Colony Brands, Inc.

Review: I have three accounts tied to this company on my credit report that are paid and are still reporting as charge off on my credit report. This is causing serious damage to my credit report. I have disputed this account numerous times and it still won't come off. The accounts on my credit report are below:

Ginny's - [redacted]

Monroe & Main - [redacted]

Seventh Avenue - [redacted]Desired Settlement: Please delete these items from my credit report.

Business

Response:

Creditors furnish information to the consumer reporting agencies that reflects both the current status of an account and its payment history. In Ms. [redacted] case, each of the accounts was charged off as a loss before it was settled for less than the full balance. This history is reflected in the information the companies have furnished regarding Ms. [redacted] accounts. Payment or settlement of the accounts does not cause the account history to disappear from a consumer credit report. The companies' records indicate the accounts are being reported as "Paid in full - was charge off' with a balance due of $0. Given that this information is accurate and correct, there is no basis for altering or deleting it.

On 2/25/2016, I received an alert from Credit Karma that a Hard Inquiry was placed on my report from Swiss Colony/ASHRO because of a purchase that was made on 2/24/2016. On a credit report from TransUnion it showed that they reduced my credit score by 9 points. I have never had an account with their online clothing company for made any purchases from them however, my mother has for the past 4 years. Somehow they found out MY social security number for my mother's purchases and they are unable to figure out how and why this has happened. My mother and I have lived at separate addresses for the last 6 years, two different social security numbers and two different date of births. When my mother created her account, she did not have to provide a social security number so she is befuddled as to why and how they have mine. Now she has to get a notarized letter and submit it to ASHRO for them to review it. In the meantime, I still have negative scores on my credit report. My name is hyphenated name, there should not be any confusion. I would like to know how I should take this a step further i.e. court and filing more complaints so that they do not make this mistake again.

Review: I made a call to this company today, and was put on hold for over an hour. I finally gave up. I have done this before with the same results. I am hearing impaired and I use my CaptionCall phone to do my business with. I have the call on copy on my phone as proof. On my ph. Their text says,; thank you for holding. your call is important to us. please continue to hold for the next available agent." But to hold for over an hr., come on! I have continue to have issues with this company. they have only replied to one of my emails. I have sent 2-3. I want them to know that I am very upset. so I'm left with no choice but to report them to the Revdex.com....Desired Settlement: I WOULD JUST WANT THEM TO ACKNOWLEDGE ME WHEN I EMAIL THEM, OR WHEN I CALL THEM. MAYBE THIS WILL GIVE THEM A WAKE UP CALL.

Business

Response:

We received your correspondence from

the Revdex.com regarding your experience with our company. We deeply

regret the inconvenience this has caused you.

Our records show we received emails

from you on 3/15/2014, 4/1/2014, and 8/3/2014 regarding billing and/or account

issues. On each occasion, a response was sent advising that you contact our

credit department by phone due to the sensitive nature of these types of

inquiries. We sometimes discover our responses to customers are unintentionally

routed to spam or junk folders rather than the inbox. We are sorry if this was

not the case.

Our company strives to provide

efficient, helpful, and consistent customer service. We are constantly seeking

ways to reduce hold times for customers, and regret that your call was not

answered within a reasonable amount of time. Our customer service and credit

departments are both open Monday through Friday from 8:00 AM to midnight,

Central Time, at [redacted] to address any concerns you may

have.

We look forward to the opportunity

to address your concerns, and hope to provide a better customer service

experience for you in the future.

Sincerely,

The Swiss Colony

, due to a sister business Montgomery Ward has with another company, cause my line of credit to be taken away and without my knowledge, a policy that is an in house policy, not known to me, a consumer. It's unfair to be penalized, when im not aware of the policy.

It's a strong arm tactic.

Review: Back in November 2013 I place an order with this company, two months passed by and I heard nothing from the company. Then after a couple of months of not hearing anything from the customer about my order I received a bill requesting payment I immediately notified the company to ask why are they sending me a bill because I never received the merchandise. The lady that I spoke with said that she would note the account and that they would research it. Another month went by I heard nothing but I got another bill saying that I owed double the payment. I immediately wrote them a letter stating that I never received their merchandise, and before I send them one dime they needed to prove to me that it was mailed and received at my residence. I also requested to send me a tracking number bearing a signature as proof that someone received the merchandise from my residence. As of today, nothing now they've turned the account over to a collection agency.Desired Settlement: I would like for them to provide me with documentation that the merchandise was received at my residence, if they can not provide it then they need to contact the collection agency and have them to cease and desist and if they've reported it to my credit file then they need to delete it.

Business

Response:

Our records indicate the order for the Whistle Ranch Boot was shipped 12/5/2013 via mail. The order acknowledgement was emailed 11/23/2013 for your records. There were internet inquiries to your order 11/25, 11/27 and11/29. Records show after the email shipping notice and tracking information of the order was sent 12/6, additional inquiries were listed on 12/6 and 12/9. The order shipped via United States Postal Service and the tracking information is no longer traceable due to the length of time evolved. We wish you had been in contact with us sooner regarding non-receipt. A letter was received 3/27/14 and regretfully not forwarded to the proper department so an adjustment could have been made.

Review: I got a pre approved offer in the mail from them that said buy now pay later up to 400 in merchandise for 20 a month. I ordered and then they said I had to pay the entire amount up front. I called and they said it was on the catalog they sent me. it is not anywhere on the catalog ordering form or the online form.Desired Settlement: company to honor what the catalog and online order form says. buy now pay later, not pay the whole thing now.

Business

Response:

Mr. [redacted] did not receive a pre-approved offer from Montgomery Ward. Mr. [redacted] received an invitation to apply. The credit insert in the catalog included the required application and solicitation disclosures (including that all credit offers were subject to final approval) and the following terms of the offer:

TERMS: Your ability to obtain a credit account (”Account”) is conditioned on your meeting certain creditworthiness requirements that we have established for the Account. You authorize us to obtain a consumer report on you. We may not provide an Account to you, or we may limit the amount of credit initially available to you, if you do not meet our creditworthiness requirements. Account not available if we cannot verify information about you or if you cannot enter into a binding contract.

I have contacted Midnight Velvet several times on a paid account [redacted]. This account was paid in full in March 2010. I have requested by mail for them to deleted this account. I explained that I experience some hardship in 2008 causing my account to go to a negative status. I explained once before that I am seeking employment and employers review consumers report when seeking certain type of positions. I am request that Midnight Velvet show mercy and delete this account for my credit files. This will help prevent me from missing the opportunity of becoming employed.

Review: my complain is I get $10.00 charge late my bill is on the 25 on month I call and they say because they $500. late payment I sand $65 I own $1350.00 I like some help pleaseDesired Settlement: to stop charging me $10.00 late fees and make a regular payment so I can pay this co.

Business

Response:

Ms. [redacted] account first became past due in June of 2012 when she failed to make the scheduled monthly payment. Every subsequent month in which Ms. [redacted] filed to pay the past due amount resulted in a late payment fee. Making matters worse, Ms. [redacted] did not increase her monthly payment each time it increased following a purchase on her account. The missed payments and payments less than the amount due have caused the account to become seriously past due. In an effort to assist Ms. [redacted] in bringing her account current, Midnight Velvet has credited the account to remove all late fees that have been assessed and has adjusted the account to remove several months of finance charges. These adjustments will appear on Ms. [redacted]'s next account statement and will reduce the minimum payment due on her next due date. Nonetheless, Ms. [redacted] should pay at least the scheduled payment amount on or before her April due date.

Going forward, it is vital that Ms. [redacted] pay the Minimum Payment Due shown on her account statement on or before the due date. Once Ms. [redacted] has paid the past due amount, she will be able to resume paying the scheduled payment amount of $55.

Review: I over paid my Swiss Colony account [redacted] - -6/12

over a month now I called regarding what happened to the refund $15.90+ change owed as refund for overpayment on account

I was told via customer service they send the check this was weeks ago no check arrived I called again they state it would be issued end of month May still no check here it is 13 June 2015

I've made ample phone calls this would include to corporate headquarters and billings department.Desired Settlement: FULL REFUND OF OVERPAYMENT TO ACCOUNT NOW

Business

Response:

We received your correspondence from the Revdex.com regarding a refund owed. Please accept our apologies for any inconvenience this has caused.

Review: On 05/28/2015 I contacted MW @[redacted] wanted my refund back. Spoke with Supervisor [redacted] and she said it will take ONE (1) MONTH, to get my money! I told her it was not acceptable, I DEMANDED my refund back no later than Tuesday 06.02.2015. No monies have been received. I now demand 10% Penalty & 7% Interest on $27.90. Total amount due: $32.64, NOW!Desired Settlement: For my refund be mailed, certified, Express Mail in the amount of: $32.64, NOW!

Consumer

Response:

I thought I had already selected the company but nonetheless here is the information you have requested.COMPANY: MONTGOMERY WARDMAILING ADDRESS: 3[redacted]TELEPHONE #: [redacted]WEBSITE: WWW.WARDS.COMI DO NOTKNOW THEIR EMAIL ADDRESS, SORRY. THANK YOU.[redacted] 06.10.2015 10:51 AM

Business

Response:

We received the correspondence from the Revdex.com regarding your order #[redacted] placed via fax on 2/16/2015. We are sorry for any disappointment regarding your order for the Wonder Washer.

Review: I am filing a complaint for Ginny's, in regards to a recent order placed (# [redacted], and order # [redacted]). I am filing it for several reasons. One is an issue with customer service/time of processing order. The order was placed on Sunday, yet it has taken over 4 days for us to recieve a notice that the order could not be even placed. Today is now Thursday, it is absolutely ridiculous. No company, online or in person, that we have ever dealt with has taken close to 5 days to process an order, and then deny or only give me partial credit in the end. This is very unfair, and very poor quality on behalf of customer service, shipping and the credit department overall. I am extremely disapointed. There also was a shipping problem in which we sent 4 e-mails of inquiry, and never once recieved even one response. It as though we have to beg them for help. This has been an incredibly disfunctional, frustrating experience overall. I am elderly, have been in physical therapy recently for an issue with my leg, my family is helping me, and I cannot get to the phone as easily as I have been able to in the past.

There were also issues with having the order approved. I waited continually for a response, the account information/available credit is not clearly stated anywhere, and overall this has consumed hours of time. The most recent order was canceled by their credit department, and required me to make a down large, down payment. This is an extremely expensive form of credit, and the markup (of close to 300% on some items), plus interest makes this a terrible agreement. Yet at the end of the experience, I was denied the credit to purchase roughly $2,000 in furniture, etc.. I make close to $3,500 per month (am retired from benefits related to my husband's service of 30 years in the Army and in World War 2), have an additional household income of close to $4,000 from my daughter, and can more than easily afford the payment, yet sufficient credit was not extended, despite their high mark up on prices and continual delays in processing.

Overall, this has been an upsetting, negative experience. I am attempting to help my family with some furniture items, etc., and do not feel any customer should have to go through this type of experience with assistance from customer service, shipping issues, clarvoyancy/disclosure over credit, processing time (terrible), price mark-up, plus more. Thank you.Desired Settlement: I am requesting an immediate increase of credit to $2500, and to deliver the original orders stated (#[redacted], and # [redacted]) in a timely, sufficient fashion, and if possible free shipping please for the hassle we have gone through. We very much need the items, sheets, etc..ordered.

I believe in customer service, where the customer is the priority, business is based on trust and respect, integrity is upheld, the customer is not mistreated, and both parties benefit from the purchase. We are not sending one more e-mail to shipping or customer service over the heavy shipping issue. We have clearly responded to that issue numerous times, it has become exhausting. The request for credit increase, free shipping and approving the original order, after undergoing this much delay and issues with the order, and paying these types of prices, is fair and expected.

I would appreciate the timely approval of the original order placed, and an e-mail regarding it's status when it is processed. We also will call Ginnys but am expecting closure of the matter via Revdex.com. I would prefer for the issue to be resolved by early in the week of 16th. Thank you very much for assisting in doing so, I look forward to your response.

Business

Response:

Ginny’s offers its apologies to Ms. [redacted] for any delay in processing her order. Ginny’s received the order on February 9, 2014. Ginny’s orders are generally processed within 24 hours of receipt, but in this instance a copy of Ms. [redacted] consumer credit report was not received until February 12, 2013.

Review: This is not me, this is [redacted]. I have never and will never order from this company. I have never heard of them.Desired Settlement: I want this off my credit report. I did not open this account [redacted] did.

Business

Response:

Ginny's records indicate an identity theft affidavit was sent to [redacted]' attention on November 4, 2013 in response to an electronic dispute notice received from [redacted] will need to complete the affidavit, including any information he may have regarding the individual he believes used his information to open the account in his name, sign it and return it to Ginny's. Upon receipt of the affidavit Ginny's will conduct an investigation and inform [redacted] of its determinatioin.

Alternatively, [redacted] can provide Ginny's with a completed, signed police report indicating he has reported this incidence of identity theft to the appropriate authorities.

Review: The issue started when I placed an order on the phone Fri 11/14/14 .Since I was working as a temp/seasonal there are certian oppurtunities offered.Discounts booster bucks etc.The order came to over 106 after discount.At which point I had all but 1.80 some cents in booster bucks.After a few weeks bill came I sent in money and booster bucks.I waited nothing came after a week so tried to contact them.I kept getting recording about they had nothing on status of order.Finally I called pretending to put order in got someone(which makes me wonder about their service).I was informed that they no longer had the items.I was a little irratated to say the least,but atm decided it was smarter to reorder more presents thru walmart.A few days later I figured out what I was going to order a butchers block altogether came too 239.44.I had since the first payment had gotten another 140.00 on bonus bucks ,when adding the 2 together came to around 245 in bonus bucks.With the intitial bill ending up being with refund them oweing me ;) .Which I did not care if I got back.This order was placed12/11/14 .

After at least 4 phonecalls trying to get the right bill,which I had several people convey to me the same amount they are charging almost 18 dollars more now.

When I called the managers excuse is they could not use them now because part of it was for a sell.But they messed my order up and I did not know until later time about their issues.They are having me eat the problem.The biggest problem I am having is some of these bonus bucks were given because I served in the military and for perfect attendence.Now they are not crediting them to me,because of their mistake.Desired Settlement: I sent the bucks and new amount in.I just want what they owe me.My patience are worn.

Business

Response:

We are sorry to hear we have disappointed an employee and are in the process of reviewing her concerns. We wished this information would have been forwarded to her supervisor. Our employees are valuable to us and procedures and policies are in place to assist them as efficiently as possible. We look forward to assisting [redacted] with a satisfactory conclusion, she will be hearing from us very shortly. Sincerely, Seventh Avenue

Review: I placed an order the end of November for a Christmas assortment platter for my brother. The only way I saw that Swiss Colony received my order was when the check I sent along with the order for the platter was cashed by them. I thought since the check was cashed that there was no problem with the order. So the closer to Christmas it got I kept asking my brother if he had received anything from them yet. He didn't. So on December 26th I called Swiss Colony to find out what happened. Customer service told me that the platter was out of stock and that I should have gotten a refund or a credit. Well I didn't receive anything. No phone call or a letter alerting me of the problem. Next I was transferred to the credit department to try and straighten out the problem. I spoke to a lady by the name of [redacted]. She said the reason the platter wasn't sent was because of a credit problem. I reminded her that I paid by check and that the check was cashed with no issues. Next she tried to say there was a problem on my banks end. I again told her that they cashed the check and that she was wrong. She then put me on hold. When she returned she said that they would resolve the problem. That was that.

Business

Response:

Swiss Colony offers its sincere apologies for failing to deliver her gift to its intended recipients. The agent who handled the order did not follow company policy in this matter. The address to which the merchandise was to be shipped was incorrectly included on Swiss Colony's fraud file. While this was an error in and of itself, it should not have resulted in the cancellation of Ms. [redacted] order and the holding of her check. Both the agent and the agent's supervisor are being retrained regarding the proper procedures for this situation. Her refund has been processed and mailed to her home.

Review: I ordered the Ginny's Brand 10-piece Cookware Set #[redacted] and about two weeks after the cookware began to rust..... Included in the packaging was a 1 year warranty and I contacted Ginny's by email about replacing the set and they were non responsive. I then tried to call by phone and after selecting a number of prompts a recorded message indicating that they are experiencing a high number of calls and I should try my call again later.Desired Settlement: I just want the cookware set to be replaced!

Business

Response:

We received the correspondence from the Revdex.com regarding your order #[redacted], placed 8/28/2014 by phone. We are sorry for any disappointment with the 10pc Non-Stick Cookware in the Bronze color, and are glad that you have notified us of your concern.

Our records indicate we received your email on 12/1/14 and sincerely apologize the proper actions were not taken at that time. We have forwarded this information to our Supervisory Staff for their further review and actions. We regret your attempt to contact us by phone found the lines to be busy. We do our best to assist each and every customer in the most efficient manner possible. We have issued a replacement cookware set to arrive about December 22-23rd. Tracking information will be sent via email as soon as it is available.

We will send UPS to pick up the defective set within the next week. Please box and remove all prior labels; UPS will make three attempts to pick up and supply the return label. Our apology for any inconvenience this may have caused, we appreciate the opportunity to stand behind our products and look forward to serving you better in the future. Sincerely, Ginny’s

Review: There was a request to change the billing date months ago (from the 25th to the 15th - which was the 21st day of the grace period and that was when the bill was being paid) and it was enforced during the same month of the change and I only had 3 more payments to make. There was an initial late fee done and a letter was submitted via the website that it was not fair to change it at the same time I was already getting someone else to pay it for me. I have not worked in quite some time, and it was requested that it revert back to the original due date. That late fee WAS reversed, but the due date remained the same and it was entirely IMPOSSIBLE to pay two payments at once - so it stayed on the original pay dates as were being done. NOTHING HAS BEEN DONE EXCEPT LETTERS THREATENING THAT I WILL NOT BE ABLE TO GET A JOB (which I do not have) or a car or a house. I would say that they have sent threatening memos to me that probably amounts to the $20 that they have refused to stop charging. The last amount of actual charges of $26.08 was paid already. Now all that is being done is two late fees and .75 per month (X2) in finance charges.Desired Settlement: I want them to credit the fees and stop sending me a threatening letter every two seconds for the mistake that they refused to fix themselves. After being a loyal customer for years, this is no way to treat anyone. Especially under the circumstances. I have NOT been able to find a job - and it would be sad to think that $20 is helping me miss my school loans and other obligations. THIS IS NOT FAIR!!

Business

Response:

Mr. Bridges was not assessed a late fee simply because he changed his due date. Mr. Bridges failed to make the first payment due on his account after placing an order that was billed to his account in January of 2013. The due date change simply changed the timing of his statements so that the late fee was assessed before his payment was received. Swiss Colony has credited Mr. Bridges account to remove the late payment fee and the finance charges. The account now has a zero balance.

Swiss Colony regrets any inconvenience Mr. Bridges may have experienced as a result of this matter.

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. Even though it has statements that only back up my problem - the initial problem was the change in the due date for January (2014 - not 2013). January 2013 had due dates of the 10th. The time the due date change came in was the same time that December's payment was being made to avoid the 21st day.

Regards,

Review: Somebody using my name fraudulently order some merchandise from this business in November 2012. It appears that they have the practice of sending merchandise without verifying the identity of the person who orders. In the beginning of March 2014 they reported a charge off to Credit Bureaus damaging my credit in the middle of a process to buy my first home.

I have called them since then, I filled up an affidavit, I have it notarized, I explained that I do not live in the address where they sent the merchandise, I sent a copy of my Driver License, my rental agreement showing the address where I have lived for the last 4 years.

Every time I call they say that they need more time to investigate, showing no concern over the damage that they are causing me, hurting my credit score and putting an stop to the whole process of securing a contract to buy my house.

The amount we are talking about here is only $ 348. They have treated me with disrespect without any concern about my situationDesired Settlement: I need they finish the investigation as soon as possible and inform Experian Credit Bureau of the only possible outcome: delete that account.

Business

Response:

The account Mr. [redacted] disputed was coded as fraudulent yesterday, April 3, 2014. Seventh Avenue has sent notice to the consumer reporting agencies to delete this information from their files.

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: Ordered a fireplace kit from the company. When it arrived, it was not the advertised item that I had ordered. Called the company. Ups picked up product. A few days later, received another fireplace, which turned out to be the exact same one. Called the company. Ups picked up fireplace. A few days later, received the correct fireplace. Proceeded to assemble the fireplace. The pre-drilled holes in the fireplace did not line up, so the assembly of the fireplace could not be completed. Called the company. They said they would send another. I chose, at that time to cancel the order. I informed them that I had already disposed of the boxes the fireplace came in and what did they want me to do with the fireplace that I had. They informed me to place the item in the garbage and that my account would be credited and that I owed them nothing. Since then I have received monthly bills and phone calls from their collection department. I have spoken with their customer service department on several occasions and they have assured me that everything is taken care of. Then I get another bill and phone calls.Desired Settlement: I want my account credited and I do not want to hear from this company ever again.

Business

Response:

We received the correspondence from the Revdex.com in regards to your account concerns. We are sorry for any confusion and will take the opportunity to explain why your account has a balance.

Our records indicate your first order #552971-55 placed 12/29/15 ($605) for the Signature Electric Fireplace. Your call was received 1/11/16 stating the fireplace had not been received and was credited due to carrier non-delivery.

A second order #[redacted] was placed 1/11/2016 ($370.94) for the Storage Electric Fireplace. When we received your call 1/19/2016 it was determined the wrong item was sent, so a replacement was issued. The replacement was also determined to be incorrect. We issued Call Tags for UPS pickup on both units and upon the returns processing your order was credited in full.

A third order #[redacted] ($609.94) was placed 1/19/2016 for the Electric Fireplace in Cherry as it was determined it was a larger model to suit your needs. Our records indicate the day following receipt, a call was received stating assembly was difficult; due to improper factory pre-drilled holes and that you had disposed of the product. It is customary in the retail business and catalog business to have defective products returned. Our procedure for defective product is to have the item picked up and after returns processing the account credit is issued. It is always desirable to save any packaging until it has been determined the product meets your needs. We regret any misunderstanding and have as a one time courtesy issued full credit. Please allow twenty four to seventy two hours for your account to reflect a zero balance. Seventh Avenue

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: Someone opened an account with my name and they dont ask for a ssn. So now I have a fraud on my credit report. I had to actually ask them to freeze that account so none else used it.

How are companies getting away with this?Desired Settlement: To have them close the account I never opened and have it taken off my credit.

Business

Response:

Seventh Avenue has sent an identity theft affidavit to Ms. [redacted] attention for her to complete and return. Seventh Avenue anticipates concluding its investigation shortly after receiving the completed affidavit. Please note that, contrary to Ms. [redacted] assertion, the information received on the order included a social security number.

Consumer

Response:

Review: Today I called Wards to find out if the lamps had been received and asked to have my money refunded instead of being applied as a credit. I was told $101.96 would be refunded. The first representative [redacted] said my account was linked to a [redacted] in Texas and my credit paid off the balance on that account. Why? I am not [redacted] and I live in Virginia. Next I was transferred to a call center where the lady said I would be receiving $101.96, because I did not pay the full balance. I informed her my account had been set to auto bill each month and why my account was linked to another customer I did not know. She said that the account was not linked. I find that odd when just a few months ago another representative at Wards said they had a second account for me. I again am asking myself: Why? I only asked for one account. I want all the money paid on this purchase refunded and whatever second account they(Wards) setup without my permission cancelled.Desired Settlement: I want my full refund and the second account cancelled. Once this is completed I will be calling into cancel my account using the account number that I have for my actual account where I made the purchase.

Thank you,

Ms. [redacted]

Business

Response:

Ms. [redacted] has never had two Montgomery Ward accounts. Seventh Avenue and Montgomery Ward are related by common ownership. As a result, customer accounts with each company share a common cr. Ms. [redacted] had a Ward's account opened with a different cr than the one used to open her Seventh Avenue account. When this was discovered, the account number was changed to share the same cr as her Seventh Avenue account. The other account has now been closed. Ms. [redacted] will receive a refund of the full amount paid on the account for the order she returned.

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,

[redacted] Dear Revdex.com,Thank you for your assistance in this matter. What I am awaiting now is my refund which has not be credited back to the card used to make the payments. Ms. [redacted]