Colony Brands, Inc.

Review: They have failed to process my payments for several months. I received confirmation emails. My bank says they never sent the payment to process. They keep telling me my bank is refusing payment. When I called 5/20/15 they again told me my 2 payments I made this month were refused. I believe they are intentionally not processing payments to charge late fees.Desired Settlement: Refund of my late payment fees

Business

Response:

Montgomery Ward regrets any inconvenience Ms. [redacted] may have experienced as a result of this matter. Ms. [redacted] charge card payments were processed in the same manner as all other payments received by Montgomery Ward. The payments submitted by Ms. [redacted] on April 4 and April 17, 2015 were processed successfully. All other payments were returned by Montgomery Ward's payment processor with a code stating "Do not honor." Unfortunately Montgomery Ward is unable to provide any additional information regarding the declined payments. As a courtesy, Montgomery Ward has credited Ms. [redacted] account to remove all late payment fees. Since the account was paid in full on May 20, 2015, the credit balance of $20 created by this adjustment will be refunded to Ms. [redacted].

Review: On January 23,2015, complainant received call from an unknown source as identified on caller i.d. landline phone. After answering, a representative from said business asked for name of complainant. Complainant then stated that caller was unknown and asked for callers name in which caller became rude and unprofessional. After questioning and arguing with caller, caller then identified himself as Victor. Complainant then asked for callers number in which Victor once again became rude. After arguing with [redacted] stated he was calling from [redacted] In addition, the item purchased by complainant is priced 70 percent more compared to similar products from other online retailers in which this was discovered after the initial purchase of said business operating as Montgomery Ward at wards.com.Desired Settlement: Due to the blatant act of disrespect and unprofessionalism from [redacted] and the fact that an action of price gouging from said business by an increase of 70 percent compared to similar products offered from other businesses, complainant is requesting a full refund from said business known as Montgomery Ward and any and all items purchased in agreement by complainant from said business shall have the right to keep and possess said items for restitution for price gouging and unprofessionalism.

Business

Response:

Mr. [redacted] opened a Montgomery Ward credit account by placing an order that was posted to his account in November of 2014. He made one $20 payment in December and placed a second order in January of 2015. Mr. [redacted] account became delinquent when he failed to make the scheduled monthly payment on his account. A telephone call was placed to Mr. [redacted] home on January 23, 2015 and the agent asked to speak to the account holder. Mr. [redacted] refused to identify himself as the account holder, effectively preventing the agency from revealing any additional information regarding the purpose of the call. Please note that the price of the items Mr. [redacted] ordered was clearly disclosed before he made his purchases, as were the terms and conditions of the credit account, including the finance charge rate and late payment fees. Mr. [redacted] attempt to re-negotiate the terms of his purchase four months after the fact will not be accepted. Failure to pay the account in accordance with the terms of the agreement will result in the imposition of additional finance charges and late fees and may result in the furnishing of adverse information to the consumer reporting agencies.

Review: The company put a return label in the shipping box and failed to let the consumer know that if they use this label that their product will be sent back to them priority overnight shipping. A $39.00 flatware set cost me $106.00 to ship back to them via [redacted]. I contacted [redacted] and they told me the label was "coded for overnight shipping." [redacted] told me to contact the company I purchased the item from and try to work it out with them. When I contacted Midnight Velvet, they told me there wasn't any return labels in the box that I received, so I guess I just dreamed it up? They offered no help in settling the error made with the cost. [redacted] sent me a direct bill to pay also. I don't have $106.00 to pay for sending an inferior product back!Desired Settlement: Since it was their error, and I just returned to them using the label they supplied in the shipping box, I want them to pay the [redacted] shipping charges. I would gladly pay $10.00 or so to ship merchandise back, but not $106.00-that's just insane!!

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 6/6/2013 via

internet. We are sorry for any confusion regarding the return of the 20pc

Double Capped Flatware.

Review: I contacted Ginny's about an old account I had with them , that now shows on my credit report . The account has been paid in full , and I just want them to update/ stop reporting as un-paid or delete it from my credit report. Every time I call , I am put on hold for as much as twenty minutes at a time , get passed on to someone else or dissconected with no resolve. I honestly feel this whole situation could have been avoided if I would have recieved the product I ordered. I was billed for something I never recieved , so I did not pay the bill . The end result from them was they sent it , check with my postal carrier. I did they had nothing for me. The supposed debt eventually went to collections. Again I have paid more than in full and would just like it to be reported as such.Desired Settlement: I would like for them to update or stop reporting this as an un-paid debt to the credit beraus. thank you [redacted]

Business

Response:

Ms. [redacted] payment was received by Ginny's on March 31, 2014. The status of her account will be updated to "Paid in full, was a charge-off" with Ginny's next update to the consumer reporting agencies. The account information will not be deleted from Ms. [redacted] credit file until the consumer reporting agencies determine that the information is outdated - approximately seven years after the account was charged off.

Consumer

Response:

Review: Unauthorized and unwanted call with no identification of who was calling. Called a total of 3 times in same day back to back Asked for by name with intent of committing a scam.Desired Settlement: Reported to Revdex.com for their information and to stop unwanted phone calls

Business

Response:

Colony Brands has no record of calling the telephone number on the complaint. If Ms. [redacted] can provide additional information regarding her complaint, Colony Brands will investigate further. Specifically, Colony Brands requests the number from which the call originated, since Ms. [redacted] alleges no identification was provided by the caller.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

From: <[redacted]>

Date: Wed, Feb 19, 2014 at 12:01 PM

Subject: Re: You have a new message from the Revdex.com of Wisconsin

To: [redacted]

I wanted to provide the phone number information requested by Colony Catalogs. The call originated from [redacted]. The phone carrier is [redacted] Landline in Monroe, Wisconsin. The address is 1112 7th Ave. Monroe, Wisconsin 53566-1364. Thank you very much for your prompt attention to this matter.

Review: a stoneberry rep called me and was very rude. I advised that I would pay my bill if they waive the interest and late fees . this rep was rude and refused to waive the late fees and interest. she also refused to let me speak to a supervisor. I would like to speak to a supervisor or someone at the corperate office on this matter. the chair isnt even 4 months old and takes much time to heat up. how do they expect me to pay for something not working properly. im not paying again at $90 to ship it either. they just need to adjust my bill and ill service the chair elsewhere and pay my account up to date when they waive all the late fees and interest. I have called the company constantly and get hold wait times over 20 minutes or more. I get tired of holding and hang up. I wait for reps to call me and they are always rude and unhelpful.Desired Settlement: they just need to adjust my bill and remove the late fees and interest and the cost to ship the chair which was about $90 and ill service the chair elsewhere and pay my account up to date when they waive all the late fees and interest.

Business

Response:

We received the

correspondence from the Revdex.com in regards to your order

#[redacted] placed 8/30/2013 for the Rocking Massage Chair. We sincerely

apologize for any inconvenience with the Rocking Massage Chair. We wish you had

been in contact with us as soon as there was a concern regarding your

purchase.

Review: I have sent all the clothing back because it didn't fit, I received a statement from Monroe and Main in the amount of $88.57. When I called customer service / billing they our billing me for interest and the shipping not only I paid to have these products returned to Monroe and Main. Any other company that I have dealt with I paid for the shipping but the company paid for the return. This is poor business I should not have to paid for the shipping, interest and the return of their product.Desired Settlement: They are refusing to refund the total amount of $88.57 for items that I have returned.

Business

Response:

We received your correspondence from

the Revdex.com regarding your account. We apologize for any

misunderstanding regarding our return policy.

Our guarantee states: “If any item,

for any reason, does not meet your expectations, just return it to us within 60

days. Simply tell us your preference, and we'll gladly refund your merchandise amount, credit your account or

issue a replacement.” This can be found on our website in Customer Service

Questions & Answers. Shipping and processing is not automatically credited

which is a common practice in the catalog industry when a product is returned

because the item did not fit, the customer did not like the product, or the

customer changed his or her mind. As a one-time courtesy, we have credited

shipping and processing totaling $55.80.

Additionally, your orders were

returned using the Smart Label option. This option is provided by Monroe &

Main as a customer convenience at a cost of $7.95 per label, which is charged to

your account when the item is returned. This information is clearly disclosed on

the return label. Our records indicate that a total of four Smart Labels were

used to return your orders. We have credited your account for all four labels as

an additional one-time courtesy. Any finance charges and late fees that were

added to the balance will automatically drop off the

account.

We hope this information has been

helpful to you. We appreciate the opportunity to explain. Sincerely, Monroe

& Main

Review: I recently made a purchase for my mom's anniversary from this company. When she received the item it was actually a little tight and we decided to return the item. Upon returning it, we paid for shipping back to the company. Once the item was received, I was only credited for the item. I feel the company should have credited me for the entire amount. I will not be ordering from this company ever again and will be sure to let friends and family know that be careful to place orders with this company. I am out of $25 for merchandise I could not use.Desired Settlement: I would like my money placed back on my credit card.

Business

Response:

We received the correspondence from the Revdex.com in regards to your order [redacted] placed 2/17/2016 placed via internet. We are sorry for any disappointment with your order for the Jacquard Suit.

Your order was promptly credited for the price of the suit upon receipt of its return. 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 Monroe & Main guarantee is listed on the order blank in the center of the catalog or online under Customer Service/Help and states, “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. Simply tell us your preference, and we’ll gladly refund your merchandise amount, credit your account or issue a replacement.”

We have, as a courtesy, issued credit to your card for the shipping and processing charges. Please allow two to four days for this to be reflected on your card. We regret any disappointment, but appreciate the opportunity to explain. Your business is important to us and we hope you’ll give us another chance to serve you. Sincerely, Monroe & Main

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 opened this account in Jan 2010, the high balance was $380. When I started going through a divorce shortly after this, I did in fact fall behind on my payments. However, when I was in a position to fix this, I called and asked if I would be eligible for a settlement on this account. After speaking with the customer service department it was agreed that I would pay about $210 to settle the account for less than the full balance, but I would owe nothing further. This payment was sent via money order, the amount was taken off the balance, but the balance remains and still shows on my credit as $170 past due. At this point I am capable of paying that amount, however, there was a settlement agreement made and the company did not honor it. I am trying to buy a house, nearly 4 years later and this is still effecting my credit. (Last name at time of account was Stacey)Desired Settlement: I would like the company to review my account and see that a settlement was agreed upon and honor that. I have already paid what we had agreed on nearly 3 years ago. I would like this to be entirely removed from my credit file. This has an extremely negative impact for something that I settled.

Business

Response:

[redacted] communicated with, and made her payment to, a third party collection agency in 2010. The agency did not indicate the payment Ms. Foushee made was in settlement of her account. Seventh Avenue no longer uses the agency to which [redacted] account was referred. Under the circumstances, Seventh Avenue has elected to change the status of [redacted] account to "settled for less than full amount." The outstanding balance on the account will be written off so that it will no longer appear on her consumer credit report. Ms. Foushee should be aware that it may take up to 30 days 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. I appreciate your time and consideration.

Review: I currently have three accounts on my credit report from this company. I sent them a dispute letter and a dispute letter to each of the credit bureaus. They failed to provide verification on this account and did not mark the account as in dispute which is a violation of the Fair Credit Reporting Act. The accounts are: Ginny's - [redacted];

Monroe & Main - [redacted]; and Montgomery Ward - [redacted].Desired Settlement: I am entitled to $1,000 per violation of the FCRA. Or they can delete these accounts from my credit report in lieu of paying.

Business

Response:

Each of the companies responded to the consumer reporting agency from which they received a dispute, in accordance with the requirements of the FCRA. Absent allegations of specific errors in the information furnished to the consumer reporting agencies, the companies are unable to respond more specifically to Ms. [redacted]' complaint. At this point the companies have no reasonable basis for altering or deleting the account information from Ms. [redacted]' credit file.

Review: MW claims that they have buy now. PAY LATER well they ate not honoring thst requestThis is an online shopping MW Montgomery wards needs to comply with there statementAlso mw needs to change there credit policy and stand buy BUY NOW PAY LATER policyI will take legal actionDesired Settlement: DesiredSettlementID: Other (requires explanation)

,I want credit and my order I can pay

Business

Response:

Mr. [redacted] did not receive a pre-approved offer. The invitation to apply that Mr. [redacted] recieved clearly indicates that receiving an account is depenednt on the customer meeting the criteria established by Montgomery Ward. Mr. [redacted] submitted an application and was not approved.

Consumer

Response:

Review: I made my payment at the beginning of July as always and I print off a copy of my receipt. When I did it had the wording "pending" on it so I contacted Seventh Avenue immediately by phone to make sure there was no trouble with my payment going through and I was told that there was no problem and that my payment would be made within 24 to 48 business hours. I kept a check on my bank account and the funds were withdrawn as stated and I was no longer concerned. Then I began receiving phone calls that my account was past due, which it wasn't, and that is what I answered. Then I received a statement that my account was $35.00 past due which made me really angry. Unfortunately, at this time my brother was in the hospital with a stroke and family was called in because he was dying. I contacted Seventh Avenue and told them just what I'm telling you and told them my funds were on their side of this payment, to find them and get them applied to my account. I have paid my $40.00 payment this date and an additional $30.00 to bring my account "current" and to stop them from damaging my credit rating. However, in doing so again the "pending" is showing on both these payments so I have now got the worry again that my payments may be extracted from my checking account and lost on their end as my previous payment was!Desired Settlement: I want the $30.00 I just paid them refunded to me as I do not owe it. I want the $40.00 found on their end and credited to my account as it should have been at the beginning of July. If this continues I realize that I shall be forced to obtain an attorney and sue them to get my funds back and protect my credit and no longer go through you. But for now I ask your help in this matter to return my $30.00 to me.

Business

Response:

Seventh Avenue has no record of receiving an internet payment from Ms. [redacted] between June 5, 2014 and August 5, 2014. Seventh Avenue has records of multiple internet and IVR payments from Ms. [redacted] dating back to December of 2011.

Review: Company showed up on my credit file recently. I paid the alleged debt. I asked for a receipt of my transaction and have been told by two different company representatives that a receipt would be emailed to me. I called again today and was told they could not email receipts.Desired Settlement: I want a receipt emailed to me at [redacted] If I do not get one I will contact the CFPB for unfair practices.

Business

Response:

Midnight Velvet mailed a payment receipt to Ms. [redacted] attention on August 1, 2014.

Consumer

Response:

Review: It would be easier if I just include the letter I wrote them concerning the matter:

I just found out again that my order I redid on 12-4-15 is also being put on hold because apparently your saying there's still a freeze on my credit report after I spent two days last week calling all 3 credit bureau's and they all told me that there WAS NO freeze on my credit report. So who am I to believe and what am I'm to do?

Like I've told you, in all the years I've done business with you, I've never had a problem and plus, why not only pre-approve me for credit, but also just raised it three weeks ago. I always thought pre-approved meant you were approved for whatever it is your trying to get. Plus I've been using it for years now. The latest was just last year. You seem to have a strange way of doing business now and I don't think it's right. Especially seeing I've been a member for some time now and never had a problem and even ordered last year and didn't go through any of this and nothing has changed in my life from then and now. So I don't get it.

Thanks again for a wonderful Christmas. I hope you enjoy yours!!

So basically they turned me down because they said I had a freeze on my credit report and was told to call them and have it lifted and then they could process my order. But like I told them, I called all 3 credit bureaus and they all said I didn't have a freeze on my report, so I don't know where their getting this information or what else I can do. I told them that equifax who they did the search through that when I talked to them, they told me that if there was still a problem with me getting the credit to have Swiss Colony call them, but Swiss colony told me they couldn't do that. I just don't understand why I'm having this problem now when I've never had a problem with them and I've been a customer of theirs for some time.Desired Settlement: I just want what I ordered as I have in the past.

Business

Response:

Ms. [redacted]' issues regarding a credit freeze on her file have been resolved. Her most recent order with Montgomery Ward was processed and a down payment was requested based on her credit history and the fact that she does not have a pre-approved limit with Ward's. Any orders Ms. [redacted] places within her credit limit with Swiss Colony should not be held due to the credit freeze issue.

Consumer

Response:

I have been ordering products from Midnight Velvet for several years. I received notice that I had a 5 Star rating with them and over a 3 thousand dollar credit limit. I recently ordered products and had them shipped to the address that I have always used with this company. I get a letter in the mail saying that they now have a problem with that. I called and got that resolved and received my products. I ordered more products for Mother's Day gifts not going over my available credit and ask that they charge my account. I get another letter in the mail saying that I must now pay cash for the products. What happened to my 5 star rating and available credit limit? The lady on the phone could not tell me anything but a problem with my shipment address and she didn't see anything else. why WHAT is going on. I have never missed a payment and always paid my balances out in the past. I don't want the last ordered products now and want nothing else to do with this company. I do want an answer why give me the credit then take it away without notice.

Review: A few months back I had placed an order with Seventh Avenue for a digital camera. After receiving it, the quality was not what I expected and I sent it back to the company,and I paid for the shipping and handling. They continued to send me a bill after I had sent the order back. They finally acknowledged and credited my account. Then they sent me the next month another bill for $22.96 and never listed what this was for.

I finally got to talk to this company over the phone and they told me the amount listed was for, "shipping and handling charges for sending me the camera I had ordered, (the one that was returned at my expense). And I told them I would not pay for this as the reason for the charges was never listed on my statement and I feel unfair practice.Desired Settlement: I do not feel that I should be charged $22.96 for an item that I found to be poor quality and that I shipped back at my expense.

And I was never informed that if I did not like the item, I would still have to pay the initial S&H charges if I returned it.

Admit it is a mistake and credit my account or show proof of the charges.

Business

Response:

We received the correspondence from

the Revdex.com regarding your order #[redacted] placed 1/20/2014 via

mail. We are sorry for any confusion regarding your account

balance.

Upon receipt and processing of your

order a confirmation email was sent showing your Order Acknowledgement with

listing of the Waterproof Camera along with the shipping and processing. Our

guarantee is listed on the order blank in the center of the catalog or online

under Customer Service/Help and states, “If any item, for any reason, does not

meet your expectations, just return it to us. We’ll gladly: refund your

merchandise amount, credit your account, or send a replacement (if available).

Your complete satisfaction is guaranteed!”

The camera was promptly credited $99

on 2/13/2014 for the merchandise amount upon the returns processing. 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.

As a courtesy, your account has been

credited the shipping and processing along with the finance charges incurred.

Please allow twenty four to forty eight hours for your account to reflect a zero

balance. We regret any disappointment, but appreciate the opportunity to

explain. Sincerely,

Review: I am being harrassed by this company. I receive daily telephone calls from their collectors, sometimes more than once, and inappropriate, threatening form letters stating my credit history is to be destroyed by them. I owe this company $20.00. I've told them, many times, I will pay my balance as soon as I can. The unfaltering annoyance and disrespect of Ginny's to secure payment has lost me as a customer. The tactics they have used for me to submit my paltry payment due are worse than going through foreclosure of my home (which I've endured, and solved).Desired Settlement: I no longer wish to have any contact with this company. Moreover, there are hidden fees attached to a purchase. Simply, I bought a pair of shoes for about $60.00 and had to agree to around the cheapest $13.00 S/H fee. But around a $75.00 total due which I had anticipated alarmingly turned into around $100.00. I suspect I've no recourse in this matter as I failed to read the fine-print with my magnifier. Also, how is this company affording the overwhelming and exorbitant costs of collection? It all may be but pennies to others, but each and every coin matters to me.

Business

Response:

We received correspondence from the Revdex.com

regarding order #[redacted], which was received via mail on 2/3/2015.

Please accept our sincere apology for any disappointment you encountered with

our company for your order for the Dance Shoes.

Upon reviewing your order we discovered that your shipping

preference was keyed incorrectly and, as a result, an expedited shipping charge

was added to your order. We have forwarded this information to the proper

department for their review. Additionally, the representative will be notified

and additional training will be provided.

Please accept our apology for this error.

We wish you had notified us sooner of your concerns so that

we could have corrected this issue before your credit account became past due.

Failure to pay your account as agreed resulted in the assessment of finance

charges and attempts to contact you regarding your delinquent account. We

regret any inconvenience you may have experienced as a result of these calls.

However, we believe the calls were within the requirements of all applicable

laws.

In the interest of resolving this complaint we have credited

your account to remove all shipping and processing charges. We have also

adjusted the account to remove all assessed finance charges. The result of

these adjustments will be a credit balance of $10.05 (Merchandise cost of

$69.95 - $80 in total payments). The balance will be refunded to you within the

next seven to 21 days.

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: Hello, My Name [redacted]. while checking my credit report I noticed that I had a collection from Ginny's ( Colony company). It is showing as account number [redacted]. I have never ordered from this company and they have a collection account on me. This is a company that mails out catalogs to people with account numbers on them. I assume that someone else got this catalog. I know that this is not my account and it needs to be deleted from my credit report.Desired Settlement: delete from credit report

Business

Response:

Mr. [redacted] placed an order with Ginny’s on August 16, 2010. The item he ordered, a 5 pc dining set, was delivered to [redacted]. Shipment of the item was delayed by the vendor until December 9, 2010. Ginny’s contacted Mr. [redacted] on multiple occasions to secure his agreement on the delayed shipment. When the item was shipped it arrived damaged. Ginny’s shipped replacement to Mr. [redacted] home on January 6, 2011.

Review: In March 2014, I sent in a payment with the memo saying, paid in full . The check was then accepted by Ginny's and now Ginny's is threatening to send to credit agencyDesired Settlement: My account to be cleared and my credit not hurt

Business

Response:

Ms. [redacted] should review the terms and conditions she agreed to when she opened her account in April of 2012, which read in pertinent part:

You agree not to send us payments marked “paid in full,” “without recourse,” or with similar language. If you send such a payment, you agree that we may accept it without losing any of our rights under any agreement between you and us. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes “payment in full” of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount, must be mailed or delivered to Special Account Handling, 1112 7th Ave, Monroe WI 53566. No payment will operate as an accord and satisfaction without the prior written consent of one of our senior officers.

Review: They have called me numberous os times saying I owe money when I have been paying them every month on time. In may they said that I didnt send them a payment for thst month so I se.t them two payment for may and june. On june 4th they said that they didnt get a payment gfor may or june.Desired Settlement: Being able to pay on time on time till my bill is paid off

Business

Response:

Ms. [redacted] provided an account number with her complaint. The account she identified was not issued to [redacted]. Ginny's is unable to address the specifics of the account without the consent of the account holder. Finally, Ginny's was unable to locate an account in Ms. [redacted]' name.

Consumer

Response: