Colony Brands, Inc.

Review: They have an ad or advertisement of a [redacted] cookware set which states with a rebate that makes the total price of the set only $99.00 after rebate. Robins Egg Blue - order item # SC [redacted].

Received a letter from the Rebate Service Center which said or stated what to do to get my rebate money from them - which I never rec a letter - nothing. Montgomery Ward said it would come from them and not Montgomery Ward. So still about 3 - months later, still no rebate monies - nothing. Plus Montgomery Ward says that I still owe $136.75. / min payment only should be $20.00.Desired Settlement: They just send me bill for only $10.00 and taxes on the $99 00 some what not no $136.75 yet owed. I did all that the rebate letter said to do which was sent to them checked-off what I had to send / so I did do as they said for me to do. I am dis-abled and cannot work. I just don't like or appreciate them to jack people around like they are doing (to them). It should be about paid off already pd. out.

The rebate service center # [redacted]

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed by phone on

10/23/2013. We sincerely apologize for any inconvenience you have experienced

with the rebate offer for the 15-piece Speckled Porcelain Cookware Set by [redacted]

Rebates are fulfilled by a third

party. The rebate form, which is sent or can be printed from our website,

requires the buyer to fill out name, address, and email address (if available).

It also requests the buyer send an original or legible copy of the order

confirmation acknowledgement or packing list and the original PLN or UPC Code

from the product packaging. The rebate form and additional information can then

be sent to Promotion [redacted], [redacted] $30 Mail-In Rebate, [redacted] w:st="on">[redacted]. The rebate form states:

“All rebate checks will be paid in U.S. dollars. Sponsor is not responsible for

lost, late, damaged, illegible, misdirected, or postage-due submissions. Please

allow 8-10 weeks for processing from the time your submission is received. Keep

copies of all material submitted for your records.”

Montgomery Ward is not able to

obtain or provide status information about product rebates, therefore, it is

unknown if your rebate check is still on the way. You may inquire about the

status of your rebate by visiting [redacted] or by calling

[redacted], as stated on the form.

A phone call was received by

Customer Service 1/28/14 during which a credit of $30 was issued to your account

as a courtesy for the trouble you had experienced. Your current account balance

is $76.02.

Your order was placed on our credit

plan which does offer low monthly payments. According to our records, your

minimum payment is $20.00 and is due by the fifth of each month. Terms and

conditions of the credit plan can be found in your catalog on the back side of

the center order form or on our website.

We regret any disappointment caused

by this experience, but appreciate the opportunity to explain. We hope you will

give us another chance to serve you better in the

future.

Review: I placed an order by phone then called back and canceled the order because it would not fit by the dimensions. I spoke to customer service and the order was canceled the next day it did not ship out it was just being processed at that time it was canceled. I spoke to the credit department on March 19th, to Logan and was told my money of $126.00 dollars would be refunded back to my credit card within 24 to 48hours. By Friday March 21st, I called back to the Credit Department and spoke with Lisa, she told me the same thing that my refund of $126.00 dollars would be placed back on my credit card within 24 to 48 hours since the order was canceled and never shipped out. Today is March 26th, my refund of $126.00 dollars is not back on my card so I called Ginny's credit department again to get a status on my refund. The first guy Marcus got smart with me on the phone and told me he would not speak to me because the order was in my fathers name. I told I was the person who placed the order and gave him all the information he refused to assist me when I paid for the order and had placed the order to send to my father. I asked for a supervisor he placed me on hold and never came back. I had to call back again and all of this took another 20 minutes just to get someone on the phone. It seemed strange that the person in Credit came on the phone and told me her name was Alana.I explained to her what I needed and asked for a supervisor when she told me it would take 3 to 5 days to get my money back because the credit refund was never processed. I ask for the supervisor again, she placed me on hold for over 9 minutes came back and told me a supervisor by the name of Cindy would help me. She placed me on hold again for 5 minutes, came back and said that Cindy had to run out so JED another supervisor would help me. After 5 minutes JED comes on the line he said my refund would be 3 to 5 days and they could not expedite my request it would go to the bottom of the list. I feel like there is something wrong here.Desired Settlement: I should not have to wait another 3 to 5 days for my refund from over 6 days ago when it was suppose to be processed the first time I called and canceled the order. I want someone in the Executive office to contact their credit department and immediately refund my $126.00 back to my credit card. Better training is also needed in their credit department I believe their employees are playing around with customers on the phone and not acting professional.

Business

Response:

We received the correspondence from the Revdex.com regarding a down payment refund. We are truly sorry for any inconvenience or disappointment you may have experienced. Per our records, the account and order information is under your Fathers name. We value our customer’s privacy and hold true to the [redacted]. We apologize if this is a limited response due to these concerns.

Review: I ordered two products from the Swiss Colony back in September 2013. They were for my son and nephew on their birthday in October 2013; however, I received two of the brownies and one of the other. I called The Swiss Colony and explained what I had received. The young lady stated to disregard the second order of brownies and do not send it back. I received a bill for all three products and I started calling on February 3rd 2014. My first bill came out at the end of January. Here are the times I called. 2-28-2014 at 3:50 pm. 3-11-2014 at 3:37 pm. 3-17-2014 at 4:15 pm. 3-17-2014 at 9:34 pm. All of these times I was on hold waiting for the credit department. On the 3-23-2014 I talked to a gentleman and he did apologize and said that the credit department was closed. On the 3-24 at 4:20 pm I spoke with Karen and she checked my account and informed me that I ordered by mail and online. If that was the case I would have received two of both. Finally in April 3rd 2014 at 3:29 pm I spoke with someone named Crystal and I was informed they will credit my account and to look for a new bill. I received my new bill and paid for the amount they were requesting. I received my next bill in May 2013 and my new due date is June 10th 2014. I am receiving harassing phone calls from the company at least 3 times a week. I asked them to cease and desist but they refuse to stop calling. I explained to them I have paid and they stated that they see where I have paid but continue to harass me.Desired Settlement: Stop calling me

Business

Response:

We received your correspondence from

the Revdex.com regarding orders #[redacted] and [redacted]. We apologize

for any confusion regarding the placement of these orders and the subsequent

billing issues.

Our records indicate that order

#[redacted] was received by mail on 9/26/13. It consisted of one order of Supreme

Brownie Sandwiches, a Pumpkin Coffee Cake, and a free Chocolate Collection in

Chris Mouse Tin. Subsequently, an order acknowledgement was sent by email

9/27/13. On the same day a similar order was received via internet. Order

#[redacted] contained the Supreme Brownie Sandwiches and Pumpkin Coffee Cake, but

did not include the free gift. An acknowledgement of this order was sent by

email 9/28/13.

A request was received via internet

10/5/14 to cancel the Pumpkin Coffee Cake from the mail order. A credit of

$24.95 was issued 10/6/13. The remaining order balance was $28.90 ($19.95 for

the Supreme Brownie Sandwiches + $8.95 shipping and processing). As a courtesy,

we have made an adjustment for the shipping and processing on this

order.

Records confirm the numerous times

you called regarding your bill. We regret that your concerns were not promptly

resolved. Credit of $40.90 was issued 4/3/14 for the duplicate order, however,

shipping and processing of $12.95 remained. This amount was credited

5/28/14.

Account records show a single

payment of $18.38 received 5/9/14. Finance charges also accrue each month your

account carries a balance. The remaining balance of $1.57 owed for the Supreme

Brownie Sandwiches, as well as any finance charges, has been written off to

bring your account to a zero balance. Consequently, all debt collection calls

will cease.

We hope this information has been

helpful. We appreciate the opportunity to explain. Sincerly, Swiss Colony

Review: I ordered a item from this company, months ago. And when I received it, the item was very poor. To which it was advertised. I sent it back and I do not have the item. The company did receive it, I had a conformation e-mail when they did get it. Now I'm getting a past due bill from them months after the fact. Of $37.58. I do not understand why they are sending me a bill. When they have the item in their possession. I do not have this item. But yet I'm getting a bill.Desired Settlement: I don't have the item. So, therefor I would like this overdue statement cleared off my account.

Business

Response:

We received your correspondence from the RevDex.com regarding order #[redacted] placed via internet 1/30/2014. We are sorry for

any confusion regarding our return policies.

Our guarantee states “If any item, for any reason, does

not meet your expectations, just return it to us. We’ll gladly refund your

merchandise amount, credit your account, or send a replacement (if available).

Your complete satisfaction is guaranteed!” It is a standard practice in the

catalog industry that the customer is responsible for any return postage if an

item is returned because the customer changed his or her mind; the item didn’t

fit or was not as expected.

The balance on your account reflects original shipping

and processing of $23.95 and applicable finance charges and late fees. Our

records indicate that statements were issued monthly since 2/12/14. As of

today’s date no payment has been received. As a one-time courtesy, we have credited the

remaining shipping and processing charge. The late charges and finance charges

will also be removed bringing your account to a zero balance. Please allow 24 to

48 hours for these changes to reflect on your account.

We hope this information has been helpful. We appreciate

the opportunity to explain.

Review: Business failed to follow through on agreement and provide "pay for deletion " after debt was paid in full. Item is still listed and affecting my credit report.Desired Settlement: Deletion from my credit report as agreed.

Business

Response:

Ginny's does not offer or accept deletion of account information in exchange for payment of a delinquent account. Ms. [redacted] account was charged off as a loss in July of 2009. When she paid the account in full in November of 2012 the status of the account was updated to reflect the pay off. The information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the account.

Nonetheless, under the circumstances and given the small balance on the account. Ginny's has elected to request deletion of the account information from Ms. [redacted] credit file. Please note that this change may take up to 30 days to appear on a consumer credit report.

Review: I have repeatedly disputed two negative accounts from the Colony Inc companies (Through the Country Door and Ginny's) for illegally reporting negative information for unauthorized orders made by a minor that was visiting my home at the time.

The minor was given my credit cards to use for toiletries/food but also chose to use the gift store charge accounts online for the aforementioned companies. They made unauthories orders and then only one or two payments using my credit card. I retrieved my card when they left and they forgot about the purchases.

They didn't have permission to sign into my account (was was prepopulated with my password) and purchase from either company. I only found about about the charges after I checked my credit report and saw the negative entries.

At first I decided to offer to pay a reduced fee for deletion of the negative entries.

That was refused. I was given a higher amount and it was also stated that the negative entry/account would not be deleted.

At that point I contacted a law firm and was told that I was not liable for unauthorized charges.

I filed disputes for the charges and Through The Country Door and Ginny's sent me an Identity Theft report. During this time I also contacted the FCC via phone regarding Identity Theft. I was informed by a rep at the FCC that what occured was NOT Identity Theft it was Unauthorized charges and in my case filing out an Identity Theft report would not be appropriate. They told me to contact the creditor and to get them to take the charges off as they were unauthorized.

So, I contacted both companies (TTCD and Ginny's) and informed them of what I'd learned via the FCC.

The reps were trying to force/encourage me to fill out the form anyway because it would make things easier for THEM. I told them that they were not above the law and that I wasn't going to do anything illegal or unethical. They refused to delete the accounts/negative info.

They then sent me a letter offering a large (50%) reduction but the account would be listed as a partially paid COLLECTION. That negative information would still effect my credit for 5+ years. That is unacceptible for something I am not liable for.

I filed several disputes but the Credit Bureaus didn't read/investigate. The automatic confirmation of illegal, inaccurate information and subsequent block of me being able to dispute the entries has been extremely frustrating.

I need help getting the negative information deleted from both accounts.Desired Settlement: Deletion of any and all negative information associated with the two accounts (Ginny's and Through the Country Door). This includes removing the unauthorized charges, late payments and any collection or information associated with those charges. The accounts would not show any charges be listed as paid as agreed, always current/no lates, and closed.

Business

Response:

Both of Ms. [redacted]' accounts were opened in June of 2013. The billing address on the accounts when they were opened was 1636 1/2 S. Orange Dr., Los Angeles, CA. Monthly billing statements and collection notices were mailed to the same address. Both companies made regular attempts to contact Ms. [redacted] by telephone seeking payment of the account. Despite these numerous attempts to contact her, Ms. [redacted] alleges that she did not learn of the accounts until she saw them on her consumer credit report. Ms. [redacted] is correct that consumers are not responsible for unauthorized charges - provided they promptly report the unauthorized charges to the issuer. Ms. [redacted] had ample opportunity to dispute the charges at any time during the period in which she received billing statements, collection notices and telephone calls regarding the account. She failed to do so. It is the position of Country Door and Ginny's that their is a reasonable basis to believe that the accounts belong to Ms. [redacted] and that she is responsible for payment of the balances.

Consumer

Response:

Review: I placed an order with these people on a preapproved catalog for 400 which has been my normal credit line with these people for years.Ive paid them perfectly the whole time and for the last 3 days I kept calling them and they kept only saying they would redo the order and it would be shipped the next day not one time did they tell me they were giving me the credit that ive always had and the credit THEIR catalog says im preapproved for I expected a small downpayment ive always had one but was just informed they will not honor whats they advertise to me now they want it paid in full so its to late for me to get it elsewhere my family's going out of town so they lied and mislead me and they need to be held accountable for their terrible business practices?Desired Settlement: they should show on the Revdex.com a deregatory remark for the way they do business they send out preapproved credit books and dont honor them then they mislead you in their phone conversations instead of being honest about how they treat their customers I want a deregatory remark left on their report stating that they do this behavior now thanks to them half my family isnt getting a christmas but they say they family run yeah ok

Business

Response:

Ms.[redacted] has established accounts with Swiss Colony affiliates Ginny's and Montgomery Ward. Ms. [redacted] placed an order with Ginny's in July that exceeded her available credit limit. Ginny's requested a copy of her consumer credit report to determine if additional credit could be extended to her. In response, Ginny's received the following:FRAUD VICTIM EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRAGinny's informed Ms. [redacted] by mail that additional credit could not be extended unless she contacted the company regarding the order. Ms. [redacted] placed also an order with Montgomery Ward in July and received the same message. There is no indication Ms. [redacted] contacted either company to resolve the fraud alert. When Ms. [redacted] placed orders with Swiss Colony in December, the fraud alert remained in effect and she received the same message she had received previously. The letter specifically asks that she personally contact the company to resolve the consumer alert so that her order can be released. Ms. [redacted] did not contact Swiss Colony and the orders have not been released. Ms. [redacted]'s accounts have been closed in accordance with her request.

Consumer

Response:

I've now been receiving letters from Seventh Avenue for a few months, claiming I placed an order on their site and that the Credit dept would like me to pay amounts ranging from $100-500. I am a California resident and before receiving these letters I've never heard of Seventh Avenue.
I had to call them multiple times, for each letter to tell them it's a fraud at best or a scam at worst.
They told me they won't ship anything to me and that they flagged it, but they keep sending me new letters. They refused to stop sending me those letters which have been disruptive.

Review: I have received a bill from a company by the name Midnight Velvet who published a inquiry on my credit report, and pull my report without my consent, and also billed me for an unauthorized charge, that I did not make, which is on my credit report as a charge off. I have contacted this fraudulent company before 3 times in a row, and there was no response. I contacted the credit department and I was told that by customer service that someone will be giving me a call, but no one returned my phone call. I also have a fraud alert on my credit file, which stop other people from using my information.Desired Settlement: I would like for the company by the name of midnight velvet to take the charge off bill off my credit report, I did not make that charge, nor authorized it, if not taken off, the company will be sued for fraudulently billing me for an unauthorized, this matter should have been spoken with me before it hit my credit record, I have no charge offs on my credit report, this company is harassing me with a bill, or shipment that I did not received.

Business

Response:

Midnight Velvet received a dispute from Ms. [redacted] on February 20, 2014, alleging that someone used her personal information to open a Midnight Velvet credit account. In response to that dispute, Midnight Velvet mailed an identity theft affidavit to Ms. [redacted], seeking additional information concerning her allegation. As of this date Midnight Velvet has not received the completed, signed affidavit. Upon receipt of the affidavit Midnight Velvet will complete its investigation and inform Ms. [redacted] of the its determination.

Consumer

Response:

Review: opened a line of credit with Ginny's back in 2008. Had a charge off amount of 32.00 which was paid. The account is being reported closed on all three credit bureaus. A few months ago I received a catalog from Ginnys so I decided to check my account on line. My account from 2008 was still open with a credit line of 750.00 and a zero balance. I ordered a set of towels and paid the account in full a few days later. I called Ginnys and asked why they were reporting my account closed and charged off to the credit bureau. I asked them that if it was still open would they consider updating it to reflect a positive status. They told me no, they only report negative information. I disputed with the 3 major reporting companies, and the only updates that Ginnys gave them Transunion and Equifax was that the last payment received was now 7/2014. Account still being reported as closed and charged off which is untrue. I have sent Ginnys a FCRA 623 letter as of 8/11/2014. Should arrive by 8/14/2014.Desired Settlement: Would like negative tradeline removed from Transunion, Experian, and Equifax credit Bureaus. Ginny's has been reporting negative information on an account that is open and current.

Thank you!

Business

Response:

Ginny's has requested deletion of the account information from Ms. [redacted] credit file. This change may take 30-45 to appear on a consumer credit report.

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: I made a purchase online with a gift certificate- and when asked I had to supply my credit card number as well. The company charged my credit card rather than use the gift certificate that I had entered online. After several weeks of disputing this with the company, the credit my credit card and said they would apply the gift certificate to the balance.

Today I received a bill in the mail from them. Not only did they not apply the gift certificate they opened a line of credit in my name, in which I did not authorize. When I call their company to dispute this, I sit on hold for 30+ minutes and get passed to several different people.Desired Settlement: Use the gift certificate to pay the balance.

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 12/28/2014

online for $196.79. We sincerely apologize for any inconvenience you

experienced with the gift certificate redemption and consequent billing to your

credit card.

Our records indicate the gift

certificate was unable to be applied to your order, as it was canceled. When

this occurred, the order was billed to the card that was supplied. We regret we

are unable to divulge any additional information regarding this concern for

security purposes regarding another’s information. You may contact the

individual that gave you the gift certificate to verify this is what they had

requested. If any adjustments need to be made to the gift certificate, the

purchaser will need to contact us

toll free at [redacted] and we will gladly assist. We regret any

inconvenience, but appreciate the opportunity to explain. Sincerely, Ginny's

Consumer

Response:

Review: I called to dispute a revolving account that was opened in my name when I was 15/16 (account was opened in 2008) and after getting put on hold for 15 - 20 minutes I was hung up on.Desired Settlement: I want to get "my" account removed from their system, as this is having a negative affect on my credit reports.

Business

Response:

Seventh Avenue has investigated Mr. [redacted] claim and has coded the account as fraud. The account information should be removed from Mr. [redacted] consumer credit file in the next 30 days. Seventh Avenue offers Mr. [redacted] its apologies for any difficulty he experienced in reaching a customer service agent.

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: I recieved a statement in the mail from said business stating that I had ordered product from them and I was ordered by them to remitt payment in order to recieve what I had ordered. The statement did not detail what I had supposedly ordered. First of all, I have never heard of the company before and I hadn't "ordered" anything from them. I called them to find out if perhaps someone else had placed a false order using my personal information. I was given the run around. They weren't helpfull at all in trying to resolve or investigate the matter. They couldn't tell me anything. In fact they couldn't even tell me what I had supposedly ordered from them. I believe this company is dishonest and misleading and trying to scam people by sending them billing notices demanding payment for items they never even ordered. After getting no help when I asked them to investigate why charges were being made using my name, I asked to be removed from their computer database and also from their mailing list. My request was never affirmed. I was told that my only option was to contact my local police dept.Desired Settlement: I would like my name and personal information removed from their databases and not be contacted again by the business. I would also like them to discontinue misleading business conduct of false billing practices. Also, if someones personal information is used incorrectly they should investigate the incident properly and resolve the issue. They should also have safeguards in place not allowing just anyone to place orders for merchandise using someone elses name and/or personal information if that is the case.

Business

Response:

Montgomery Ward received an order in Mr. [redacted] name on May 27, 2015 that included a request for an extension of credit. The order included Mr. [redacted]'s personal information, including his home address and social security number. The shipping and billing address on the order were the same: [redacted] Montgomery Ward sent a request to Mr. [redacted] for a down payment of 50% of the order total before a credit account would be opened in his name. Mr. [redacted] received the request for a down payment and informed Montgomery Ward that he had not placed the order. Montgomery Ward has not shipped the merchandise or opened a credit account in Mr. [redacted]'s name. Nonetheless, Mr. [redacted] should be aware that someone used his personal information in an attempt to open a credit account and may wish to take precautions to prevent similar occurrences in the future. Mr. [redacted] was not on Montgomery Ward's mailing list prior to the order and is not on its mailing list now. Montgomery Ward will add Mr. [redacted]'s information to its fraud file to prevent any future orders from being processed.

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: I ordered some products through Seventh Avenue and used their Choose N Charge payment option. The very first time I used it I got an initial confirmation and then a week or so later I got a notice in the mail that the payment could not be processed. I made another attempt to pay it, this time I made two payments. Once again I got a letter stating that it could not be processed. I called emailed customer service about this problem. I had checked with my bank and there were more than enough funds to cover the payment. My bank also had no record of seventh avenue presenting anything for payment. I tried 2 or 3 more times to make a payment with the same outcome. Meanwhile, Seventh Avenue kept charging me last fees. I believe 3 $15 charges in all. I spoke with someone from the financial department and told them that I was just going to send in a money order for the full amount since for some reason they could not process my card. They said that they would wave the late fees when I sent in the full payment. I sent them the full payment (money order) almost two months ago. I received a bill last week still trying to collect the late fees that they said they would wave when I made the full payment. I have told them many times that I tried to make the payments on time in the first place. It was not my fault that for whatever reason they could not process my card. They never said it was for insufficient funds anyway so I am not sure what the problem was. I also told them that I would gladly send them a letter from my bank affirming that There were enough funds to cover the charges on the days I made payments and further show that no transactions were ever presented for payment by Seventh Avenue. I have held up to my end of the deal by paying the amount in full (minis fees) with a money order. They are still trying to collect fees that they promised to wave.Desired Settlement: I wish for them to remove the late fees from my account and set my balance at $0.

Business

Response:

Seventh Avenue has credited the account to remove two late payment fees and associated finance charges as a courtesy to Mr./Ms. Sanders. The account now has a zero balance. Seventh Avenue's records indicate all payments made on a card ending in 2731 were refused beginning on September 5, 2015. Payments made on other cards were accepted and posted to the account. Seventh Avenue notes that these were internet payments, made without intervention by any agent or representative of Seventh Avenue. Payments made online are submitted for processing automatically at or shortly after 5:00 p.m. each business day.

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: My name is [redacted]. I am submitting this claim to your attention due to the unfair business practices exercised by Seventh Avenue. Seventh Avenue does not contact the credit bureaus to see if the name of the person for which credit is being requested has some sort of protection where they are supposed to be informed whenever someone is applying for credit using their name. If they would have contacted one of the credit agencies they would have found that I had credit protection. I am filling on Monday an Identity Theft report with the City of Milwaukee Police. I am disputing a mail order item that was never ordered by me but by someone else who somehow obtained my personal information. On 3-10-14 I received a letter from Allied Data Corporation dated 2-28-14, indicating that they were attempting to settle an account (Account # [redacted]) on behalf of Seventh Avenue on the amount owed of $534.92.

I called Allied Data Corp. was informed that Seventh Avenue only that Seventh Avenue had referred the account to them for settlement. I contacted Seventh Avenue by phone on 3-10-14 and disputed the claim.

Seventh Avenue (Credit/Dispute Department) informed me that on 2-2012, someone had ordered from their magazine a “mini wireless keyboard” and that the value was $534.92.As per Seventh Avenue they do not have any signature for the person who received the package for it was sent via regular mail not UPS. As per [redacted] from the Credit/Dispute Department they never check with the credit bureaus when someone applies for credit with them. Seventh Avenue as well as the ID THIEF OR SUSPECT together they hurt my credit with their policy of not contacting the credit reporting agencies to find out if I had credit protection on my credit profile. When a person orders by mail they are applying for credit through that company, there are interests and financing to be paid, not much difference from a credit card. Credit card purchases or junk mail orders need to be held at same standard when it comes to preventing fraud. Seventh Avenue approves credit from left to right to anyone who fills out a purchase order without checking for fraudulent information. They need to be held accountable, indirectly hey are assisting the fraud problem.

I have had a postal box for more than ten years and I have never received any electronic equipment at my home address or my postal box. Allied Data Corp. sent me the collection letter to my P. O. Box and Seventh Avenue could have send me a letter to my P. O. Box the same way after a few missing payments instead of waiting two years to damage my credit. I would have appreciated to know earlier notification about this to initiate an investigation sooner.

I am willing to cooperate with law enforcement agencies in any way possible in locating and prosecuting the person who committed this fraud.Desired Settlement: DESIRED OUTCOMES

1- ADD STORE POLICY TO CONTACT CREDIT BUREAU AGENCIES PRIOR TO APPROVING CREDIT TO CONFIRM CREDIT PROTECTION AND PREVENT IDENTITY FRAUD ON MAIL ORDERS.

2- SET POLICY OF ESTABLISHING OR VERIFYING IDENTITY PRIOR TO REFERRING TO COLLECTION AGENCIES AND REPORTING TO CREDIT BUREAU.

3- NEED TO BE MORE PROACTIVE IN PREVENTING IDENTITY FRAUD. WE ALL LOSE IN THIS ISSUE.

Business

Response:

Seventh Avenue is awaiting receipt of Ms. [redacted] identity theft affidavit to conclude its investigation. Ms. [redacted] should note that she is not required to submit a police report. She may simply complete and return the signed identity theft affidavit for her claim to be reviewed.

Consumer

Response:

Review: I bought my grandson an MP3 player and it broke. I then sent it back asking for the credit to go back to my account. Which they didn't do and I am still being billed for a returned product. I have contacted them numerous times asking them to take care of the matter.Desired Settlement: I want the bills for this product to cease and desist due to the return of the product and would like my account to reflect the return and refund of credit of this product

Business

Response:

We received your

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

by phone 8/30/2013. We regret any confusion regarding the contents and billing

of this order.

Review: [redacted] made a purchase in Mar/2014. [redacted]' severe back injury has prevented him from working a FT job and has not been able to keep up with the monthly pymts. A couple payments were made and then June was the last pymt. Ginny's had sent a form letter asking what [redacted] intention for the pymt was. 'No intention of paying-send to collection agency' was the option that was ckd with the reasoning(as mentioned above).

Other threatening letters have been addressed to [redacted] as well; indicating collections.

Ginnys' calls DAILY and has submitted invoices since June charging $10 late fee for each statement.Desired Settlement: -Remove all late fees accessed since June/2014.

-Send balance (less late fees) to collection agency.

Business

Response:

Ginny's received written communication from Mr. [redacted] on October 4, 2014 in which he stated he could not pay the balance on his account. Ginny's made no further calls to Mr. [redacted] after receiving the written notice. The account has now been charged off as a loss and referred to a collection agency.

The late payment fees and finance charges assessed on the account were a) included in the disclosures provided to Mr. [redacted] at the time he opened his account and b) assessed in accordance with the laws of the state of Florida.

Finally, a review of Ginny's records indicates an average of one call attempt every four days.

Review: I ordered and received a Slim Book from Ginny's. After I got it it would not work very well so I packed it all back up and sent it back with the pre paid postage slip they sent me. A few weeks later they start calling and mailing saying I owe them $40.00 for shipping ?? I shipped it back to them I didn't keep anything. I talked to them on the phone and told them I am not going to pay for nothing not 40.00 to ship back their item that they gave me a postage free slip to mail it back.. Now they have added 10.93 more to the bill saying its past do. They are calling me sending treating letters saying they are going to mess up my credit and that they are going to charge me 10.00 extra for late fees until I pay them for a item I did not keep.. I feel this not fair to charge me and keep adding to the bill when I sent the item back on time . Can you please just stop them from bothering me?

Business

Response:

We received the correspondence from the Revdex.com regarding order #[redacted], which was placed 7/12/2014 via internet for the 7” Ultrabook. We are sorry for any confusion regarding your account balance.

Review: Item was bad when delivered. I called Seventh Avenue and they sent me complimentary return labels. I did as they said when the labels showed up. Put on box of item and dropped off at post office. Now three weeks later I have calls all hours night and day from collections. I have called Seventh Avenue Customer Service and was told they would note my account. Again a rude person from collections. Yelling at me because I refuse to pay for something I don't have. They then proceeded to call me a liar after I stated I was shipped a complimentary label. "You are lieng sir, If you didn't pay shipping and handling you didn't send the item back. So upset I call customer Service again. I got a person who was sick and mad at the world with the worst attitude. After getting No where with her I asked to speak with a manager. She put me on hold. After 46.38 minutes of holding time I hung up. Once again rude call from collections and continueing rude calls night and day from collections. I did my part. I sent the item back. It was no good. Why am I being punished for them sending out bad faulty product. Why am I being punished for being honest.Desired Settlement: I want an apology for being treated like I don't matter.

Business

Response:

We received your correspondence from the RevDex.com regarding order #[redacted] placed via internet 11/18/2014. We sincerely

apologize for the poor way in which your concerns were treated. Please be

assured it is not our practice to handle orders or customers in this

manner.

Our records indicate that we received a phone call

12/23/2014 letting us know that the item did not work. Complimentary return

labels were sent by mail 12/24/2014. Returns processing may take three to four

weeks from the date the returned item was shipped. Any payment due during this

time is the responsibility of the customer until return credit has been issued.

We have credited your account balance for the Electric Griddle by Black &

Decker. All collection calls will cease.

We regret any disappointment or distress this may have

caused you. We appreciate the opportunity to be of service. Sincerely, Seventh

Avenue

Review: I ordered a wig from Midnight Velvet that cost 78.90. When I received the merchandise it was very poor quality so I returned it using their return label per instructions. I have not had a previous account with this company so the wig was the first and only item I have ordered. I should have been charged for return postage on;y. Which was $6.00. Instead 3 weeks later I receive an invoice that states I was charged:0.95 interest charged;7.95 purchase/balance transfers. When I spoke to a customer rep on 6-22-15 to ask why I was being charged $22.85 I was told I was charged 13.00 and some change for postage and handling. However that amount does not show on my invoice. At that point I explained that I would make a customer review of the product ordered as well as report to the Revdex.com the exorbant charges for return postage. I asked them to CLOSE my account. I do NOT want to do further business with them so they have no reason to charge me intersts. I have not kept any merchandise of theirs so they should NOT be charging me any balance or transfer fees. My experience have demonstrated to me that the quality of their merchandise is poor based on the exorbant prices they charge customers. I want midnight velvet to waive the $22.85 fee they charged to my account. I want them to also CLOSE my account with a balance of Zero. I will pay the 6.00 for sending the wig back but, I should not be charged interest fee or finance fees because I sent the product back within a week. In all honesty with the inconvenience they I put me through I should not have to pay postage for returns. I was very disappointed in the quality of their product and ordered this for a special occasion that was ruined as a result.Desired Settlement: Close account with zero balance.

Business

Response:

We received the correspondence from the Revdex.com regarding your order #[redacted] placed via phone on 5/13/2015. We are sorry you were disappointed with the Kyra Wig.