Colony Brands, Inc.

Review: Account Number:[redacted] I pulled my credit bureau reports and I discovered that you claim I owe you a debt for midnight velvet account number [redacted]. Under 809 of FDCPA, I am requesting validation of the debt, which includes a copy of the debt for which you are collecting. I am also requesting you remove this negative mark against me with Equifax, Experian, and Transunion. Thank you for your help in this matter.Desired Settlement: Removal of this negative mark against me from Equifax, Transunion, and Experian. Thank you and have a great day!

Business

Response:

Ms. [redacted] opened her Midnight Velvet account in October of 2011 when she charged an order in the amount of $73.90. She paid her account balance in full in March of 2012, then placed two additional orders in December of 2012 totaling $684.71.

Review: I ordered (order# [redacted]) a french barqoque iron console table on 25 March 2014. I received the item shortly there after, but I found after trying to put the base part onto the table did not line up accurrately so I was unable to screw the base piece properly onto the leg. I then called Montgomery Ward and requested a replacement part and was informed after calling twice that the replacement was shipped on 09 April 2014. As of today I have yet to receive the base part which is item number 4 of the assembly instructions sheet that came with the table in the mail. I called two weeks ago and spoke with a manager by the name of Avasa and spoke with her today. She asked that I call my local post office and see if they could trace the tracking number that she provided and to call her right back with the results. In my attempt in calling her back I was informed by the operator that she has no way of connecting me with Avasa when I had spoken to her just an hour ago, so if the other operator was able to connect me with Avasa then she should be able to do the same, she stated she does not know how to do that. Im tired of the running around and I want the replacement part.Desired Settlement: For all the running around I've experienced both while working and personal time I want either a full refund of the table or return label and a box to return the item.

Business

Response:

We received the correspondence

from the Revdex.com regarding your order #[redacted] placed 3/25/2014

via internet. We sincerely apologize for any disappointment you have

experienced with the Iron Console Table.

Review: In December 2013 my wife [redacted] purchased items for me as christmas gifts shipped to me in my name billing it to her account.Some how swiss colony didn't bill her but opened account in my name without my permission billing me.We tryed to switch it to her name but swiss colony refused to do so in a proper way that wouldn't cost me more money.Now they are sending account to collections after only 1 payment missed because they refuse to combine accounts and make it just one bill to pay them accuse me of opening the account which I did not.Desired Settlement: Stop sending me to collections and billing me im not the account holder fix it quick and simple.failure to do so and i'll request discount on bill

Business

Response:

On November 27, 2012 Swiss Colony received an internet order in Mr. [redacted] name in the amount of $208.60. A second order was placed on the same day, in the amount of $47.85. It should be noted that the information on these orders, including the bill to and ship to information, was entered by the individual who placed the order, and that no one from Swiss Colony reviewed, edited or altered the information. Thus, the order was placed in Mr. [redacted] name, and billed to him, because the individual who placed the order on-line entered his information in the “[redacted] to” fields on the Swiss Colony web site.

Review: Colony brands is sending me pre approved credit catalogs and has done hard inquiries on my experian credit report thru midnight velvet,figi,and other companies under their umbrella when I did not try to make a purchase.Desired Settlement: Take me off all mailing lists.

Business

Response:

We received the correspondence from the Revdex.com in regards to your request to be removed from our mailing listing. We are in the process of removing your name, as listed. Please be aware if there would be any changes to your name and address from what is listed, you would need to contact us again. Additional avenues we recommend exploring for additional information online are DMAchoice.gov where you may specifically select what you prefer to receive or decline. However, it is still possible you may receive another catalog from us, as some catalogs are already at their shipping destinations, to be released at a later date. The entire process can take six to eight weeks. If any are received you may discard. Further, please note that Colony Brands does not request consumer credit reports on consumers. Monroe & Main, a Colony Brands subsidiary, requested a copy of your consumer credit report in May of 2014 as part of a consumer initiated credit transaction. Midnight Velvet has no record of requesting a copy of your consumer credit report. Figi's is not a subsidiary or affiliate of Colony Brands.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], 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,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I do not accept this response.#1 Experian shows velvet did a "hard inquiry"#2 Colony Brands lists Figi as a subsidiary on their website. Figi was also an inquiry on Experians report. I have disputed this with credit reporting agencies and joined an online blog re Figi. We've never heard of them but find them on our credit reports

Regards,

Business

Response:

As stated previously, Midnight Velvet has no record of receiving a request for credit from Ms. [redacted] that would trigger a request for a consumer credit report. The only credit report request on file for Ms. [redacted] is the one made by Monroe and Main in May of 2014. Midnight Velvet did pre-screen Ms. [redacted] in December of 2014. Please note that neither Midnight Velvet nor Colony Brands compiled the consumer credit report Ms. [redacted] is referring to., and they are not responsible for any errors or omissions made by the consumer reporting agency in preparing the report. If the consumer reporting agency listed the pre-screen inquiry as a consumer initiated request, Ms. [redacted] will need to address that issue directly with the agency. Finally, below is a list of Colony Brands titles, directly from the Colony Brands' web site. You will note that Figi's is not included in the list. More to the point, the "About Us" page on Figi's web site includes the following statement: "Figi's is owned and operated by Mason Companies, Inc." Contrary to Ms. [redacted]'s opinion, Colony Brands and Figi's are in agreement that Figi's is not a subsidiary of Colony Brands.

Review: I mailed a certified letter and a copy of my credit report to Monroe and Main on Jan. 23, 2015 requesting an investigation and to remove the debt off my credit report since the debt is out of the statute of limitation in the State of Pennsylvania and they are conducting collection activities on zombie debt. Monroe and Main responded on Feb 10, 2015 and they said my dispute has been deemed frivolous and irrelevant and any further correspondence will be discarded. They refused to investigate my credit file and use blatant stall tactics to ignore my request. Monroe and Main received my original letter on 01/28/2015 by certified mail. On March 12, 2015 through CFPB (Consumer Financial Protection Bureau), they responded by insulting me by trying to say I used a credit repair company. Not only do I believe this to be another stall tactic on their part to grant them an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. That request was written by me and mailed by me—not a third party agency. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. On March 15, 2015 they put a derogatory remark on my credit report. So far they were sent 3 letters certified and I also filed complaint with Consumer Financial Protection Bureau on Feb. 21, 2015.

I also sent Copies of letters to Monroe & Main and copies of Monroe & Main's responses to all 3 credit bureaus by certified mail. The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here and they continue to list the disputed item on my credit report including derogatory remark At this point, I find it necessary to take legal action and sue them for actual damages and declaratory relief under the FCRA. Also I will contact the Federal Trade Commission and advise them of their stall tactics and disregard for consumer protection laws and The Attorney General.Desired Settlement: I want them removed off my credit report completely including their derogatory remark.

Business

Response:

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 debtor. The statute of limitations does not expunge the debt, it simply prevents a creditor from obtaining a judgment on debt that is beyond the SOL. Creditors may still attempt to collect the debt without filing a law suit. More importantly, however, the statute of limitations does not prevent or limit the furnishing of information regarding the debt to a consumer reporting agency. The 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 loss. Nothing in the PA state law changes the federal law. Finally,, the FCRA places responsibility for removing outdated information from a consumer credit report with the agency that compiles the report, not with the furnisher.

Consumer

Response:

Review: I have had an account with Ashro Inc for a few years now and never had a problem with them getting my payments. In January of 2015, I received a letter from them saying that I had not made a payment and my account was delinquent. I checked my bank statement and saw that I HAD in fact made the payment. They asked me to fax in my bank statement which I did and it was corrected. Now today, 4/13/2015, I receive a letter saying "To all customers who are past due" This could affect your ability to get a house, car loan, etc, and I immediately called them. On their website it clearly says that my last payment was made 3-20-15 for 50.00 and they said I did not make a payment in March. I also checked my bank statement which also shows that they took the money on March 23, 2015. Now they are asking me to send in another bank statement to prove I made the payment. I always make my payments online to their direct website with my debit card. They had not made an attempt to fix the issue which is a terrible inconvenience to the customer...receiving threatening letters in the mail..... threatening my ability to purchase a house or a car because of a website they have that records some payments and not others. That is not my fault.. I am doing what I am supposed to do by making my payments on time.Desired Settlement: THEY NEED TO GET THEIR WEBSITE FIXED SO PAYMENTS ARE RECORDED!!! I would also like a formal apology for the letter I received saying that I did not make my payment and I did. They are very rude and unprofessional.. One lady even told me it wasn't her problem...She didn't have any control over that. They are AWFUL!!!!!!!!!!!!!

Business

Response:

Ashro has two accounts at Ms. [redacted]s address, one under the name [redacted] (ending in [redacted]) and one under the name of [redacted] (ending in [redacted]). The [redacted] account was opened via the internet on January 12, 2015 and has payments made in February and March of 2015. The [redacted] account was opened in October of 2012 and is the account for which Ms. [redacted] has been receiving notices for non-payment. If both of these accounts belong to Ms. [redacted], Ashro will be happy to combine them into one account, with one billing statement. If they are separate accounts for separate individuals, Ms. [redacted] will need to ensure that she is paying on the account in her name.

Consumer

Response:

Review: I recieved a Homeatfive catalogue in the mail. The catalogue showed in two strategic locations along with other encouraging advertisement what my credit limit was. I placed an order $9.54 over the limit and used a 10% off order coupon. My customer service agent was a male with good customer service attitude. I asked him that with my order being over the limit if should take an item off my order. He said it was only $9.54 over my limit and that shouldn't be a problem. He said if it is I will be notified. So, having not recieved my order I checked my email and it read I was sent a letter why not. I created an account online and checked my order, it read my order was not shipped and I needed to put a down payment on it. I thought I best call and take an item off because it must be the over the credit limit situation. I called to take an item off and was told my actual limit was 1/4 of what my catalogue said I had and that a letter was sent to me in the mail. I said why didn't the customer service agent who took my order didn't inform me of that and I even discussed my limit with him. I was informed it was all my mistake. I asked to file a complaint. I waited for the supervisor whose name was [redacted] She argued with me over and over but I explained to her that the catalogue was false advertisement and that I was ashamed of the company she works for and that I was going to file a complaint wih the Revdex.com and I asked her to cancel my order which she did however, through her homeatfive never took any responsibility for the serious misleading personal advertisement that I had been targeted for by that catalogue and she just wanted to argue and I finally had to end the conversation with thank you for taking my complaint. Then, I went straight to the Revdex.com and filed this complaint.I think if I could send the said catalogue or copies of it to the Revdex.com it would help my complaint like 90%. Please let me know if I can assist the Revdex.com any further. Thank you.(Step 5 says I can upload file, need time,will scan&upload)Desired Settlement: It would be a good idea to fine homeatfive and its parent company/companies and to keep homeatfive on at least a 5 year probation for any further violations and require them to send out only Revdex.com approved advertisement. At the very least warn people and require homeatfive follow Revdex.com advertising guide lines.

Business

Response:

Ms. [redacted] was pre-screened to receive a pre-approved credit

offer from Home at Five. The promotional

materials for this offer state:

Home @ five

credit

UP TO

$400

Credit orders are subject to final

credit approval. See terms

of credit and pre-approved offer on the back of the order

form.

Please note the highlighted text. It 1.)does not indicate

that Ms. [redacted] was pre-approved for a $400 credit limit: 2.) clearly indicates

her credit order is subject to approval and 3.) refers the consumer to the

terms of the offer on the back of the order form.

Ms. [redacted] placed an order with Home at Five on April 14,

2015. The amount of the order exceeded $400. After reviewing Ms. [redacted] credit

history, Home at Five offered to open an account for her if she remitted a down

payment equal to 1/3 of her order total. Had she made the down payment, an

account would have been opened in Ms. [redacted] name and the unpaid balance of her

order would have been charged to the account. As a result, she would have

received an extension of credit between $100 (the minimum limit listed in the

terms of the offer) and the upper limit of $400 listed on the promotional materials.

Finally, it should be noted that a creditor has the right,

under the FCRA, to review the credit history of any consumer who responds to a

pre-approved offer and to revoke the offer if the review indicates the consumer

no longer meets the criteria established for the offer.

Review: I purchased items from Ashro clothing on-line, I retruned the items and received a bill for charges included in those charges was an interest payment.. How can an company charge interest on non product items.I called the company and was told that was charges for mailing the products to me and for the return...I question the change and asked if it could be removed because it is not interest on items that I purchased and was told no any time a customer has charges the system does not know where the changes came from, I said well since we are discussing where the changes came from can you take them away she said no she could not because that is interest on charges in the system. My question was how can a company charge interest on mailing....Desired Settlement: I would like the interest charges waived

Business

Response:

Ashro offers its apologies for any inconvenience Ms. [redacted] may have experienced as a result of this matter. Regardless of the nature of the finance charges, the agent Ms. [redacted] spoke to should have removed them from the account as a simple customer courtesy. Ms. [redacted]'s account has now been credited for the late fees. As an additional courtesy, Ashro has credited her account to remove the various shipping and processing charges from her previous orders. The account now has a zero balance.

Review: Opened account in 1997- Paid it off

Started receiving billing in 2012 in the name "[redacted]" (It started to appear on my credit when it SHOULD have been removed from my report)

Called to dispute. they Could NOT FIND ANY of my information (NO account number, etc)

What they did find was the info I had provided to them A DIFFERENT account number AND a name of "[redacted]"

I also sent Certified letters requesting deletion.

They told me that the accounts had been "merged" because of "being close by residentially". Then They sent back a weird form for me to FIND The person whose account this was, and to make ME sign it over to whom ever this person was! I did have relatives in the area who are now deceased/and whereabouts are unknown to me. They have since updated their account to MY name AND a new balance AND a new removal date!

I am beyond angry that they MADE me assume a debt that was NOT mine AND changed the information to reflect this! Recently they have added a claim as JUNE 2015 I am $100 PAST DUE???? How is this even possible?

This is effecting my credit report and I am respectfully requesting that Swiss Colony do what is legally mandated by the FCRA and FDCPA, and delete the account listing.

Please help me if you can! Thank youDesired Settlement: TOTAL deletion FROM ALL credit reports.

Business

Response:

Ms. [redacted] contacted Swiss Colony regarding her account in August of 2013. In October of 2013 Ms. [redacted] called and indicated a niece had placed the order on her account and she was not responsible for payment. A letter was sent to Ms. [redacted] to facilitate a transfer liability for payment of the account to her niece. The Swiss Colony shipping order was also sent to Ms. [redacted] as some of the items ordered were shipped to her home address. Ms. [redacted] has never returned the completed letter or an identity theft affidavit in support of her claim that she was not responsible for payment of the account. The Swiss Colony will investigate this matter further upon receipt of additional information or documentation from Ms. [redacted]. At this time, however, based on the information currently available, The Swiss Colony has a reasonable basis for believing Ms. [redacted] is responsible for payment of the balance on the account.

Consumer

Response:

Review: I started paying on these cabinets about 9 months ago.I finally got the money to pay them in full. when I called to see if they had received my money. I was told that the cabinets were discontinued, but every month they send me a bill, in fact I got another bill today. I don't owe them any thing. Also they threatened me to turn me into a collection agency for 20.00 dollars. what kind of a business can keep your money. And still send u a bill on something they no longer have, I want my money back.Desired Settlement: All I want is my money back a total of $298.00

Business

Response:

We received the correspondence from the Revdex.com and regret our investigation to locate a current order using your name, address, phone number, or email address were unsuccessful. We will gladly research further if an order number or account number could be obtained. We look forward to serving you in the near future. Sincerely, Home at Five

After reading some of these reviews I feel even worse about this company than I did based on my own experience, especially since the customer is my elderly grandparents.
This Christmas, my grandparents purchased for our family a bunch of gifts from Monroe and Main, a company I'd never heard of. While it was a very sweet gesture, none of the items they bought were things we'd ever realistically use. So we figured the sensible thing to do was return the items for a credit, or exchange them outright. After searching through their online catalog, we found a couple of items and prepared to make an exchange. These items would have cost more than the original purchase, and we figured that was fine and we'd simply pay the difference. And so we called Monroe and Main customer service only to learn their bizarre, inflexible return policy. In fact, we called twice: My wife called, and then the following day I did.
Despite the fact that each of the gifts we received included an invoice/gift receipt, we were told that an exchange was impossible under their odd rules: Any return had to be credited directly to the purchasers credit card, and a straightforward exchange of goods was not allowed. We'd hoped this transaction would work as it might with any other company on the planet, and we would be able to exchange these items without hurting my grandparents' feelings and bringing them in on the exchange. No dice. Monroe and Main doesn't give a [redacted] about anyone's feelings, with the customer service rep saying they could not do anything with a purchaser's credit card without their authorization.
So weird.
I explained, rather logically, that since the initial purchase had already been made, an exchange of goods wouldn't involve the purchaser's credit card. I further added that pretty much any other company on the planet would allow such an exchange, especially given we had all the paperwork that came with the delivery. The customer service rep remained unmoved.
I tried one last time, explaining it this way: While I was not interested in hurting my grandparents' feelings by returning these items, I had even less interest in cluttering my home with things we had no use for. And so, as I saw it, Monroe and Main's asinine gift return policy afforded me only one option, one which would not benefit the company: I would return the items, my grandparents would receive a credit to their account, and Monroe and Main would not only lose this particular sale, but I would never use their lousy company in the future. Rather than keeping their money and approving a sensible exchange any company on the planet would have allowed, Monroe and Main decided instead to stick to their guns. Based on other reviews I've read about this company, they're in the practice of selling inferior products and scamming people with their credit and shipping practices. So [redacted] them.

Review: This company has contacted me no less than 12 times (I have documentation) attempting to reach a person named [redacted]. (full name withheld for their privacy). I have informed the company that this person does not use our phone number nor do I have any acquaintance with the person. I have spoken to supervisors ( I have documentation and names) and multiple customer service reps. I still receive phone calls approximately every 2 or 3 days. The number that they are calling is my husbands business line. They have repeatedly told me that our number has been removed from their system yet we still receive regular calls.Desired Settlement: I wish this company to stop contacting me.

Business

Response:

The telephone number provided with the complaint is not associated with any account. Ms. [redacted] indicates the number being called is her husband's business line. If that is not the number she provided on the complaint will need to either provide the number that is being called or provide the full name of the account holder.

Consumer

Response:

Review: Mountgomery ward recievd my order on 03/10/15. I mailed a $200.00 check and it was cashed at the beginning of March. Today is Aprl 6, 2015 and the items that I ordered has not been shipped.Desired Settlement: I would like a refund of my 200.00.

Business

Response:

Montgomery Ward offers its apologies for the delays in shipping Ms. [redacted] order. Ms. Houston canceled her order on April 6, 2015 and her refund check will be mailed to her attention this week.

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: This is in reference to two accounts. One with Ginny's and one with Seventh Avenue. First, the Ginny's account number is [redacted] My husband separated from the military in 2012 and we moved to our home state of Arkansas. I placed an order in 2012. Before the order arrived my husband received a job offer out of state which required an immediate move so we had to move before the order arrive. A neighbor was suppose to refuse the package once the order came but I guess that never happened. I never received a bill so I assumed it was taken care of. The address that was listed when I called about the account was only used very temporarily while we were house hunting and the bills were never forwarded to my new permanent address in MS. I didn't check my credit reports again until Jan of this year or the issue would have been taken care of soon. I paid this account in full through the collection agency, Chase Receivables, who I was given the contact information of by a customer service rep from Ginny's. This payment was made on 03/28/2016.

The Seventh Avenue account number is [redacted]. During 2015,I had multiple health crisis and the final payment to this account was overlooked. I paid this account in full on the Seventh Avenue website on 03/16/2016.

I have an account with Grandpointe that has been and remains in good stand for quite some time so these were definitely not intentional actions on my part.

I have mailed multiple letters to facilitate my request but am unsure if they are going to the correct place and I could not find an email address to contact.Desired Settlement: I would ask that since these accounts have been paid in full they be removed from my credit reports. I would be happy to further discuss by phone or email.

Business

Response:

As a courtesy to Ms. [redacted], Seventh Avenue and Ginny's have coded her account records to request deletion of the account information from her consumer credit file. This request will be transmitted as part of the companies next regular update to the consumer reporting agencies and may take 30 days to appear on a consumer credit report, depending on the update schedule for the various agencies.

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you so much for your help. It is sincerely appreciated.

Regards,

Review: I opened an account with wards.com. They requested large payment to receive goods. I never used them. Now they have my SS# on my mothers account, in her name and address........She has had account for months making payments. Now this is on my credit, they have not fixed. I would like this taken care of pronto. I have called them many times. They say they fix and then change everything back. I am not paying $500 for items I did not receive or order. They have handled my SS # improperly and are tosses it around different accounts. I want my information taken out of the mont wards system this is ridiculous.Desired Settlement: I want my SS# and account closed with you. You are missuing all my personal information and placing my confidentional information in other peoples accounts. This is causing me a lot of stress, I have called them numerious times

Business

Response:

[redacted] has an account with Home at Five. The SSN on his account is not the same as the SSN on his mother's [redacted] account. Montgomery Ward has no record of receiving an order from [redacted] or requesting a down payment from him.

Review: I filed a original complaint in Sept 13, regarding a defective product. and the company refunded my money and I returned the merchandise. now the company is attempting to collect the refunded money from plus interest. what is wrong with this company.. I'm not responsible for a error on the part of the billing and collection. When are they going to leave me alone? to attempt to collect interest. if there was a mistake they should have notified me ,Desired Settlement: It is not my error (IF THERE WAS ONE) I didn't do anything wrong please stop billing me calling me everyday , retaliating, how did they get the #s to keep harassing me.

Business

Response:

We received the correspondence from

the Revdex.com regarding your concerns of a balance on

account.

Review: I returned a product back to the company. When product was delivered by UPS, I neglected in reviving the product. UPS driver had me signed off on it to send back to sender. Product was never taken off the truck. I tried explaining, that I never touched nor saw what was sent to me. Associate on the other line refused to hear my concern and continue to say if I do not send the amount of $102.90 which is part of $263.85 that they were going to put me in collection. I tried explaining why $102.90, he continue to say that the merchandise was returned incomplete? I cannot see why part was return if I never saw what they sent, because UPS never took it off the truck. He did not want to hear my concern and I quote "is not my fault that part of the merchandise is missing, you need to pay $102.90 and how will I pay for this). I was missed treated and being forced to pay for something I do not have. UPS must have a record of the transaction.Desired Settlement: An apology for disrespecting me and to remove the charge on my account. I am hurt by how these type of service thinks that they can force money out of people like me for merchandise I do not have. It is a shame and rude of them to treat me like I do not know my right. An apology and remove a charge that should not be there. Thank you

Business

Response:

We received your correspondence from

the Revdex.com regarding order #[redacted]. Please accept our apology

for the poor way in which your order was handled.

Review: Last year I discovered that this company was reporting a delinquent debt on my credit report using their subsidiary name of Ginny's with an account number of [redacted]. I disputed the debt numerous times with the credit bureaus and sent them several letters requesting that they validate the debt and they responded to none of them. The erroneous is still showing on my credit report as of today.Desired Settlement: Immediately remove the erroneous debt from my credit reports.

Business

Response:

Ginny's records indicate Ms. [redacted] opened her account in August of 2009. She made two payments on the account - one in January of 2010 and one in June of 2010 - before the account was charged off as a loss in November of 2010. Ginny's records indicate Ms. [redacted] called in about her account shortly after the charge off was furnished to the consumer reporting agencies. Ms. [redacted] indicate she intended to pay the account in full, but no payment was ever received by Ginny's or the collection to which the account was referred. Ginny's has not communicated with Ms. [redacted] since, although a number of automated disputes have been received from the consumer reporting agencies. In response to the disputes that allege the account does not belong to her, Ginny's has sent an Identity Theft affidavit for Ms. [redacted] to complete and return. Ms. [redacted] has never returned a completed affidavit. Based on the information available, Ginny's it has a reasonable bass for believing that the account belongs to Ms. [redacted] and that she is responsible for payment of the account balance. Ginny's also believes that the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Ms. Russell's account.

Review: This company is ripping not only me off but many others I received a catalog from them and placed an order for a craig 14 inch slim book. In the first book I received it was listed as DH73022 IS THE CATALOG NUMBER. THE SLIMBOOK IS JUNK CHEAP MADE PLASTIC. BUT THAT IS NOT MY CHIEF COMPLAINT WHEN I RECEIVED MY ORDER THEIR WAS THE SAME CATALOG IN THE BOX EVERYTHING ABOUT THIS BOOK IS IDENTICAL COVER, PRODUCTS, PAGES ETC.... EXCEPT FOR THE ITEM NUMBER AND PRICING. THE CATALOG THAT CAME WITH MY SHIPMENT HAD MY SLIMBOOK LISTED AT ED73022 PRICED AT $249.95. I IMMEDIATELY CALLED THEM AND THEY STARTED OFF SAYING IT WAS A DIFFERENT CATALOG I HAD BOTH IN FRONT OF ME AND THEY THEN FINALLY SAID THEY WOULD GIVE ME THE $50 CREDIT. Then after talking with them I started going through every page for example page 8 of the catalog is TV's my catalog sent to me was priced so much more then the catalog that came in the shipment, in that catalog their was a $512.00 difference on that page compared to mine for example in my book the 32" TV DH64316 IS $599.95 AND IN THE CATALOG THAT CAME WITH THE SHIPMENT WAS ED64316 FOR $399.95. I then called them again and asked for an explanation as to why the pricing in the identical catalogs are the same. The 4th person I spoke with on this matter said it is marketing. What kind of answer is that everyone should be paying the same price. I feel it is a rip off to the people who have credit problems or low income and they have to pay more? This business is ripping off the lower income people. And they do not even report to the credit bureau's to help establish better credit scores. Totally screwing many!!Desired Settlement: I want a true explanation of why one catalog has hire prices, and the other one identical in pages, cover, items etc but the prices are anywheres from $5.00 to $200.00 difference in price.I know they will come up with something lame but my daughters and my friends that have recieved the catalog I called them to see which one my one daughter and her husband make about $80,000 a year they got the catalog that had the cheaper prices and my other daughter has much lower income and she received.....

Business

Response:

As a company, we are always thinking about how to improve the value we bring to our customers through our products and how to improve our business. To accomplish that goal, we often test new ideas in marketing strategies, product offerings, pricing and other matters that could impact our customers and the company. To accomplish such tests, we may randomly change the test object in some catalogs on a random basis. In this circumstance, we were testing the business effects of offering lower prices on certain items in the catalog. We sent these test catalogs to a small portion of our customer base on a completely random basis and your shipment was included in the test.

Review: Hi- I received a catalog in the mail stating that I was pre-approved for up to $400. I understand what pre-approved means, and I know that it means yes/no. I have never been turned down for anything in similar catalogs and to my surprise, I tried to order a vacuum and on the next page it said they could approve me if I put a $151.xx down payment. WHY would I waste my time with a company who takes me the run around and expect a large down payment as such as that?

Please only contact me via email.Desired Settlement: Since getting the item is out of the question (i will not be putting that amount down) I guess I will be closing my other account that is associated with Ginny's and never purchasing anything from this company as a whole again.

Business

Response:

Ms. [redacted] was pre-screened by Ginny’s and was

mailed a pre-approved credit offer in the fall of 2015. Like all pre-approved

credit offers, the one sent to Ms. [redacted] had an expiration date. Fall 2015

pre-approved offers expired on 12/31/15. Ms. [redacted] placed an internet order

with Ginny’s on January 5, 2016 – after the pre-approved offer expired.

Upon receipt of the order and request for extension

of credit, Ginny’s evaluated Ms. [redacted]’s creditworthiness by, among other

things, reviewing her consumer credit report. As a result of its evaluation,

Ginny’s determined that it could open a credit account for Ms. [redacted] if she

first remitted a portion of the order total. Had Ms. [redacted] chosen to accept

the offer, a new account would have been opened upon receipt of the payment and

the remaining balance of her order charged to the new account.

Ginny’s has informed its affiliates of her desire to

close her accounts to new purchases.