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 offers its apologies to Ms [redacted] for any inconvenience she may have experienced as a result of this matter"Opal" provided the telephone number on Ms [redacted] 's complaint as her own when she opened a Seventh Avenue account in November of The number has been removed from the account record to prevent any further calls to Ms [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 meI suspect if you had not received my complaint the order slated to be delivered days after ChristmasAnd, for the record, if a person's order is going to be delivered on time you only give choices, accept the late delivery or cancel and since I didn't want my mom's gift to be late, I had no other choice but to cancel and order something you COULD deliver on timeHave you ever thought of offering people a similar replacement so they don't have to cancel and reorder? Regards, [redacted]
The account at issue was credited to a zero balance and closed to new purchases on February 5, None of Ms [redacted] personal information was shared with another individual
[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 From: [redacted] *** [redacted] Date: Fri, Feb 20, at 5:PMSubject: Re: You have a new message from the Revdex.com of WisconsinTo: " [redacted] After receipt and review...I am pleased to say this response from you (Revdex.com) and ASHRO is acceptable Thank you very much for interceding on my behalf to correct this error.Regards, [redacted] ***
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 $as remittance for your order Once your order was adjusted to reflect the items which were no longer available, your order total came to $This left an over payment of $ Two previous orders were charged to your Ginny’s credit plan which, as of 10/1/2014, had a balance of $ This balance was deducted, leaving you with a refund of $A refund check in this amount was issued 10/13/and usually arrives within seven to ten business days We received a customer service call [redacted] checking on the status of your refundDuring this call, the representative overlooked the information indicating that a check had been sent the previous dayWe regret that the correct information was not communicated to you at the time of your callWe have forwarded information about this error to the departments involved to prevent any future recurrence We hope this information has been helpful to youWe look forward to the opportunity to serve you better in the futureSincerely,Ginny’s
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 conversationAfter I huI called Customer of Montgomery Wards immediately, and I explained my unpleasant experience with the agency they had chosen to collectI 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 agencySo please help me understand what you are talking about? 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 have reviewed The Swiss Colonies offer to settle my account with a refund of $While I am pleased to be getting that money back, I still feel they owe me the $online processing feeIf need be, I can send you my bank statement showing this fee was paid directly to The Swiss ColonyThere is no indication of a third party being involved in this transactionI really appreciate all you've done so far in this matter , however, I don't think much of this companies business practices thus far
Colony Brands does not own or operate Figi's and cannot, therefore, respond to any allegations regarding an inquiry by that companyWith regard to Colony Brands: Swiss Colony has no record of requesting a consumer credit report on Mr***The only credit report request on file for any Colony Brands company was requested by Midnight Velvet in response to an order placed by Mr [redacted] on September 22, If Mr [redacted] can provide a copy of the inquiry that appears on his report, The Swiss Colony will investigate and ensure that the information on his report is accurate and correct
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.] Yes I want my money back but they are making it seem like they did no wrong here1st of all I had no order as it was canceled and they still cashed my $checkThen when I called to ask why they cashed my check after I was SPACIFICALLY told it would be mailed back to me since there was no order in the system I was told that there was no record of the check being cashed at all and I was basically screwed out of $90I will be happier with my refund but I still do not believe they are admitting any fault in this error on their behalf!Regards, [redacted]
We received the correspondence from the Revdex.com regarding your request to be removed from our mailing listWe received your information from Abacus in 2010, and a catalog was mailed in February of Our records indicate an order was placed in March of 2011, and since that time have been mailed a catalogPlease accept our sincere apologies, if any prior request to be removed from our mailing was not implemented properly Currently, as long as your account remains flagged for not receiving catalogs, we will continue to remove your name from our catalog mailingsPlease allow six to eight weeks for this process to be completed, as some catalogs are already at distribution centers to be released at a later dateWe regret any inconvenience, but appreciate the opportunity to explainSincerely, Midnight Velvetv
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 made multiple attempts to use the credit for my return but was unable to due to first their system limitations and then their product limitations.After what I presume was the appropriate internal research, a commitment was made by a member of their management team to refund my money based on the full scope of the circumstances.I have made multiple attempts to resolve this issue over an extended period of time, with me taking the initiative to follow up as this company does not return calls.I requested a call from the office of the president, have yet to receive one and in fact the only response that I received was from the manager that told me executive management did not think it made sense to refund my money since I would not be a continued customer.I have no interest in conducting business with a company that takes no responsibility for their own failings, that does not honor their own managers commitment and has so little regard for their customers.I once again am requesting a full refundI should not be held hostage by their incompetence Regards
Ms [redacted] made two purchases on her Seventh Avenue credit account in December of 2011, both of which were credited in full when she returned all of the items from each Ms [redacted] placed an order on her account on February 17, and charged another order on April 20, Seventh Avenue has no record of receiving any returns from these two orders, which totaled approximately $1,Seventh Avenue received one payment of $before the account was charged off as a loss in August of Ms [redacted] subsequently made additional payments totaling $The current balance on the account consists of the unpaid merchandise amount of approximately $1,plus late fees and finance charges assessed on the unpaid balanceIf Ms [redacted] has documentation of additional payments or returns on her account, she will need to provide that information to Seventh AvenuePending receipt of such documentation Seventh Avenue will assume the account balance to be correct
We received your correspondence from the Revdex.com regarding order # [redacted] placed internet 2/25/ We regret any confusion regarding your order Our records indicate that your original order consisted of two Holmes Tower Fans and one Book SafeWe received a customer service call 3/29/letting us know that the fans did not work Return labels were requested at the time of the call, and were sent to your email address 3/31/We follow up calls 3/31/2014, 4/1/2014, 4/3/2014, and 4/8/which records show were all in regard to the fansNo indication was made that the Book Safe was unsatisfactory or that it was being returnedThe two Holmes Tower Fans were entered into our system by our returns processing facility 4/14/The Book Safe was not returned The original order total is $ We received a down payment of $on 3/2/2014, and credit of $was issued for the fans 4/14/This left a remaining balance of $Because the order was placed using our credit plan, finance charges of $were applied for four consecutive months leading to a total balance of $ We hope this information has been helpful to youWe appreciate the opportunity to explain Sincerely, Ginny’s
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 Thank you for responding to this complaint after receipt and review, the issue is not with the appropriate credits which is correct because the items were returned; however, ASHRO had mixed up an order which was placed back in September of (Magnolia Faux Fur Wrap) which had nothing to do with the purchases made in -- which included fees and finances charges which were tacked on well after the items were returned within day billing cycle THIS IS THE REASON FOR THE COMPLAINTI feel that these charges and fees were not necessary and unfairAs mentioned in ASHRO's response that a refund would be sent to me in the amount of $within the next to days Upon receipt of such refund would be acceptable Regards, [redacted] ***
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 days past dueA payment of $was due on or before February 5, 2015, which Ms [redacted] failed to pay on or before the due dateA new billing statement was prepared and mailed to Ms [redacted] attention indicating a payment of $was due on or before March 5, A late payment fee of $was assessed on February 17, 2015, when no payment was received by the end of the day waiting period required by the state of New YorkMs [redacted] payment of $was received on February 18, 2015, leaving a balance of $on the accountSwiss Colony has credited Ms [redacted] 's account to remove the late payment feeThe account now has a zero balance
We received the correspondence from the Revdex.com regarding your order # [redacted] placed 11/22/via mail for $We apologize for any confusion regarding your account status To date, we have no record of receiving a money order in the amount of $We have reviewed our images of checks from cash orders for $on our Montgomery Ward from November 20th through December 12th and were unable to locate this transaction in your nameWe sincerely apologize when you called 12/11/our representative had given the incorrect information that a money order had been receivedWe have forwarded this information to the department involved for additional action At this time, we suggest you have the institution from which the money order was purchased put a tracer on the originalIf the money order was returned canceled, please have a photo copy made of both the front and back so we can properly adjust your accountIf the money order has not been cashed, please have them reissue a new oneYou may fax any information to [redacted] Attention: Credit Supervisor, or mail a copy of the information to Montgomery Ward, Attention: Credit Supervisor, 7th Avenue, Monroe, WI Please be sure to reference your order number # [redacted] Thank you for your assistance in this matter, we regret any inconvenience this may have caused and appreciate the opportunity to explainSincerely, Montgomery Ward
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 The FACT Act requires creditors to develop and implement policies and procedures to detect, prevent and/or mitigate fraudulent activity, including identity theftSeventh 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
Our records indicate on 9/30/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 chargeUnfortunately, 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, and $ These will be reflected on your next statementOur 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 accountYou were required to accept those terms and conditions in order to open your accountYou can avoid any further finance charges by paying the full balance on your account on or before your next due dateYou 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
Ms [redacted] will need to provide additional information in order for her complaint to receive a responseSpecifically, she will need to provide the name of the company and a full or partial account number so that her claim may be investigated
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 offers its apologies to Ms [redacted] for any inconvenience she may have experienced as a result of this matter"Opal" provided the telephone number on Ms [redacted] 's complaint as her own when she opened a Seventh Avenue account in November of The number has been removed from the account record to prevent any further calls to Ms [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 meI suspect if you had not received my complaint the order slated to be delivered days after ChristmasAnd, for the record, if a person's order is going to be delivered on time you only give choices, accept the late delivery or cancel and since I didn't want my mom's gift to be late, I had no other choice but to cancel and order something you COULD deliver on timeHave you ever thought of offering people a similar replacement so they don't have to cancel and reorder? Regards, [redacted]
The account at issue was credited to a zero balance and closed to new purchases on February 5, None of Ms [redacted] personal information was shared with another individual
[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 From: [redacted] *** [redacted] Date: Fri, Feb 20, at 5:PMSubject: Re: You have a new message from the Revdex.com of WisconsinTo: " [redacted] After receipt and review...I am pleased to say this response from you (Revdex.com) and ASHRO is acceptable Thank you very much for interceding on my behalf to correct this error.Regards, [redacted] ***
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 $as remittance for your order Once your order was adjusted to reflect the items which were no longer available, your order total came to $This left an over payment of $ Two previous orders were charged to your Ginny’s credit plan which, as of 10/1/2014, had a balance of $ This balance was deducted, leaving you with a refund of $A refund check in this amount was issued 10/13/and usually arrives within seven to ten business days We received a customer service call [redacted] checking on the status of your refundDuring this call, the representative overlooked the information indicating that a check had been sent the previous dayWe regret that the correct information was not communicated to you at the time of your callWe have forwarded information about this error to the departments involved to prevent any future recurrence We hope this information has been helpful to youWe look forward to the opportunity to serve you better in the futureSincerely,Ginny’s
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 conversationAfter I huI called Customer of Montgomery Wards immediately, and I explained my unpleasant experience with the agency they had chosen to collectI 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 agencySo please help me understand what you are talking about? 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 have reviewed The Swiss Colonies offer to settle my account with a refund of $While I am pleased to be getting that money back, I still feel they owe me the $online processing feeIf need be, I can send you my bank statement showing this fee was paid directly to The Swiss ColonyThere is no indication of a third party being involved in this transactionI really appreciate all you've done so far in this matter , however, I don't think much of this companies business practices thus far
Colony Brands does not own or operate Figi's and cannot, therefore, respond to any allegations regarding an inquiry by that companyWith regard to Colony Brands: Swiss Colony has no record of requesting a consumer credit report on Mr***The only credit report request on file for any Colony Brands company was requested by Midnight Velvet in response to an order placed by Mr [redacted] on September 22, If Mr [redacted] can provide a copy of the inquiry that appears on his report, The Swiss Colony will investigate and ensure that the information on his report is accurate and correct
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.] Yes I want my money back but they are making it seem like they did no wrong here1st of all I had no order as it was canceled and they still cashed my $checkThen when I called to ask why they cashed my check after I was SPACIFICALLY told it would be mailed back to me since there was no order in the system I was told that there was no record of the check being cashed at all and I was basically screwed out of $90I will be happier with my refund but I still do not believe they are admitting any fault in this error on their behalf!Regards, [redacted]
We received the correspondence from the Revdex.com regarding your request to be removed from our mailing listWe received your information from Abacus in 2010, and a catalog was mailed in February of Our records indicate an order was placed in March of 2011, and since that time have been mailed a catalogPlease accept our sincere apologies, if any prior request to be removed from our mailing was not implemented properly Currently, as long as your account remains flagged for not receiving catalogs, we will continue to remove your name from our catalog mailingsPlease allow six to eight weeks for this process to be completed, as some catalogs are already at distribution centers to be released at a later dateWe regret any inconvenience, but appreciate the opportunity to explainSincerely, Midnight Velvetv
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 made multiple attempts to use the credit for my return but was unable to due to first their system limitations and then their product limitations.After what I presume was the appropriate internal research, a commitment was made by a member of their management team to refund my money based on the full scope of the circumstances.I have made multiple attempts to resolve this issue over an extended period of time, with me taking the initiative to follow up as this company does not return calls.I requested a call from the office of the president, have yet to receive one and in fact the only response that I received was from the manager that told me executive management did not think it made sense to refund my money since I would not be a continued customer.I have no interest in conducting business with a company that takes no responsibility for their own failings, that does not honor their own managers commitment and has so little regard for their customers.I once again am requesting a full refundI should not be held hostage by their incompetence Regards
Ms [redacted] made two purchases on her Seventh Avenue credit account in December of 2011, both of which were credited in full when she returned all of the items from each Ms [redacted] placed an order on her account on February 17, and charged another order on April 20, Seventh Avenue has no record of receiving any returns from these two orders, which totaled approximately $1,Seventh Avenue received one payment of $before the account was charged off as a loss in August of Ms [redacted] subsequently made additional payments totaling $The current balance on the account consists of the unpaid merchandise amount of approximately $1,plus late fees and finance charges assessed on the unpaid balanceIf Ms [redacted] has documentation of additional payments or returns on her account, she will need to provide that information to Seventh AvenuePending receipt of such documentation Seventh Avenue will assume the account balance to be correct
We received your correspondence from the Revdex.com regarding order # [redacted] placed internet 2/25/ We regret any confusion regarding your order Our records indicate that your original order consisted of two Holmes Tower Fans and one Book SafeWe received a customer service call 3/29/letting us know that the fans did not work Return labels were requested at the time of the call, and were sent to your email address 3/31/We follow up calls 3/31/2014, 4/1/2014, 4/3/2014, and 4/8/which records show were all in regard to the fansNo indication was made that the Book Safe was unsatisfactory or that it was being returnedThe two Holmes Tower Fans were entered into our system by our returns processing facility 4/14/The Book Safe was not returned The original order total is $ We received a down payment of $on 3/2/2014, and credit of $was issued for the fans 4/14/This left a remaining balance of $Because the order was placed using our credit plan, finance charges of $were applied for four consecutive months leading to a total balance of $ We hope this information has been helpful to youWe appreciate the opportunity to explain Sincerely, Ginny’s
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 Thank you for responding to this complaint after receipt and review, the issue is not with the appropriate credits which is correct because the items were returned; however, ASHRO had mixed up an order which was placed back in September of (Magnolia Faux Fur Wrap) which had nothing to do with the purchases made in -- which included fees and finances charges which were tacked on well after the items were returned within day billing cycle THIS IS THE REASON FOR THE COMPLAINTI feel that these charges and fees were not necessary and unfairAs mentioned in ASHRO's response that a refund would be sent to me in the amount of $within the next to days Upon receipt of such refund would be acceptable Regards, [redacted] ***
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 days past dueA payment of $was due on or before February 5, 2015, which Ms [redacted] failed to pay on or before the due dateA new billing statement was prepared and mailed to Ms [redacted] attention indicating a payment of $was due on or before March 5, A late payment fee of $was assessed on February 17, 2015, when no payment was received by the end of the day waiting period required by the state of New YorkMs [redacted] payment of $was received on February 18, 2015, leaving a balance of $on the accountSwiss Colony has credited Ms [redacted] 's account to remove the late payment feeThe account now has a zero balance
We received the correspondence from the Revdex.com regarding your order # [redacted] placed 11/22/via mail for $We apologize for any confusion regarding your account status To date, we have no record of receiving a money order in the amount of $We have reviewed our images of checks from cash orders for $on our Montgomery Ward from November 20th through December 12th and were unable to locate this transaction in your nameWe sincerely apologize when you called 12/11/our representative had given the incorrect information that a money order had been receivedWe have forwarded this information to the department involved for additional action At this time, we suggest you have the institution from which the money order was purchased put a tracer on the originalIf the money order was returned canceled, please have a photo copy made of both the front and back so we can properly adjust your accountIf the money order has not been cashed, please have them reissue a new oneYou may fax any information to [redacted] Attention: Credit Supervisor, or mail a copy of the information to Montgomery Ward, Attention: Credit Supervisor, 7th Avenue, Monroe, WI Please be sure to reference your order number # [redacted] Thank you for your assistance in this matter, we regret any inconvenience this may have caused and appreciate the opportunity to explainSincerely, Montgomery Ward
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 The FACT Act requires creditors to develop and implement policies and procedures to detect, prevent and/or mitigate fraudulent activity, including identity theftSeventh 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
Our records indicate on 9/30/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 chargeUnfortunately, 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, and $ These will be reflected on your next statementOur 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 accountYou were required to accept those terms and conditions in order to open your accountYou can avoid any further finance charges by paying the full balance on your account on or before your next due dateYou 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
Ms [redacted] will need to provide additional information in order for her complaint to receive a responseSpecifically, she will need to provide the name of the company and a full or partial account number so that her claim may be investigated