Colony Brands, Inc.

Ms***' complaint has been forwarded to Montgomery Ward's loss prevention sectionShe will receive an identity theft affidavit in the mail in the next few daysMontgomery Ward asks that Ms*** complete and return the affidavit to assist in its investigation of her claimMontgomery Ward
will inform Ms*** of its determination upon completion of its investigation

Ms*** has not been granted a line of credit by
any Colony Brands company, The Swiss Colony released a small order in December
of 2014, but did not establish a line of credit for Ms***Subsequent
orders have been held based on a review of Ms*** credit report
and the
consumer fraud statement included on the report
Finally, Ms*** should be aware that each Colony
Brands’ company issues its own credit accounts under its own criteria
Establishing an account with one company does not mean an account will be
opened with any other company

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] The business has requested the phone number to which the complaint is in reference. It is ***. I have no account with this company and never have. They are contacting me via telephone in error
Regards,
*** ***

We received the correspondence from
the Revdex.com in regards to your order #*** placed 7/22/
for the Liv Jacket DressWe are sorry for any confusion regarding your account
balance
Our guarantee is listed on the order
blank in the center of the catalog or online under
Customer Service/Help and
states, “All items come with a money-back guarantee* only if returned within
days of invoice dateYou may request a full* merchandise refund or exchange
(if available)The refund or credit amount does not include the original shipping charges or the
return shipping charges.”
Our records indicate a prior order
returned in June for credit had a remaining balance of $due to the use of
the Smart Label for return of productThe new order placed 7/22/for $
brought the balance on account to $The dress was returned using the
Smart Label option at a cost of $to be applied to your account when
returnedUpon the returns processing of the Liv Jacket Dress and credit for the
dress of $your remaining balance due was $The account had also
accrued finance charges as no payment had been
received
We have, as a one time courtesy,
credited your account in full for two smart labels, original shipping and
processing and accrued finance chargesPlease allow twenty four to seventy two
hours for your account to reflect a zero balanceWe regret any inconvenience
or disappointment, but appreciate the opportunity to explain Sincerely,
Ashro

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
That was a mailing address for a package I have not received any mail offering at my physical address

We have located
your returned tablet and it will be destroyedWe have also issued a
credit to your account for the amount of the tabletWe would like to send
you a new (never opened) tablet, if you will return the one that you currently
have firstThis would be at no charge
to you
If you would like
to purchase fraud protection for either you or your daughter, please do so and
send us the receipt to reimburse youWe will not be writing off your
balances
We apologize for
the inconvenience this may have caused. Sincerely, Montgomery Ward
v

Ms*** placed an order with Ashro in December of that had a total value of less than $Since the order was posted to a credit account, she was assigned an account number and mailed a cardAshro did not, however, establish a credit limit for the account at the time of the initial orderWhen Ms*** placed a larger order, Ashro requested a copy of her consumer credit report and made a determination of her creditworthiness based on the information included in the reportThe terms and conditions provided to Ms*** included the following:Your ability to obtain a credit account
(“Account”) is conditioned on your meeting certain creditworthiness
requirements that we have established for the AccountYou authorize us to
obtain a consumer report on you. We may
not provide an Account to you, or we may limit the amount of credit initially
available to you, if you do not meet our creditworthiness requirementsAshro regrets any inconvenience Ms*** may have experienced as a result of this matter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Yesterday, 2/20, I received the UNWANTED "Montgomery Ward Home Edition Spring 2015" catalogThis is 20+ WEEKS after Montgomery Ward, on 10/28/14, told me that James R Box had been REMOVED from their mailing list.My complaint CLEARLY REQUIRED a signed response from CEO *** ***This was not supplied!!! I attempted to get information on contacting the CEO from supervisor Lori Cat *** on 2/I asked Lori Cto e-mail me as she would not give out this information over the phoneLori Cclaimed to want to help but NO E-MAIL WAS RECEIVED!!! I also left a voice mail for Mr*** at *** on 2/at A.MMountain TimeThis makes the complaint and phone calls to the CEO but Mr*** did not respond As stated in my complaint this was the 4th and FINAL TIME for Montgomery Ward to resolve this problem. I have repeatedly gotten POOR SERVICE from this companyI will objectively let others know about this experience with Montgomery Ward(An early 1990's survey found that a dissatisfied consumer let almost people know about their lousy experienceAnd this was before the widespread use of the internet.) I consider this complaint closed AS UNRESOLVED!!!
Sincerely, W RP.SA Montgomery Ward Catalog sticker states."LAST CHANCE: we don't want to bother you with unwanted catalogs..." An UNTRUE STATEMENT from this company!!!

Seventh Avenue has investigated Mr*** claim and has coded the account as fraudThe account information should be removed from Mr*** consumer credit file in the next daysSeventh Avenue offers Mr*** its apologies for any difficulty he experienced in reaching a customer service
agent

Montgomery Ward's records indicate Ms*** failed to make her scheduled monthly payment on or before her May 27, due date, and has failed to bring her account current sinceThe chronically past due status of her account has resulted in collection calls and the assessment of late payment
feesWhile the late fees were properly assessed, Montgomery Ward has, as a courtesy, credited Ms*** account to remove the late payment feesThis adjustment will reduce her account balance and bring the account currentThe account will remain current provided Ms*** pays the scheduled payment amount on or before her November due date

Seventh Avenue does not accept or offer deletion of account information as a condition for settling an accountSeventh Avenue's records indicate this has been explained to Ms*** on more than one occasionMs*** account balance was reduced to zero and the account information was
updated to reflect the settlementSeventh Avenue does not believe there is a reason to delete or modify information that accurately reflects the payment history and current status of Ms*** account

We received the correspondence from
the Revdex.com in regards to your request to have a former resident,
*** * ***, removed from the mailing listingWe apologize for any
disappointmentOur records indicate this name was requested to be removed from
the Montgomery Ward
catalog listing previouslyWe regret that even though the
request has been completed, it is still possible you may receive another catalog
from usAs some catalogs are already at their shipping destinations, to be
released at a later dateThe entire process can take from six to eight weeks
We apologize for any inconvenience, but appreciate the opportunity to explain
Sincerely, Montgomery Ward

Ms*** did not apply for any credit from you in August of When I called your Company to ask about the beddings you told me I had to pay some money down this was in January not August of 2014.I never applied for any credit from you in August of This is not true and besides if you were going to check my credit it would have been in January of You have now just listed it on my credit this yearIt appeared on my Credit this year March of why was this? even if you checked my credit back in August of then why is it now appearing on my Credit Report last monthYou have not been on my Credit Report until last monthIt does not take months to appear on any ones credit reportI have been getting credit before and even now it shows withe next few daysThis is not trueYou never told me you were checking my Credit any way and I never asked you to check my CreditI was only asking how much I would have to pay and you told me that I had to pay something downI decided against this because at the time I was moving and I didn't want the items coming to that address after I had movedYou told me this in January of not August The reason I know I didn't do it in August is because all of my Credit Reports had a block on them I don't know how you checked my Credit with a block on all three Credit Reporting AgenciesNo Company can check my Credit without prior approval from meThese blocks has been on my Credit sense August 1,This is not trueyou couldn't have checked my Credit with any Credit Reporting Agency with out prior consent from meThis is why I know this is not trueI never gave you consent at any time to check my CreditYou never told me you were checking my credit from January 2014, you never told me this and you never ask me to check my creditI did not give you my consent to check my credit at any given timeHow you checked my credit in August of I do not know but I never gave you my consent to check my Credit with any Credit Reporting AgencyI did not apply for any Credit from youI only ask if I had to pay any thing down that was itYou did this on your own with out my consent in Augustyour inquiry appeared on my Credit last month which was months ago from the time you say you checked my creditThis was in January of that I called you and ask about the beddingsI never contacted you in August of If this was true then why is it now appearing on my Credit Repot March of This is not true, I say this because it is trueI had blocks on my Credit Reports the entire month of AugustYou must have founded a way to check my Credit in August because like I said all of my Credit Reports had blocks on themI never ask for you to check my credit at any given time

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I had spoken to someone in reference to the account and final and removing the item off my credit report before the final payment was madeI had wrote a letter in regards to the matter and it did state that upon cashing my check they agree to remove the item from my credit reportThey cashed my check over a year ago and they have not removed this itemIf they were not going to honor my request they should have not cashed my check, sent it back with a letter informing me that they was not going to honor my requestBut they cashed my check anyway and the item still remain on my credit report
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

We received the correspondence from
the Revdex.com regarding your order #*** placed 2/16/for
a Laptop Table along with additional productsWe are sorry the table and the
replacement issued on 3/7/did not meet your expectations and apologize for
any disappointment
or inconvenience
We regret any confusion regarding
the return of defective productsOur policy is to offer to email, or mail via
USPS, prepaid return labels (at no charge to the customer)Our records
indicate one label was sent for the first unitWhen the additional email was
received regarding the replacement table having the same concern was received,
unfortunately, we had no response asking if a replacement or credit was
desiredThere were three internet order inquiries shortly after, however, this
does not indicate a response; only that the order had been reviewedWe are
sorry if we made a mistake, as we would have gladly sent prepaid labels for
returnThe Smart Label return option enclosed with the replacement order is a
convenience label offered for another purpose as listed on the label, and the
customer is billed
It is a common practice in the
catalog industry that the consumer is responsible for properly packing the
product for returnThere are many local businesses or facilities willing to
provide a used box for a customer at no chargeWe are sorry you were unable to
locate a box and as a courtesy, have issued credit of $for the unitThis
will be reflected on your next monthly statementYou may dispose of the Table or donate to a local charity of choiceCustomer satisfaction is of the utmost
importance to usWe appreciate the opportunity to explainSincerely,
Ginny’s

We received your correspondence
from the Revdex.com regarding order #*** placed via internet
11/8/We regret any inconvenience we have caused regarding your
orders.Our records indicate that a refund
check in the amount of $was issued 12/23/If you have not
yet
received it, it should arrive in the mail within the next seven to ten business
days
We hope this information is
helpful to you

The four year statute of limitations in the state of Pennsylvania provides an affirmative defense for a debtor in the event a creditor seeks to collect the debt by filing a civil suit against the debtorThe statute of limitations does not expunge the debt, it simply prevents a creditor from
obtaining a judgment on debt that is beyond the SOLCreditors may still attempt to collect the debt without filing a law suitMore importantly, however, the statute of limitations does not prevent or limit the furnishing of information regarding the debt to a consumer reporting agencyThe Fair Credit Reporting Act allows information regarding a consumer debt to remain on a consumer credit report for approximately seven years after the account is charged off as a lossNothing in the PA state law changes the federal lawFinally,, the FCRA places responsibility for removing outdated information from a consumer credit report with the agency that compiles the report, not with the furnisher

Colony Brands has contacted Mr*** regarding his complaintMr*** states that a credit inquiry from The Swiss Colony appears on his credit reportSwiss Colony has no record of requesting a consumer credit report on Mr***The only credit report request on file for any colony Brands company was
requested by Midnight Velvet in response to an order placed by Mr*** on September 22, If Mr*** can provide a copy of the inquiry that appears on his report, The Swiss Colony will investigate and ensure that the information on his report is accurate and correct

On March 5, 2014, Ms*** placed a telephone order with Country Door in the amount of $211.92, which was posted to account number ***Country Door has received the following payments on the account: 4/8/- $25.00, 5/6/- $25.00, and 9/8/- $The total of all payments on the
account is $
On April 10, Ms*** placed a telephone order with Country Door in the amount of $88.84, which was charged to account number *** Ms*** has made three payments on the account in the amount of $20, $50, and $18.84, for a total of $The account now has a zero balance
Country Door regrets any inconvenience Ms*** may have experienced as a result of the opening of a second account, but the fact remains that she has made purchases totaling $and made payments totaling $211.84. Thus, while one of the accounts has been paid in full, the balance remaining on the other account is correct and properly due and payable