Colony Brands, Inc.

Montgomery Ward offers its apologies to Mr*** for any inconvenience she may have experienced as a result of this matterIt was, however, resolved in December of Ms*** has failed to make a payment on her account since the issue was resolvedAs a courtesy, Montgomery Ward has
credited her account to remove the late payment fees assessed in January, February and March of Montgomery Ward assumes Ms*** will resume paying her account in accordance with the terms and conditions she agreed to when she opened it

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
I know realize the mistake I made and you are right, I agree with your resolution
Sorry for my mix up on this matter

Ms*** account was charged off as a loss and referred to a collection agency in July of She was informed of this action in a telephone conversation on December 20, Ms*** subsequently paid the balance on the charged off account in November of 2012, more than a year after the
account was charged off.The information Ms*** cites in her complaint (Current Balance: $Last Payment Received: $11/01/Minimum payment due: $0.00) is correctPaying a charged off account in full does not change the fact that the account was, in fact, charged off as a lossIt does change the status of the account to “Paid in full, was a charge off.” Since the information furnished accurately reflects the payment history and current status of the account, Montgomery Ward sees no reason to alter or delete the account information

They have settled this dispute

We are sorry your
statement dated 12/22/did not reflect the credit of $which was posted
to your account 12/27/Our statements are issued monthly and the
adjustment was issued after your statement date, therefore, it will be reflected
on your next statementBoth the credit of $and the debit of the same
amount (as per your request, it was refunded to your card 1/7/2015) will show as
part of the monthly activity on your accountWe regret any disappointment, but
appreciate the opportunity to explainSincerely, Swiss
Colony

Companies that extend credit are, obviously, owed money by those to whom they have extended creditAccounts that have a reasonable expectation of repayment are classified as "receivables." When an account remains unpaid for a significant amount of time, the expectation that it will be paid in accordance with the original terms is no longer reasonableAt that time the account is "charged-off" - deemed unlikely to be paidBefore charge off, payment of the amount past due will return the account to good standingOnce the account is charged off the entire balance is due and the account will remain closed even if the balance is paid in fullCharging off an account does not mean the debt is no longer owed, only that the expectation of payment has been diminishedWard's refers its charged off accounts to a third party collection agency (other creditors may refer accounts to an attorney for legal action or sell the accounts) so that the agency can attempt to recover the delinquent debtSince the account is no longer open and is classified as a bad debt, the collection efforts are simply attempts to recover the balance owedWard's retains ownership of the account and may recall the account from the agency if it is unsuccessful in recovering the debtThe charge off of Ms*** account was reported to the consumer reporting agencies shortly after it occurredHer payment of the account was also reported to the agencies and the status of her account was changed to reflect that the account was Paid in FullThe information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the account: it was charged off as a loss, it was paid in full after the charge off, and the balance due is zero

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

We received your correspondence from
the Revdex.com regarding order #*** placed via internet
8/16/We apologize that your order did not meet your
expectations
Our records indicate your return was
entered into our system 9/2/You were refunded the entire balance of
$141.89;
however your order was returned using the Smart Label option at a cost of $
to be applied to your account when returnedThis is a convenience offered to
our customers and allows them the ease of returning by dropping off at the post
office without waiting in line or just giving to their postal carrierThe
instructions are enclosed with the labelAs a courtesy, we have refunded this
charge
After a credit is issued to an
account, it is aged for days before being eligible for refundThe refunds
are generated once per week, on MondaysYour refund was processed by our Credit
Department 9/3/With these rules applied, your refund would be mailed from
our facility 9/22/As an additional courtesy, we have requested a rush of
your refund of $A check will arrive by mail in approximately seven to
fourteen business days
Your order was paid for using our
ACH optionThis allows the desired amount to be deducted directly from a
customer’s bank accountFunds are refunded in the manner which they are
receivedIn this case, your refund will be issued in the form of a
check
We hope this information is helpful
We appreciate the opportunity to explain
Sincerely,
Monroe &
Main

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

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 obligationI 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
Regards,
*** ***

As stated previously, Midnight Velvet has no record of receiving a request for credit from Ms*** that would trigger a request for a consumer credit reportThe only credit report request on file for Ms*** is the one made by Monroe and Main in May of Midnight Velvet did pre-screen Ms*** in December of Please note that neither Midnight Velvet nor Colony Brands compiled the consumer credit report Ms*** is referring to., and they are not responsible for any errors or omissions made by the consumer reporting agency in preparing the reportIf the consumer reporting agency listed the pre-screen inquiry as a consumer initiated request, Ms*** will need to address that issue directly with the agencyFinally, below is a list of Colony Brands titles, directly from the Colony Brands' web siteYou will note that Figi's is not included in the listMore to the point, the "About Us" page on Figi's web site includes the following statement: "Figi's is owned and operated by Mason Companies, Inc." Contrary to Ms***'s opinion, Colony Brands and Figi's are in agreement that Figi's is not a subsidiary of Colony BrandsThe Swiss ColonySeventh AvenueGinny'sThe Tender FiletThrough the Country DoorMidnight Velvet Monroe and MainAshroRaceTeamGear.comMontgomery WardHomeVisions.com OneStepAhead.com

Our records indicate that a refund
check in the amount of $was mailed
9/15/According to the system, this check was cashed 9/23/Your
comments have been forwarded to the proper departments for
review
We hope this is satisfactory to you
Sincerely,
Monroe & Main

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meBased upon my follow up call on 3/4/via the phone to make sure all the information that was supplied by the business in this complaint was validSaid acct has been removed and the only valid account I have with the company is the original account beginning with I have received the first over payment on the but have not received the one on the 976, but I have been assured by a representative that it will be mailed out soonIt sure saddened me to have to resort to this issue this wayIf I had received the proper satisfactory resolution during my multiple phone calling this could have been avoidedI will still feel some kind of way about your company ASHRO in the future
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I do not feel this resolves the complaintI had to place this order multiple times before I could actually get someone to make sure everything was correctI was told different stories by different peopleThis should never have happened to begin with. Regards,
*** ***

Seventh Avenue apologizes for the typographical error in its last responseThe preamble to the statement including the date "Seventh Avenue reiterates its previous response..." should make it obvious that this was an unintended errorWith regard to the remaining comments in Ms*** rebuttal, there is no new information and Seventh Avenue's business records remain the sameMs*** placed an order on August 13, that included a request for creditA letter was sent to her attention on August 15, indicating she would need to make a down payment before her order could be released for shipmentMs*** would not - could not - have been told that she would need to make a down payment to receive her order until after she submitted an application for credit

We received the correspondence from the RevDex.com regarding your order #*** for the Firenze 3pc Table Set placed by phone on 8/27/We
apologize for any confusion regarding your order and billing
The Firenze 3pc Table
Set (item DV71267) is listed online at a reduced
price of $The original
list price was $Shipping and processing of your order was $plus
sales tax of $brings the total to $You may refer to your order
blank in the center of the catalog or online under “What are your shipping and
processing charges?” This information shows items such as large furniture,
require special packaging and additional freightWhere this is necessary, the
item is designated with an alpha codeThe Firenze Table Set shows an alpha code
of H or $on the chartYou may refer to your order blank in the center of
the catalog or online under “What are your shipping and processing charges?”
While placing your order via phone, the price is always
verified along with the additional freight informationAt the conclusion of
the order, our representatives are trained to review the totals including the
shipping and processing and taxAt that time if there are any additional
questions, we will gladly re-examine the concernsWe apologize that when you
called to make your down payment the representative was unable to review your
concerns properly, which caused you to request cancellation of the orderWe
are currently addressing the representative with additional
training
All orders are subject to final credit approvalIf you
wish to keep the order active, and make the requested down payment of $we
will gladly offer a discount of $on the table setThis would be deducted
after the down payment has been
applied and the order releasedAll shipping and processing, and tax would
still applyWe apologize for any misunderstanding and look forward to a
satisfactory conclusionSincerely, Seventh
Avenue

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

We received the correspondence from
the Revdex.com in regards to order #*** for $placed via
internet on 1/26/We apologize for any confusion regarding the status of
your account balanceOur representative was in error when your account total
was given, which is
a concern that will be forwarded to the department
involvedThe balance on account is $26.90, which reflects the original
shipping and processing of the order for $plus the Smart Label Return
Option of $
We promptly credited your account
for $upon the receipt and processing of the Synergy Shoes 2/20/
Shipping and processing is not automatically credited, which is a common
practice in the catalog industry when a product is returned because the customer
didn’t like the product or changed his or her mind, or the item did not fit
The Ginny’s guarantee, which appears on our order form, or online under Customer
Service/Help states, “Satisfaction GuaranteedEvery productEvery DayAll
the timeYou deserve worry-free shoppingIf you’re not 100% satisfied with
your purchase (at any time, for any reason) just return itWe’ll refund your
merchandise amount, credit you
account or issue a replacementIt’s that simple.”
The shoes were returned using the
Smart Label Option at a cost of $to be applied to your account when
returnedThis option is offered to our customers as a convenience assisting in
the ease of a returnThe information regarding how to use the label is clearly
disclosed on the attached letterAs a courtesy, we have issued credit to your
account for the Smart Label and the original shipping and processing of the
orderYour account will reflect a zero balance within the next two to four
business daysWe regret we disappointed a first time customer, but appreciate
the opportunity to explainSincerely, Ginny’s

We apologize that our proposed resolution was not to your satisfactionThe original correspondence from the Revdex.com stated that the desired settlement was to have the items sent before ChristmasAs previously noted, the order was delivered 12/19/2014. As a courtesy, we have issued credit for the remaining balance of $for order #***Additional investigation is being conducted regarding the representatives you had spoken with and appropriate actions will be takenYour complete satisfaction is of the utmost importance to us, and we regret any disappointment or inconvenience this error has caused. Sincerely,Seventh Avenue

Our additional response
was posted the same day as your comments, and must not have been receivedWe
have included the additional information below:
We regret our initial
response was in errorOrder #*** was placed in September of Your
account balance was zero prior to placing the two orders in October of
The remaining
information regarding the returns, use of Smart Labels, guarantee, shipping and
processing, and payments still apply
We have as an
additional courtesy, credited late fees and finance charges and will be
refunding the submitted payment of $in fullThis should arrive via mail
within the next seven to fourteen business daysOnce your account reflects a
zero balance we will close per your requestWe apologize for any inconvenience
or disappointment, but appreciate the opportunity to explainSincerely,
Ashro