same first namePayPal Credit did not disclose any additional account information once they were aware they were not speaking to youHowever, PayPal Credit was not informed that you could not be reached at this phone number.On March 10, 2016, you called PayPal Credit and requested to have your parents’ phone number removed from your account, and the agent blocked the number upon your requestUpon receipt of your complaint, PayPal Credit confirmed the third party phone numbers presently associated with your account have been blocked, and we will not call those phone numbers regarding your accountAs of March 16, 2016, your account is past due with a balance of $2,and a minimum payment requirement of $due by March 21, 2016.We hope this letter explains this matter.Sincerely,Christina W [redacted]

Dear [redacted] :Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Haband credit cardWe are here to answeryour questions and assist with your concerns.We understand from your complaint that you are not satisfied with Haband’s return policy, andyou have concerns regarding the fee for the return labelWe apologize for any frustration this hascaused you.Please understand that Comenity Capital Bank and Haband are two separate entitiesComenityCapital Bank is responsible for addressing questions related to your credit card account, whileHaband is responsible for handling matters related to sales, merchandise processing, returns,and shippingFor concerns about products, returns, or exchanges you would need to contactHaband directly at ###-###-####They will be happy to assist you.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely, [redacted] Compliance Dept– Consumer Responses

Dear Ms [redacted] : Comenity Capital Bank received a complaint, addressed to the Revdex.com, regarding the above-noted account As the bank that issues HSN credit card accounts, we respond to all account-related concerns Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youThank you for taking the time to speak with me on October 21, 2015, regarding your experiences with the Bank’s website Based upon our conversation, we were able to determine that your complaint is regarding your experience with a separate entities website, not Comenity Capital Bank Should you experience any issues with the Bank’s Account Center website, please contact me at the number listed below As of today’s date, the balance on your HSN account is $ We value you as a customer, and we hope that you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Lauren S [redacted]

Dear [redacted] Comenity Capital Bank received your complaint regarding the above-noted accountAs the Bankthat issues Lending Club Patient Solutions credit accounts, we respond to all account-relatedconcernsYour complaint, addressed to the Revdex.com, was forwarded to myattention, and I appreciate the opportunity to assist you.Your complaint states that you financed dentures on your account and you had months to payit offHowever, your purchase was placed on a month plan, and you were not given properdocumentation that explained the promotional planAs such you are requesting the financecharge be waivedWe understand your concerns and apologize for any confusion or frustrationthis may have caused you.Our records indicate on July 15, 2014, a purchase of $3,posted to your account and wasplaced on a 24-month deferred interest, payment required plan that expired on July 16, Forpurchases on this plan, the customer is required to make payments on the promotional planbalance 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, theaccrued finance charges, which were calculated from the date of the original purchase, will beadded to the deferred balance, and this balance will be moved to the customer’s revolvingbalancePlease be advised that information regarding your promotional plan appeared on yourmonthly billing statements, under the heading, “details of your plans”Additionally, beginning withthe April billing statement, notification was provided which advised your promotional planwas expiring soonI have enclosed your billing statements for your reviewThe promotional plandetails were also on the sales agreement, which is also enclosed.Please be advised that a statement was issued to you on June 23, 2016, showing a balance of$1,with a minimum payment of $due by July 19, Under the “details of yourplans” section of your statement, it stated that the promotional balance of $1,needed tobe paid in full by July 16, 2016, to avoid paying accrued interest.The Bank received a payment of $on July 20, As a result of the promotional balancenot being paid in full by the plan expiration date, the accrued interest of $1,was assessedto your account on July 16, 2016, and the remaining promotional balance of $1,was movedto revolving, which is subject to monthly finance charges.Our records further indicate that the Bank has not received a payment since July and youraccount is currently four billing periods past duePlease be advised should your account exceedsix billing periods past due, your account will be permanently closed, written-off, and reported tothe national credit-reporting agencies as an unpaid debt.Comenity Capital Bank did not find any errors with the accountTherefore, we are unwilling toremove the finance charges, as they are valid.As of the date of this letter, your account balance is $2,655.15.I hope this information is helpfulShould you have any additional questions or concerns regardingyour credit account, please contact me at ###-###-####, ext [redacted] (TDD/TTY [redacted] I would be happy to assist you.Sincerely,Jenny W***

Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenityCapital Bank issues the Ideal Image credit accountsWe are here to answer your questions and assist with yourconcerns.We understand from your complaint that you made all of your payments on time and more than the minimumamount required, except for one paymentYou state that you had one more month to pay when over $400.00was added to your account for charges and feesFurthermore, you state that customer service has been rude.You are requesting to have the additional charges and fees removed from your account, so that you may makeyour final payment to pay off the balanceWe sincerely apologize for any frustration you may have experiencedas a result of this matter.We have reviewed the concerns in your correspondence as well as the communication between you and theBankWe apologize if you felt you did not receive the best customer serviceWe never intend to treat ourcustomers in a less-than-satisfactory mannerWe are committed to providing the best customer service andare disappointed when a customer feels this standard was not met.After further review the amount of $1,was applied to your account on March 21, 2015, on a monthdeferred interest payment required promotion plan, due to expire on September 21, On September 21,2016, the above-referenced promotional plan still had a balance due of $227.00; therefore, the accrued financecharge totaling $was assessed to the account.Please be advised, as agreed upon at the time of purchase, no interest would be assessed to the account shouldthe balance of your promotional plan be paid in full as of the scheduled ending dateFurthermore, informationabout your promotional plan was provided to you on your monthly billing statements in the “Details of your plans”sectionSpecifically, accountholders are instructed that should a balance not be paid in full by the promotionalplan end date, accrued finance charges dating back to the original date of purchase, will be assessed to theaccount.As the Bank finds no errors, we regrettably deny your request for a refund of the finance charges applied to yourIdeal Image account as they are valid.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free tocontact me at ###-###-####.Sincerely, [redacted] ***

Dear Erin AWatkins:Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Overstock Store credit card accountWe are here to answer your questions and assist with your concerns.We previously responded to your correspondence submitted to the Revdex.com regarding this matterAs previously stated, Comenity Capital Bank has not found any errors on your account and we are unwilling to waive any additional fees or update the credit bureau history, as both are validPlease find enclosed a copy of our response sent to you on April 28, 2017.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely, Jenny W***Compliance Dept– Consumer Responses April 28, 2017Dear [redacted] :Comenity Capital Bank has received your correspondence regarding the above-referencedaccountComenity Capital Bank issues the Overstock Store credit card accountWe are here toanswer your questions and assist with your concerns.Your complaint states that you paid your account in full and was then charged a late fee.Furthermore, you state that you were not aware that you still had a balance owing because youdid you receive any notification or billing statementsYou are requesting to have the late feescredited to your account and for a refund check to be sent to you for the payment you madetowards the late feesIn addition, you are requesting that the Bank update your credit bureau toshow that your account was not delinquentWe understand your concerns, and apologize for anyfrustration or inconvenience this may have caused you.Bank records indicate that you are enrolled in paperless statements and notifications are sent to [redacted] , which is the email address you provided on July 10, 2015.Please be advised that on January 9, 2017, a statement was issued to you showing a balance of$with a payment of $due by February 4, Bank records further indicate that onFebruary 6, 2017, you accessed the account center website and made a payment of $23.89.However, as a result of the payment being made after the due date, a late fee was assessed toyour account.Please be advised that notification continued to be sent to you at the email address you providedshowing that your account still had a balance owingHowever, no payments were received forthe months of March and April Therefore, late fees were assessed to your accountand your account became two billing periods past dueWhen an account becomes two billingperiods past due, it is reported to the national credit-reporting agencies as being daysdelinquent.Bank records further indicate that your account has already received a courtesy late fee creditand is not eligible for an additional late fee creditComenity Capital Bank has not found any errorson your account, and we are unwilling to waive any additional fees, as they are valid.Please be advised that we are only willing to remove or change information that our companyincorrectly furnished to the credit-reporting agenciesWe have found the information we reportedis an accurate reflection of the payment history for your accountTherefore, this information will not be changed or removed from your credit bureau report.I hope you found this information to be helpfulIf you have any further questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***Compliance Dept– Consumer Responses

Dear [redacted] :We have received the complaint regarding the above-noted accountComenity Capital Bank issues multiple retail credit accounts and we are here to help with your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand from your inquiry that that your account was assessed finance charges and you are requesting that it be waivedPlease be advised that we have attempted to locate an account in your name with the information provided; however, we are unable to locate an accountTo locate an account, we would need additional informationPlease provide the following:? Complete Account Number? Any Previous Names? Any Previous Addresses? Home Telephone Number? Social security numberThis information can be mailed to the address listed above or faxed to my attention at ###-###-####.We hope this information is helpfulShould you have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist

Dear [redacted] Thank you for contacting Comenity Capital Bank regarding the above-referenced account As the bank that previously issued TigerDirect credit cards, we are here to help with your account-related questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand you are requesting that the fees assessed to the TigerDirect account in June are removed I am happy to share my findings with you As stated in the previous response, dated June 18, 2015, you were advised that your payment, due on June 18, 2015, would be removed, and your next payment will be due on July 18, Please be assured that credits in the amount of $40.52, which include the late fee of $and the finance charge of $that were assessed to the account in June 2015, have been applied to the account These credits will appear on one of your next two billing statements We apologize for any confusion this may have caused you, and we hope you find this information helpful If you have any further questions about your account, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist

Dear [redacted] ,Comenity Capital Bank received the complaint [redacted] , for [redacted] ***.In order to properly research this complaint, we require additional time to complete our investigationWe would like a due date extension until 03/03/Please let me know if this extension date is not approved.Thank you, [redacted] ***Office: ###-###-####

I see per my bank records I have sent in so far a total of I'm wanting to make payments on my account until I can get this bill paid out in fullI called today to try and do this because I recently sent in a payment and payment to you allHowever I had a rude and down right nasty represenative who would not want to work with me to do this because she stated my account is in default If you all could please work with me with this type of arrangement it would be much appreciated and you will see God bless you all and your companyI work part time and I'm struggling to pay all my billsIf you will not work with me on this then I will continue to pray to God about you all and send in as much as I can like I been doing recently until I can get the bill paid offAlso by the way what is my now total balance with and without acumlated fees against my that I have paid? Peace and Many Blesings! [redacted] ***

Dear [redacted] Comenity Capital Bank has received your complaint regarding the above-referenced account Comenity Capital Bank issues the HealthiPlan® credit card We are here to answer your questions and assist with your concerns Your complaint states that you financed hearing aids on your account and you had months to pay it off As such you are requesting the finance charge be waived We understand your concerns and apologize for any confusion or frustration this may have caused you Our records indicate on August 5, 2015, a purchase of $5,posted to your account and was placed on a 12-month deferred interest, payment required plan that expired on August 5, For purchases on this plan, the customer is required to make payments on the promotional plan balance based on the standard repayment terms for their account Interest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which were calculated from the date of the original purchase, will be added to the deferred balance, and this balance will be moved to the customer’s revolving balance Please be advised that information regarding your promotional plan appeared on your monthly billing statements, under the heading, “details of your plans” Additionally, beginning with the June billing statement, notification was provided which advised your promotional plan was expiring soonI have enclosed your billing statements for your review Please be advised that a statement was issued to you on July 1, 2016, showing a balance of $1,with a minimum payment of $due by July 27, Under the “details of your plans” section of your statement, it stated that the promotional balance of $1,needed to be paid in full by August 5, 2016, to avoid paying accrued interest The Bank received a payment of $on July 27, As a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $1,was assessed to your account on September 1, 2016, and the remaining promotional balance was moved to revolving, which is subject to monthly finance charges As such, the Bank finds the finance charges to be valid and we are unwilling to remove them As of the date of this letter, the account has a zero balance and is current I hope you have found this information to be helpful If you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, Renee S***

I realize I got into credit card debt on my ownI am trying to pay things down without having to file for bankruptcythese creditors are relentless!!! they harass me to no end they call and leave threatening voicemails asking me to have my attorney call them before they take legal action against meI didn't murder anyone, my employer started paying me less the last 6-months which if you inquire you can see thats when I started paying latei pay what I can but this company charges triple the interest and ups the minimum payments to $60-a monthi cant pay thatif I pay $a month they tack on another late fee and my bill goes upI want to keep my cards and I will make payments but I don't owe hundreds of thousands of dollars so making all these threats and phone calls times a day is unnecessaryall the credit cards I have are from the same creditor so why call me 8-times a day? and then to harass me and threaten to garnish my wages? I think I only owe over $on two cardsthese people are coming after me as though I'm not paying at all and owe millionsjust let me make my payments, stop threatening me and stop calling me 10-times in one dayI am paying my cards but I don't make a ton of money and I'm a student, I'm saying what i

All I have is sweater vest that were on sale at each & then statements they want - they keep adding interest & fees & items never ordered by me & charge for items that were returned yrsago to themThe bills from them keep going up & I only have sweater vests Christmas ones that were on sale for eachI've gotten no where with themI've reported them to Consumer Protection & Revdex.com's (illegible word)I warned by home bound friends by mail to also no longer buy from those crooks!!! and mail man too[redacted]

We received your complaint, addressed to the Revdex.com, regarding the account referenced above.As the bank that issues HSN credit card accounts, Comenity Capital Bank is here to help with your account relatedconcernsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist you.I understand from your complaint that you were offered a HSN credit card that you were unaware was financedthrough Comenity Capital BankAdditionally, you state that you were unaware that the credit card had a revolvingline that has an annual percentage rate of 27.8%You state that you mailed in a check for the remaining balanceof $3,as well as requested the account be closed per your requestLastly, you received a statement inthe mail stating you owe a remaining balance on the account of $which you believe is invalidWeunderstand your concerns and apologize for any frustration this matter may have caused you.Our records indicate that we have previously responded regarding this issue on August 23, Pleasefind enclosed a copy of our previous response, as our position remains unchanged.As of the date of this letter, Bank records indicate your remaining balance is $130.60, this balance is foundto be valid.We hope you find this information to be helpfulTo discuss suitable payment arrangements, or to discussyour intentions regarding the remaining balance, we recommend that you contact our Recovery team at(888) 788-(TDD/TTY (888) 819-1918) for further assistanceThey will be happy to assist you.Sincerely,Ashley R***Consumer Relations Specialist

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the abovereferencedaccountComenity Capital Bank issues the Ideal Image VIP credit cardWe are hereto answer your questions and assist with your concerns.Your correspondence indicates your account balance went from $to over $2,000.00overnight, without proper notification, due to a deadline on a promotional programYou spoke totwo representatives from the Bank; however, no one was willing to remove the chargesHad youknown of the deadline, you would have paid the remaining balance of $prior to the deadlineto stop the chargesYou consider this unfair and deceptiveYou also consider the matter settled,paid in full, and further advise that no additional payments will be madeIn addition, you suggestthe Bank provide notice of the promotional program on our website and request the billing issueto be corrected.We have reviewed the concerns in your correspondence, and apologize if you felt you did notreceive the best customer serviceWe never intend to treat our customers in a less-thansatisfactorymannerWe are committed to providing the best customer service and would like toexplain the following information.The May 6, 2015, purchase for $5,was placed on a 24-month deferred interest, paymentrequired promotional plan (424-00001) with an expiration date of May 7, The Bank receivedyour payments of $on June 14, 2017, and $on June 19, Under the terms ofthis promotional plan, interest on the purchase is deferred until the plan expiresThis means thatinterest on this purchase was accruing monthly from the original purchase date but was not beingapplied to your accountIn order to keep the accrued finance charges from being applied to youraccount, the entire promotional purchase amount needed to be paid in full by the promotionalplan’s expiration dateSince this promotional purchase was not paid in full by the expiration datementioned above, the accrued interest was applied to your account totaling $1,on May 7,The details of your promotional plan, as well as the expiration date, were present on eachbilling statementEnclosed are copies of your billing statements for your records.With regard to the Bank’s Account Center providing notice, we do provide notification on a banktile for promotional plans, both on the public home page and secure home page, which directscustomers to their billing statements.While we understand your concerns, after our review of your account, we have determined thebalance is accurate and no adjustments are neededIf you have any questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jack C [redacted]

Dear [redacted] We received an additional complaint, addressed to the Revdex.com, regarding the above-referencedaccountAs the Bank that issues Gardner-White credit card accounts, we are here to assistwith account-related questionsI appreciate the opportunity to respond to your concerns.We have reviewed the account, and our records indicate that the Bank previously responded to thiscomplaint on April 1, Please be advised that in that response, we advised that your paymentsare due on the 10th of each monthThe Bank understands that you schedule your payments through yourfinancial institution on the 10th of each monthWhen scheduling payments through your financial institution,we ask that you schedule the payments seven days in advance to allow time for processingReviewingthe information you provided showing the history of your payments; we can confirm that the payments thatwere submitted before the 10th, were posted to your account by the due datePayments submitted on the10th did not post to your account until after the due date.Our records further indicate that some of the payments we have received are for less than the minimumamount requiredPlease keep in mind that when payments are not received, are received after the duedate, or are made for less than the minimum required, the account may be assessed a late fee, as explainedin the Credit Card AgreementTo avoid further late fees, please refer to your statement, which shows therequired minimum paymentWhen scheduling recurring payments with your financial institution, you canelect to pay the full balance, the minimum amount due, or a fixed payment.Please be advised that Comenity Capital Bank offers the option to make payments online through ourAccount Center websitePayments that are scheduled online before 8:p.mEastern Time will post thesame day.Comenity Capital Bank has not found any errors with the account, and we are unwilling to remove any feesthat were assessed to the account, as they are valid.As of the date of this letter, the balance on your account is $989.01I hope that the information I provided is helpfulShould you have any additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Jenny W***

To whom it may concern, I [redacted] sent every receipt and statements and copy of late charge for getting my payment there on time on the due date paid by debit Visa.Here are the last two, and I am not behindI paid then more, now they charged and changeI have been paying for, and they are trying to charge Woman Within.I sent you all paper work eevery statement every copy of my payments on time sent on timeYou have everythingI am telling the truthGod is my witness [redacted] ***