Colony Brands, Inc.

We received the correspondence from the RevDex.com regarding a return of Red Buckle Mesh Slides. We are sorry for any
inconvenience you have experienced regarding your return or phone
calls. 
After extensive research, records indicate the shoes
were from order #[redacted]...

placed 9/28/2009. Unfortunately, we have no record
of attempts to contact us, as there are no active orders in our system, on which
to make comments. 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 does not include the
original shipping charges or the return shipping
charges.”
We wish you had been in contact with
us prior to the return, as our returns processing center’s address is: [redacted], and we would have been able to
relay this information. It is entirely possible the slides were returned to a
supplier, who did not have record of the order due to the belated
return.
We have as a one time courtesy,
issued credit for $29.95, even though we have not received the returned product
at our facility. Your refund will follow within the next seven to twenty one
days. We are sorry for any confusion, but hope you will keep the above
information in mind if there are any additional concerns. Sincerely, Ashro

[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]
 
Thank-you very much for your help!!!!!! I'll give a follow up with the company to pay my bill...... With gratefulness!   [redacted]

[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.  However, if I do not receive it with in the 7 to 10 days, I will be filling another complaint
Regards,
 
[redacted]

Revdex.com:
I have received my total refund from Ginny's in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  THANK you for your assistance.  
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards         
[redacted]
 
I talked to them on Tuesday and they told me that they processed the check on 9/12/14 not 9/3/14.  This businesss is not being forthcoming and I specifically requested that they put it in my account as I paid with a debit card.  They told me that I did not pay by debit card I paid by check.  This company is not honest.  I wanted my check in my account.  I returned the merchandise on 8/18/14 not 9/2/14.  They are holding my funds "hostage" and I want that addressed.

Return shipping labels were sent to Mr. [redacted] attention on September 2, 2016. Seventh Avenue has not furnished any information regarding this account to a consumer reporting agency. Mr. [redacted] address will be added to Seventh Avenue's fraud file to prevent any future shipments to his home.

[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]

Ginny's does not offer or accept deletion of account information in exchange for payment of a delinquent account. Ms. [redacted] account was charged off as a loss in July of 2009. When she paid the account in full in November of 2012 the status of the account was updated to reflect...

the pay off. The information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the account.
Nonetheless, under the circumstances and given the small balance on the account. Ginny's has elected to request deletion of the account information from Ms. [redacted] credit file. Please note that this change may take up to 30 days to appear on a consumer credit report.

Ginny's has attempted to contact Ms. [redacted] mother regarding this issue, but has not been successful. As a result, the order has been coded as fraud and the account closed. No informaiton regarding the account has been furnished to a consumer reporting agency.

Ms. [redacted] should be
aware that a consumer’s name and address do not constitute personal
information. Retailers and creditors, like Ginny’s, may obtain a consumer’s
name and address from a wide variety of sources.
Secondarily, Ginny’s
did not pre-screen Ms. [redacted] for the purposes of...

extending an offer of credit.
Ms. [redacted] was sent an invitation to apply for a credit account. The material in
the catalog clearly states “All credit orders subject to final credit approval.”
Finally, with regard
to the inquiry on Ms. [redacted]’s credit report, such an inquiry occurs as the
result of a consumer initiated credit transaction. Ms. [redacted] placed an order
through Ginny’s web site on January 27, 2015. To complete the order Ms. [redacted] would
have been required to navigate the two screens pictured below.  The first page allows the consumer to choose a
method of payment, included opening a new Ginny’s Choose ‘n Charge account.
Please note that the option to pay by credit card also appears on this page.
The second screen
appears after the consumer has elected to open a Choose ‘n Charge account. In
order to complete the application process, the consumer must accept the terms
and provisions of the account, including providing consent for Ginny’s to
obtain a copy of the consumer’s credit report.
Since the transaction
was clearly consumer initiated, and consent was given to obtain a consumer
credit report, there is no basis for deleting the inquiry from Ms. [redacted]’s
consumer credit report.

Ms. [redacted] failed to pay the required monthly payment due on her account on or before May 5, 2014. When payment was not received by May 19, 2014 a late payment fee was assessed in accordance with the laws of Ms. [redacted] state of residence. Ms. [redacted] payment of $45.30 was...

received and posted to her account on June 2, 2014, leaving an unpaid balance of $10. Finance charges were assessed on the outstanding balance for each month in which it remained unpaid. As a courtesy to Ms. [redacted] Swiss Colony has credited her account for the late payment fee and accrued finance charges. 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]

We received your correspondence
from the Revdex.com regarding order #[redacted] processed via mail
9/5/2014. We are sorry the two chair protectors and the sofa protector did not
meet your expectations.
Our records indicate that the
first statement closing date on your account after your order was placed was
9/22/2014. This is also when the first statement would have been mailed. Because
no payment was made by 10/20/2014, the first date that a payment was due, a
$10.00 late charge was added to the account. Payments in the amount of $20.00
continued to be processed in the following months, but the account still
reflected a past due balance of $20.00 so late charges continued to accrue.
Additionally, finance charges have been added to the account each month as
normally occurs each month the account carries a
balance.
Due to the defects in the
merchandise you’ve received, we have given you a fifty percent discount of
$44.94. Subsequently, this credit should bring your account up to date and cease
all collection calls. Your remaining balance owed will be $29.96. Please note
that as long as payment is received prior to your due date of the twentieth, no
further late charges will be incurred.
We hope this information is
helpful to you. We appreciate the opportunity to explain. Sincerely, Ginny’s

The companies have no record of receiving a copy of the fraud affidavit from Ms. [redacted]. In lieu of mailing another copy of the form, however, it would be much quicker if she could scan the document and submit it as an attachment to this complaint.

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.
Seventh Avenue’s records indicate Ms. [redacted] placed multiple orders on the same day, which triggered a Red Flag, causing all orders to be held.
Seventh Avenue regrets any inconvenience Ms. [redacted] may have experienced as a result of this matter, but Wards believes that its policies are effective at reducing the incidence of fraud and that they comply with the requirements of federal law.

We received the correspondence from
the Revdex.com regarding your order #[redacted] placed 12/6/2014 via
internet. We are sorry for any confusion in regards to your down payment
refund. 
Our records indicate when the Plush
Throws became no longer available; the $30.69 was...

applied to your account with
Swiss Colony reducing your account balance from $217.05 to $186.36. We
apologize if this was not what you anticipated. We are currently in the process
of honoring your request for the refund to be returned to you. In doing so,
your account balance will be adjusted back to $217.05, and the refund will be
returned to your card within the next two to three business days. 
Thank you for bringing this to our
attention. Every effort will be made to prevent any recurrence. We appreciate
the opportunity to explain and hope you’ll allow us the opportunity to serve you
better in the future. Sincerely, Swiss
Colony

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.

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 completely disagree with the response that I was told that my account was charged off.  In fact eventually I was contacted by a collection agency who said that they were collecting on behalf of Montgomery Wards.  After which the conversation went bad really quick because they were extremely disrespectful, and I refused to continue the conversation. After I hung-up I called Customer of Montgomery Wards immediately, and I explained my unpleasant experience with the agency they had chosen to collect... I than explained to a rep of wards, because I refused to deal with the agency, I would go into my account and pay directly.  I was told that would ok, so I did exactly that.  If my account was sold, I should have been told no I couldn't that I needed to pay directly to who they claim the account was sold to.  I was never not able to access my Wards account, although Wards said it was sold.  I paid my account in "Full" Thru my Wards account, and not through another agency... So please help me understand what you are talking about?
Regards,
[redacted]

Ms. [redacted] did not receive a pre-approved offer from Swiss
Colony. In fact, Ms. [redacted] has not been pre-screened for a credit offer from
Swiss Colony since 2009.  The catalog Ms. [redacted] received was an invitation to apply and included the following disclaimer printed
on the...

ITA page:
(See terms of credit on the back of the
center order form.
All credit orders are subject to final
credit approval.)
 Swiss Colony regrets any inconvenience Ms. [redacted] may have
experienced as a result of this matter.

Seventh Avenue's records indicate Ms. [redacted] placed an order on August 13, 2014 for a variety of bed linens. In conjunction with the order Ms. [redacted] requested a Seventh Avenue credit account be opened in her name. As part of a consumer initiated credit transaction, Seventh Avenue...

had the right to request a copy of Ms. [redacted] consumer credit report in order to evaluate her creditworthiness. Contrary to Ms. [redacted] contention, written authorization is not required for this process. After reviewing her credit file Seventh Avenue determined that a credit account could be only opened if Ms. [redacted] agreed to make a down payment prior to shipment of the order. Ms. [redacted] chose not to make the requested down payment and the account was not opened.