Colony Brands, Inc.

Review: I have never had an account with seventh avenue but this account is showing up on my credit report showing I owe $74 dollars, this is causing me stress and stopping me from getting approved for other credit items I desire. I have written several letters to company with no response but the debt has not been deleted from my credit file. I have asked for proof this account is mine with no response, therefore company cannot prove debt is mineDesired Settlement: This debt should be deleted from my credit file since I have never had an account with this company

Business

Response:

Due to the small balance involved, Seventh Avenue has elected to request deletion of the account information from Ms. [redacted] credit file without further investigation. Please note that this change may take 30-60 days 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.

Regards,

Review: Swiss Colony has billed me $10/month in late fees for an alleged missed payment back in March. When we reconciled our bank accounts, we discovered that we did attempt to make the payment, but due to miscommunication it was not administered. When a representative called us to discuss the payment, she said that she would speak with the bank about the payment and that she would follow up with us regardless of the decision. This was three months ago, and we have paid religiously since, but there was no follow-up call. Today I received a call from another representative about the missed payment and I attempted to make a payment to reconcile the account. Not only were both representatives rude and very discourteous (including one saying that "You can do what you want, you can call a lawyer," but they refused to take my payment even after I gave them my credit card information.

My son attempted to speak with them, and spoke to a supervisor named [redacted]. [redacted] mentioned that the payments could not be applied to previous months due to federal law (which we were not aware of despite 15 years of being a customer), and could not mention why $40 worth of late fees could not be removed from the account. He attempted to make a payment, but [redacted] insisted that despite our payment record, we would still owe the late fees. He also mentioned that because there was a late fee reversed (due to another Swiss Colony error involving applying a payment when we actually payed ahead of time) that he could not, and would not, attempt to resolve any of the late fees applied.Desired Settlement: I would like the $40 in late fees refunded to my account. These last calls have been very harassing and detrimental to my health. I have been forced into doctor visits because of aggravation of an existing illness that I've been dealing with for the past several months, and I have made Swiss Colony aware that they would be responsible for any medical bills that I incur.

Business

Response:

Swiss Colony’s records indicate a conversation on May 20 in which Ms. [redacted] stated she would check with her bank to see why the payment was not sent in March of 2014. Swiss Colony offers its apologies if that was not the impression she intended to impart and, more importantly, if the credit representative did not make it clear that that was their understanding.

Review: I discovered an account that is not mine, opened in Nov. of 2011, at an address that I last lived at in 2009. I disputed it with all three credit agencies and Grandpointe "verified" the account as correct. It is definitely not correct, so this was a lie and I believe they never looked into it even though they were asked to 4 times. (The fourth time was when I wrote a letter of dispute directly to them and they ignored it.) Their website lists an email address but when I tried to send an email to that address, it bounced back as invalid. I literally cannot contact them to straighten this out. So earlier today I filed complaints with both the FTC and my local police department. I don't know if they will be able to do anything or if they will actually contact Grandpointe. I know that you will, so I'm filing my final complaint with you. (Revdex.com). Thank you.

account # listed is: [redacted]...Desired Settlement: To have the tradeline removed from Experian, Equifax and TransUnion and any other place it is being reported. And a letter sent to me attesting to the fact that this has been done and that it will not just pop up again in the future.

Business

Response:

GrandPointe received the dispute Ms. [redacted] filed with Experian on June 5, 2014 and was in the process of investgating her allegation. At the time Ms. [redacted] filed the complaint a decision had been reached but she had not yet been informed. At my request the process was expedited and the account was coded as fraud. Ms. [redacted] should receive a letter in the next seven days informing her of the decision.

Consumer

Response:

Review: Country Doors sent a damaged money order back to me on April 2, 2014. I sent the money order to them on March 11, 2014 of $20.00. The money order was not damaged at all. There was a statement attached to the money order stating that I have to send a new order to them and that money order did not count. I contacted Country Door and spoke to two customer service people about the problem. They were disrespectful and rude. The situation was not resolved.

Another issue is that my bill remained at $95.25 which is not the correct amount. I am in dispute with this amount because I have paid $20.00 from April 2014 to June 2014. Everytime I get a bill eventhough I paid $20.00. So far I paid them $60.00. My balance should be $35.25.Desired Settlement: I want my monies that I paid to be deducted. I want my account to be straightened out.

Business

Response:

We received the correspondence from

the Revdex.com regarding your Country Door account.

Our sincere apologies for any

inconvenience with your money order payment in March of 2014. Every effort is

made to provide the best service and highest quality possible, although

sometimes circumstances are beyond our control. We regret we were unable to cash

the money order submitted in March, due to its condition upon receipt. It is a

rare occurrence for this to happen. Unfortunately, your account could not be

credited. Our only alternative was to return it to you so you would be able to

obtain a replacement.

You may return the damaged money

order to the facility where it was purchased and obtain a new one (take along

your copy and sales ticket). They will guide you through the brief

process.

Currently, we have placed your

account in dispute through 7/10/2014 and have credited the late charge from

5/13/14. This should allow sufficient time to complete this task. Our records

indicate payments received in 2014 are: 1/17 - $20, 2/18 - $20, 4/11 - $20, 5/16

- $20. We have also initiated a payment history to be sent via mail, you should

receive this information within the next seven to ten business

days.

We regret any disappointment you

encountered with our representatives for the inadequate assistance you received,

as this is not how we help solve our customer’s requests. We have forwarded this

information to supervision for further review.

We are sorry for any disappointment

and look forward to a satisfactory conclusion. Sincerely, Country

Door

Review: On 11/23/2014 I ordered from the Swiss Colony 2 products: [redacted] Ham and Swiss Cheese for $64.95 and [redacted] Jumbo Pop Corn for $39.95........I live in Pittsburg, Ca......and this order was for my nephew who lives in Clovis, Ca......The order was told to send it close to Christmas....and that was it.....They usually give me credit and I pay later starting the payments in January.....Everything was OK until I called my nephew to salute him and his family, this call was done the second week of Christmas and by then, my nephew said Thank-you for the chocolats that I sent....but I told him I didn't order Chocolates for them but the products mentioned above.....I ask him if he received the Ham and the Pop Corn, he told me no Ham no Pop Corn.....Instead he told me to have received 2 cheeses, 1 sausage and some fried potatoes covered with chocolate evidently the price of the good my nephew received were low in price on what I ordered, besides they didn't send the products close to christmas but like 2 weeks earlier.....May be they thought because I am far away from the place the product were going to arrive....I will never know the order they sent was totally different on what I ordered........they sent me a (they said) box of complimentary chocolates which I reorned when I knew what they did......I call by then and 2 more couple of times claiming the error but never anyone answered my claims.....Yesterday Saturday in the morning someone call me from there collecting the total of the original order but I told the lady, I sent a letter about this issue and nobody answer me but the call.....I am putting this claim with you because they want me to pay the total of the original order $104.90 plus something else which I don't know what is it because they are chargin $135.90 or something like that....I am not refusing to pay, I only want honesty in these people and an expalanation why they change the orders, without consulting me if I was going to agreed for the change or not and give the correct price of the cheeses they sent which I know are cheaper than what I ordered....I think they are not acting with ethics.....I feel unrespected for my own will.....

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 11/27/2014 via

mail for $131.84. You have been a valued customer over the years and we are

sincerely sorry for any disappointment.

Upon receipt of your order an

emailed order acknowledgement would have been received 11/28/14. We will be

sending a duplicate of the order acknowledgement to you via US Postal Service

for your review. Your order total was $104.90 plus the shipping and processing

of $26.94 totals $131.84. With the large quantity of orders shipped during the

short holiday season, we make shipping preparations well in advance to ensure

our customers and gift recipients receive the best possible service. In order to

keep our customers updated to the status of their order, communication via email

is valuable. Gifts selected for Christmas delivery are shipped any time after

December 5th to arrive between then and December 24th.

Your gifts shipped on 12/10/14, and an email shipping/tracking notice would

have been received 12/6/14.

We received an email on 12/15/2014

noting your gift recipient had received items not listed on your order. We

appreciate your bringing this to our attention. We regret an error must have

occurred at sometime during the shipping process. In our response to the email

it was asked if you wished to have a replacement sent or credit for the order.

Unfortunately, we never received a response, and are sorry we did not follow up

on the request. A replacement order of 2# Baby Swiss

Cheese and 3# Ham along with two Spring Popcorn Tins has been shipped to Enrique

Pena to arrive about 3/5/2015. (We are sending two tins of popcorn; as the

original Jumbo Christmas Tin was no longer available).

Your account currently reflects a

balance of $149.47, this includes finance charges and a late fee, as no payment

on account had been received when due by February 1st, 2015. We have

as a courtesy, credited the late fee of $15.00. Your payment of $30 due by

March 10th, 2015 would bring your account current. We regret any

disappointment, but appreciate the opportunity to explain. Sincerely, Swiss

Colony

Review: I ordered my son product code [redacted] was sent to him a week early and it was damged. I called c.s. and email servak times and still no one will help. I want a new product sent that was damged and they they still dont answer. I still waiting.Desired Settlement: I would like to have a replacement sent to him

Business

Response:

We received the correspondence from

the Revdex.com in regards to your order #[redacted] placed 11/23/2014

via internet. Every effort is made to provide the best service and highest

quality; unfortunately sometimes circumstances are beyond our control. We

apologize for any difficulties you experienced in your attempts to contact us.

We do our best to assist each and every customer in the most efficient and

timely manner possible.

Our records indicate when your email

was received, we called immediately on 12/20 to ask how best we could assist

you. We are sorry the gift was received damaged and a replacement was issued,

per your request. The 43 Holiday Favorites shipped Fed Ex two day delivery

12/22/2014 and should arrive before Christmas. Tracking information will be sent

via email. We regret any disappointment or inconvenience this may have caused,

and appreciate the opportunity to be of service. Sincerely, Swiss

Colony

Review: This company charged off a debt that went to collections when I filed for bankruptcy. They reported the charge off to [redacted], but continue to report the charge off every month since December 2009. This does not allow the information to be removed fro my report within the proper time frame. I have filed a complaint with the [redacted] after this company verified and maintains to [redacted] that they are reporting my debt correctly.Desired Settlement: Discontinue reporting the charge off to [redacted].

Business

Response:

Included in the information Midnight Velvet furnishes to the consumer reporting agencies is the date of first delinquency. It is the responsibility of the consumer reporting agencies to use the date of first delinquency to determine when account information is too old to be included in a consumer credit report. Midnight Velvet has provided the information needed for the agencies to correctly calculate the age of the account information and delete it when it is appropriate.

Review: This letter is being sent to a negative mark on ALL my credit reports. This a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that your office have reported invalidated information to the 3 major Credit Bureau’s ([redacted]) this action might constitute fraud under both Federal and State Laws. Due to this fact, you have exactly 30 days to remove any negative mark that is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by [redacted]. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. account number shown is [redacted]xxxxDesired Settlement: IMMEDIATE REMOVAL FROM ALL 3 CREDIT BUREAUS OR I WILL FILE SUIT IN SMALL CLAIMS COURT SWIFTLY

Business

Response:

Ms. [redacted] has a poor understanding of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Review: I received a catalog from Ginny's yesterday saying I had a 400.00 dollar choose and charge account that I could use. I placed an order for a little less that 400.00 and today they are telling me I need to pay half of the amount to proceed with the order.

I have spent over an hour trying to get ahold of someone to talk to. I spoke with a customer service agent after holding for about 20 minutes I was told that I was being transferred to a supervisor and after 40 minutes of waiting I hung up. It says alot about a business and how the customer service is if the supervisors are that busy that it takes that long to get to a supervisorDesired Settlement: I am sick of these companies that send advertisement etc out trying to get people to purchase from them and then waste their time ... if someone wants to buy from you they will look you up online etc. Dont waste peoples time it is poor business if you are hurting that bad you need to go out of business and based on your customer service and answering the phone that would be doing all of us a favor

Business

Response:

Ginny’s offers its apologies to [redacted] for the difficulty he experienced in speaking with a credit representative when he called on September 11, 2013. Ginny’s customer service attempted to contact [redacted] when an agent was available but they were unsuccessful.

I PURCHASE THREE PAIRS OF SHOES AND RETURNED ALL THREE PAIRS BECAUSE OF THE CHEMICAL SMELL. THEY CHARGE ME $40.85 FOR RETURNING THE SHOES. THIS IS WRONG BUYER BEWARE. THE SHOES HAS A LABEL WARNING YOU OF THE CHEMICAL IN THE SHOE. I WILL NEVER DO BUSINESS WITH THIS COMPANY

Review: This company has posted a collection account on my credit report. I am not aware of ever owing them money. I wrote and requested proof of the debt and the first letter they ignored. I resent the letter via certified with return receipt and they responded with a statement that my dispute is frivolous. No one should be able to post a collection account on my credit report and not be willing to provide proof of the debt. I have no idea what it is and have the right to proof if it is a valid debt.Desired Settlement: Provide proof of the debt or remove from my credit report.

Business

Response:

Ms. [redacted] most recent purchase was posted to her account on January 1, 2011. Payments were received in February, March, April and June of 2011. The account was charged off as a loss in February of 2012 due to non-payment. The payments made on the account include Ms. [redacted]' signature. Therefore, it is The Swiss Colony's position that it has a reasonable basis for believing that the account belongs to Ms. [redacted] and she is responsible for payment of the balance.

Consumer

Response:

Review: I placed an order with Midnight Velvet # [redacted] in the total amt of $107.90. The item #[redacted] was listed as a "Glorious Knit Jacket, shipped 10/30/15. This is not the case. It is a sweater, described by the Customer Rep I spoke to herself. It is very cheaply made and yet I was lead to believe it was a heavy weight jacket thus the high Shipping of $17.95 and the Jacket itself $89.95. It was mailed to me in a Plastic envelope not even a box. I called Customer Service to ask for the shipping to be reduced and to mail me a "Free Postage return label. She refused so I took this to the postal service and was told it would Cost $6.95 to mail back with tracking. That is over $11 added to the shipping. The Jacket is not a jacket for a Light weight sweater, very cheaply made even tho it is protrayed as an expensive Holiday Jacket.Desired Settlement: I would like a complete credit to my account as well as a Postage Paid Label to return this item as I have sent the last two orders back due to poor quality and High shipping and added fees.

Business

Response:

We have received the correspondence from the Revdex.com regarding your order #487745-75 placed via internet on 10/28/2015. We are sorry for any disappointment with your order for the Glorious Jacket and the questions related to shipping and processing.

Review: I order frigidaire 8000 btu air conditioning on 08/15/2014 that was winter time so I open it up on june 29 2015 hook it up did not work so I call montgomery ward they told me the 90 days return has gone I cant get a replacement or credit I told them I pay you 399.54 for something that is defective item and not working so I told then I want a replacement order or credit they said no pass 90 days I order this winder time you cant check to see if it is working in winter only summer when it hot not cold so I had to buy a new one I do not have the air conditioning anymore they wood not help meDesired Settlement: I want a credit to my account for 399.54 or a new air conditioning

Business

Response:

Montgomery Ward's records indicate Mr. [redacted] placed an order for an air conditioner on August 18, 2014. The item was delivered on August 27, 2014, yet Mr. [redacted] complaint alleges he was unable to test the operation of the air conditioner because he received it in the middle of winter. Mr. [redacted] contacted Wards in July of 2015 and alleged that the air condition was defective. Despite the fact that the purchase was well beyond the 60 day return period stated in Ward's guarantee - and in contract to Mr. [redacted] claims - Wards offered to send shipping labels for the return of the air conditioner. As of this date Mr. [redacted] has not returned the air conditioner. More to the point, however, Mr. [redacted] made only $40 in payments on his account after purchasing the air conditioner. His account was charged off as a loss and referred to a collection agency in April of 2015. Mr. [redacted] will not be receiving a refund for the purchase of the air conditioner because he has never paid for the air conditioner.

Consumer

Response:

I have tried since the Holidays last year ( 2012 ) to have Swiss Colony STOP sending catalogs to my P.O. Box..

I am exasperated to the point of anger, because the catalogs will stop for a month or two, and then start again.. I order over the internet, and have never requested a paper catalog from them..

I have tried over the phone, via snail mail and the internet.. Each time I get a response that they are sorry and they will stop.. WELL THEY HAVEN'T,and they are taking up too much space in my P.O. Box..

I e-mailed and told them I will no longer be orderng from them due to the total lack of customer satisfaction in this matter..

Sad, I liked the holiday products ( except for one which they actualy handled well ).

So Good Bye Swiss Colony, Hello Fiji's..

Review: Ordered products on November 30th advertised as in-stock at the time only to be told a week later these items are not available. See email I sent this morning.Desired Settlement: Delivery of order in time for Christmas as promised

Consumer

Response:

From: [redacted]Date: Mon, Dec 8, 2014 at 7:09 AMSubject: Re: Seventh Avenue Delayed Shipment Notice for Order [redacted]To: [redacted]Cc: [redacted]To Whom It May Concern:

Review: I am the payee on the account for the past two months in the amount of $325.00 (approx value), and $290.00. This account was not an account of my own but was authorized to use it and Ginny's did speak to the legal payer of the account per telephone on a number of occasions. I am due a refund for products returned and an over payment. They stated that they will not credit the amount to the method paid (by my own credit/debit card), but by giving the person who has the account legally - a credit balance. I am owed over $300.00, and my email to them is below:

This is an ongoing issue that I am having between your customer [redacted] Kevin Hughes aka [redacted] and myself. From the approximate time of July 15, 2013 to August 31, 2013 – when he was kicked out of my home after helping him with room and board until he was able to get a job, [redacted] was in my home at 1204 Windridge Drive, North Springs, GA 30350. While he was here, your company offered me credit of $400.00 in which I had originally tried to order the futon bed set with storage sides. Then by mail, I was denied, so [redacted] offered the use of his account to purchase what I wanted. Therefore, through his account, my orders numbers were #[redacted], #[redacted], [redacted], [redacted] totaling $816.41. Then we were told that the futon bed (#[redacted]) would not be shipped until the end of September so we canceled that order at the time per phone call with Ginny’s. I received order number #[redacted], #[redacted], and returned [redacted] when the [redacted] driver arrived at my door, since [redacted] was leaving the next day. The return tracking number for the above aforementioned was

During this time – and knowing that I no longer wanted the futon bed which I was purchasing for him to sleep on in my office, I also had [redacted] pick up [redacted] (tracking number above). I kept order #[redacted].

Previously, the order number that is listed included the stainless steel pots and pan set and the dish strainer – which I have also kept – and is order number [redacted]. This bill came to $200.85, but I paid $290.00, thereby, I should receive a refund of $89.15.

Approximately, on month before the above aforementioned, I purchased through his account the Ginny’s pots and pan set (the red ones), and the Ginsu knife set. Those two items I am also keeping.

Therefore, in returning the Futon Mattress to you the same day it was delivered (#[redacted]) and the 3 piece skirted sueded microfiber futon cover set – [redacted] that next Monday, the balance owed to me of 268.00 + 89.15 = $357.15.

[redacted] text me from his cell phone on September 22, 2013 stating in quotes “The ginny account still have balance of 54.75. I hope you return every item.” I did NOT dignify this text with a response – however, I am requesting that you literally look over this account with a fine toothcomb and refund the account from whence it was paid. It was paid from account number ending in 7061 with the expiration date of 01/17 with the name of Lisa Oliver on the account. Now, I am fully aware that you are not able to give me details of the account – but you can surely see that it was me who paid both accounts in full – before your customer [redacted] had to pay a monthly fee. I did that for a specific reason so that he did not have to pay any interest charges and so that also, he would not have to carry a balance on purchases that were not of his own. That is how I do my own credit accounts – therefore, I do unto others as I would do unto myself.

I do not want to have to find a lawyer to receive my funds. There should NOT be a balanced owed to you at all – and more than likely, dumb, dumb thought the +54.75 was a -54.75, which is probably statin that I thus far have a credit of that amount not a debit of that amount owed. This situation is getting out of hand. I was fully aware and accepted the fact that my money will not be refunded to my account until the end of this month (September). However, this new text stating what I have written above from [redacted] is angering. For him to suggest that I am being deceptive in my actions and not returning what I had told him that I had returned is further angering. You are not the object of this anger – but I need someone there to please assist me in this situation and just refund to me what is owed. I kicked him out and originally he stated that you were going to send him a check to refund ‘his money.” I told him that it is not his money to be refunded; therefore, I had called you to tell you that the money needs to be refunded back to my debit card. In response, you told me that you refund by way of payment – and I accepted that with joy.

You are in the middle of a situation that I learned never to do again – but I need you to please do the right thing and refund the funds owed to me ASAP and clear that debit amount because I know there should not be one. I paid what was owed on the bills and kept records of what I paid. My first payment was approximately $325.00 sometime in July or the beginning of August and my second payment was $200.85 near the end of August.

I look forward to the credit amount unto my credit card expeditiously,

Thanking you in advance,

[redacted] 30350

[redacted]Desired Settlement: Refund in full of the specified amount of the balance owed to me of 268.00 + 89.15 = $357.15. There is NOT a $54.00 balance owed. It is impossible especially with the returns.

Business

Response:

A representative from Ginny's has contacted Ms. Oliver-Johnson directly and reviwed the history of her account. Ginny's believes that [redacted] issues have been resolved.

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. Colony Brands (Ginny's) and I worked out our differences and all is now well.

Review: On December 26, 2015, I received an e-mail from Midnight Velvet telling me "Thank you for your order." However, I have NEVER heard of Midnight Velvet before, nor have I placed an order!!

Midnight Velvet gave me an order number of "[redacted]."

I contacted Midnight Velvet on December 26 and had mentioned to them that I have NOT placed an order with them. In response to my message to Midnight Velvet, they wrote,

"Dear [redacted],

Thank you for contacting Customer Service.

If you did not place the order, please submit a notarized statement disclaiming it. Go to www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf to print off the paperwork you will need to complete and send to us. Also, include order number [redacted] in your statement.

Once completed, mail the paperwork to:

Midnight Velvet Credit Department Attn: Loss Prevention Department

1112 7th Ave

Monroe, WI 53566"

I will NOT be signing any notarized statement! I did NOT place an order with Midnight Velvet! I have never done business with Midnight Velvet! I have NEVER heard of the company before in my entire life! If someone is fraudulently using my information and email, than that is something Midnight Velvet needs to deal with.

We hope this information is helpful to you.

Sincerely,

Midnight Velvet Customer Service

www.midnightvelvet.com

800-398-3020"Desired Settlement: I want Midnight Velvet to remove my name and e-mail address and any other information they have about me from their database! I want Midnight Velvet to stop harassing me with e-mails and orders that I have NOT placed!

Business

Response:

Midnight Velvet sent an order acknowledgement to the email address included on the order. None of the other information on the order matches Mr. [redacted] personal information - the order was not shipped to his address and he will not be billed for the order. Midnight Velvet will remove the email address from the order record.

Consumer

Response:

Review: I am writing to complain about the Montgomery Ward/Seventh Ave Company who refuses to except legal documentation of an injury that I sustained on my prior job that has an effect on me working. Thus, also has an effect on me being able to pay my credit card bill without a modification. A few weeks ago, Wards requested that I send then proof that I had a job related accident in 2003 where I sustained a permanent injury. I sent Wards numerous documents supporting the injury from the government establishment in which I was forced to retire from, due to the injury. For every document I sent, Wards continued to asked for additional documentation from different dates and areas that was extremely irrelevant and unnecessary. The documentation was both original and precise and showed all the original medical diagnosis of my injury. It also included proof that I was forced to retire in 2006. Yet, Wards continued to deny the modification request/claim so that I could resolve the debt in which I owe. Wards continues to make the task extremely difficult, even though they have received all of the necessary documentation that is needed to process this request without incident. Specifically, Wards has asked for letter head documents from Physicians that have now moved on from the medical facilities that I was diagnosed and treated in. Wards wants the letter head to show the Doctors name, but with a current date. I have no idea where some of the Doctors are located in this present time, since they no longer work at the Police and Fire clinic where I was diagnosed and treated. That is considered a nearly impossible request or task that should be researched by their own company, if that information is needed. They are already in possession of all documentation needed as proof that I am in need of a payment modification. Even though I attempted to locate some of the Doctors who treated me, up to 2006, the task has been exhausting.Desired Settlement: I am requesting the matter be looked into as an unfair company practice. I am also requesting an affordable payment plan for my account, where I can pay back the debt with out harsh penalties and interest rates that will keep me paying the bill for years to come.

Business

Response:

Ms. [redacted] indicates she was injured in 2003 and forced to retire in 2006, yet her Montgomery Ward account was opened in 2009. Wards is willing to make accommodations for consumers whose circumstances have undergone an unforeseeable change while their account is open and active. The terms of her Montgomery Ward account have not changed significantly since Ms. [redacted] opened the account. The only change has been the balance charged on the account, which has grown steadily since it was opened. Unfortunately, Ms. [redacted] account was charged off as a loss and referred to a collection agency on August 22, 2015. While this means finance charges and late fees will no longer be assessed on the account, it also means Ms. [redacted] will need to make payment arrangements with the collection agency handling the account.

Consumer

Response:

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

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

Consumer

Response:

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

Again, the Montgomery Ward/Seventh Ave Creditors offers an issue that is irrelevant to the request. Question: What does having a medical issue/disability which may or may not have been acquired before credit was established with this company, have to do with establishing suitable arrangements of payments? It was never stated that the money would not be paid back. It was requested that lower terms be established without penalty. Does Montgomery Ward/Seventh Ave. have any questions on their credit application asking individuals if they have a disability or issues prior to establishing credit with them. The answer would be No! That is against the law. So, why would they make the following comment: "Whatever financial constraints Ms. [redacted]' injury and forced retirement may have placed on her were already in place when she opened her Montgomery Ward account."

Review: I am being over charged for a purchaseDesired Settlement: I want midnight velvet to charge me correctly for my purchase. My purchase total after returns was 8.99. But I'm receiving a bill for over 50 bucks

Consumer

Response:

I originally purchased a dress, shoes, and a bracelet from midnight velvet. Of these three items, I returned the dress and the shoes, only keeping the bracelet which was 8.99. Midnight velvet wants to charge me an excess of 40 plus dollars in shipping charges, in which is ridiculous. I've called them several times in dispute over the shipping charges and now they've tacked on a 20 dollar late fee?? I just want these extra shipping charges adjusted, so that I can pay for the 8.99 bracelet. It just doesn't make any sense

Business

Response:

We received the correspondence from the Revdex.com in regards to your order #[redacted] placed via phone on 7/5/2015. We apologize for any confusion regarding your returns and account billing.

Review: This company pulled my credit report without my authorization. They started out sending me Montgomery Ward catalogs (I made the mistake of ordering 1 thing which was way overpriced.) Then I check my credit report and I have 2 inquiries from 7th avenue and through the country door. They fraudelently pulled my credit report because I have had no dealings with this company whatsoever. This is fraud.Desired Settlement: Removal of the 2 inquiries from my credit report.

Business

Response:

Ms. [redacted] placed an internet order with Country Door on May 8, 2015. Since this was a consumer initiated credit transaction, Country Door had a permissible purpose for requesting a copy of Ms. [redacted]'s consumer credit report.Ms. [redacted] placed an internet order with Seventh Avenue on May 2, 2015. Since this was a consumer initiated credit transaction, Seventh Avenue had a permissible purpose for requesting a copy of Ms. [redacted]'s consumer credit report.Please note that as part of the internet ordering process for each company, Ms. [redacted] was required to acknowledge receipt of and agree to the terms and conditions of the credit account. those terms include agreeing to allow the company to request a consumer credit report.

Consumer

Response: