Colony Brands, Inc.

Review: Order Hampton Canopy bed-q. Item was delivered as promised but was delivered with missing parts. Called customer on service on 9-9-13 to report missing items. The CSR named [redacted] claimed she put in order for missing part (d) and Part (e). After two weeks, no delivery called into Customer Service and talked with [redacted] she claim no order was put on for the missing parts so she put order in and that it will take three weeks for delivery. New delivery was made 9-25-13 but wrong parts was delivered again. Still no part (d) or (e) which are the bed rails.Desired Settlement: I want the company to send the correct missing part (d) Cross Rail and part (e) side rail for the canopy bed. I would like for the parts to be sent next day delivery since CSR have been incompetent in getting the order corrected in the first place. I also need a return shipping label with tracking to send back the incorrect part that were initially sent to me in the beginning.

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 8/27/2013 via

internet. We are sorry for any confusion or inconvenience regarding the

replacement parts for the Hampton Canopy Bed.

Review: I sent a ice cube maker back to ginnys and was told once they get it back it would take 7 days to put it back on my account I wait the seven days and check my account and it wasn't posted so called them and they told me they never got it and I know they did because I checked the ups site so they told me to call back the next day and I did the lady told me that it was put back on my account and I said no it wasn't the snow cone maker was but not the ice cube maker she put me on hold and said she couldn't find where I sent it back she put. Me on hold and I talked to someone else and they told me at 12 am it would be on my account I looked a 7:45 am and it was still not on my account I called back and they told me I had to wait another 7 days for it to show up on my account I said what ever and hung up the phone tyvm for your timeDesired Settlement: Put the ice maker back on my credit

Business

Response:

We received the correspondence from the Revdex.com in regards to your order #[redacted] place 4/11/2016 via internet. We are sorry for any disappointment with the processing of your returns for credit to your account.

Our company carefully inspects all returns and documents defects so we can improve our products and processes for you. Regretfully, an error occurred upon entry which delayed the full credit to your order. Returns are processed in a timely manner, during a standard business week, Monday - Friday. Information allows us to process and log into our systems for replacements or credit to our customers’ accounts according to their direction. This information is then forwarded to our customers via email to notify them we have received the item and it will process shortly. Although tracking a return may indicate an item has been received, the entire process can take from seven to twenty one days.

We appreciate your calling this to our attention and apologize for any inconvenience. Your account currently reflects a zero balance. We look forward to serving you better in the near 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.

Regards,

Review: I paid off my account the first week of this month and called and spoke with the billing department to close out my account. I was told at that time this account would be closed out. I received a bill today and it looks like this account was never closed out and I will be receiving more bills with finance charges.Desired Settlement: Close out my account. I am no longer interested or have need for their products or services. I paid every last penny and now want my account closed out please.

Business

Response:

The last billing statement mailed to Ms. [redacted] was prepared and mailed on February 17, 2016. Ms. [redacted] failed to make the required minimum payment on or before her February due date, resulting in the assessment of a late payment fee on February 27, 2016. Seventh Avenue received a payment on March 3, 2016 in the amount shown on her 2/17 billing statement. On March 7, 2016 Ms. [redacted] made a payment by phone in the amount of the $10 late fee. The account has had a zero balance since March 7, 2016 and the account is now closed to new purchases in accordance with Ms. [redacted]'s request.

Review: I had bought a few items from seventh avenue and had gotten behind on payments. I was able to have the extra money to pay the bill so I go and pay it. Its all good and clear to go, I was happy the weight was lifted off my shoulders. then a couple weeks later I get a letter saying they cant take my payment?? so I have my mother try and the same thing happens! im very frustrated so I call them and they say to send in a check or money order and ill be good to go. I send them a money order and think im in the clear. Time goes on and I receive a letter from a collection agency for them! im very upset. it is now a charge off and ruined my credit!Desired Settlement: I just want to be able to make the payment and get my credit back in order! Please!!!!

Business

Response:

Review: midnight charged a 15.00 retrn check charge. my bank paid the pymt and never was presented to my bank or returned from my bank. I requested the charge to be researched and they denied my request. they wanted me to send bank stmt to them I denied their request.Desired Settlement: to remove a return check charge off my acct. for $15.00 and off my acct.

Business

Response:

Midnight Velvet posted a payment to Ms. [redacted] account on September 15, 2014 in the amount of $25. On September 25, 2014 the payment was reversed. Please note that Midnight Velvet was the recipient, not the initiator of the payment reversal - $25 was removed from Midnight Velvet’s account. As a result, Ms. [redacted] account was debited in the amount of $25 and a returned payment fee of $15 was assessed.

Review: I placed an order with Seventh Avenue to be billed to me on my Seventh Avenue credit card and to be shipped to a family member in another state. Instead of billing me they have opened an account in my family members name that the merchandise was being shipped to. The merchandise being shipped was Christmas Presents. Even though they are telling me that it was their mistake they will not close that bogus account and bill me instead. this is very embarrassing because they have sent a letter to that person stating they have successfully opened an account in their name. I am being told that the only way I can get this put back on my bill is to send them a notorized statement of responsibility. This account opened by their admitted mistake for someone that did not authorize it I am being told they can not correct.Desired Settlement: Account opened in by their error to be closed and merchandise to be billed to me as requested.

Account closed that was opened by them by mistake and merchandise billed to me as requested.

Business

Response:

Seventh Avenue regrets that Ms. [redacted] finds herself in this situation. It should be noted, however, that no one from Seventh Avenue edited, handled or reviewed her order before it was processed. The information entered the system precisely as she entered it in the fields on the internet order screen. Nonetheless, Seventh Avenue will transfer the order from the account of the intended recipient to Ms. [redacted] account. The transfer should be completed in the next 48 hours.

Review: I have attempted to make contact with this business through their secure email on my account and also through the postal system 3 times. The Aerobed ([redacted]) purchase in late June was defective. When I got it out to use, it not only doesnt work right; it also appeared to maybe have mildew growing on it and appeared dirty. I am not paying for a defective item. Montgomery Ward can ignore all of my correspondence to make this right but can continue to leave messages and send letters threatening collection actions and credit reporting.Desired Settlement: I originally just wanted a return label and exchange. Now that I realize what a bottom-feeding company I"m dealing with that doesn't want to stand behind the products they sell, all I want is a credit for the item so that my business with Montgomery Ward can be done.

Business

Response:

We received the correspondence from the Revdex.com regarding your order #[redacted] placed 6/22/2013 via internet for the Aerobed Elevated Mattress in Queen size. We are sorry for any disappointment and appreciate the opportunity to explain.

Review: I purchased products from midnight velvet which I wasn't satisfied with the products.I returned products within the trial period yet I'm still being billed interest charges shipping and handling charges that I paid upon retuning the items. I don't understand how I would have a balance if Items are returned and shipping and handling are paid by customerDesired Settlement: Remove fees causing a no balance

Business

Response:

We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 1/20/2016 via phone. We are sorry for any confusion with the returns processing of your order.

Your account was promptly credited $279.96 2/19/2016 for merchandise returned. 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 Midnight Velvet guarantee is listed on the order blank in the center of the catalog or online under Customer Service states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. We’ll gladly, refund your merchandise amount, credit your account or, send a replacement (if available). Your complete satisfaction is guaranteed.”

The order was returned using the Smart Label option at a cost of $7.95 to be applied to your account when returned. This is a convenience offered to our customers, so they may save time and just drop the item at the post office, without waiting in line, or giving to their postman for return. This information is clearly disclosed on the return label. Because we value your business, we have credited your account for the Smart Label and the original shipping and processing. Your account will reflect a zero balance within the next twenty four to seventy two hours.

We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet

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: I order some stuff from swiss colony and t seventh ave they are asking for a down payment when it states clearly buy now and pay later then after you place the order then they ask for adown payment that is false advertisement if I ever seen it and what they are doing is bad business practices and they are inviolation of the merchandise ruleDesired Settlement: to my receive stuff

Business

Response:

Mr. [redacted] requested an extension of credit in

conjunction with the orders he placed. After evaluating his creditworthiness it

was determined that his request for an extension of credit could be granted only

if he remitted a down payment of 10% of the order total. He has not made the

requested payment and, therefore, his request for credit has not been granted.

I received a catalog from seventh avenue. The catalog stated that I was approved for pre-approved credit of $400.00. I placed an order by phone for $148.90 ON 10-03-14. I was told my order went through and I could expect my items to arrive by 19-14-14. On 10-11-14 I received a letter by US mail that stated my order could not be filled unless I paid half of the amount by check or money order. The letter also stated that they could find no history of credit on me.
I called seventh avenue on 10-13-14 to inquire about this matter. I talked to the credit dept and was told that the pre-approved offer I received does not really mean that a person is approved. I feel that this is false advertising and and very bad business practices. I told them not to send me any more catalogs ever again.

Review: My account with Ashro Fashions has fallen into a delinquent status. I'm trying get the company to work with me to establish a payment plan. The CSR 's are not being helpful in listening to my request. I spoke with several CSR's and informed that I am willing to schedule a $50.00 payment for 10/14/2015 and move forward to pay this amount until account has brought back current. Was told the payment would not do anything towards the balance on the account

They threatened to forward to collection agency. Also, was told the calls from the dialer system will not stop unless I make a payment @ $229.00. Can't afford this amount. Receive monthly SS benefits , 2nd Wednesday. Don't want to be annoyed with the dialer system calling me.Desired Settlement: Want company to work with me to get account back on track and paid in full. Do not want calls from customer service (none).

Business

Response:

On October 9, Ms. [redacted] called Ashro and indicated she could pay $50 a month on her account. A payment promise for October 14 is not noted in that conversation. Ashro spoke with Ms. [redacted] again on October 10, 2015, at which time she indicated she wanted no more calls. Her account was coded to stop further calls on that date. Ms. [redacted] states she intends to pay $50 per month until her account is brought current. Ms. [redacted] does not need Ashro's consent or agreement to her plan. However, Ashro will continue to bill her for the past due amount and will continue to assess finance charges and late fees in accordance with the terms of the Ashro credit agreement. As a courtesy to Ms. [redacted], Ashro has credited her account to remove ten late payment fees. This adjustment, which will appear on her next monthly billing statement, will give Ms. [redacted] a bit of a head start in bringing her account current.

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: COLONY BRANDS (Under the names of SEVENTH AVENUE, SWISS COLONY AND MIDNIGHT VELVET) is reporting 3 distinctly different credit tradelines on my credit reports.

A single tradeline/credit relationship that I had with COLONY BRANDS has morphed into 3 separate entries on my credit report. I have disputed the 3 entries as duplicates of the same account number [redacted] BUT I HAVE RECEIVED NO RESPONSE.

Each distinct tradeline: 1) all lists variations of the same corporate name, 2) all reference the same account number and 3) all are forwarded from the same address: 1112 7TH AVENUE, MONROE, WISCONSIN. The fact that COLONY BRANDS DOES BUSINESS UNDER DIFFERENT CATALOG NAMES is irrelevant. A continuation of the same account with the same account number with the same retailer does not constitute a NEW tradeline.

THE FACT THAT COLONY BRANDS DOES BUSINESS UNDER SEVERAL DBA’S does not justify reporting MULTIPLE tradelines on my credit report -- This is FALSE information and FALSE credit reporting. I have 3 separate tradelines being reported by SEVENTH AVENUE, MIDNIGHT VELVET AND SWISS COLONY --Each tradeline is being scored by FICO negatively and is interpreted as THREE SEPARATE LINES OF CREDIT by THREE distinctly different creditors WHICH IS FALSE!!

I DID NOT receive THREE SEPARATE LINES OF CREDIT from SEVENTH AVENUE, SWISS COLONY AND MIDNIGHT VELVET. I only received ONE CREDIT LINE FROM COLONY BRANDS.

Courts, while interpreting the FCRA's accuracy requirement have stated the following:

"...accuracy requires congruence between the legal status of a consumer's account and the status a CRA (Credit Reporting Agency) reports."

This response by COLONY BRANDS is clearly indicative of irresponsible credit reporting and egregious illegal behavior. The FCRA requires maximum possible accuracy of the information concerning the individual about whom the report relates.

How is COLONY BRANDS going to handle this? This clearly is irresponsible credit reporting.Desired Settlement: DELETION OF ACCOUNTS FROM EXPERIAN, EQUIFAX AND TRANSUNION!

Business

Response:

Ms. [redacted] basic contention is incorrect. She has never had a credit relationship with Colony Brands as Colony Brands is neither a retail sales company nor a lender.

Review: I placed two orders with Midnight Velvet using my Midnight Velvet credit card on 04-18-14 and again on 4-24-14. I received these orders with no problems. The issue that has occurred is when I changed my name from my maiden name of [redacted] to my new, married name of [redacted]. I contacted all credit card companies, including Midnight Velvet, at the end of April to notify them of this change, as well as the change in my billing and shipping address as I have moved from Dayton, Ohio to Hilliard, Ohio. I placed another order with Midnight Velvet on 05-01-14 using my new name and shipping/billing address. On 05-02-14, I received an Email from Midnight Velvet explaining the status of my recent order. I also received a letter a few days later indicating that they couldn't find "[redacted]" and that I didn't have any credit with them. I contacted customer service that same day and spoke to two different representatives. A woman in the credit department collected my personal information and assured me that the accounts had been merged. I was also told to cancel the previous order and to place a new one. I placed another order on 05-07-14. I went out of town that weekend and trusted that everything had been taken care of. When I returned home a few days later, I noticed that I hadn't yet received my order. I checked my online account and noticed that my order hadn't been shipped and yet another letter had been sent explaining that status of my order. This time, I contacted Midnight Velvet in writing (Email form) on 05-15-14 explaining that this was the third time I had contacted them to get this issue resolved. I got NO RESPONSE which I find to be completely unacceptable! On 05-20-14, I contacted Midnight Velvet in writing (Email form) indicating that this was my fourth attempt to get the issue resolved. I got a generic response back telling me to contact the credit department - and adding insult to injury - no apology for their lack of response the previous week. I responded by advising that they lost a customer and I would be contacting the Revdex.com. There again, was no response. At this point, I've tried to go into my Midnight Velvet account and can't even access it! What concerns me the most is that I haven't received my credit card statement from Midnight Velvet, so I don't know what the minimum payment is and when it is due. Again, I've tried to access this information (I almost always pay my bills online) but have not been given access to my own account. I would also like to indicate that I have credit cards with Discover, The Gap, Macys, Chadwicks, Amazon and Victoria's Secret. Midnight Velvet is the only company that has given me a problem...I've received all new credit cards from them with my new name and have placed orders with Macys and Victoria's Secret since then with no issues.Desired Settlement: I would like a new credit card issued to me with my new name, [redacted], to my billing/shipping address in Hilliard, Ohio.

I would like full access to my account through Midnight Velvet so I can pay my credit card bill online.

I would like my monthly statements sent directly to my new billing/shipping address as reported to Midnight Velvet at the end of April.

If the due date for my credit card payment has already come and gone, there should be no late charged incurred as this was not my error.

An apology would be appreciated as well, but not required as I plan to pay off the bill and never shop with Midnight Velvet again.

Business

Response:

Midnight Velvet offers its apologies to Ms. Baker for the confusion regarding her account. It appears that Ms. [redacted] last name was not changed when she updated her personal information, causing Midnight Velvet’s system to fail to match her order to her existing account. Midnight Velvet’s credit department believes it has resolved this issue and taken steps to ensure that it does not happen again.

Review: I pulled my credit report because I was denied a mortgage refinance due to issues from Montgomery Ward, Ginny's, and Home at Five which all are part of Colony. I called them on 05/15/2015 and explained to them that it wasn't who got the credit in my name but since it was one of my children I couldn't file ID Fraud but if they would help me and remove this from my credit report I would make the payments. I explained that both me and my wife were totally disabled and lived on a fixed income and that we had no idea what had happened until I was denied the refinance. The lady was very understanding and told me that it would be pulled from my report that day and that the accounts had already been turned over to collection agencies and gave me each names and numbers. For me to call them and explain the same and she would back me up and they to would remove from credit and would accept a smaller payment plan to meet my needs. None has been removed and when I spoke with collection agencies I was talked to like a dog and was told they didn't care who got the credit but I would be paying and they would continue to show it on my report until paid in full. I called the lady back at Ginny's and she told me how sorry she was how they treated me but she couldn't do anything about them but assured me on her end all 3 of their companies would remove all negative entries on my credit report from all 3 bureaus. As of 06/15/2015 it is still on all 3 reports.Desired Settlement: Remove all negative entries from them on my credit report at all 3 bureaus. And have the 3 collection agencies that they sold the debt to do as well.

Business

Response:

None of the companies' records indicate a call on May 15, 2015, or a conversation at any time that remotely resembles Mr. [redacted] account. Mr. [redacted] has begun filing disputes with the consumer reporting agencies, claiming the accounts are not his. Each of the companies has investigated the disputes and determined that the accounts belong to Mr. [redacted] and that his is responsible for payment of the outstanding balances.

Consumer

Response:

Review: Hello my name & social was fraudulently used for a purchase from this company. I contacted this company last year and provided a copy of my identification along with my police report. I received a letter stating this would be removed from my credit reports. To this day, this is still a negative remark on my credit. I've called and I was told it'll take up to 30 days, that was 4 months ago and it's still on my credit. I would like to get this resolved in a timely matterDesired Settlement: negative mark off all 3 of my credit reports

Business

Response:

GrandPointe sent deletion requests to the consumer reporting agencies in April, May, June and July of 2014. If the account information has not been deleted by one or more of the consumer reporting agencies, Ms. [redacted] will need to address the issue directly with the agency involved.

Consumer

Response:

Review: I have requested a catalog & yet to receive it at all. Plus, I'm signed up to receive emails from them yet I have not received any emails at all. #[redacted] all they do is keep giving me numbers.Desired Settlement: Would like emails & catalog sent to me. Otherwise payment for every issue I didn't receive starting 5/23-6/10/15

Business

Response:

We received the correspondence from the Revdex.com regarding requests for a catalog and promotional email. Thank you for requesting the

Review: On approximately 22 Dec 2014, I [redacted], placed an online order with Midnight Velvet for a Sparkly Chandelier, order was I am writing due to a billing error on the above account. On 22 Dec 2014, I order [redacted].

On approximately 26 Dec 2014, I received a call from Midnight Velvet informing there was an issue with my order.

On approximately 29 Dec 2014, I contacted Midnight Velvet to resolve the issue. The individual explained there was an issue with my shipping and billing address. I informed the individual the Billing Address was: [redacted] and the Shipping Address was [redacted] On 31 Dec 2014, I received a partial shipment statement which showed the billing and shipping address as [redacted] Street, [redacted] On 31 Dec 2014, I contacted Midnight Velvet to inform them there was an error in the billing address.

On 31 Dec 2014, I spoke to a customer service rep who informed me the information could not be corrected without a notarized letter. I explained to the rep, the information had somehow been changed and that I was not comfortable having another individuals name tied to my account and credit card information. The individual explained it was a 30-60 day process and there was nothing she could do.

On 31 Dec 2014, I called Midnight Velvet again and requested the change. I spoke to a different customer service rep who stated she would change the information.

On approximately 5 Jan 2015, I received a call from Midnight Velvet stating there was something wrong with my account.

Between 5 – 9 Jan 2015, I returned the call to find out what was wrong with the account. I had several conversations with different representatives. During one conversation, I learned my name had been transferred to a different account and I was informed I now owed $700+ dollars. I attempted to explain the situation to several individuals, but each stated the orders on this new account all had my billing and shipping information. I asked what the other items were and was informed I could not be given this information. I asked about the chandelier and was informed it had been shipped I to [redacted] and Signed for by a lady.

After numerous conversations, a young man came on the phone and stated he would submit my request to the credit department. I requested to speak to a supervisor. He refused and said they would do the same thing he was doing. He asked if I received the Chandelier, I explained the chandelier was to be shipped to [redacted] and I believed the records showed it had been shipped and delivered. He explained the shipping address on all orders showed [redacted], I explained I only placed one order and it was to be shipped to [redacted]. He disagreed and stated he would reimburse my account if I had not received the item. I requested to speak with a supervisor. He transferred the phone were I sat on hold for approximately 10 minutes at which point I hung up and call back.

When I called back, I eventually spoke with [redacted] and [redacted]. I explained the situation to them and they looked at the records and said they would correct the accounts. [redacted] pulled my name for the other account and established a separate account with my name and just the Chandelier on it. With [redacted] on the phone, I called my mother-in-law to see if the chandelier had actually been delivered. No one answered. [redacted] stated she would leave my account reimburse due to all the trouble I had gone through. [redacted], apologized for the mistake and gave his number [redacted] if I had any other problems with the account.

On approximately 2 Feb 2015, I received a statement from Midnight Velvet stating I owed $234.90 for the Chandelier.

On approximately 5 Feb 2015, I contacted Midnight Velvet to address the issue. I spoke with [redacted], who checked with the credit department and informed me she had drafted an email and I should hear back from them next week. I requested to speak to a supervisor. I spoke with hope who repeated what [redacted] said. I explained the situation as it happened above and informed Hope I could not wait a week as the statement had a due date of 20 Feb and I wanted to resolve the issue before the bill became over-due. Hope explained she would get back with probably Monday. Frustrated, I agreed and hung up the phone.

On 5 Feb 2015, Hope returned my call and stated according to her records, I received the chandelier and therefore I owed the midnight velvet. I explained [redacted] had informed me, I did not owe due to the hardship with this order. Hope informed me [redacted] was not authorized to make this promise. I explained [redacted] was a witness to this as well. Hope explained [redacted] was not authorized to make this promise either. I requested to speak to a Supervisor. Hope and I had conversations on what we both thought was an appropriate resolution. I informed her I was requested full credit for the hardship and she told me she thought I should get partial credit. I requested to speak to a supervisor who had authority to resolve the issue.

On 5 Feb 2015, I spoke with David who looked into the matter. We spoke three times and he transferred me to [redacted]. [redacted] stated she would look into the matter and call me back tomorrow. I asked for a direct contact number so I did not have to repeat the information again. She informed me I would receive something via email and if I did not to contact customer service in the morning…she state she did not have a direct contact number.

On 6 Feb 2015, [redacted] contacted me and requested I explain the situation again because the records she reviewed did not make sense to her. I reiterated this entire situation. She stated it now made since and that she would attempt to contact the individuals I had mention in the statement. And that she may call me back.

At this point, I am frustrated beyond belief and feel I should be compensated for the time and hardship in attempting to resolve this issue.

While I do not feel $234.90 is adequate to compensate me for this simple order. I am willing to settle for this amount just to be done with Midnight Velvet and Resolve this issue.Desired Settlement: Close Account and Adjust Billing to reflect $0.00 balance...confirmation Privacy Act Information was not leaked to other account holders

Business

Response:

The account at issue was credited to a zero balance and closed to new purchases on February 5, 2015. None of Ms. [redacted] personal information was shared with another individual.

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: On 04.29.15 I rcv'd a phone call from Midnite Velvet stating that I am late for my payment or a payment is due immediatley? Now I have rcv'd a statement from this company and the payment is not due until the 05.10.15? So that morning I called Midnight Velvet and spoke with a respresentative and all she could do is ask for payment even after I complained to her that the payment was not due until the 10th of May. She stated this is there way of collecting! Then I called today 05.01.15 to get my account number due to this is the only way I can access my account and they refused to assist even after I confirmed address, phone number and last 4 of SS#. No help at all and they refused paymentDesired Settlement: For the incovience of me calling them regarding my bill and they refused to give information. Then the invcovience of them distrubing me by phone trying to collect and I have 12 days to pay? This has me stressing so bad they need to eat the entire balance for all this and the incovience and time this has taken!

Business

Response:

Ms. [redacted] placed an order with Midnight Velvet that was

posted to her Midnight Velvet credit account on March 6, 2015. A statement was

prepared and mailed to Ms. [redacted] indicating the first monthly payment of $25 was

due on or before April 10, 2015. Ms. [redacted] failed to make the required monthly

payment. On or about April 13, 2015 prepared another billing statement and

mailed it to Ms. [redacted]’s attention. This statement indicated a payment of $50

(the $25 scheduled payment plus the $25 past due amount) was due on or before

May 10, 2015. The due date on this statement did not alter the fact that $25

was past due and immediately payable. Midnight Velvet called Ms. [redacted] on April

29, 2015, seeking immediate payment of the past due amount.

Ms. [redacted] called Midnight Velvet on May 1, 2015 to request

her account number. Midnight Velvet required Ms. [redacted] to provide sufficient personal

information to demonstrate that she was, in fact, the account holder.

Ms. [redacted] received a collection call regarding her past due

account 18 days after her payment was due.

Midnight Velvet refused to provide a caller with a customer account

number until and unless it could verify the identity of the caller. Midnight

Velvet does not believe either of these instances constitutes harassment of any

kind. Ms. [redacted] can avoid further collections calls by making the required

monthly payment on her account on or before the due date and can refer to her

monthly billing statement for her account number.

Review: On December 3, 2013 I went online with Monroe and Main to make a monthly payment on my account. I went through the process on the payment page and selected to pay other amount not the full amount and I put in the box that I was paying $50.00. It went to the screen for me to verify the payment information and it said 12/3/13 with the amount of $50.00 with the 2 buttons of continue to make payment or cancel. Since what I was looking at was correct I hit continue to make payment. Now after that the next screen came up and it had the amount of $340.42 was pending as my payment. This amount is the full amount of my bill. I did not authorize that amount plus I wouldn't authorize that amount because I live on a fixed income through social security and I have rent to pay. What Monroe and Main did has caused me to not be able to pay my full rent and my landlord is very unhappy. I contacted them that night and they told me that I had to call my credit card company and get them to stop the payment and to find out what they have to do on their end. Well I did that and my credit card company which is Metabank (EFT card through social security), had told me to tell Monroe and Main to fax them a letter with certain information and a brief statement stating that they weren't claiming the funds. I in turn contacted Monroe and Main and told them what they had to do and they said they would do it. Well today I check my bank card account and the $340.42 was no longer in the authorized detail section which is where pending transactions set until they are claimed. Monroe and Main did not send the fax to Metabank, instead they basically stole my money. I think that is wrong. Now I am waiting to hear back from Metabank to see what I do next to get my money back. I think this company, Monroe and Main should refund me the $340.42 minus the intended $50.00 payment. Maybe you can make them understand what they did was wrong.Desired Settlement: My desired outcome would be to get my money back and that Monroe and Main examine their website to see why it basically chose to do a full payment when it was only authorized to make a small payment.

Business

Response:

Monroe & Main offers its sincere apologies to [redacted] for the error in processing her payment and the delay in crediting her account. The full amount of $340.42 was retiurned to Ms. [redacted] account on December 9, 2013. In addition, Monroe & Main has credited Ms [redacted] account in the amount of $50 for the payment she intended to make on December 3, 2013. Finally, this issue has been forwared to the Monroe & Main internet team for investigation and correction of any system errors.

Review: I have an account with Swiss Colony (No. [redacted]). I have had this account for several years. I currently have a credit limit of $1900 and owe them nothing. I placed two orders the last of September for Christmas and they refuse to fill the orders unless I pay 50% down. I have questioned as to why I need to pay 50% down when I do not owe them anything and they will not answer my letters and give me a reason why. At the time I placed the orders, I had a credit limit of $1700 and they just recently added $200 to that limit so I don't understand why they need 50% down. I want an explanation as to why they need the 50% when I have such a large credit limit.Desired Settlement: Delivery of my order as I requested without the 50% down and the full amount of the order billed to my account.

Business

Response:

At the time [redacted] placed his order with Swiss Colony his account with an affiliate was past due, causing his Swiss Colony order to be held for a down payment. [redacted] has since brought the account current. A representative from Swiss Colony is attempting to contact [redacted] to resolve this issue and get his orders released.

Consumer

Response: