Colony Brands, Inc.

Review: I paid extra for 2-3 day delivery when I ordered my product on Saturday morning. I was not made aware of a down payment on my account until Monday. I paid the down payment and the items did not reach the destination until Friday afternoon. When I called, they were uncooperative. I have an open account with Swiss Colony and it said my payment was due October 15, 2013. I should be reimbursed for the extra delivery money. The items were for my aunt's funeral. By Friday, most everybody was gone.Desired Settlement: Reimburse the extra delivery charge.

Business

Response:

We received correspondence from the Revdex.com regarding your order [redacted], placed 9/21/2013 via internet. We are sorry for any disappointment regarding the later than expected delivery of your order to the Foster Cousins. Please note that all orders take one to two business days for processing. In addition, your order was held for a down payment due to the recent payment history on your Swiss Colony and Ginny’s credit accounts.

Review: I had been a customer of Ashro, Midnight Velvet, Monroe and Main, Seventh Avenue for over ten years. I always paid on time and kept my accounts in check. I eventually closed my accounts for no other reason than to save money, for I am a stay at home Mom. Last year the Colony Brand Company family of mail order stores started sending me catalog's and offering an invitation to open a account, which I did. Up until the past six months things were great... I'd order , receive it, pay down my account and maybe submit a new order. No , problem up until about four to five months ago. When I went to pay my bill with each company with my bank account on LINE AND ON TIME. Their website would not accept my payment FROM MY CHECKING ACCOUNT and a screen appeared stating " OOPS.... NOT YOUR FAULT WE HAVE A SYSTEM ERROR. PLEASE CALL OUR 800 NUMBER TO SUBMIT PAYMENT! SO, INSTEAD OF MAKING ANOTHER DREADFUL PHONE CALL I PAID WITH MY DEBIT CARD AND THEIR SYSTEM PROCESSED THE PAYMENT, SIMPLY EASILY AND ON TIME WITH OUT FURTHER PROBLEMS . LAST MONTH I PUT IN A ORDER UNDER $175.OO WITH MONROE AND MAIN. I KEPT A EYE OUT FOR THE DELIVERY BUT OVER A WEEK LATER NO MERCHANDISE ARRIVED. SO, I CALLED CUSTOMER SERVICE..... I COULDN' T BELIEVE WHAT I WAS HEARING AND THE RUDENESS OF THE CUSTOMER SERVICE REP. SHE CLAIMED THAT I HAD MULTIPLE RETURNED PAYMENTS OVER THE PAST FEW MONTHS. I TRIED TO EXPLAINED TO HER WHAT THIER WEBSITE SAID AND THAT IT WOULD NOT PROCESS A PAYMENT THROUGH MY BANK ACCOUNT, SO I USED OTHER MEANS TO GET MY PAYMENT THROUGH TO THEM. THEN THE CUSTOMER SERVICE REP TOLD ME "THEIR COMPANY DID A SO-CALLED "SOFT" CREDIT REPORT REVIEW AND EVEN WITH MY EXCELLENT PAYMENY HISTORY THEY FOUND ME TO BE UNCREDIT WORTHY. THE CUSTOMER REP TOLD ME A LETTER WAS ON ITS WAY TO EXPLAIN THE DISCONTINUANCE OF BUSINESS. I HAVE STILL NOT RECIEVED THE LETTER. I THEN PROCESSED THE ORDER UNDER MY HUSBAND'S NAME AND SOCIAL, WHO HAS EXCELLENT CREDIT AND THEY TURNED HIM DOWN FLAT. THIS WEEKEND I PUT AN ORDER IN WITH ASHRO, ONLY TO FIND OUT THEY ARE FOLLOWING SUIT AND CANCELLED MY ORDER. I HAVE BEEN A LOYAL AND SUPERB CUSTOMER. THERE HAS BEEN NO NEED FOR THEM TO TREAT AND TALK TO ME SO RUDELY AND UNPROFESSIONALLY. THEY DO NOT TAKE ANY RESPONSIBILITY FOR ANYTHING THAT HAS TRANSPIRED.Desired Settlement: APOLOGY , RE-INSTATE MY ACCOUNT, KEEP A CLOSER REIGN ON THE CREDIT, INFORMATION TECHNOLOGY DEPARTMENT AND WEED OUT ANY POOR CUSTOMER SERVICE REPS WITH BAD ATTITUDES.

Business

Response:

Monroe & Main and Midnight Velvet offer their apologies to [redacted] for any inconvenience she may have experienced as a result of this matter. It appears that [redacted] orders were held due to a similarity between her information and information recently added to the companies' fraud file. A credit representative contacted [redacted] on November 18 and resolved this issue. [redacted] should have no further trouble placing orders within her credit limit.

Review: I bought a ebook from montgomery wardsI send back for refund never got a refundebook item is [redacted]That was three months they were going to give me.Please Back to me?Thank You [redacted]Desired Settlement: I would like my refund back.The total amount of $257.95

Business

Response:

We received your correspondence

from the Revdex.com regarding order #[redacted] placed via internet

2/15/2013. We apologize the Coby 7in Capacitive Tablet did not meet your

expectations.

We were notified of your wishes to

return the tablet during a Customer Service phone call 1/31/2014. At that time,

prepaid return labels were requested by our representative. The labels were sent

via email 2/3/14. Returns may take three to four weeks from the date of shipment

to process. Our records indicate your return was processed 2/28/14. Full credit

of $257.95 was issued.

Your order was applied to our

credit plan at the time it was placed. As stated in our terms and conditions,

finance charges are applied to your account each month that a balance remains.

On 2/28/14 when credit of $257.95 was applied, your account reflected a balance

of $39.55. This resulted in a refund total of $219.15 issued 3/24/14. As a

courtesy, we have refunded finance charges of $30.85. A check reflecting this

amount will be mailed within the next seven to fourteen business days. Your

refunds of $219.15 + $30.85 = $250.00 payments submitted on

account.

We hope this information has been

helpful. We appreciate the opportunity to explain. Sincerely,

Review: I received defective merchandise which they are billing me for. Parts don't fit, hardware doesn't work, improper screw alignment, etc. I have e mailed them about 13 times. They keep asking me what I want to do. I answer immediately (have documentation) and then never hear from them again. I've called and been put on hold or disconnected. I printed out 14 pages of emails. I had a computer person check it out, they stated the e mails had been sent and were marked as sent. This has been going on for 3 weeks. I've closed my account and will never, ever do business with them again. They deny they received the emails yet my computer shows they aren't being truthful.Desired Settlement: I want them to do what they claim they'll do, have the merchandise picked up and a prepaid label sent for same. I'm 71 years old and not capable of picking the half-moon, unassembled cart up. I don't want to spend another wasted two hours on a product that isn't inexpensive. It's not sold "as is" or damaged or on clearance. Why I would want to keep it for a discount price is beyond me, what good is something that can't even be assembled? I don't want to send another 13 e mails, I want what I've told them repeatedly. What a way to run a business. I don't want to be stuck for the cost of shipping, either. Why should I pay for an item that is no good. It's not like I had the opportunity to see if was junk.

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 6/22/2014 via

internet. We sincerely apologize for any disappointment with your order for the

Review: I have been a customer and received a credit increase. Because I placed 2 orders and then cancelled them before they were shipped, I was denied the ability to use my credit which was available. Their response was that I placed too many orders in a short period of time, even though the orders were cancelled prior to shipment. I made 2 calls to their customer service department then credit department and was told by employee and supervisor that this is 7th Avenue's policy. I was never advised of such a policy. I said that if you wish to cancel and order prior to shipment why is customer penalized number one and number 2 why is there an option on their website to cancel an order? Doesn't the customer have the right to change their mind on an order prior to it being shipped? I have always been a good customer, paid my account on time and sometime paid more than the minimum payment and I am being treated this way. I want some resolution to this matter I am very upset. Now in order to place my correct order they are telling me I need to pay full amount upfront! Otherwise I need to wait a few weeks to try and reorder with my credit. WHAT? This is dishonest, deceitful and if this is company policy it has never been shared with me, a good customer.Desired Settlement: I am asking that I be able to process the order I have without paying in advance since I have over 194.00 in credit available with the company and also more informed info on what happens if you place an order then decide to cancel prior to shipment.

Business

Response:

Seventh Avenue's records indicate Mr. Hahn's most recent order was released without a down payment. The FACT Act of 2003 requires creditors to establish and maintain adequate policies and procedures to prevent and mitigate fraud, and past experience has demonstrated that "order velocity" is a key indicator of possible fraud. Seventh Avenue regrets the need to maintain a system check such as the one that inconvenienced Mr. [redacted] but, unfortunately, it cannot be avoided.

Review: This business gave me a chose and charge account....a few months into it, I had credit left, and when I tried to use it, they requested money upfront to send order. Thats not in the contract I signed. They have voided it, according to my lawyer, and will not be getting anymore money out of me. What a scam!!Desired Settlement: Account closed and brought to zero. No way they can break contract terms...uh uh.

Business

Response:

Ms. [redacted] does not specify the company against which she has filed her complaint. However, Ginny's records indicate Ms. [redacted] has a $400 credit limit - meaning she can charge up to a total balance of $400. On December 12, 2015 Ms. [redacted] submitted an order that would have increased her account balance above her existing credit limit. After reviewing her creditworthiness, Ginny's elected to offer Ms. [redacted] the option of completing her order if she paid a portion of the order total prior to shipment. Ms. [redacted] has elected not respond to that offer. Ms. [redacted] should be aware that failure to pay the outstanding balance on her account may result in potentially adverse consequences. Specifically, if Ginny's is forced to charge the account off as a loss, that information will be furnished to the consumer reporting agencies.

Consumer

Response:

I paid this account([redacted] in full with Ginny's in March 2010. I have request in writing in May, June, July of 2013 for this account to be deleted. Ginny's have not acknowledged my contact at all. I experienced some hardship and unemployment in 2009 and this account went to negative status. I am trying to better myself by looking for a better job opportunity. Companies look at employees consumer reports when seeking many types of jobs. This negative status is hurting my chance a better job. I am asking Ginny's to delete this account from my credit files.

My experience was the worst I have ever encountered with online shopping. Firstly, I received the clothing I ordered in a box that was sitting in the rain (I was away for the weekend). Secondly, I opened the boxed items that were in loosed plastic, although the clothes did not get wet if I had been out of town longer they would have been ruined since the box was saturated upon my arrival home from two days. Thirdly, when I tried the clothes on, on sleeve was smaller than the other, another item's material was worst in person than in the catalog or online (looked more like a rag chopped up) and the last item was not true to color as was in the catalog or online (it was going to be a present for my Mom). These clothes were too expensive for what was sent to me. I thought I was getting quality but was being scammed. I felted taken. I immediately packed the items back and mailed them back in another box of course...then realized I had to not only pay to send the items back, I had to pay Ashro for mailing the items to me. That was my first and last time dealing with such terrible customer service. Never had to pay to send anything back or pay ($25) for sending it to me.

Review: I placed an order with this company for some of there products around the 1st of Dec. 2014. I received a letter from them dated 4 Dec. 2014 telling me my credit was denied. They told me that I needed to send $96.74 by major credit card in order to deliver my order. I went online Dec. 11, 2014 and sent in the said amount using my debit card. I was also charged a $5.99 fee for paying online. I called my bank later and was told a total of $102.73 had been paid to Swiss Colony. I called Swiss Colony on 13 Dec. to check the status of my order and was told I needed to send in another $50.00 dollars before they would ship my order. I told them I had no more money to send, so please cancel my order and refund the money I had paid. Since then I have been in contact with them numerous times and have yet to get my refund. I am a disabled veteran and live on a small pension. They have really screwed up the holidays for me. The order I placed with them was meant for Christmas gifts. Now I have no gifts and no money to buy any. Can you please help me in this matter?Desired Settlement: I would like to have this order cancelled and the money I paid, $102.73 refunded.

Business

Response:

We received your correspondence from

the Revdex.com regarding order #[redacted] placed via telephone

12/3/2014.

On 10/8/2014, order # [redacted] was placed via phone for a

$50.00 gift certificate. No payments were received toward this

balance.

Our records indicate that a $50.00

gift certificate was redeemed on order #[redacted]. The order total of $146.74 was

reduced to $96.74. Your payment of $96.74 was submitted 12/12/14. On 12/13/2014

the order was cancelled.

Due to the unpaid balance for the

$50.00 gift certificate, your account reflected a refund of $46.74. We have

cancelled the $50 gift certificate to fulfill your request for a full refund. As

a courtesy, your refund

$96.74 will arrive within the next seven to twenty-one business

days.

We are not able to locate a $5.99

fee that was allegedly charged. If the payment was made through a third party

service, they would be responsible for any subsequent refund of this fee. We

accept credit and debit card payments directly for no fee. Please keep this in

mind for any possible future orders.

We hope this information is helpful

to you. We appreciate the opportunity to explain.

Review: This is shown on my credit report from midnight velvet,and I don't. Owe them anything I would like for this to be cleared up thank you.Desired Settlement: I want this off my reports

Business

Response:

Midnight Velvet has located an account in Ms. [redacted] name that was included in a bankruptcy filing in 2006. Midnight Velvet has not furnished information regarding the account to the consumer reporting agency since July of 2006, and is not responsible for deletion of outdated information from a consumer credit report. Deletion of outdated information is the responsibility of the consumer reporting agency that compiles a consumer credit report. Nonetheless, Midnight Velvet has sent a request to the consumer reporting agencies to have the account information deleted from Ms. [redacted]' consumer credit file. Please note that it may take 30 days or more for this change to appear on a consumer credit report.

Consumer

Response:

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

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

Review: Bought items from Monroe and Main with my credit account thru Monroe & Main. Made a purchase, $539.00 Credit approved.

3 days later, Dec. 4th, I attempted to buy a couple small gift items totaling 159,70 and was turned down unless I put 79.85 down. I chose the option to cancel the order. I called them to see what the problem was. They said it was because there was confusion with the Account #.

I purchased merchandise on this account one other time and paid the entire $500+ at once before the month was out.

I told them to cancel the 159.70 order, as I did not feel good about their response.

store. But they keep on checking my credit. This in itself is affecting my credit score.

If I have an account with them, why won't they honor it? This is disgraceful. I have never given them a reason to change the conditions of the purchase agreement of my account. The account has no limit. Valid since 2014.

Business

Response:

Ms. [redacted] placed an order with Monroe and Main on November 25, 2015 in the amount of $538.12, which was approved for shipment, on account number XXX-XXX-[redacted]. However, on December 3, 2015 Ms. [redacted] placed an order via the internet using account number XXX-XXX-[redacted]. Unfortunately, Ms. [redacted] pre-approved limits are not associated with that account number. In fact, no limits are attached to that account number, which resulted in Monroe and Main requesting a consumer credit report and a request for a down payment prior to shipping the order. Ms. [redacted] pre-approved limits remain in place on her existing account. Monroe and Main regrets an inconvenience Ms. [redacted] may have experienced as a result of this matter.

Consumer

Response:

Review: I have never had an account with seventh avenue but this account is showing up on my credit report showing I owe $39 dollars, this is causing me stress and stopping me from getting approved for a home for me and my family. I have written several letters to the company with no response but the debt has not been deleted from my credit file. I have asked for proof this account is mine with no response, therefore Seventh Ave. cannot prove debt is mine.Desired Settlement: I want Seventh Ave to delete this account from my Experian credit report. Also at this time I would like for this account be deleted from Equifax and Trans Union as well.

Business

Response:

Seventh Avenue is unable to locate an account in Ms. [redacted]'s name at the address she provided. Seventh Avenue requests additional information from Ms. [redacted] to allow it to locate the account at issue, which may include the full or partial account number, previous addresses and/or previous names.

Consumer

Response:

Review: I have never heard of nor did I solicit the service of this company. My fear is of invasion of privacy and ruined credit rating.Desired Settlement: Prohibit these unwanted mail-outs and help insure they in no way destroy our good credit rating and name.

Business

Response:

Through the Country Door (“Country Door”) has removed [redacted] from its mailing list. Please note that some additional mailings may be received that have been pre-placed with the post office for delivery in the next 4-6 weeks. Country Door’s records indicate [redacted]’s account was closed in November of 2012.

Review: This company is harassing me daily. They call my cell phone every day damanding payment. I have told them I am paying all I can at this time. I am not working and can not pay $100 per month. Please help!

Business

Response:

Swiss Colony’s records indicate [redacted] has never spoken to a collection representative. She has never indicated that she is out of work or attempted to discuss alternative payment options. At this time, [redacted] account is seriously past due and in danger of being referred to a collection agency. In order to assist [redacted], Swiss Colony has credited her account to remove most of the late payment fees that have been assessed. This adjustment will appear on her next account statement and will bring [redacted] account current. However, [redacted] would be well served to contact Swiss Colony credit to discuss payment options before the account once again becomes delinquent.

Review: I was on the seventhavenue.com website and found an item I was interested in for my daughter for Christmas- the MEEP! 2.1.2 Kids Tablet. The price is what got my attention. On one of their pages they had a listing that read as follows MEEP! 2.1.2 Kids Tablet and Accessories for $14.99 so I tried to buy it at that price and it would not let me. I called to company and they are now saying that the page is for the accessories only. In the description it talks about the tablet, even has a picture of the tablet beside the listed price. On that page it does not say anywhere excludes tablet, tablet does not qualify for this price, tablet not included in this price. It states clearly in the price listing MEEP! 2.1.2 Kids Tablet and Accessories for $14.99. I have a picture of the listing on my phone ( I am not very computer literate and could not figure out how to do the copy cut and paste attachment thing) Looking at their website now I no longer see the listing that I am talking about which leads me to believe they also seen something wrong with the way it was posted. I feel the company is giving me the run around instead of saying the page, price and description is worded in a misleading way and we will honor the price. All I can get is the item number is not listed on this page and if I scroll down it would show me the items that are included and that the tablets are sold out at this time and they will get more in around 12/10/13. I stick by the wording and listing is very misleading and confusing. Clearly it states MEEP! 2.1.2 Kids Tablet and Accessories $14.99. No where does it state the tablet is excluded, does include tablet pricing or it is strictly for the accessories for the tabletDesired Settlement: I would like them to honor the price that I found. The wording of their page is or was very misleading. Like I said no where on the page does it say that the tablet is not included, excludes tablet, tablet sold at a different price or the listing is for the accessories only. The tablet was described in the general information on the page as well as a picture of the tablet right beside the price. That is the price I understand it is listed at and they dropped the ball by not making the listing more clear as to what the price is for

Business

Response:

We received the

correspondence from the Revdex.com regarding your concerns for the

MEEP! 2.1.2 Kids Tablet and accessories. We regret the product listing for the

headphones was confusing. We have since taken steps to clarify that the listing

was in fact for the headphones only. We are sorry for any disappointment and

are in the process of issuing a $50 Gift Certificate for any inconvenience this

may have caused. This should be received via mail within the next seven to

fourteen business days. We appreciate the opportunity to explain. Sincerely,

Review: I have purchased items for three consecutive years from this company, including last week. I went to their website and typed free in the search bar, a the words free shipping products appeared. I clicked on it and 73 items appeared under the heading free shipping items. Tonight I search this way again and found the items I wanted to purchase when I went to the "shopping cart" they had included 8.95 for shipping so I cleared it out and tried again with the same result. So I called the toll free number and was told that they have no items which ship for free. Eventually I was transferred to a "supervisor". I had to explain again what happened. I told him this was misleading information on their website. He said it was "just the way searches work" and "nothing can be done about it." When I told him that this was the third year I had been mislead and evidently charged shipping (as I evidently was last week). He said nothing could be done about it. I told him that they had fooled me three times but not again. So I canceled the ordered I was going to make tonight and told him that I would not be ordering from them in the future. He did not offer to correct the problem nor did refund any shipping to me in the past nor did he say he would make any allowance for the order I was going to place this evening.Desired Settlement: I believe this is deceptive advertising, it should be corrected at the least. I also think on the main page of the website it should clearly state that their no free shipping anyway on the site. When someone searches "free shipping products" nothing should appear in the result except maybe a statement saying that there no items on the website which are shipped free. I think I should receive the shipping charges credited back to y credit card or at least some type of discount another order.

Business

Response:

We received the correspondence from

the Revdex.com in regards to your order #[redacted] placed via

internet on 11/30/2013. We are sorry for any confusion in regards to your

search for free shipping items. We also completed the same search and find this

brings up all items that have the word free in the product name. We are sorry

if this was misinterpreted to be all free shipping

products.

Review: FRAUD. I have repeatedly disputed information for accounts I have never opened and they have not removed the erroneous information.Desired Settlement: Remove all the fraudulent account information off my FICO reports!!! I do not have ANY accounts with you nor ever heard of you or else I will sue!!!

Business

Response:

An electronic dispute notice was received on November 20, 2013 in which [redacted] alleged that these accounts were not hers. In response, the companies mailed an identity theft affidavit to her attention for her to sign and return. Upon receipt of the affidavit the companies will complete their investigation of [redacted]'s claim and inform her of their determination.

Consumer

Response:

Review: DIRECT CHARGE HAS CHARGED ME OVER $475.00 FOR VARIOUS ACCOUNTS THAT I DID NOT OPEN NOR DID I NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I'M A VICTIM OF ID THEFT AND FRAUD. THESE ACCOUNTS ARE AS FOLLOWS. DIRECT CHARGE, ASHRO, GINNYS, GRANDPOINTE, 7TH AVENUE, MIDNIGHT VELVET, SWISS COLONY, MASON, AND MASSEYS. I CONTACTED MY BANK, BANK OF AMERICA AND THE BANK STATED THAT I WOULD HAVE TO GO AFTER THE MERCHANT TO BE REIMBURSED FOR THESE FUNDS ON ACCOUNT NUMBER [redacted]. DIRECT CHARGE STATES THAT THE ACCOUNT IS CLOSED AND THERE IS NOTHING THEY CAN DO. THIS IS DISTURBING AND MUST BE RESOLVED IN A TIMELY MANNER.Desired Settlement: I DEMAND TO BE REIMBURSED FOR THESE FRAUDULENT CHARGES IMMEDIATELY.

Business

Response:

Direct Charge is a separate entity from the other companies Mr. [redacted] lists in his complaint. Direct Charge has coded the account opened in Mr. [redacted]'s name as fraud. The information regarding the account will be deleted from his consumer credit file and he will not be liable for payment of the account.

If Mr. [redacted] is alleging that someone used his checking or credit card account without his authorization, he will need to address those allegations to the appropriate financial institutions.

Review: Company provides a Credit Limit but doesn't allow customer to us. I've had Montgomery Ward and Seventh Avenue accounts over 2 1/2 years with a excellent pay history. Earlier this year my charge privileges were suspended because I placed too many orders and the account had more than enough available credit. I was advised to place huge orders instead of small orders to avoid my charge privileges temporarily suspended and there is available credit. When I applied for both accounts there wasn't any stated nor in the agreement which states the condition was to place huge orders instead of small ones. I placed small orders only to realize either there was a better product, design and price difference so I would cancel order and reorder. They blame this issue on their system but I feel the company tactics is to force the customers to place huge orders. It creates a larger dollar amount spent by customer to help their bottom line. Colony Brands companies should state in the agreement that "placing numerous orders will result in temporarily suspended charging privileges".Desired Settlement: I want my charge privileges reinstated immediately for further purchases. Or If they will not reinstate the ordering privileges for further purchases, both Montgomery Ward and Seventh Avenue accounts combined, close them and send me a consolidated bill to pay in full.

Business

Response:

Seventh Avenue and its affiliates have developed policies and procedures to comply with the Red Flag requirements of the Fair and Accurate Credit Transactions (“FACT”) Act of 2003. The FACT Act requires creditors to develop and implement policies and procedures to detect, prevent and/or mitigate fraudulent activity, including identity theft. Seventh Avenue and its affiliates have determined that order velocity – numerous orders placed in a short amount of time and/or a sudden increase in account activity – is a reliable indicator of increased risk of fraud, even (actually, especially) if the activity occurs across multiple titles.

Review: I received another letter this one states they have asked over and over for my payment with little or no response. I called them earlier this month when I received the last letter and told them I sent in 20 this month and next month I will send in another 20 like i'm supposed to. in this letter it states my credit reputation may be the difference in getting a job a bad credit reputation could be the difference between a job and unemployment and I have 10 days to pay. when I called them a few minutes ago I told them I will not be harrassed and my payment of 20 will be in the mail next month plus stated I am reporting them for harrassment. I will not be harrassed I told them. the last time I talked to them I told them if they are going to start harrassing me I want no contact from them. if I recieve another letter or phone call I will stop paying and they won't see a dime. I am disabled and don't work.Desired Settlement: stop harrassing me

Business

Response:

Montgomery Ward's records indicate Ms. [redacted] failed to make her scheduled monthly payment on or before her May 27, 2014 due date, and has failed to bring her account current since. The chronically past due status of her account has resulted in collection calls and the assessment of late payment fees. While the late fees were properly assessed, Montgomery Ward has, as a courtesy, credited Ms. [redacted] account to remove the late payment fees. This adjustment will reduce her account balance and bring the account current. The account will remain current provided Ms. [redacted] pays the scheduled payment amount on or before her November due date.