Colony Brands, Inc.

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: [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.

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 received a catalog from Seventh Avenue in the mailbox. I happened to like the product ("Android-like" tablet for kids). Their details were pretty short. My both kids are profoundly Deaf. I bought 2 tablets for Christmas. On Christmas Day, they opened their presents. They were overexciting for it until they started to use the product. They instantly disliked it because there were no visible like animation or like arcade. This product was all about voice. I did return this product to Seventh Avenue's with my own expense for shipping. Then, on the next bill, they charged me for the shipping.

On their catalog's own advertisement, it was misleading. It convinced me to buy the product for the sake of my Deaf kids. I already paid my own money to return it to the company. Should I reimburse them my shipping expense? That's totally unfair.Desired Settlement: To waive the cost of shipping that they owe me is the main issue here. If not, should I get reimbursement for my outbound package from Seventh Avenue? I returned the package to Seventh Avenue last Winter. It will be no difference.

Business

Response:

We received your correspondence from

the Revdex.com regarding order #[redacted] placed by mail. We

apologize that the Smart Tablet did not meet your expectations and for any

confusion regarding our return policies.

Our knowledgeable Customer Service

team is available toll free at [redacted] Monday through Friday from 8:00 am

to midnight, Central Time, to answer any question regarding your order or our

products. We wish you had called us with any concerns regarding the Smart Tablet

or its return.

The

They advertised a magazine subscription which they charged for.Instead they sent a catalog of products which other businesses supply free of charge. We told them it should be free and that we did not want it. They ignored our request and demanded payment else the account would be sent to a collection agency.

Their last letter said:

Do not risk your opportunity to obtain credit in the future

We report negative information to the credit bureau.

We paid the $16.02 to get them off our backs.

The catalog should have been sent free as an add for their products and not charged for.

Midnight Velvet has charged me and placed my account with a collection agency for merchandise that they mailed to a years-old address and I never received! I told them what happened and they said OK, but continue to press me at my correct address that I gave them! Now collections! This company mails out merchandise without tracking numbers or even a signature required! I never ordered the missing items sent to the wrong address. When I used to use them many years ago I always paid them in full and on time. This is beyond ridiculous!

Review: I spoke with a representative about being charged late fees on top of late fees and we had established that it would be corrected and they would take off 4 payments of $15 which would be $60 dollars instead of honoring the agreement they only took off 3 payments $45 dollars off and I feel that the agreement was not honored in good faith. As I explained when I was contacted that the account was not mine until I found out who opened the account in my name, I explained that I would make payment of $50 dollars until it was paid off, I feel that the late payment fed should have stopped when I started making the payment instead they kept applying the late fee upon top of late fees and I spoke with the representative a second time about this and nothing has been done relating this matter and I'm still being charged late fees, I need help getting this matter resolved can you please help me. I'm on a fixed income I'm not rich help please. Respectfully [redacted]Desired Settlement: Adjust the 4 payments per the conversation that we discussed.

Business

Response:

Please provide the full account number to assist in verifying the correct account.

Review: I purchaed a loveseat in June 2015 put it together on July 5 th or 6th. While my daughter was sitting on the loveseat the back legs bent and broke. The loveseat fell back and my daughter could have been badly hurt. The company wants me to box up this loveseat which I no longer have the extra large box for and ship it back for a refund. This product was over $300 . My complaint is that I can't box this it to return and I don't wAnt another to replace it as it is cheaply made. I want a refund and they will not respond.Desired Settlement: I want a full refund for the cheap quality product they sold

Business

Response:

We received the correspondence from the Revdex.com regarding your order #[redacted] placed 5/22/2015 via internet for the Contrast Stitched Loveseat. We are sorry for any disappointment with the loveseat.

Review: I made an order with seventh avenue on march 15,2014 and on march17,2014 I paid for my order and it was for my daughter birthday the order was sent out by fedex and when it was time for delivering the merchandise the address was incorrect and fedex said that they contacted them by phone asking them to return the merchandise back to them.I called them to get more information about it and they still continued to tell me stories. I was really frustrated by now so I called back on march the 21,2014and spoken to a supervisor and they said that they didn't want to do with me so now I'm very upset about it I asked bout my refund and they said it was refund on the 21st of march and they lied I contacted my financial institution and they said that there was no refund put back in my account.they are holding up my money for no reason.Desired Settlement: They accused me of stealing ect that's why I'm asking for a apology by letter.

Business

Response:

Seventh Avenue offers its apologies to Ms. [redacted] if she found the conduct of any representative to be rude or condescending. Unfortunately, the fact remains that the address Ms. [redacted] listed as her home has been used by multiple individuals for the purpose of defrauding Seventh Avenue. As a result, Seventh Avenue will no longer ship merchandise to that address. Seventh Avenue regrets the necessity for this decision.

Seventh Avenue also offers its apologies for the delay in refunding Ms. [redacted]’s down payment. Seventh Avenue’s records indicate the credit to Ms. [redacted]’s card was processed on March 26, 2014.

Review: Purchased a Polaroid camera and on the package it clearly states a battery charger is included. Upon emails to the company they told me it was not included

and I must pay return shipping charges. Since this camera won't work I should not have to pay to return it.Desired Settlement: I feel they should furnish the pre paid label to return this product.

Business

Response:

We received the correspondence from

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

3/19/2014. We apologize that the Polaroid Digital Instant Camera did not meet

your expectations. Unfortunately our representatives did not review the

information properly in order to assist you.

The camera includes an AC adapter

which is plugged into a port on the left side of the camera near the SD card

slot. This appears to be the method by which the battery is charged. We

apologize if the adapter was missing from your accessories.

Our records indicate that a prepaid

label was emailed, as requested, on 3/30/2014. Please check both your email

inbox and spam folders for this correspondence. To ensure prepaid labels are

received, we are also sending them via US Postal Service. You may expect this

second set of labels to arrive in the next seven to ten business

days.

We regret any disappointment caused

by the way your order was handled. We hope you will give us another chance to

serve you better in the future. Sincerely, Ginny’s

Review: did a credit report chaeck without my consent and is effecting my credit scores called and explained nothing was done want it taken off attorney generals office says it is illeagalDesired Settlement: want it taken off all 3 off my credit reports credit reports states it only take s48 hours to do

Business

Response:

Seventh Avenue requested a copy of Mr. [redacted] consumer credit report in response to a consumer initiated credit transaction. Mr. [redacted] placed an order on July 28, along with a request for an extension of credit. Seventh Avenue had a permissible purpose for requesting a copy of Mr. [redacted] consumer credit report.

Review: I found out from the credit reporting bureaus Equifax, Trans Union and Experian that there was a negative account under Through the Country Door (Country Door) reporting as a charge off. Country Door has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I was never made aware of charge for $284 that was left unpaid, never received a bill. Tried numerous time to call Country Door to get information on this account, I was told I had to deal with a collection agency however to my knowledge this has never been sent to a collection agency. I have disputed this debt with all 3 credit agencies and it comes back verified. If that is the case, I want the proof mailed to my home address, I have the right to see the original contract and charges incurred. Everyone I have spoken to has no information for me other than saying to contact the other agency and they have no clue what I am talking about. I am seeking proof and I will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was incurred. It has also been re-aged as a new charge off to further affect my score. I have sent several letters, seeking this verification and to this date Country Door has failed to provide the information requested. I will seek legal action against this company for the practices if the issue isn't resolved immediately. Country Door has not provided the undersigned with any evidence to substantiate its claims that this debt is even a legitimate debt. Finally, I have received no information that Country Door currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Country Door possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 4 years and they have the right to collect this debt .

Until the above referenced documentation is provided, the undersigned's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Country Door shall immediately remove this account from all three (3) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.Desired Settlement: I want this negative information removed from Experian, Equifax and Transunion immediately because they have procided no proof to me of the debt and they also claim that they do not own the debt. I want this rectified or I will pursue this matter legally.

Business

Response:

Country Door’s records indicate Ms. [redacted] opened her

account in October of 2010. The only billing address used on the account since

it was opened is [redacted]. Monthly billing

statements were mailed to Ms. [redacted] attention at that address from November

of 2010 through April of 2012, when the account was charged off as a loss and

referred to a collection agency for recovery. Multiple payments were received in

response to the billing statements, with the last payment received Country Door

on August 1, 2011.

It is Country Door’s position that the account belongs to

Ms. [redacted] and that she is responsible for payment of the outstanding balance.

Country Door believes the information it has furnished to the consumer

reporting agencies accurately reflects the payment history and current status

of Ms. [redacted] account.

Consumer

Response:

Review: On 12/9/2014 I called Ginny's & asked to make my payment with a post-dated check. I gave all the info to the Cust. Service Rep. She read the info back to me to have the 3 checks put into my account on 12/27/2014; she gave me the conf. # for the 3 checks. I called my bank 2 days late & was told my account as overdrawn $82.00. I was told what the checks & amounts were & I immediately called the company. I talked to TAMMY in the credit dept. & I was told to fax over any info I had regarding my account & the amount that was taken out.( I faxed over all documents on 12/12/2014.) & at that time the money was redeposited into my account. My problem now is that I was charged $35.00 per check for overdraft fees. ( I have faxed over the statement from my bank for these fees. I have been told that 12/15/2014 all paperwork had been sent to a Credit Specialist for them to evaluate the situation. I have called 3 times & have been told it would take at least 1 week & to call back next Friday 12/26/2014. I live on a set income & had to borrow the money to put in my account to cover the overdraft fees. They know THEY made the mistake, otherwise, why would they credit my account the $82.00???? I am very upset with all the different answers I've been given & all I want is my $105.00. ( By the way, on 12/15/2014 I talked to a [redacted] & she checked to see if the fax had been received, YES. I was told the it would take 3-5 days to process the deposit back into my account. These people made the mistake & I'm paying for it. All I want is my money. PLEASE.Desired Settlement: I want the entire amount I was charged $105.00 for the overdraft fees to be put back into my account IMMEDIATELY. They messed up, not me. Hopefully you will be able to get this resolved because all I'm getting is runaround.

Consumer

Response:

They have settled this dispute

Review: I have placed three orders with this company starting in March 2014. I have contacted them four times via email regarding the quality of the merchandise. I have received a reply back each and every time with them telling me that I can receive a 25% discount for the items not being satisfactory. I accepted that offer and to date I have never received the credit from them. Every time I send them another message regarding the status they now fail to get back to me and resolve the issues. I am now receiving interest on these products. I've been paying $20.00 a month since April 2014 and the balance has not gone down at all. I'd like to be credited for the 25% discount on all three orders along with a credit of the interest I've incurred since April 2014.Desired Settlement: $200.00

Business

Response:

Our records indicate on 9/30/14 we received a Customer Review regarding your disappointment with the products you had received. We sent an email to you the same day asking if you would prefer a discount to keep the items or the option of receiving a prepaid mailing label to return at no charge. Unfortunately, there was no response to the email. Our system notes there were several internet inquiries (which means you viewed the order online). When we received the emails on 12/11, requesting the 25% discount on merchandise received, it was promptly issued for each of the four orders, in the amounts of $8.99, $37.49, 12.36 and $29.99. These will be reflected on your next statement. Our guarantee is listed on line under Customer Service/Help or on the order blank in the center of the catalog and states, “Satisfaction Guaranteed. Every product. Every day. All the time. You deserve worry –free shopping. If you’re not 100% satisfied with your purchase (at any time, for any reason) just return it. We’ll refund your merchandise amount, credit you account or issue a replacement. It’s that simple.” Finally, you were provided with the terms and conditions, including the applicable finance charge rate, at the time you opened your account. You were required to accept those terms and conditions in order to open your account. You can avoid any further finance charges by paying the full balance on your account on or before your next due date. You will not, however, receive a credit for any finance charges previously assessed; and finance charges will continue to be assessed for each billing cycle in which a balance remains on your account. Thank you for bringing this to our attention. We value our customers and look forward to serving you better in the future. Sincerely, Ginny’s

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. I do want to add that it took my sending a complaint to the Revdex.com for Ginny's to fulfill their obligation. I have sent them numerous emails regarding the adjustment to my account and never once did they reply back stating they will issue the credit until I made a complaint.

Review: They will not return my money that I ask for after I cancel my orderDesired Settlement: I want my money back

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 11/12/13 via

internet for $209.90. We sincerely apologize for any disappointment regarding

your order and refund.

Review: I order a Signature console and 5-Drawer Tall Multi-Color Storage Cart2 (2) total price $412.23 order number [redacted]. Feb.11 2015 so I contacted seventh avenue to see what the status was on my order 2 weeks later.. I had no prior contact in reference to my order. I was told that I was denied credit and that I would have to pay a deposit in order to get a line of credit. So, I agreed to pay a deposit which was half the amount due for the account. I submitted a check in the full amount of $260.12 I have wait from Feb. to March 11/2015 to get the products so today, I had to do a 3 way call over the phone with my bank to insure that the payment had been processed. I clearly have copy of the cleared check. I just want the money back immediately...this has been constant battle to get the product or the money. acct#[redacted] ch#[redacted] 2/19/15Desired Settlement: All my money bank

Business

Response:

Seventh

Avenue received an internet order from Ms. [redacted] on February 11, 2015 that

included a request for credit. Seventh Avenue requested a copy of Ms. [redacted]’s

consumer credit report in order to evaluate her creditworthiness. The report

Seventh Avenue received included an address discrepancy notice, indicating the

address provided by Ms. [redacted] did not match the address on file with the

consumer reporting agency. As a result of the notice, Ms. [redacted] was asked to

make a down payment equal to 50% of her order total before the order could be

released for shipment. Ms. [redacted] submitted a check on February 25, 2015.

However, the information on the check did not match the buyer information,

which further delayed the processing of Ms. [redacted]’s order. Ms. [redacted]

canceled her order on March 11, 2015. A refund of her down payment was

processed on March 13, 2015 and should be received by Ms. [redacted] within 5-7

days. Seventh Avenue regrets any inconvenience Ms. [redacted] may have

experienced as a result of this matter.

Review: I had an old account with Seventh Avenue and Midnight Velvet. Both of these went to a collection agency in which I made an agreement and settled the amounts with the 2 collection agencies. Seventh Avenue and Midnight Velvet are still reporting a balance on my credit report. I have disputed this with the credit bureaus but Midnight Velvet and Seventh Avenue confirmed with the credit bureaus that the amount owed is correct. This is not correct because I paid the amount with the collection agencies. I am trying to get a mortgage and I cant as long as this is showing that I have not taken care of these debts. This is ruining my chances of getting a home.Desired Settlement: Please update the amount owed on all my credit reports to 0 or delete the accounts from my credit reports.

Business

Response:

Seventh Avenue and Midnight Velvet will update the status of Ms. [redacted] account upon receipt of the remittances from the collection agencies handling the accounts. The companies will then include the updated account information in their regularly scheduled reporting to the consumer reporting agencies. If Ms. [redacted] has need of evidence that she settled the accounts she should contact the collection agencies directly and request letters of confirmation.

Consumer

Response:

Review: Return of Item

Montgomery Ward

3650 Milwaukee Street

Madison, WI 53714

Order Number: [redacted] I ordered a 3-piece diamond ring set. After I received the set I took it to two jewelers in Chicago. Both jewelers said the ring was not gold and had no diamond value as it was advertised.

I am returning this ring set within the 60 day return period.

Because the ring was not as advertised and has no value I do not think I should be charged $25.95 for shipping and processing fees.

I thought Montgomery Ward would have higher quality jewelry items and was very disappointed with this purchase.Desired Settlement: I would like to have the shipping and handling and processing fees refunded to my account.

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 11/10/2014 via

internet. We are truly sorry for any

disappointment with your order for the Diamond 3pc

Set.

Descriptions of our product in the

catalog and online reflect an accurate narrative of color, size and price. Item

information on the Diamond 3 pc Set shows: .15 CTTW, available only in 14K Gold

over Sterling Silver. If one hovers on Learn more about CTTW information

states: “CTTW is an abbreviation for carat total weight. It indicates combined

carat weight of all gemstones in a piece of jewelry. For example, a pendant set

with three gemstones, each weighing 1/3 carat, weighs approximately 1 CTTW.”

Supplemental information can be obtained by contacting Customer Service via

phone or email prior to any order being placed.

We regret any inconvenience this may

have caused, but appreciate the opportunity to stand behind our products. We

have, as a courtesy, credited your account for the shipping and processing of

$25.95, prior to the return of the Diamond 3pc Set. Customer satisfaction is of

the utmost importance and we are grateful for your understanding. Sincerely,

Review: This is a catolog company for which I have an account with for the past 9 months and have paid my balance every month on time every month for the past 9 months and have request a credit line increase in december 2015 and for the past three month have got the run around from this company.according to their aggrements and rules. A customer with a 6 month good on time record of good payment can recieve a credit line increase that all im asking for. I also have 7 other catolog credit card affiality with this company with a excellent payment history. I dont understand the problem. All imlooking for is simple yes or no to an credit line increase, it that simple. Please help me.Desired Settlement: A simple answer to a simple question can I have a credit line increase or not

Business

Response:

Home at Five apologizes for the delay on responding to

Mr. [redacted] request for a credit limit increase. Home at Five will also not

be increasing Mr. [redacted] credit limit. Please note, however that this

decision is not based on Mr. [redacted] credit or payment history, but on

planned changes to the Home at Five business. These changes are scheduled to be

announced on the Home at Five web site on February 24, 2016.

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.]thank for ur help all aII wass looking for yes or no. But now I understand why hestite so long it because they are shuting down their catolog company and merging with one of thier affiality Ginny's. They should have said that weeks ago or month ago and that would have better. But thank you anyways Hector Camacho

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: Identity theft-Ginny's sent a bill for $803 to my father for items he didn't purchase. merchandise was delivered to an unknown recipient in Las Vegas. A credit report was obtained without his permission. A police report has been filed with the Twin Falls ID police dept. (#[redacted]) and FTC has been notified.Desired Settlement: Notification that no further billing or harassment will be made and no resulting adverse credit attributed to him. Would like the state's Revdex.com to investigate the process which Ginny's obtains credit reports on individuals. It appears they do not follow federal regulations requiring that approval be granted for credit reports. This matter has caused much distress and has been very time consuming for the parties for whom this identity theft has occurred.

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.

My father, Art Duncan, received a letter from Ginny's on 1/26/15 which stated that they had determined that he did not place the order and his credit will not be impacted. It appears that the matter is moving in the right direction. Thank you, [redacted] Regards,