Colony Brands, Inc.

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 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: 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: 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 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: Received.catalog for preapproved credit. Placed order and made down payment. Items not available no refund.of deposit given. Deceptive business practices and false advdrtising.Desired Settlement: Refund to method.of payment. Mastercard.

Cancellation of pending orders

Removal from.mailing list for future.contact

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 3/23/2014 via

mail. We sincerely apologize for any disappointment regarding your

order.

We regret the confections selected

for your order were no longer available for shipment. We make every effort to

provide you with the best service and highest quality possible; however,

sometimes circumstances are beyond our control. Although we do ship products

year around, some of our specialty products are seasonal and certain items

cannot be shipped during the warmer months. Unfortunately your items were no

longer available.

Refunds are most often returned in

the same manner in which they are received. This would have occurred if the

order had been paid in full with your card. A refund check in the account of

$7.89 (the amount of the down payment) was issued on 4/20/2015. This should

arrive within the next seven to ten business days. We have also forwarded your

information to the departments involved for their review and

considerations.

Per your request, we are removing

your name from our mailing listing. However, it is still possible that you may

receive another catalog from us. Some catalogs are already at their shipping

destinations, to be released at a later date. The entire process can take six to

eight weeks. If any are received you may discard. We are sorry we disappointed

you. Sincerely, Swiss Colony

Review: I was checking my credit Report when I came across and account from Midnight Velvet. This account was opened without my consent. When I called them, they stated they could not find this account and I needed to call the Credit Bureau to dispute it. Well if they can not find an account under my name, why am I being charged for $285.00.Desired Settlement: I want this account removed from my Credit Report. I never opened or authorized this account. My resolution is I want nothing to do with this company.

Business

Response:

Midnight Velvet is unable to conduct an investigation using the information provided. It is possible that one or more of the agencies have included information regarding another consumer on her credit report. Ms. [redacted] can assist in resolving this question by providing the full or partial account number from the consumer credit report in which the account information was included or she can provide information from the header portion of the report, including any previous addresses and any FKA or AKA names included on the report.

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.

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: I had placed a complaint against Colony Brands back in October. The complaint was regarding charge-off accounts w/ Country Door, Ginny's, Midnight Velvet, Monroe & Main, Seventh Avenue and Swiss Colony/GrandPointe. These items were paid in full. As a courtesy, Colony Brands agreed to remove these negative items from my credit files. However, only Equifax and Experian were updated. The items still remain w/ TransUnion. I even submitted a dispute thru TransUnion stating that the creditor had agreed to remove items. This dispute failed.Desired Settlement: My desired outcome is for Colony Brands to finish their agreement to remove the items from my credit files. Thank you.

Business

Response:

The companies requested deletion of the account information in their November, 2013 scheduled update, then ceased reporting the accounts. In response to this complaint, the companies have sent an electronic notice to TransUnion to request deletion of the account information from Ms. [redacted] credit file. Ms. [redacted] should be aware that TransUnion is a separate entity and that the companies have no direct control over its actions. If TransUnion chooses not to delete the account information, the companies have no way of compelling its cooperation.

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: Hello, I currently am a credit card hold for Ginny's and I placed and order on saturday April 26, 2014. On Monday April 28th I got an alert from my credit report that ginnys had placed a hard inquiry on my credit report. So I went on line to see the orthat that iu placed hasnt been shipped. I also have a credit card with two other sister compnaies so I thought I might have forgot to make a payement. So I called and and I spoke to a heather ID#[redacted]. whom was very up professional so I asked to speak with a supervior . So heather came back to the phone and switched me to a supervior named angie whom was also very un professional. These are my questions. If I have been a customer since 2011 which was what I was told . I dont think that is correct. Anyways I have a credit card with this company. So why is my credit being checked if I have a credit card already. If my payment is in goodstanding why is my credit being checked. I was alos told that I dont have a credit limit with this company which I know that not true. How do I continue to place orders and I dont have a credit limit. Really. So I feel that the hard inquire that was placed on my credit by Ginny's needs to be removed. I also feel that I want this account to be reviewed to see why dont I have a credit limit. I remeber getting a letter in the mail and was told in that letter that If I made a purchase by a certain date that my credit limit would increase. Now Im being told there is no credit limit on my account. I feel the [redacted] is very unproferssional and that I nedd to be apologized to. I feel my order should be shipped cause how can they ask me for 50% of an order total when I am a credit card holder. I want to discuss the matter further.Desired Settlement: I feel the [redacted] is very unproferssional and that I need to be apologized to by her. I feel my order should be shipped cause how can they ask me for 50% of an order total when I am a credit card holder. I want to discuss the matter further. I want the hard inquiry removed from my credit. and I want my credit limit to be reinstated to to match the amouts that I have with the sister companies.

Business

Response:

Ginny's records indicate a credit representative spoke to Ms. [redacted] on 4/28 and 4/29 and resolved her issues. The order at issue was released on 4/30.

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: We are being billed and called almost daily. I have never ordered from this company, have never heard of them. They are threatening to turn me over to collections if I don't send money. When I try to find out what the bill is for they won't give me any information.Desired Settlement: I would like them to stop billing me and stop calling and zero out whatever account they show I have.

Consumer

Response:

Received another bill from Midnight Velvet (Colony Brands) stating that they have charged a late fee and now the balance due is $122.36. Past due is $65 and minimum payment is $85. They are asking for credit card information or checking account.

Business

Response:

On May 9, 2014 Midnight Velvet received a notice from NCOA, a national database administered by the US Postal Service, informing the company that the address of its customer, [redacted], had changed. Midnight Velvet changed the account address in compliance with the notice and began attempts to contact the customer at the new address. Subsequent investigation indicates that the address change notice was sent in error. Midnight Velvet offers its apologies to Mr. [redacted] for any inconvenience he may have experienced as a result of this matter. Midnight Velvet has reversed the address change and removed Mr. [redacted]s telephone number from the account records. Mr. [redacted] should not receive any more calls from Midnight Velvet and should not receive any correspondence dated after today's date.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I would like an assurance in writing from Colony Brands that nothing has been turned into my credit that would have a negative effect on it. That was the threat with all correspondence I received - that they would ruin my credit. I would like a letter stating that it was all a mistake and that nothing is on my credit - I will be able to keep the correspondence in case something shows up later on.

Review: I ordered a suit from Ashro. Returned in less than 30 days. I received a bill for $42.63. I called and tried to understand why I owed so much. They said it's for service charge. I expected to pay shipping and handling. I think the charge is too much. I agree I need to pay for shipping and the return fee of about $8.00 each way. I can't understand paying so much, and have nothing to show for it.Desired Settlement: Charge me a total of $16.00 for shipping and forget it

Business

Response:

We received the correspondence from

the Revdex.com in regards to your order #[redacted] placed 7/22/2014

for the Liv Jacket Dress. We are sorry for any confusion regarding your account

balance.

Our guarantee is listed on the order

blank in the center of the catalog or online under Customer Service/Help and

states, “All items come with a money-back guarantee* only if returned within 30

days of invoice date. You may request a full* merchandise refund or exchange

(if available). The refund or credit amount does not include the original shipping charges or the

return shipping charges.”

Our records indicate a prior order

returned in June for credit had a remaining balance of $7.95 due to the use of

the Smart Label for return of product. The new order placed 7/22/14 for $214.90

brought the balance on account to $222.85. The dress was returned using the

Smart Label option at a cost of $7.95 to be applied to your account when

returned. Upon the returns processing of the Liv Jacket Dress and credit for the

dress of $189.95 your remaining balance due was $40.85. The account had also

accrued finance charges as no payment had been

received.

We have, as a one time courtesy,

credited your account in full for two smart labels, original shipping and

processing and accrued finance charges. Please allow twenty four to seventy two

hours for your account to reflect a zero balance. We regret any inconvenience

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

Ashro

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: 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: I am an Ashro customer, I have an Ashro Credit Card. My concern is, when catalogs are received, my FULL credit card information is displayed, along with my account credit limit on the inside of the catalog. I had contacted Ashro in regards to this issue almost two years ago, and the issue has not been rectified. I was told by a customer service representative that the ability to "X" out the card number could not be done. I explained that other credit cards that I had, had the ability to perform this feature for any communications that were sent to me.

My concern is if I do not receive the catalog and it may be delivered to someone other than me, this can open up the potential for fraudulent usage, not to mention possible identity theft. I believe that this situation needs to be corrected. IDesired Settlement: No store should reveal any form of credit information where it can be viewed by the public. This needs to be fixed.

Business

Response:

We received the correspondence

from the Revdex.com regarding your concerns with our catalog

information. We appreciate your comments regarding the shipment of our catalogs

and we are in the process of forwarding your concerns to the proper departments

for their review and considerations.

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:

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 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: 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.