Colony Brands, Inc.

Review: I have had an account with Seventh Avenue since 2009 and was very pleased with the quality of merchandise. Last year both myself and my wife had to have major surgery and fell on hard times putting us behind on our bills. I was attempting to pay something on the account as much as I could with being out of work but it got turned over to collections. It was at this time that I found out this account is reporting under my father's SSN and not mine! He was denied credit when he went to purchase something at a farm supply store. My wife immediately contacted customer service to find out what was going on and they insisted that if it is reporting in his name it must be his account. My father has never ordered from them and after explaining this and getting connected with Loss Prevention department they assured her that as soon as I sent in a notarized letter accepting responsibility for this account the information would be updated. The loss prevention department said it would IMMEDIATELY be updated in their system. She sent the letter certified mail and it was signed for on 12-4 , Called customer service on 12-11 and it has not been fixed. They stated they have the letter but need time to process it. Somewhere in the mean time my father had 2 of his credit cards get cancelled when he went to make a purchase all because of this negative info. This is unacceptable. Especially when we were told it would be updated automatically and forwarded to collection agency so they could get it changed with credit bureaus. I have set up a generous payment plan with the collection agency offering to pay 220 per month when I was required to pay seventh Avenue was about 140 per month. I feel like I am trying my best to make this right and need Seventh Avenue to do the same. I had requested in my letter that I was contacted at my home phone number when they received the letter/ updated info and I have not been contacted. Tried calling customer service today and was on hold for 1 hour plus with no answer.Desired Settlement: I would like for Seventh Avenue to make this right before it negatively affects my father's credit any worse. I do not know my father's SSN and have never known or used it to open an account. I do not see how hard it can be to change this matter when I am telling you the charges belong to me. I need this updated with Seventh Avenue and the collection agency Tri-state adjustment as well as credit reporting. I know that any information reported to credit bureaus has to be accurate and this info is not. Please correct it.

Business

Response:

A correction notice was sent to the consumer reporting agencies on December 13, 2013. The account information should no longer appear on the consumer credit report of [redacted] father.

Review: I ordered Christmas gifts for my family from Swiss Colony OVER A MONTH AGO. About a week later, I received a letter from them, telling me to remit a 25% down payment. The letter stated I could remit payment by debit card or check, so I sent a check. The check cleared my bank account on 12/4/2013, yet I received a letter around 12/10 stating that Swiss Colony was holding my order for 25 days for "check verification". I contacted Swiss Colony and was told if I submitted proof that the check had cleared, they would send my order out in 24 hours. I submitted a copy of my bank statement along with a front and back copy of the check that Swiss Colony deposited. The issue is that I placed the order with plenty of time to receive Christmas gifts for my family and I have jumped through all the hoops they have asked of me. I am disable and have no other means to go out and replace these Christmas gifts I ordered from Swiss Colony. On their web page, it clearly says that if orders are not received by 12/16 that they will not be received by Christmas. Then I get a weird phone call questioning me about some other people who live in my building placing Swiss Colony orders, which I know absolutely nothing about and does not even concern me. I have no means to rush out and buy other Christmas gifts, had I known a month ago, I could have done something different. It is pretty shady for Swiss Colony to NOT disclose the fact that a check will take 25 days to clear! That one little fact may mean the difference between a nice Christmas for my family or a huge disaster!Desired Settlement: I either need Swiss Colony to go ahead and ship my order and to ship it expedited so that it reaches my family in time for Christmas or I want my 25% downpayment refunded ASAP so that I have time to work something else out for Christmas. I am disabled and it is impossible for me to get around so I ordered my family's gifts online. I do not have time to order more Christmas gifts since it's only a few days from Christmas. I want my order shipped and shipped so that it reaches me in time. Had Swiss Colony not hidden the fact that paying by check would take 25 days to clear. They did not inform me of that fact until after I paid by check. The credit department said as soon as I submitted proof the check has cleared, that my order would be shipped out. Well, I have done everything they have asked and I need them to hold up their end of the deal. I just want my order or I want my money like NOW so I can work out something else.

Business

Response:

We received the

correspondence regarding your order #[redacted] placed 11/13/2013 via internet.

We are sorry for any disappointment regarding the shipment of your order.

Review: I had purchase 2 shirts value of $39.95 each & 1 blazer value of $69.95,I had returned the 2 shirts of 39.95 because it did not fit well but decided to stay witht he blazer. As I was trying to find out if they had credited me back I couldnt tell whether the payments were being reflected, so I had called to find out & they were telling me that I owe $118 for just the blazer and at the moment I disagree because I clearly saw the blazer was 69.95 why is it that now they are trying to make me pay 118 !?Desired Settlement: I am willing to pay the blazer that I kept which is 69.95 and then have them cancelled the card. I do not understand why they would charge 69.95 for the blazer and now say I owe 118 for it when clearly it was 69.95.

Business

Response:

We received the correspondence from

the Revdex.com concerning your orders #[redacted] for $131.85 and

#[redacted] for $50.90 both placed 2/10/2015. We apologize for any confusion

regarding your returns and consequent balance due.

When any or all orders are

processed, either via phone or internet, shipping and processing is included.

The information is clearly displayed prior to submitting your order. It is also

displayed when the confirmation and order acknowledgement are emailed.

Review: I ordered from this company the first time last Christmas because it seemed a good way to send gifts at the time, I was wrong. The food portions are extremely small and nothing special and highly over priced. I was embarrassed that I had shipped some to family that year as a gift. The first order was to come with a free shipment to me of Macadamia nuts, I never got them, I e-mailed them and they told me I would get them I still did not. I had thought about not paying the outrageous bill for this low rate product , but I did any way. And they keep billing me , and calling me , I sent a copy of all the records including the payment they received and processed and still they bill me a bit higher each month. They will not respond to my letters or documents at all. I guess my next move is an attorney.Desired Settlement: When I sent a check for the full amount I sent a letter that stated in accepting my check that my account to be closed and paid in full. That is all I want to see is a zero balance and stop calling or contacting me .

Business

Response:

We received the correspondence from the Revdex.com regarding your order #[redacted] placed 12/10/2013 via internet. We are sincerely sorry to hear that we have disappointed a first time customer.

Review: Account#[redacted]xxxx. I have disputed said account on numerous occasions without any validation or itemization of products per verification purposes. Also while in dispute account was still reporting to credit bureau which is an inappropriate act. Please delete from all credit bureau right away.Desired Settlement: Delete from credit reports

Business

Response:

Ms. [redacted] is disputing information that appears on her consumer credit report. Such a dispute is governed by the Fair Credit Reporting Act (“FCRA”). The FCRA does not include a requirement that she be provided an itemization or validation of the account. That requirement is under the Fair Debt Collections Practices Act. The opportunity to file a dispute under the FDCPA expired 30 days after Ms. [redacted] received the first communication regarding the debt from a collection agency. Seventh Avenue is not a collection agency, and the account was first referred to a third party collector in August of 2008.

Review: I sent the money order to Montgomery Ward and I called them about the order because they said they did not get the money order, but then they said they did the second time I called them. They said that they will not give me a refund because they do not have a record of getting it. I have sent a receipt of the money order and they are not doing anything about it.Desired Settlement: I want to get my refund back which was around 73 dollars. And a call from them also.

Business

Response:

We received the

correspondence from the Revdex.com regarding your order #[redacted] placed 11/22/14 via mail for $76.40. We apologize for any confusion regarding

your account status.

To date, we have no

record of receiving a money order in the amount of $76.40. We have reviewed our

images of checks from cash orders for $76.40 on our Montgomery Ward from

November 20th through December 12th and were unable to

locate this transaction in your name. We sincerely apologize when you called

12/11/2014 our representative had given the incorrect information that a money

order had been received. We have forwarded this information to the department

involved for additional action.

At this time, we

suggest you have the institution from which the money order was purchased put a

tracer on the original. If the money order was returned canceled, please have a

photo copy made of both the front and

back so we can properly adjust your account. If the money order has

not been cashed, please have them reissue a new one. You may fax any

information to [redacted] Attention: Credit Supervisor, or mail a copy of the

information to Montgomery Ward, Attention: Credit Supervisor,

Review: I made all my payments. Montgomery wards customer service, Jeep calling me all hours of day and night. They send my account to collects and I have proof all my receipt. They say I haven't paid since January and that's a lie. My last payment was first week of may.Desired Settlement: They can pay my balance off and I will never order from them again. And I want them to stop freaking calling me

Business

Response:

Montgomery Ward’s records indicate Ms. [redacted] made a purchase that was posted to her credit account on December 23, 2015. The first payment of $20 on her account was due on or before January 25, 2016. No payment was received by the due date. As a result, a billing statement was prepared on or about January 27, 2016 that reflected a Minimum Amount Due of $40 (the past due payment plus the scheduled payment for February).

A payment of $25 was received and posted to her account on February 2, 2016, leaving an additional payment of $15 due on or before February 25, 2016. Again, the required payment was not received by the due date. A payment of $20 was received on March 5, 2016, leaving an additional $25 due on or before March 25, 2016 (Ms. [redacted] made a second purchase in February that increased her scheduled payment to $25). The required payment was not received by the due date and, once again, a statement was sent to Ms. [redacted] indicating the need to pay the current payment and the past due amount. No payment was received and, as a result, on or about April 27, 2016, a statement was sent to Ms. [redacted] indicating a Minimum Amount Due of $70, consisting of a past due payments totaling $45 and the current payment of $25.

As a courtesy to Ms. [redacted], Montgomery Ward has credited her account to remove two late payment fees. This adjustment will appear on her next monthly billing statement.

Further, Montgomery Ward will cease calling Ms. [redacted] regarding the collection of her account. However, the balance remains due and payable. Ms. [redacted] should be aware that failure to pay the outstanding balance will result in the assessment of finance charges and late payments fees and may result in other adverse consequences.

Review: I opened an account with this company in November 2012. I paid as contracted up until July of this year. I have come to find out that there is another account opened in March with the same company in my name. The company has told me that I created this account when I went on to place an order. I can't figure out how this happened and the company is of no help. I have repeatedly requested statements from this company regarding both accounts and have not received anything. They are saying that I am late on the one account (that I did not know existed) and are trying to charge me a large amount. They went on their own and "combined these accounts". I have tried to debate the issue but they are not willing to work with me. I do not feel this is a fair practice and I don't know how I got two accounts. In addition they continue to have my address incorrect although I opened the account with my current address and have repeatedly given them my current address. They have pulled information from a previous request for credit years ago (and denied). I spoke with them again today and requested statements and again updated my address. I am frustrated with this issue and want it resolved. I do not think that I should be held accountable for their mistake. I should have been sent a letter indicating another account was opened and if it was even me. I mean really who opens two accounts with the same company for the same products. I am willing to pay for what I owe but I am not paying for the accrued interest or late fees on an account I did not authorize.Desired Settlement: I want the account adjusted to reflect a true amount. I have closed this account and am willing to pay for the items that I purchased. I do not think I should pay for their mistakes. When they come up with the right amount and no penalty fees I will be happy to send them payment in full to close this account.Account I opened: [redacted]Account that has replaced account I opened:[redacted]xxx-xx-xxxx

Business

Response:

[redacted] opened a Country Door credit account in November of 2012. In March of 2013 an second credit account was inadvertently opened in her name. Country Door discovered this error in May of 2013 and transferred the remaining balance to [redacted] existing account. [redacted] incurred some late payment fees on her original account during the time both accounts were open. Country Door has credited [redacted] account to remove all late payment fees that have been assessed on her account. This adjustment will appear on her next monthly billing statement.

Review: My husband and myself received an invoice from Seventh Avenue ( we have never heard of them)--saying that we owed them $387 for merchandise that was sent to someone in Texas. My husband called the company, stating we have never called you, we have no account with you. They told him he would need to fill out a FTC form..and he could call call the police and let them know too. We thought the company was a scam and when they mailed the FTC form we threw it away. We received another invoice. I called the company. Stated again...we have never called them. I asked how someone gets an account. They stated with a name/address...if credit score is good they open an account. They had not received any SS#, or banking info in order to ship material to this lady in Texas. I asked tem to research what happened with this. They again said, sorry your credit score will be affected unless you fill out the FTC forms.Desired Settlement: We would like the company to be contacted and have this resolved at the company level. We do not want any changes to our credit report for something we did not do. Also, the company needs to change their practice and include more banking information before opening accounts for people. Anyone can give a name and address. This does not make sense.

Business

Response:

Seventh Avenue has determined that Mr. Green is not responsible for payment of the order placed in his name. Seventh Avenue will request deletion of the credit inquiry associated with this order. No other information has been or will be furnished to the consumer reporting agencies regarding this matter.

Review: In December I ordered ( Swiss Colony Order Confirmation (#[redacted] several items on line from:

The Swiss Colony 1112 7th Ave.Monroe, WI 53566-1364 When I received my merchandise, one of the packages had been opened and anitem had been removed. The item in question is: Gift AC221, a 2 pound fruit cake in the amount of $27.95. Over the course of a two weeks I sent a tpotal of 4 e-mail messages (copies available on request) indicating I had nt receivedthe above item. These messages went un nswered. In fact they were not recognized at all.On my last mesage asking for the e-mail address for the Company's CEO did I finally get a response. I was informed tht I would have to contact the CEO usingthe US Postal Service. I was also informed if I had a problem to inidcate by responig to the same message. I indicated but so far I have been avoided. All I want if for The Swiss Colony to adjust my bill and indicate the amount of $27.95 has ben removed from my bill and I will not be responsible for it. Thank you for your assistance. [redacted] Customer Account No: [redacted]Desired Settlement: see above complaint

Business

Response:

We received the correspondence

from the Revdex.com regarding your order #[redacted] placed via

internet on 12/13/13. We are sincerely sorry for the problems you experienced

with your order and subsequent attempts at

communication.

Review: August 11, 2014 I had registered my son at Ross Middle School and ordered 5 pol t-shirts and 4 pe uniforms. The total was $93.00. We did receive the shirts that day and he said we would get the pe uniforms the first week of school. He had given my son [redacted] one pe uniform. I have called and left several messages and I also emailed him as well. I do not get a response back from him at all. Since we cannot get ahold of him to get the other 2 pe uniforms we would just like our money back for them. He would not give him the one uniform unless he gave him the receipt, but I do have a copy of the check from my back on when it was cashed. So we would like our money back from him for the items we did not get.

Product_Or_Service: School UniformsDesired Settlement: DesiredSettlementID: Refund

Since we could not get a hold of him about the missing 2 uniforms we would like to get our money back for the items.

Business

Response:

Our research regarding Complaint #[redacted] from [redacted] finds she has most likely ordered from a catalog that carries a similar name, although spelled differently: called 1 Step Ahead with a web address of: [redacted]. Records indicate [redacted] is a part of our customer base, but has no active orders. We believe this was sent to us in error. Thank You, [redacted]Customer Service

Review: I use to have catalog accounts with Colony Brands and their affiliated companies (Ginnys, Grandpointe, Midnight Velvet, Monroe & Main, Montgomery Ward, &th Avenue and Throught the Country Door). I was irresponsible and was unable to pay them. All of my accounts ended up getting charged-off as of 09/2012. However, I was able to pay all balances in full to satisfy the debts. This year, I have mailed countless letters to Colony Brands asking them to forgive the charge-offs and as a sign of good-will, delete the negative marks from all credit reporting agencies. Not once have I received a response.

This year, I have been more responsible with my finances. These negative marks have made it diffiult for me to make an attempt to improve my credit. I would even like to restore my relationship with Colony Brands, if they can satisfy my request by making the good-will adjustments.Desired Settlement: Removal of negative items from credit reporting agencies.

Business

Response:

Please note that [redacted] has not filed a complaint. She has, instead, routed a request through the Revdex.com for Ginny’s, GrandPointe, Midnight Velvet, Monroe and Main, Montgomery Ward, 7th Avenue and Through the Country Door (“Companies”) to delete accurate information regarding her accounts from her consumer credit file.

Review: I have been purchasing products from the catalog Sevent Avenue for a year now I make my payments on time. I receive a catalog saying I have 4,000 credit. So I called to place an order for a Christmas gift. Haven't received it, I called today and apparently they cancelled my order without letting me know. They said I can't order anymore from them because I have too many issues. If I receive something damaged I'm going to return it. I refuse to pay for something that is defective, broken or simply not what I expected.Desired Settlement: Credit my bill for all issued I have had with his company.

Business

Response:

We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 12/18/2015 in the amount of $224.08. Every effort is made to provide the best service and highest quality possible. We are sorry you were disappointed the 8 Stitch Sewing Machine did not ship for Christmas. Unfortunately, after the order processed it was determined our concerns with prior orders, numerous replacements and adjustments stopped the order from shipping and a letter was mailed. The order was not billed to your account.

Review: I started getting harassing phone calls ,and letters in the mail for a debt to be collected after I applied for a credit account awaiting a decision with their partner company Montgomerywards.com.They won't acknowledge that some one in the credit department mixed up my sister's and my information.We have the same five letters in our first names and we live at the same address.My sister had prior accounts in her name and under her social number for. Collections.when I applied for credit they took her accounts with her account number and put it under my name and social.They asked when I phoned them did I use her catalog to place a order.No I responded I did not and it has nothing to do with a catalog I applied for credit with my own name and social security number.And some one at this company put her old account number under my name and social.when the the account was originally in her name and social number. Before I tried to get a account. This company has unethical practices and I want my name clear so that my credit report is not jeopardized for their misconduct .They are trying to hold me accountable for my sisters debts when she infact is responsible.One service rep even told me I would have to get my sister to give a statement she's going to take responsibility for all the accounts that had been opened in the pass .To get my name clear those accounts were in my sisters [redacted] name before some one put it underneath mine the collections calls and letters were in regards to her ref acct [redacted].But now this same account number is under my name and social and they don't want to change it back in her name saying they can't do that.so the harassing calls are now asking for my name to collect a debt I never owed just tried to apply for credit and this whole mix up happen because of some ones mis hap.I did not even order any thing through Ginny's it was Montgomery wards but Ginny's keep harassing me for some one else's debt and wrong false information.Desired Settlement: I would like my name cleared and a stop to harassing calls and letters and for them to address the correct person in which the debt is to be collected,and an apology for the trouble,and to be reimburse for a notorized letter I have to go through the expense of getting for some thing they did wrong.

Business

Response:

Ginny's offers its apologies to [redacted] for the confusion regarding her sister's account. The information on the account has now been corrected.

Consumer

Response:

Review: I recieved my bill for Dec.from swiss colony and it stated new balance 30.85,which I paided in full on 12/03/2015. I CHECKED THEIR WEB SITE ON 12/04/2015 TO SEE IF MY PAYMENT WAS CREDITED TO MY ACCOUNT and they showed I stilled owed 16.90 which was on the bill I just paided on 12/03.

Business

Response:

On September 15, 2015, Mr. [redacted] placed an order with The Swiss Colony. As a previous buyer with Swiss Colony, Mr. [redacted] order was included in the company's deferred billing program. The program defers billing - and finance charges - until after the holidays for all orders placed from July 1 through December 31. Statements for any balance from previous purchases will list the deferred amount, but will not include that amount in the calculation of finance charges or the balance requiring payment. Mr. [redacted] November statement listed a balance of $30.85, which excluded the $16.90 on which payment was not currently due. Mr. [redacted] will be billed for the $16.90 on his first billing statement after 1/1/16, with a minimum payment due on or before his February due date. If he does not pay the balance in full or before his February due date finance charges will begin to accrue on any unpaid balance.

Consumer

Response:

Review: Ginny's catalog constantly sends me catalogs when I have requested them not to! On top of the annoying mail every time they send you a catalog they do a unauthorized pre approved credit check! It shows up on my credit report! I'am trying to clean up my credit and this is not helping it! How do these catalog companies get by with this? I want this stoped. I have requested this 3 times and they keep sending me catalogs and keep doing pre approval credit checks and I have never ordered from them before !Desired Settlement: No more pre approved credit checks and no more pre approved catalogs from these mail order catalogs!

Business

Response:

We have received the correspondence from the Revdex.com in regards to your concerns of receiving catalogs. We apologize for any inconvenience you may have experienced. Currently our records indicate two promotional listings under your name. We have a PO Box listing with full name and middle initial. We also have a shortened first name with no initial and a physical address. This could explain why you have continued to receive catalogs. Every effort will be made to prevent any recurrence. Per your request, we have removed both listings from our mailing file. However, since some catalogs are already pre-positioned for distribution, please discard any additional mailings you may receive in the next few weeks.

Review: I have purchased items from this conglomerate for many years with no problem. I received defective merchandise (vacuum cleaner) which was agreed upon that I would receive a 50% discount and the account would be closed on June 12, 2015 with Becky Hine, Supervisor, via telephone. There was $7.29 to be written off in the NEXT billing cycle but was 'turned over' again and again resulting in late fees and interest. I told them after approx. 2 hours of telephone calls that I am not responsible for any more debt on this account. AND, I will not file an additional complaint separate from this regarding a similar situation with Miles Kimball, P. O. Box 2860, Monroe, WI. The major difference here is that they refused to stop shipping on an order that was cancelled and retuned this past summer of 2015. I had to pay shipping and I requested re-imbursement from the C.E.O., who has never replied. They started accepting payments, then saying THEY declined them, charging late fees and going in circles wasting hours of my time.Desired Settlement: I will not waste time from my job explaining this again and want both of these accounts closed with a zero balance. I want to be removed from ALL of their mailing lists. I will pay the two other accounts, Ginny's and Walter Drake unless they begin using the same unfair tactics.

Business

Response:

Home at Five offers its apologies to Ms. [redacted] for the confusion regarding her account. Discounts applied to her order reduced the balance in Ms. [redacted] account to $7.44, an amount that would ordinarily be written off. However, the agent that assisted Ms. [redacted] did not follow up to ensure that the account was reduced to a zero balance, and a late payment fee was assessed on the account shortly after the adjustments were made. Additional finance charges and late fees were subsequently assessed on the account.Home at Five has credited Ms. [redacted] account to a zero balance. Further, no adverse information has been furnished to a consumer reporting agency regarding her account.

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.

Regards,

First time ordering a pair of keds. And when they arrived, they were defective. For the price of them they should not have been. And when I returned them I received a bill for 7.95. For a return fee. That is no way to make business. I was truly disappointed in the service. And when I spoke to the customer service, they to were not polite and we're insistent that I pay. " truly Unbelievable". Well there's always Facebook.iI can share my thoughts.

Review: HOME@FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENTDesired Settlement: SEND A REQUEST TO EQUIFAX TO REMOVE THIS HARD INQUIRE ON MY CREDIT REPORT DATED FOR 04/28/2014

Business

Response:

A request to delete the inquiry was sent to the consumer reporting agencies on 9/18/15. Please note that this is a request - Home at five does not have the ability to compel the agency to the comply.

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.

Regards,

Review: I ordered several items online, some of which were backordered. The first backorder was to be 5/2/14. The second time I was told the items were backordered to 5/26/14, which was fine with me. Unfortunately, I received my statement which included charges for the backordered items. I have never been billed for items until they are either shipped and/or received. I called customer service and was told that was their policy because "the payments were so small - $30" and that they wanted to inform me of the amount of credit I had available. I told them I know what credit was available and that they did not need to charge me for something that had not yet been received. I told them that if they were still going to charge me they could just cancel the order and I would do my shopping elsewhere. The lady on the phone told me (after conferring with someone while I was on hold) that this was their policy and they would continue billing me for the items even though they were backordered and that they would not bill me for interest until I actually receive the items. I told her to cancel my order and that since there were already two back-order dates, by the time I finally receive the items, there was a possibility of already paying for the items. There could be another backorder date. I told her it was my intent to send payments of $75 or $100 - not the minimum of $30. I doubt very seriously that I will continue doing business with this company based solely on their billing procedures. While they have very nice products, their billing practices are nothing with which I am familiar and they should be stopped from billing customers for items not yet received and/or shipped. It is appalling that they do business in this way. They are the only company - from all of their sister companies - that have billed me in this manner. I was told by the lady on the phone that my account would be credited no sooner than my next billing cycle - which is ridiculous.Desired Settlement: I want them to stop billing the way they do. I want a credit to my account immediately - not on my next billing cycle - and I want an apology for their unfair and, in my opinion - illegal way - of billing customers for items not yet received. Companies should not be allowed to bill however they please. They should bill accordingly for items shipped and/or received - and NOT BILL CUSTOMERS FOR ITEMS THAT ARE BACKORDERED!

Business

Response:

Country Door did not ask Ms. [redacted] to pay for items that had not been shipped. Billing statements include the full amount of the order so that a customer's available credit limit will accurately reflect their remaining open to buy. However, statements that include unshipped merchandise in the total include the following message:

YOUR ACCOUNT BALANCE INCLUDES $XX.XX OF UNSHIPPED MERCHANDISE. YOU WILL NOT BE BILLED OR CHARGED INTEREST FOR THIS AMOUNT UNTIL IT IS SHIPPED.

Customers are expected to make at least the minimum monthly payment on any portion of their order that has shipped. In Ms. [redacted] case, approximately $180 of merchandise was shipped, significantly more than her monthly payment amount. Finally, in the event Ms. [redacted] paid for the shipped merchandise in its entirety, Country Door would have stopped billing the account until the remaining merchandise was shipped or canceled.

Consumer

Response: