Hy Cite Enterprises

In review of Ms. [redacted]’s account, her e-mail was never added when the account was established, it was added to the account on July 13, 2016 after Ms. [redacted] spoke with one of our representatives. Ms. [redacted] had automatic payments set for the 25th of each month. The following are the automatic payments that went through as well as the automatic payments that declined:   · Declined Loan Payment 03/25/2015 $86.00 · Approved Loan Payment 04/25/2015 $86.00 · Approved Loan Payment 05/25/2015 $86.00 · Declined Loan Payment 06/25/2015 $86.00 · Declined Loan Payment 07/25/2015 $86.00 · Declined Loan Payment 08/25/2015 $86.00 · Approved Loan Payment 09/25/2015 $86.00 · Approved Loan Payment 10/25/2015 $86.00 · Declined Loan Payment 11/25/2015 $86.00 · Declined Loan Payment 12/25/2015 $86.00 · Declined Loan Payment 01/25/2016 $86.00 · Declined Loan Payment 02/25/2016 $86.00 · Declined Loan Payment 03/25/2016 $86.00   Ms. [redacted] was notified of the status of her loan through the statements that were mailed to her. If Ms. [redacted] failed to read that her account was going in default, we are not at fault for that. Since Ms. [redacted] has entered into a re-payment plan with Mr. [redacted], she will need to continue to bay him until the outstanding balance has been satisfied. Once the balance has been satisfied, at that point we will report to the credit bureaus that the Collection Account has been paid in full.

Since the account has been written off to bad debt and reported as such, the Independent Distributor has the right to try to collect on the outstanding balance that is owed on the account. Also the Independent Distributor has the right to try to recover what merchandise they can if a customer defaults on their account. The only way that we can report their account as satisfied is if the outstanding balance is paid in full.

If Mrs. [redacted] has received any kind of threatening calls about the merchandise, those calls have not come from Hy Cite Enterprises. We have forwarded the issue of the phone calls that Mrs. [redacted] has received to the Independent Distributor’s office for them to investigate. Since we do not have any dealings with the shipping of the CookWorld merchandise, all related inquiries and issues with the merchandise will need to be dealt directly with CookWorld’s Customer Service Department or the Independent Distributor’s office.

In review of the complaint received by [redacted], we have a sales order that was signed by Mrs. [redacted], formally [redacted], and [redacted] on November 15, 2013, please see attached document. On the sales order it states that the order may be cancelled within 3 business days of signing the order,...

since that timeframe has passed, the account is no longer eligible for cancellation. With regards to the claim of no interest for one year, on the sales order it states that the order is being submitted as a Bridal Program, half payments for 6 month. The half payments are listed on the sales order, $36/$73. The biggest problem with food sticking and/or burning is due to incorrect amount of heat being used. The proper heat to use is low to medium heat, anything higher than that could result in the food sticking or burning. If Mrs. [redacted] wants, we can have the Independent Distributor’s office contact her to set up a cooking demonstration for cooking tips. Should you have any additional questions or concerns, please do not hesitate to contact us.
 
[redacted]
[redacted]
Customer Care Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11957911, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I was contacted by the company and told that they no longer have replacement handles and/or vents for the lids because the pots and pans that I have have been discontinued (7 or 9 ply).  They told me I could mail my pots and pans to their company at their warehouse address with a note in the box referencing their ID# and a list of the pots and pans included in the box.  Once they receive that they will mail me their 5 ply pots and pans (equivalent to the ones I have mailed to them) as a replacement.  They will not pay for shipping to their Middleton, WI warehouse.  I do not feel I should have to mail them my old pots and pans with the broken handles and missing vents on the lids and especially pay for the shipping of those pots and pans.  That would be extremely expensive.  There is suppose to be a lifetime guarantee.  I asked them if I could deliver the pots and pans to their warehouse in Middleton, WI since I live in Portage, WI which would be much easier than putting them in the mail.  They told me I could not do that because they couldn't do that.  I do not feel that they are being very accommodating to me in the replacement of these pots and pans.  I believe they should pay to have the pots and pans picked up and for the new ones to be sent out, or in the alternative, let me drop off the pots and pans at their warehouse so I can see what the replacement pots and pans look like, or just mail me the new set to replace the old ones.
Regards,
Janice P[redacted]

In review of the complaint received by Antonia T[redacted], we have a sales order and credit application that were signed on June 23, 2016. On the sales order our notice of cancellation states that the order may be cancelled prior to midnight of the third business day after the date the order was signed....

Since the allotted timeframe has passed, the account is no longer eligible for cancellation. Per notes on the account dated November 3, 2016 Ms. Tome informed us she wanted to cancel because she was not able to afford them. Unfortunately the account is no longer eligible for cancellation and Ms. T[redacted] will remain responsible for the account and any and balance associated with the account. Should you have any additional questions or concerns, please do not hesitate to contact us.   Arthur D[redacted] Assistant Manager Customer Care Department

In review of the complaint received by [redacted], we have reviewed Mr. [redacted]’s account and due to the poor payment history on the account, the requested late fees that Mr. [redacted] is requesting cannot be waived. Should you have any additional questions or concerns, please do not hesitate to...

contact us.   [redacted] Assistant Manager Customer Care Department

In review of the complaint received by [redacted], we have notes on the account dated April 17, 2017 that the Ms. [redacted] called to ask for refund and was explained that it was not possible and that her account would be updated. On May 3, 2017 Ms. [redacted] paid off the account using our website portal....

Per notes on the account and since the account has been paid in full, there are no refunds that are due to Ms. [redacted]. Should you have any additional questions or concerns, please do not hesitate to contact us.   [redacted] Assistant Manager             Customer Care Department

In review of the complaint received by [redacted], we see that he is the [redacted] on the account along with [redacted]. We have an order that was signed on October 25, 2012 for the 9ply cookware along with 2 gourmet skillets that are not part of the 9ply recall. In order to honor Mr. [redacted]’s...

request for a full refund, Mr. [redacted] will need to send back all the cookware, both gourmet skillets, and all the 9ply cookware including covers. Once we have received all the merchandise back in our warehouse, we will be more than happy to offer Mr. [redacted] a full refund. The refund check will be in the name of the main signer, [redacted]. Should you have any additional questions or concerns, please do not hesitate to contact us.
 
[redacted]
Customer Care Department

In review of the complaint received by Ms. [redacted], the cookware that was purchased back on February 19, 2015, Hy Cite Enterprises, LLC is only the finance company for this cookware and based on the cancellation policy that is located on the sales order that was signed by Ms. [redacted], the cancellation of...

the order was only eligible within the 3 business days of signing the order, after that timeframe, the account is no longer eligible for cancellation. By Ms. [redacted] signing the sales order, she was in agreement to these terms and conditions. Hy Cite Enterprises, LLC does not ship nor warrant the cookware that Ms. [redacted] has and any and all issues/concerns regarding the cookware will need to be directed to the Independent Distributor’s office. Should you have any additional questions or concerns, please do not hesitate to contact us.
 
[redacted]
Customer Care Department

As previously mentioned, all promotional material and offers that were presented at the time of the sales presentation are not the responsibility of Hy Cite Enterprises, LLC and will need to be brought up with the Independent Distributor, [redacted]. or the promotional company directly. With regards to the verbiage on the sale order, the Independent Distributor in error used an outdated sales order, attached is a copy of the current sales order that [redacted]. should be using. Since the products that Mr. [redacted] purchased are distributed by Lake Industry, Hy Cite Enterprises, LLC is not responsible for the distribution or warranty of the products, we are solely responsible for the financing of the account. Any issues with the cookware will need to be brought up directly with [redacted]. The account is no longer eligible for cancellation at this time.

We understand Ms. [redacted]’s concern, however, by Ms. [redacted] signing the sales order, she was in agreement to the 3 business day cancellation policy that is on the sales order. Ms. [redacted] herself mentions that she did not use the merchandise until months after due to her moving. Again, if Ms. [redacted] feels that the merchandise is defective, we will stand behind the 50 year warranty that comes with the cookware and have the merchandise inspected and if the merchandise is defective, we will replace it at no additional cost. However, the cancellation of the order is no longer an option.

Since Nautilus is the one handling the cancellation and adjustment of the account, we can only go by what was received to adjust the account. Any remaining balance on the account will be the responsibility of Ms. [redacted] and should she have any questions regarding the credit that we received and any remaining balance, Ms. [redacted] will need to take it directly with Nautilus as they are they are the ones who accepted the cancellation and provided the adjustment to the account.

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.]A three day cancellation policy is crap. I didn't even receive the order for 2 months after the purchase. With the hard time that I am currently working though, I am forced to make decision. If they are unwilling to help and only care about the money, then they must do whatever it is that they feel necessary. Again I am willing to make the account current but also wish to get ride of the product. I do not want someone else telling my about the cancellation policy or to speak with the warranty department. Threatening me will not make money magically appear in my wallet. As a "big" company that you are I'm sure you have many other ways to make or receive money of other clients. also I wish that this person below not answer my responses. I wish to speak to anyone that is in a higher position.[redacted]Customer Care Care Departmentthank you for your time. 
Regards,
[redacted]

In review of the complaint received by [redacted], we see that Mr. [redacted]’s account has been reported as a Collections account to the 3 major credit bureaus as of March 31, 2015 for non-payment. Under the recall for the 9ply Thermal Wall cookware, replacement 5ply cookware is being sent to...

replace the recalled 9ply cookware. Since Mr. [redacted] chose to stop making payments after the replacement 5ply merchandise was sent, the account was reported as a Collections account. Since the account has been reported as a Collections account, we are unable to proceed with Mr. [redacted]’s request of refund. Should you have any additional questions or concerns, please do not hesitate to contact us.
 
[redacted]
Customer Care Department

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.Dice HY CITI que ahora el producto no esta cubierto por la garantia, pero cuando el problema con el producto empezo, si estaba cubierto con la garantia.De acuerdo al primer email que anexo, el producto todavia estaba cubierto por la garantia y el representante de HY CITI con el que hable me dijo que mandarian un representante de ellos para verificar el funcionamiento del extractor y nunca lo hicieron nadie vino a mi hogar durante las 4 veces que yo solicite el reemplazo o reparacion de la pieza rota.las 3 primeras veces que la pieza del extractor se rompio todavia estaba cubierto por la garantia, nada mas que ellos no mandaron a la persona para verificar el funcionamiento del extractor. Hasta que el tiempo transcurrio y ahora ellos se niegan a aceptar su responsabilidad para resolver este problema, si no quieren reembolsar la cantidad pagada pues que manden a su representante a verificar y que reemplacen las partes que no sirven.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Guadalupe [redacted]

In review of the complaint received by [redacted] C. [redacted], we have a copy of a credit application and sales order that were signed on September 26, 2015 by Ms. [redacted] and Mr. [redacted]. We are including the bottom portion of the front of the credit application and the part on the reverse side of the...

credit application that breaks down the APR by state. The 24% APR that is being charged to the account is correct and since Ms. [redacted] and Mr. [redacted] signed the credit application, they agreed to the terms and conditions for the financing of the order. On the sales order that was signed by Ms. [redacted] and Mr. [redacted], the notice of cancellation states that the order is eligible for cancellation prior to midnight of the third business day after the order was signed. Since that timeframe has passed the account is no longer eligible for cancellation. Should you have any additional questions or concerns, please do not hesitate to let us know.   [redacted] Assistant Manager Customer Care Department

In review of the complaint received by Thomas A[redacted], we have a sales order that was signed by Rebecca G[redacted] on February 16, 2016. On the sales order is the notice of cancellation, see copy below, where it states that the order may be cancelled prior top midnight of the third business day after...

the date of the transaction. Since this timeframe has passed, the account is no longer eligible for cancellation. With regards to the finance charges, there are notes on the account from the Independent Distributor that they have spoken with Ms. Rebecca G[redacted] and have resolved this issue.     Should you have any additional questions or concerns, please do not hesitate to let us know.   Arthur D[redacted] Assistant Manager Customer Care Department

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.
Clearly, City Dynamics only submitted part of the contract, just like they did when they sold us the vacuum, they only told us part of the picture.  It is misleading to state that the interest is 2% per month and not list what the actual payment is with interest.  The sales rep told us 2% and did not clearly show us the back of the contract.   He was there for over four hours with his assistant and we were getting weary and tired.  It is an annual percentage rate, not a monthly percentage rate that determines the payment and total cost of the vacuum cleaner, so just stating 2% as he did was misleading and false.  Also, the Sales Order was not signed and the financing plan on the "Sales Order #4364561 states that the payment each month will be "approximately" $99.  When we told him we could not afford that right now, they said they could defer it for 90 days.  By stating that the contract finance payment was "approximate" and then the bill coming in the mail over a month later, the finance charges plus the full contract price of the vacuum cleaner were never disclosed.  This voids the contract because the actual purchase price was not listed in the contract.  By City Dynamics showing you part of the contract and not the entire contract, they are confirming their deceptive trade practices.  If they were honest and up front they would have submitted both contracts to you in their entirety.  There are 4 signatures missing from the sales contract, and  you will note that there is not sales rep number on the contract.  It is our position that the contract should be voided because the terms were not clear, it was missing the actual cost of the vacuum cleaner and 4 signatures. 
Regards,
[redacted]

Please provide information on the application and /or contract where it specifically states that a "hard" credit pull or inquiry will be done. If this is not specified in the contract, I ask again that the inquiry be removed from my credit.