Colony Brands, Inc.

The affidavit Ashro mailed to Ms. [redacted] attention in September was returned as undeliverable. As a result of the delay, Ashro has elected to request deletion of the account information from Ms. [redacted] consumer credit file. This change could take up to 30 days to appear on a...

consumer credit report.

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

Our records indicate on 9/30/14 we received a Customer Review regarding your disappointment with the products you had received.  We sent an email to you the same day asking if you would prefer a discount to keep the items or the option of receiving a prepaid mailing label to return at no...

charge. Unfortunately, there was no response to the email.  Our system notes there were several internet inquiries (which means you viewed the order online).  When we received the emails on 12/11, requesting the 25% discount on merchandise received, it was promptly issued for each of the four orders, in the amounts of $8.99, $37.49, 12.36 and $29.99.  These will be reflected on your next statement. Our guarantee is listed on line under Customer Service/Help or on the order blank in the center of the catalog and states, “Satisfaction Guaranteed.  Every product.  Every day.  All the time.  You deserve worry –free shopping.  If you’re not 100% satisfied with your purchase (at any time, for any reason) just return it.  We’ll refund your merchandise amount, credit you account or issue a replacement.  It’s that simple.”   Finally, you were provided with the terms and conditions, including the applicable finance charge rate, at the time you opened your account. You were required to accept those terms and conditions in order to open your account. You can avoid any further finance charges by paying the full balance on your account on or before your next due date. You will not, however, receive a credit for any finance charges previously assessed; and finance charges will continue to be assessed for each billing cycle in which a balance remains on your account.  Thank you for bringing this to our attention.  We value our customers and look forward to serving you better in the future.  Sincerely, Ginny’s

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

From: [redacted]Date: Mon, Dec 8, 2014 at 7:09 AMSubject: Re: Seventh Avenue Delayed Shipment Notice for Order...

[redacted]To: [redacted]Cc: [redacted]To Whom It May Concern:I am extremely frustrated and disappointed in your company and its inability to meet customer demand.  Christmas comes each and every year and it's the busiest (and most profitable) shopping season of the year.  A reputable, professional company prepares for this by making sure that sufficient quantities of inventory are on-hand for customers and meets its commitments when orders are placed.  The Revdex.com Code of Advertising Section 7(F) (see attached) states this clearly.  Seventh Avenue used to meet my expectations every time I shopped there, but not this year.  One item is understandable as an oversight.  Four unavailable sale items in the same order begins to look deceptive.I placed my Christmas order at the end of November to take advantage of your advertised sales (like many others).  At that time, everything I ordered was in-stock and available to ship in time for Christmas according to your website.  Had I shopped in a traditional "brick and mortar" store, I would have had these items in my hand at checkout and in my car moments later.  Other online stores I order from have had no problem fulfilling my orders.  With your company, all I had in my shopping cart were phantom items that vanished a week after I checked out.I have to date received four emails from you informing me that items I ordered for my children are not in stock, not available and will not ship until January or February.  You ask if I want to keep these orders or cancel.  What I want is for you to meet your obligation to me and fulfill my order in time for Christmas!  An "IOU" or back-order email makes a terrible gift for little kids on Christmas morning!As it is now two weeks from Christmas, I cannot order these items from another store in time for Christmas.  I relied upon Seventh Avenue and your family of companies (Wards, Country Door et al) as I have in years past for my Christmas shopping needs.  The items that are not in stock were the "big" gifts for all of my children, who will now look up at me on Christmas morning and ask why Santa didn't bring them the things they asked for.  I am waiting to see more of these "delayed shipping notifications" informing me that this year, disappointment and tears are what we have to look forward to on Christmas morning.Thanks for letting us down.  I have filed a complaint with the Wisconsin Revdex.com (see attached), contacted the complaint department at the Federal Trade Commission and my local television news consumer investigator.  My desire is that this does not happen to anyone else and that your company honor the commitments it makes at point-of-sale.Sincerely,[redacted] 01/15/15 02/04/15 DW37210 Action Fire Engine Ride-on Toy[redacted] 01/05/15 DW714040 Plush Character Throws[redacted] 12/26/14 DW715520 LeapPad2 Custom Edition Kids Learning Tablet by LeapFrog[redacted] 12/26/14 DW715520 LeapPad2 Custom Edition Kids Learning Tablet by LeapFrogShip to Arrive by: Christmas`On Mon, Dec 8, 2014 at 5:33 AM, Seventh Avenue <[redacted] wrote:If you can't see the images in this email, please click here.Shop NowCheck Your AccountPay Your BillContact Us Thank you for shopping with Seventh Avenue
Your order number is [redacted]
[redacted]
[redacted]
[redacted]
DEAR [redacted] ORDER NO: [redacted]
12/08/2014 11
We're very sorry, but we won't be able to ship the following item as
soon as we'd like.
Recipient Contact Us By Revised Ship Date Item Description
[redacted] 01/15/15 02/04/15 DW37210 Action Fire Engine Ride-on Toy
If you'd like to keep this item on order, please contact us. If we
have not heard from you by the date(s) above, and we have not been able to ship
this item by then, by law we must cancel this item and make any adjustment
necessary. If you know you don't want to wait, simply reply to this
email, call us at 800-395-8631, or visit us on the web using the order link below.
We'll make any necessary adjustment to your account promptly.
If you choose to call us, please be sure to have your order number
ready for faster processing.
We're very sorry for any inconvenience this causes.
You can check your order via the internet at:
http://www.SeventhAvenue.com/user/get_order.cmd?orderNumber=51486513&lastNam...⇄

We received your correspondence
from the Revdex.com regarding order #[redacted] received via mail [redacted]. We apologize for any misunderstanding regarding your
refund.
Our records indicate that you
submitted a money order in the amount of $722.00 as remittance for your order....


Once your order was adjusted to reflect the items which were no longer
available, your order total came to $225.80. This left an over payment of
$496.20.
Two previous orders were charged
to your Ginny’s credit plan which, as of 10/1/2014, had a balance of $228.79.
This balance was deducted, leaving you with a refund of $267.41. A refund check
in this amount was issued 10/13/2014 and usually arrives within seven to ten
business days.
We received a customer service
call [redacted] checking on the status of your refund. During this call, the
representative overlooked the information indicating that a check had been sent
the previous day. We regret that the correct information was not communicated to
you at the time of your call. We have forwarded information about this error to
the departments involved to prevent any future
recurrence.
We hope this information has been
helpful to you. We look forward to the opportunity to serve you better in the
future. Sincerely,Ginny’s

[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.]
Revdex.com:
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 will contact the Revdex.com if I hear from this business again.
Regards,
 
[redacted]

We received the correspondence from the Revdex.com regarding order #[redacted], which was placed 7/12/2014 via internet for the 7” Ultrabook.  We are sorry for any confusion regarding your account balance.
 
In accordance with the Ginny’s return policy your account was...

promptly credited $219.99 for the item cost upon completion of the return on August 5, 2014. 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; changed his or her mind; or the item did not fit. Our guarantee is listed on the order blank in the center of the catalog or online under Customer Service Help and states, “Satisfaction Guaranteed.  Every product.  Every day.  All the time.  You deserve worry-free shopping.  If you’re not 100% satisfied with your purchase (at any time, for any reason) just return it.  We’ll refund your merchandise amount, credit your account or issue a replacement.  It’s that simple.”
 
Our records indicate you returned the Ultrabook using the Smart Label option.  This option is provided by Ginny’s as a customer convenience at a cost of $7.95, which is charged to your account when the item is returned.  The cost of this option is clearly disclosed on the return label prior to use.
 
A balance of $36.90 remained on the account after the return was completed which, when it was not paid, resulted in the assessment of late payment fees, finance charge and calls and letters seeking payment on the account.
 
We have, as a courtesy, issued credit for the shipping and processing charges on the original order; the Smart Label return fee; late fees, and finance charges.  We regret any disappointment or inconvenience, but appreciate the opportunity to explain. Your account now has a zero balance. Obviously, no further calls will be made regarding payment of the account balance.

According to the laws of the state of New York, a late payment fee on a consumer credit account cannot be assessed until the payment is 10 days past due. A payment of $10 was due on or before February 5, 2015, which Ms. [redacted] failed to pay on or before the due date. A new billing statement was...

prepared and mailed to Ms. [redacted] attention indicating a payment of $19.15 was due on or before March 5, 2015. A late payment fee of $10 was assessed on February 17, 2015, when no payment was received by the end of the 10 day waiting period required by the state of New York. Ms. [redacted] payment of $19.15 was received on February 18, 2015, leaving a balance of $10 on the account. Swiss Colony has credited Ms. [redacted]'s account to remove the late payment fee. The account now has a zero balance.

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

Revdex.com:
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.
I won't accept any resolution until I personally see this account taken off of my credit report.
Regards,
[redacted]

While Montgomery Ward believes the information it has furnished accurately reflects the payment history and current status of Mr. [redacted] account, in the interest of resolving this complaint a request has been submitted to the consumer reporting agencies to delete the account information from...

his consumer credit file. This change may take 30 days or more to appear on a consumer credit report.

We received the correspondence from
the Revdex.com regarding orders placed in September and October. We
are sorry for any confusion regarding your returns and consequent
billing.
Our records indicate three orders
were placed and per your request this information was mailed to...

you on
1/24/2015.
Order #[redacted] placed 9/17/14 for
$332.83 included the Jazy Jacket Dress, Elizabeth Hat, and the Magnolia Faux Fur
Wrap. The dress and hat were returned as difficult to assemble. After
processing, the order was credited for $279.90 10/7/2014. There are no return
records for the Faux Fur Wrap.
Order #[redacted] placed 10/17/2014
for 151.90 for the Fanny Hat was returned using the Smart Label return option
11/4/14 as not liking the features and after processing was credited for
$129.95.
Order #[redacted] 10/17/14 for
$214.90 placed 10/17/2014 for the Feria Wardrober was returned using the Smart
Label return option and processed 11/5/2014 for credit of
$189.95.
We promptly credited your account
for the prices of the items upon receipt and 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. 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.”
Two Smart Labels were used to return
items. This is an option we offer to our customers as a convenience at a cost
of $7.95 each to be applied to your account when returned. This information is
clearly disclosed on the return shipping label. We have as a one time courtesy,
issued credit for both Smart Labels, and the original shipping and processing to
your account.
Records show one payment of $79.30
was submitted on 2/2/15. For future reference, please note that a payment is due
on your account each month that it has a balance. Your intention to return an
item does not exempt you from the need to make a payment. Failure to make the
required payment on time and in full results in the imposition of finance
charges and late fees, increasing the balance due on the account. Currently
your account reflects a $54.05 credit balance which will be refunded within the
next seven to fourteen business days. The remainder of your payment was for the
Magnolia Faux Fur Wrap.  Sincerly, Ashro

Revdex.com:
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.I would like a summary
of  the last two orders that she mentioned mailed to me. I would like a history of my account from start date mailed to me,and accounting of all payments to them. I need to see what was ordered. I do not recall any orders after returns. 2012 health failed. Didn't order anything since, So I need proof of what she's saying and see if it was actually me. She can contact me directly at my email, [redacted]  or my home address, which she should have with this information. I need verification Please and Thank you.  I w[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Ms. [redacted] had a credit account with Midnight Velvet, Inc. and
another credit account with Ginny’s, Inc. , two separate entities that
independently extended credit to Ms. [redacted].
The Midnight Velvet account was charged off due to
nonpayment on August 17, 2011; the Ginny’s account was...

charged off on August
26, 2011. Ms. [redacted] settled her Midnight Velvet account in March of 2013 by
paying 80% of the outstanding balance. Two months later, in May of 2013, Ms. [redacted] settled her Ginny’s account by paying 50% of the outstanding balance. The information
furnished to the consumer reporting agencies accurately reflects the status and
history of these accounts. Two trade lines appear on Ms. [redacted] credit report
because two different accounts were opened, charged off and, ultimately,
settled.

We received the correspondence from
the Revdex.com regarding your orders #[redacted] both placed November 19th, 2014. We apologize for any confusion
regarding the subsequent return of the wigs and your account
billing.
In accordance with Ashro’s return
policy your...

account was credited for the merchandise price of the wigs upon return
on 12/25/14 and 12/30/14. Your account was not credited for the shipping and
processing charges, as they are not credited 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. Billing and return information for wigs is listed on the order blank
in the center of the catalog or online under Customer Service/Help. Further,
when orders are placed by phone information is given to the customer stating:
If they are not completely satisfied and must return the wig for an exchange or
refund, you may do so within 30 days of the invoice date. There will be a 30%
restock fee on all wigs returned for a refund; this will be deducted from your
refund amount.
Additionally, the [redacted] Wig was
returned using the Smart Label Option. This option is provided by Ashro as a
customer convenience at a cost of $7.95 which is charged to your account when
the item is returned. This information is clearly disclosed on the return
label. Your account balance incurred finance charges when payment on account
was not received in a timely manner.
We have, as a one time courtesy,
credited the restocking fees, smart label fee and finance charges. Your account
will reflect a zero balance within the next forty eight to seventy two hours.
We regret you were disappointed, but we appreciate the opportunity to explain.
Sincerely, Ashro

Seventh Avenue received an internet order and request for extension of credit on August 29, 2014 in the name of Ms. [redacted], with a ship to address in Elmwood Park, IL (which Ms. [redacted] indicates is her sister's address). Seventh Avenue identified the order as potentially fraudulent and, as a...

result, shipment of the order was suspended pending verification. Ms. [redacted]'s sister did not  receive a bill or notice of collection from Seventh Avenue. She received a notice indicating an order to be shipped to her address had been identified as possibly fraudulent and that payment in full would be required before the order could be shipped. No information regarding this matter has been furnished to a consumer reporting agency.

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.

Revdex.com:
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.
I do not accept this response.#1 Experian shows velvet did a "hard inquiry"#2 Colony Brands lists Figi as a subsidiary on their website. Figi was also an inquiry on Experians report. I have disputed this with credit reporting agencies and joined an online blog re Figi. We've never heard of them but find them on our credit reports
Regards,
[redacted]

We received the
correspondence from the Revdex.com regarding your order #[redacted]
placed 2/23/2015. A refund check in the amount of $215.80 was mailed to your
address on 04/01/15. Please allow 7 to 10 days for the check to
arrive.

We apologize that the
item you ordered was...

no longer available and for any inconvenience you have
experienced. Sincerely, Ginny’s