Comenity Capital Bank

Dear [redacted] We have received the complaint regarding the above-noted accountComenity Capital Bank issues Ideal Image® VIP credit accounts, and we respond to all account-related concernsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to assist youIn your complaint, you state that you attempted to contact the Bank on several occasions regarding your promotional plan; however, you were unsuccessfulYou further state that your promotional plan ended and your account was assessed the accrued interest of $You recently contacted the Bank and were advised that a total credit of $would be issuedHowever, you are requesting that the full finance charges be credited to your accountI understand your concerns and apologize for any inconvenience or frustration this matter may have caused youOur records indicate that on March 25, 2014, a purchase of $2,posted to your account and was placed on an 18-month deferred interest, payment required plan that was sent to expire on September 26, 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 accountInterest is accrued (calculated, but not added to the balance), and if the balance is not paid in full by the plan end date, the accrued finance charges, which 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 balanceThis information appeared on your monthly billing statements, under the heading, “Details of your plans”I have enclosed your billing statements for your reviewUpon further review, our records indicate that a statement was issued to you on September 11, 2015, showing you a balance of $1, and a minimum payment of $due by October 7, Under the “Details of your Plans” section of that statement, it stated that the balance of $1,needed to be paid by September 26, 2015, to avoid the accrued interestAs a result of the promotional balance not being paid in full by the plan expiration date, the accrued interest of $was assessed to your account on September 26, Comenity Capital Bank has not found any errors with the account; however, in the interest of customer service, a total credit of $was issued to your accountPlease be advised that the Bank is unwilling to remove the remaining balance, as it is validWe hope that this information 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 youSincerely, Jenny W*** [redacted]

Dear [redacted] Comenity Capital Bank has received your correspondence regarding the above-referenced creditcard accountComenity Capital Bank issues the ZALES outlet® credit cardsWe are here toanswer your questions and assist with your concerns.Your complaint states that you purchased two rings for $with an advertised 0% interest ifpaid for in monthsYou state that you paid in time and that your wife found another ring for$There was no mention of the financing or interest rateYou continued to pay the billand later found that the two charges were combined, so by August 8, 2016, after paying off thefirst purchase, a balance of $was left on the second charge and you were charged 29.24%($188.44) of interest on the entire purchaseYou request a credit for the interest chargesassessed to the account.Our records indicate that a purchase, totaling $was charged to the account on August 5,2015, and was placed on a 12-month deferred interest, payment required, promotional plan,scheduled to end on August 18, An additional purchase, totaling $was charged tothe account on January 7, 2016, and placed on a 6-month deferred interest, payment required,promotional plan, scheduled to end on July 18, 2016.As agreed upon at the time of purchase, no interest would be assessed to the account, shouldthe balance of your promotional plans be paid in full as of the scheduled ending dateThisinformation is clearly provided on all billing statements in the “details of your plans” section, thatshould the balance not be paid in full, accrued finance charges dating back to the original date ofpurchase would be assessed to the accountThe details of your plans provides the originalpurchase date, original purchase amount, promotional plan end date, previous plan balance,purchases and charges, payments and credits, new plan balance, accrued interest per billingperiod, and total accrued interest.The promotional purchase of $was paid in full on June 30, 2016, and no interest wasassessed for this balanceHowever, On August 18, 2016, the promotional purchase of $927.04still had a balance due of $and was not paid in fullTherefore, accrued finance chargestotaling $were assessed to the account, and are valid feesThe Bank is unwilling to creditthe charges.Enclosed are copies of the sales receipts for your records.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely, [redacted] ***

A letter was received from Comenity BankThe following correspondence and form was returned to Comenity Bank by Overnight Mail, tracking number [redacted] which will be delivered to Comenity on September 19, prior to 3:p.m.This complaint has NOT been resolved to my satisfaction at this juncture.The Sheriff's Deputy who created my police report said she filed another report against Comenity Bank yesterdayTwo in just two days in my little town!!In the event that resolution is not forthcoming within days, I am considering pursuing a Class Action lawsuit against Comenity.Thank you,Regards, [redacted] ***

To Whom it concernsI have gotten letters from Revdex.com about a complaint I have against a person who sold me Norton Anti Virus at $for yrs I had the service for mosthen it stoppedmore charges for cash were on pay pal acctThat was resolved saying I owed $which I pdafter a January 17th letter from pay pal putting more chargesBut every month on the 24th Pay Pal keeps sending me bills saying I owe moneyso ending paying $then $I want my money back as I was paying for a service I do not have.So now I have different case numbersFrom [redacted] against [redacted] saying the business has till 4/2/to respond dated 3/3/Then on 3/3/ID [redacted] submitted against Comenity Capital Bank from [redacted] on 3/6/case # [redacted] said the complaint to [redacted] (formerly [redacted] Bank [redacted] ***.So I pad $for a service I do not have and want some of my money back and stop Pay Pal from sending me mail on the 24th of each month saying I owe more money I refuse to pay any more money to them.Please settle this matterThe person would call and say he was updating my anti virusSomeone called recently from India saying he wants to update my Norton AcctI hung upThen there was a scam on my computer for daysSo could not use the computer till I took the battery out all niteNext day the scam was goneHad another scam supposedly legal looking US Government about porn to go get a pay pal card at [redacted] pharmacy and mail it to somewhereMy daughter in law came and got rid of that scam.Thank you for looking in to this matterThe original papers went to Revdex.com, [redacted] *** I never got them back[redacted]

Dear [redacted] ***: We received the complaint you sent to the Revdex.com regarding the above-noted accountYour correspondence was forwarded to Comenity BankComenity Bank issues the VICTORIA’S SECRET credit card, and we are here to help answer your account-related questionsI appreciate the opportunity to assist you with your concerns In your complaint to the Revdex.com you state that on July 5, 2016, you scheduled a payment online for $130.00; which was scheduled to be paid on July 11, You further state that on July 21, 2016, you realized this payment was not deducted from your bank account and you went to your bank to question thisYour banking institution informed you they did not return any payments, nor did they see this payment being processedYou state that your banking information has not changed in years and other vendors/utilities have not had any problems processing paymentsLastly, you feel this was fraud to gain a $returned check fee from you We apologize for the inconvenience this may have caused you and would like to take this opportunity to explain our findings The Bank’s records show on July 5, 2016, you logged into the Bank’s online Account Center and scheduled a payment of $to be processed on July 11, On July 14, 2016, Comenity Bank received this payment back as “No Account Found, Unable to Locate”; therefore, the funds were debited back to the VICTORIA’S SECRET accountPlease keep in mind when payments are returned from your banking institution a fee of $may be assessed as stated in the Credit Card Agreement Please be advised that if a payment is returned due to no account found, your bank would not have record of the transaction on your account, as it was unable to be associated to an accountHowever, we suggest contacting your branch manager and having them check their logs regarding a “not valid combination”, as that was the reason your bank provided us for the payment being returnedPlease keep in mind that when a payment made via Account Center is returned, Comenity Bank will still accept online payments; however, we may require you to verify the routing and checking account numbers before submitting your payment through Account Center Please be assured that we have credited the $returned check fee to your Victoria’s Secret accountThis credit will appear on your next billing statement I hope you found this information to be helpfulIf you have any further questions about this account, please contact me at (800) 675-5685, ext [redacted] (TDD/TTY (800) 695-1788)I will be happy to assist you Sincerely, Jack C [redacted] Consumer Relations Specialist cc: Revdex.com

November 6, [redacted] RE: Haband Credit Card Account Ending In ***RefNo.: [redacted] Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Haband credit cardWe are here to answer your questions and assist with your concerns.In the correspondence, you state you have paid for all merchandise, including a late feeYou were advised you would be granted a late fee waiver and a zero balanceHowever, this was not done and your account has been billed monthly since March, despite your attempts to resolve this matterYou also state you have been harassed in writing and by telephone, and this matter has caused your credit to be adversely affectedYou are asking the Bank to cease and desist contact regarding this issue.This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balance.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 never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met.Please be assured, we have updated your account to reflect a current statusWe have also removed all applicable late fees and finance charges, bringing your account to a zero balanceWe have notified the credit reporting agencies of the changes that need to be madeThese changes should be reflected on your credit file within the next days.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 efforts, except those legally permissibleIt will also suspend authorizations for new purchases on all of your accounts since we will be unable to contact youYou will continue to receive certain legal communications as permitted by lawYour request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address:Comenity Capital BankPO Box 183003Columbus, OH 43218-3003I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at [redacted] Sincerely,Nicole FCompliance Dept– Consumer Responsescc: Revdex.com

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Zales credit cardWe are here to answer your questions and assist with your concerns You state in your complaint that you continue to receive collection notices from the Bank due to an ongoing billing issue that you have attempted to resolve with ZalesPrior to making your purchase in February 2017, you set the account up on automatic payments, which were linked to your credit cardYou assumed that when you made the purchase that your account would be automatically deductedTwo months later you received a phone call from collectionsThen you were contacted by a representative from the Bank, who you state was rude and would not waive any of the late feesYou further stated that the representative would not provide you with the Corporate phone number for the Bank or provide instructions on how to set up automatic payments to avoid late fees You state that you filed a complaint with Zales Corporate to no availHowever, you were informed that a representative from the Bank would reach out to you, but you never received a callYou state that your credit score has been impacted by this matter and you are considering legal action as the Bank violated the Fair Credit Reporting ActYou request all of the late fees waived, and the credit reporting corrected, once you pay off the balance I have reviewed the concerns noted in your correspondence and would like to provide you with the following informationPlease note that Zales and Comenity Capital Bank are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountZales is responsible for handling matters related to sales, merchandise processing, returns and shippingTherefore, Zales would not have been able to assist you with the Zales account A purchase was charged to the account on February 13, 2017, for $A billing statement was issued on March 1, 2017, with a balance of $and a minimum payment of $due by March 27, 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 AgreementSince no payment was received by the due date, a late fee and finance charge were assessed to the accountAdditional billing statements were issued April 1, 2017, and May 1, Due to no payments made the applicable late fees and finance charges were assessed to the account A billing statement was issued June 1, 2017, with a balance of $and a minimum payment of $due by June 27, We apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not met When an account is delinquent, we will make proactive attempts to contact the customer, communicate the situation and work out payment arrangements to minimize any negative credit reportingMany times a payment is overlooked, and reminder calls or payment discussions are helpful to bring the account back to a current statusPlease note that the collection calls were from the BankDuring the phone call on May 22, 2017, there was no request for a Corporate phone number for the BankAdditionally, the representative did offer to transfer you to Customer Care to provide you with the online informationWhen you spoke with the Bank on June 12, 2017, the representative assisted you with a payment of $and removed a late fee in the amount of $ A billing statement was issued July 1, 2017, with a balance of $and a minimum payment of $due by July 27, A payment was not received by the due date and a late fee and finance charge were assessed to the account Comenity Capital Bank does not offer automatic payments as a payment option; therefore, the account was not set up on automatic paymentsTo register online to make payments in the future, please ensure that you are visiting the website: https://comenity.net/zalesoutletTo provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you In-store: If the retailer listed on your card has a store near you, you may be able to drop off your payment in the store so it can be applied to your account on the same dayCheck the back of your billing statement to see if in-store payments are available for your account Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date) Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing up to days for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter We applied a courtesy late fee credit to your account on June 12, 2017, as such, we respectfully decline your request to credit any additional late fees We understand your concern regarding your credit reportWe have verified we are reporting the account correctly to the credit reporting agencies as we are required by law I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820- Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account.Comenity Capital Bank issues the Lending Club Patient Solutions credit cardWe are here to answer yourquestions and assist with your concerns.We understand from your complaint that you signed up for autopay and were later told that the Bank doesnot offer autopay, this caused your payment to be late and incur a late fee which increased your monthlyminimum paymentYou are requesting we adjust your minimum monthly payment to $1,throughNovember Furthermore you are disputing the $late fee, plus the $additional payment forthe month of MarchWe apologize for the inconvenience this matter has caused you.Bank records indicate your payment due date is the 19th of every monthYour Lending Club PatientSolutions account is a regular revolving account, which means that if there is a balance, a minimumpayment is required each billing periodA late fee will be assessed if the minimum payment amount is notreceived by the 19th of every month.Please keep in mind that 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, as explained in the Credit CardAgreement.Due to a late fee credit that was issued to the account on February 2, 2017, your account is no longereligible to have an additional late fee credited to the accountThe Bank finds this information to be accurate.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel freeto contact me at ###-###-####.Sincerely,Compliance Dept– Consumer Responsescc: Revdex.com

Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Blair credit card accountWe are here to answer your questions and assist with your concerns We understand from your complaint that you attempted to order merchandise from Blair and the order did not go through on the accountYou state when you contacted Customer Care they advised they did not know why the order did not go through, and when you asked if the account was okay, they confirmed it wasYou want to know why the order did not go through, as you have never been late on a payment and you have available creditI am happy to share my findings Please note that Blair and Comenity Capital Bank are two separate entitiesThe Bank issues and is responsible for addressing questions related to your credit card accountBlair is responsible for handling matters related to sales, merchandise processing, returns and shipping On June 16, 2016, the purchase was declined due to a prohibiting status on the account Please understand, we need to update credit bureau information periodically and re-evaluate your accountThe account requires a credit pull to determine if the account can be utilizedThis would be a hard inquiry on your credit reportIf you wish to provide permission to view a credit report, you may contact our Customer Care team directly at ###-###-#### I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses

I do not accept it because I was told different reasons my account was charged off over the phoneIn the response the representative stated my account would be charged off after billing cycles past due, however the representative over the phone stated my account was going to be charged off after cycles of being past dueSo which one is it, or 7!!!!!! Also, they also acknowledged that they did accept my debt management plan of $dollars but yet in still they charged my account offIt just seems as if they didn't even care to help a customer lower their payments under no circumstancesI don't appreciate that at all, and I will also check and see if I can cancel my dentist plan and send the remaining balance back because this entire situation is ridiculousI do not want to pay a company who is rude and inconsiderate of people's livesNo the response did nothing but say if they don't get their a month then my account will remain where it's atIf I can't pay them 3,right away my account will stay in a charge offIt's crazy because I'm still making payments even though my account is charged off nowThis is very unfair because this is but of course there's nothing I can do except to send the money back and go from thereI won't ever borrow another medical loan again in life!!!!!!! This is too much of a hassle and life isn't fair I guessI've come to accept that as well!!!!! The response might as well been a slap in the face and I don't want to give my money to company like Comenity Capital Bank!!!!!!!!!

Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist youWe understand from your complaint that in early December you received a package which you did not order and did not want Although you were told that you could send the package back at no charge, you received a bill for shipping and other fees You attempted to have your son contact the Bank; however, his attempt was unsuccessful You are requesting to be reimbursed for all fees, including punitive damages, the account to be closed, and all mailings to stop We sincerely apologize for any inconvenience or frustration this matter may have caused you Please understand that Comenity Capital Bank and Haband are two separate entities Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality Please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded Additionally, if you use the provided Smart Label for the return, your account is billed $for the cost of the return shippingOn March 4, 2016, a payment of $posted to the accountWe contacted Haband, on your behalf, regarding your complaint On November 23, 2015, a purchase of $posted to the account This purchase consisted of twelve ornaments On December 22, 2015, a credit of $posted to the account for eleven ornaments and a charge of $posted to the account for the Smart Label fee On March 17, 2016, Haband issued credits totaling $to remove one Smart Label fee, shipping and handling charges, and one ornament In the interest of customer service, the Bank issued credits totaling $51.00, to remove the previously assessed late fees and finance charges All credits have posted and resulted in a credit balance of $on the account Because the account has a credit balance, we have requested for a refund check of $to be sent to you Please allow days to receive the refund check, as it will be sent by a separate mailingThe above-referenced account was closed, per your request, on March 25, Notification has been sent to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Haband account, from your credit bureau report Please allow days for the credit-reporting agencies to update this information in their recordsPlease be assured, we have opted your account out of direct mailings, from the Bank, regarding the Haband account Please allow four to six weeks for all mailings to cease We respectfully deny your request for compensation We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]

Dear Ms [redacted] Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Haband credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, from the corporate office of Haband, and I appreciate the opportunity to assist you You state in your complaint that you are disputing the balance on the above-referenced account and you have not received any merchandise You further state that although you thought you had canceled your order and closed your account, you continue to receive statements We sincerely apologize for any frustration or inconvenience this matter may have caused you Please understand that Comenity Capital Bank and Haband are two separate entities Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality A purchase of $posted to the account on May 15, Haband has confirmed that this purchase belonged to a different customer, and was incorrectly applied to your account This purchase was returned; as such, a return credit of $posted to the account on September 2, 2015, and a credit of $posted to the account on September 3, The credits appeared on your billing statement that was issued on September 6, 2015, and resulted in a credit balance of $ Because the purchase and return were not made by you, the credit balance was reversed on September 25, Your account balance, as of today’s date, is zero Haband also confirmed a mail order purchase of $was received, with a check payment of $included with your order The mail order purchase was canceled per your request, and as a result, on July 24, 2015, a refund check of $was sent to you from Haband We have enclosed a copy of the cashed refund check for your records Please be assured, no negative payment information was reported to the national credit-reporting agencies as a result of this matter The account was closed, per your request, on August 21, We hope you find this information helpful If you have any further questions, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Laura R [redacted]

I owe you a huge apologyI should have written soonerThere's no way toexpress how grateful I am for your help on this issue.I had just about given up until I heard from youMy son even tried talking toComenity but it was you and the way Revdex.com made the difference.I had let the situation bother me and couldn't get it off my mindI had sent all theevidence needed but not until after you got involved could I see some light.This is probably an inadequate reason for my not following with a thank you but itwas crunch time with the IRS regarding my husband's death of a year agoWekept getting new rules, corrections and unrealistic deadlines (like days to redo)from our atty.Please use any part of this letter as a quote fiom meI always knew the Revdex.com is anaffective tool for citizens but never expected the understanding, interest and help IreceivedThank you so muchI can sleep better now[redacted] *

Dear [redacted] We received a complaint regarding the above-referenced accountComenity Capital Bank previously issued American Laser Skincare credit accounts, and we are here to help with account-related questionsThe complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concerns.We understand your frustration because American Laser Skincare went out of business and you are not able to pursue obtaining services; however, we are only able to help you with your American Laser Skincare credit card account.We resolved the dispute in accordance with the dispute provisions of the credit card agreement, which are also outlined in the Billing Rights Summary contained in the monthly billing statementsSpecifically, we refer you to the following section:What To Do If You Think You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-In your letter, give us the following information:? Account information: Your name and account number? Dollar amount: The dollar amount of the suspected error? Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistakeYou must contact us within days after the error appeared on your statementYou must notify us of any potential errors in writingYou may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:? We cannot try to collect the amount in question, or report you as delinquent on that amount.? The charge in question may remain on your statement, and we may continue to charge you interest on that amountBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.? While you do not have to pay the amount in question, you are responsible for the remainder of the balance.? We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchaseTo use this right, all of the following must be true:The purchase must have been made in your home state or within miles of your current mailing address, and the purchase price must have been more than $(Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)You must have used your credit card for the purchasePurchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualifyYou must not yet have fully paid for the purchase.What this means for you is, if the dispute was submitted more than days after the first billing statement on which the disputed charge appeared and you have not yet fully paid for the purchase, the maximum amount eligible for a credit is the balance on the account at the time of the disputeWhen we received your dispute, there was a balance of $1,037.00, which was the amount credited to your account March 9, 2015.We apologize for any inconvenience this matter may have caused youShould 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] :We have received the complaint regarding the above-referenced accountComenity Capital Bankissues Lending Club Patient Solutions credit accounts, and we are here to help with your accountrelatedquestionsYour complaint, addressed to the Revdex.com, was forwarded tomy attention, and I appreciate the opportunity to respond to your concerns.In reviewing the complaint, the Bank understands that you financed dental treatments on youraccount with the purchase to be placed on a one year interest free loan; after the year was over,interest would only be assessed to the remaining balanceYou further state that when youreceived your first statement, your minimum payment was $You contacted our CustomerCare Team to have you minimum payments lowered, and you were advised not to make the firstpaymentHowever, as a result of not making the payment, you received a phone call from theBank regarding your late paymentAt that time you explained that you wanted your monthlypayments lowered; however, you state that the representative was not helpfulFurthermore, youscheduled automatic payments through your bank for $a month; however, your minimumpayment increased, and you were not aware of this until you received a phone call from the Bank.As a result, your account fell past due and you were reported to the credit bureau as delinquent.You are requesting that your account and credit bureau history be updatedWe apologize for anyfrustration or inconvenience this situation may have caused you.Our records indicate that on May 16, 2016, a purchase of $6,posted to your account andwas placed on a 12-month waived interest, equal payment plan, set to expire on May 17, 2017.Purchases on this plan will not be assessed interest if the purchase is paid completely before theend date of the promotional periodAt the end of the promotional period, any balance remainingon the plan is added to the regular revolving balanceThe customer is required to make equalmonthly payments during the promotional periodFor example, if the customer’s purchase is$1,and the plan lasts for months, the customer is required to make an equal paymentof $each monthPlease be advised that the information regarding your promotional plansappeared on your monthly billing statements, under the heading, “details of your plans”.Please be advised the minimum payment on your account is based on your purchase of$6,As a result of your purchase being placed on the 12-month waived interest, equalpayment plan, your minimum payment is broken up into equal payments for the months.Bank records further indicate that a payment was not received for the month of June As aresult, a late fee was assessed to your accountOn June 23, 2016, a statement was issued toyou showing a balance of $6,025.00, and a minimum payment of $1,due by July 19, 2016.A payment of $was received on July 6, 2016, and an additional payment of $wasreceived on July 19, However, as a result of the two payments being less that the required minimum payment of $1,005.00, a late fee was assessed to your accountYour account becameone billing period past due.On July 24, 2016, a statement was issued to your showing a balance of $5,060.00, and a minimumpayment of $due by August 19, The Bank did not receive a payment; therefore, alate fee was assessed to your account, and your account became two billing periods past due.As a result of your account being two billing periods past due, your account was reported as 30days delinquent to the national credit-reporting agencies.Although, Comenity Capital Bank did not find any errors with the account, we issued a total creditof $for the late fees that were previously assessedHowever, we are unwilling to updateyour credit bureau history, as it is valid.We hope the information provided is helpfulShould you have any additional questions orconcerns regarding this letter, please contact me at ###-###-####, ext [redacted] (TDD/TTY 1-###-###-####)I would be happy to assist you.Sincerely,Jenny W***Consumer Relations Specialist

Dear [redacted] Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced account Comenity Capital Bank issues the Ultamate Rewards® credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint that the Bank charged the account a late fee, due to your payment being two days lateYou state when you requested the fee be removed, the Bank refused as a previously assessed late fee was waived in OctoberYou advise the October late fee was a result of the Bank’s online Account Center being unable to process your paymentYou request the $fee be creditedI am happy to share my findings Please be advised, the due date on your account is the 20th of each monthAdditionally, keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement Bank records indicate a billing statement was issued January 25, 2017, with a balance of $and a minimum payment of $due by February 20, Due to no payment being received by the due date, a late fee of $was assessed To provide the best customer service possible, we offer multiple ways to make a paymentChoose a payment method that's right for you Online: Online payments submitted through the Bank’s online Account Center before 8:p.mEastern Time (ET) will be credited to your account on the same day, unless you select a date in the futureOnline payments submitted after 8:p.mET will be credited the following day (or on a future scheduled payment date) Mail: Send your payment and payment coupon in the envelope that came with your billing statementWe recommend allowing a week for the payment to arriveIf you’re a paperless customer, print out a payment stub on the online account management site so your payment is processed as quickly as possible Phone: If you need to make a same-day payment, you may call us at the phone number on the back of your billing statement before 8:p.mET to speak to a customer care representativeA fee may apply to same-day, expedited payments made with the representative The above information and more can be found by visiting: http://www.comenity.net/comenity/UsingAccount/CustomerResourceCenter The Bank received your Secure Message requesting the $late fee be removedYou were informed that on October 31, 2016, the account was credited $for a previously assessed late feeAt this time, the account is not eligible for a full late fee creditIn the interest of customer service, we have credited $towards the late feePlease be advised we are unwilling to remove any additional fee regarding this matter I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted]

Dear Mr [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-noted account As the Bank that issues Motorola credit accounts, we respond to all account-related questions Your concern was forwarded to my attention, and I appreciate the opportunity to respond.Your complaint states that you purchased a phone and were offered months of interest free financing, yet you have been charged finance charges on your account You have requested to have the finance charges removed from your account, future finance charges ceased, and a letter sent to the credit-reporting agencies regarding your account status We apologize for any confusion or inconvenience this matter may have caused you Our records indicate that a purchase of $ was charged to your account on August 15, This purchase was placed on a 12-month deferred interest, payment required, promotional plan that was scheduled to end on August 15, However, this purchase was returned on August 21, Our records further indicate a charge of $was charged to your account on September 23, This purchase was placed on a low annual percentage rate (APR), equal payment promotional plan that is scheduled to end on September 24, As agreed at the time of purchase, interest would be assessed to the account at an APR of 9.99%, with minimum payments not less than $ Should the balance not be paid in full by the plan end date, any remaining balance would then be assessed interest at the standard variable rate, currently 28.99% Please be assured that the promotional plan for the purchase made September 23, 2015, has been updated to an 18-month deferred interest, payment required, promotional plan that is scheduled to end on March 26, For purchases on these plans, 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, will be added to the deferred balance, and this balance will be moved to the revolving balance This information will appear on your monthly billing statements in the “Details of your plans” section Additionally, please be assured that all previously assessed finance charges have been credited, and no derogatory payment information has been reported to the credit-reporting agencies regarding your Motorola account.We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you.Sincerely, Melissa L [redacted]

I wrote a complaint to the company and im sure in your archive the fcc can pull the will the recorded conversation I purchased the computer on the basis of free interest for monthsI even called in several times reference the incorrect billing I have been a valued customers with you for years I know what was offered and why I purchased the product how dare you scam and manipulate the truth I just ask that you make it right just because your employees failed at their duties does not hinder the fact of what I agreed too I will continue to fight the discrepancy and take it too the top through all reporting agencies if I have too Regards, [redacted]

I reject their response due to failure to address the issuerefusal toaddress the issue and basically tell me I have no choice means they arentwilling to work with me on this issueI am trying to resolve and they areunwilling to resolve itthey will not get anymore payments until we cancome to an agreement

they have offered to settle with me at 40% before and they sent the letter weeks late so I only had days to respond I thought I had days from the date of receiving the letter but upon reading it a day later...I only had daysBecause the letter was dated the first half of the month and I got it weeks later This is a horrible practice, to send a letter weeks from the date and expect someone to have time to respond If they offered me 40% settlement before then they can offer me a settlement again I would be willing to negotiate 35-40% I still have the original letter if you need proof of this Plus the harassing calls during my sleep time were requested by email (which I also have) to stop and they continued, costing me sleep and stress This letter is just a further notice of legal pursuit, which it would be in both our best interest to settle.Regards,Gay C***