Prestigio Jewelers

In addition to our recent response to your claim we have taken the necessary steps to remove the X's that appear on your credit reportYour concern with that was that it was reflecting negatively on your credit report- as your account being reported late by our company which is not true, nevertheless this has been fixedAfter speaking to the owner of the company we have come up with a couple of different solutions for your to reviewWe have taken a closer look at the information provided to us and we can increase your credit limit to $or we can delete the account completely since there has never been a purchase with usI hope you find the above options to your satisfaction so please contact us to let us know how we can proceed from here

I am rejecting this response because: I do not care what their standard practice is I was told over the phone that I was approved and had to take in my walong with driver license to verify who I wasI was offered a $gift card which I declined because I have no intentions on doing business with prestigiou a gift certificate was not mailed to me or I would have rejected ita certified letter was mailed to me and I thought it was the gift certificate so I had it return to sender if you check your tracking I never received that certified letter

Our company does not give credit limits or increases over the phoneWe require customers to bring in the proper documents such as Drivers License, ID and proof of incomeMs [redacted] had an open account with us which has never been used and was requesting a limit increase but like other credit companies we increase limits based on the payment history established with usOur credit manager followed proper procedure as well regarding a "fraud alert" that appeared on her credit report prompting her to come in to verify her identityOur company do not discriminate and we approve individuals with challenged credit who would most likely be denied elsewhereA gift certificate was sent to Ms [redacted] as a token of our apology for any confusion or misunderstandingI spoke to Ms [redacted] on November 21, and explained this to her as well as a certified letter with our formal response to this issue

I am pleasedThey may delete and close the account completely.Thank youwork ###-###-####cell ###-###-####

Dear Ms***Thank you for the opportunity in speaking to you today in regards to your complaintI am sorry on behalf of the company and assure you that we do NOT discriminateThe majority of our customers are individuals with challenged credit who would most likely be denied elsewhere, we take pride in giving people second chances in establishing or re-establishing credit so we find ways to make the sale work for both the consumer as well as our business so no one is denied the credit they deserve.Our company does not give limits over the phone, you must be present with the required documents such as a driver's license, ID and proof of income for the proper credit line to be grantedI understand you already have an account with us that has never been used and you were requesting an increase to help your credit scores, but like most companies your limit does increase based on your payment history with us, unfortunately you do not have one with usWe never denied you credit but are unable to increase your limit for the reason mentioned above.I apologize if you felt like you were given the "runaround" by the Credit Manager that was never our intentionThe manager did however follow proper procedure when asking you to come in when she saw the "Fraud Alert" on your credit reportAs I previously stated to you on the phone I will look further into the matter with the Credit Manager and actions will be taken as necessary to guarantee that this does not happen again.I am enclosing a gift certification that can be used at any of our store locations no purchase is requiredI know you said you don't need a "freebie" as a result of your complaint but for you to allow us the opportunity to show you that our company takes pride in making ever customer's experience a good one and building a lasting relationship for years to come

Initial Business Response /* (1000, 5, 2015/09/30) */
Dear Mr. [redacted],
This is a formal apology letter on behalf of our Company, in regards to your incident that occurred at our Lodi location on 7/9/15.
It is never our intention to misinform or mislead anyone in anyway when we sell our...

merchandise. I would like to clear up any matters you have with you purchase. We would like to make this matter right with you, if you will allow us.
I have informed the buyer of our Company ([redacted] of this matter and he is expecting a phone call from you between 9am and 5pm Monday through Friday. Please set up a time at the Lodi LOCATION Mon-Sat. If you would like to return the item we are more than willing to accommodate you. If you would like to upgrade we would be willing to double your initial purchase at no additional cost to you.
Thank you for your cooperation during this time. If there is anything else you need rom our company please contact us directly.
Kind Regards,
[redacted]
President/CEO
Prestigio Jewelers
[redacted] Weber
XXX-XXX-XXXX ext 104
Initial Consumer Rebuttal /* (2000, 7, 2015/10/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you so much o tried to ask them to return it and it's glad that you said I can. If anything else goes wrong I will be sure to leave a response

In addition to our recent response to your claim we have taken the necessary steps to remove the X's that appear on your credit report. Your concern with that was that it was reflecting negatively on your credit report- as your account being reported late by our company which is not true, nevertheless this has been fixed. After speaking to the owner of the company we have come up with a couple of different solutions for your to review. We have taken a closer look at the information provided to us and we can increase your credit limit to $500 or we can delete the account completely since there has never been a purchase with us. I hope you find the above options to your satisfaction so please contact us to let us know how we can proceed from here.

I am rejecting this response because: I do not care what their standard practice is I was told over the phone that I was approved and had to take in my w2 along with driver license to verify who I was. I was offered a $250 gift card which I declined because I have no intentions on doing business with prestigiou a gift certificate was not mailed to me or I would have rejected it. a certified letter was mailed to me and I thought it was the gift certificate so I had it return to sender if you check your tracking I never received that certified letter

Our company does not give credit limits or increases over the phone. We require customers to bring in the proper documents such as Drivers License, ID and proof of income. Ms. [redacted] had an open account with us which has never been used and was requesting a limit increase but like other credit...

companies we increase limits based on the payment history established with us. Our credit manager followed proper procedure as well regarding a "fraud alert" that appeared on her credit report prompting her to come in to verify her identity. Our company do not discriminate and we approve individuals with challenged credit who would most likely be denied elsewhere. A gift certificate was sent to Ms. [redacted] as a token of our apology for any confusion or misunderstanding. I spoke to Ms. [redacted] on November 21, 2014 and explained this to her as well as a certified letter with our formal response to this issue.

Review: I contacted Prestigio Jewlers to request a credit line increase. Over the phone with there headquarters in stockton I was told that I was approved by the lady who handles the credit for them. I was told that I had to go in to the fresno location, in fashion fair mall to show w2 or paystub and id to confirm my identity and the income I gave. I went in the same day only to be looked up and down by there "finance manager" and to be told she would not approve me. I told her I was already approved. She said she pulled my report and due to a recent car repo in 2012 could not approve me. I asked for that in writing because I have no car repos in 2012, I asked the lady if she knew that lieing about an approval is a crime. She quickly said I was not being approved due to credit score...again I asked for the reason in writing and she said they do not have to send me anything. This is a hispanic owned business. I believe the only thing that changed my approval was the color of my skin. I am of non hispanic origin. I filed a report with the Revdex.com and someone high up in the company contacted me offering me a 250$ gift card, which I refused. Now I received an update on [redacted] saying that Prestigios is reporting me late 4x on my credit report even though my account is at a 0 balance and I have never made any purchases on this card! It has been well over 30days and still no letter as to why I was not approved.Desired Settlement: Correct my credit file to show accurate information. Plus, $5000 settlement.

Business

Response:

Our company does not give credit limits or increases over the phone. We require customers to bring in the proper documents such as Drivers License, ID and proof of income. Ms. [redacted] had an open account with us which has never been used and was requesting a limit increase but like other credit companies we increase limits based on the payment history established with us. Our credit manager followed proper procedure as well regarding a "fraud alert" that appeared on her credit report prompting her to come in to verify her identity. Our company do not discriminate and we approve individuals with challenged credit who would most likely be denied elsewhere. A gift certificate was sent to Ms. [redacted] as a token of our apology for any confusion or misunderstanding. I spoke to Ms. [redacted] on November 21, 2014 and explained this to her as well as a certified letter with our formal response to this issue.

Consumer

Response:

I am rejecting this response because: I do not care what their standard practice is I was told over the phone that I was approved and had to take in my w2 along with driver license to verify who I was. I was offered a $250 gift card which I declined because I have no intentions on doing business with prestigiou a gift certificate was not mailed to me or I would have rejected it. a certified letter was mailed to me and I thought it was the gift certificate so I had it return to sender if you check your tracking I never received that certified letter

Business

Response:

Dear Ms. [redacted]Thank you for the opportunity in speaking to you today in regards to your complaint. I am sorry on behalf of the company and assure you that we do NOT discriminate. The majority of our customers are individuals with challenged credit who would most likely be denied elsewhere, we take pride in giving people second chances in establishing or re-establishing credit so we find ways to make the sale work for both the consumer as well as our business so no one is denied the credit they deserve.Our company does not give limits over the phone, you must be present with the required documents such as a driver's license, ID and proof of income for the proper credit line to be granted. I understand you already have an account with us that has never been used and you were requesting an increase to help your credit scores, but like most companies your limit does increase based on your payment history with us, unfortunately you do not have one with us. We never denied you credit but are unable to increase your limit for the reason mentioned above.I apologize if you felt like you were given the "runaround" by the Credit Manager that was never our intention. The manager did however follow proper procedure when asking you to come in when she saw the "Fraud Alert" on your credit report. As I previously stated to you on the phone I will look further into the matter with the Credit Manager and actions will be taken as necessary to guarantee that this does not happen again.I am enclosing a gift certification that can be used at any of our store locations no purchase is required. I know you said you don't need a "freebie" as a result of your complaint but for you to allow us the opportunity to show you that our company takes pride in making ever customer's experience a good one and building a lasting relationship for years to come.

Consumer

Response:

I am pleased. They may delete and close the account completely.

Review: June 2013 I called Prestigio Jewelers to see if I can apply for credit being that my wife was given credit to purchase some merchandise. When I contacted them they told me to come in so I did and was allowed to lease a 12in 10k rope chain and a Jesus 10k solid gold Jesus pendent for 2508.86 dollars paying 150.00 a month. After my first payment I took my jewelery in to get clean and was informed that the chain was in fact 10k solid gold but the pendent was not it was gold plated. On my statements it clearly says that the pendent is 10k solid gold. I took the pendent to get a second and third opinion from 2 other jewelery locations and they both told me that the pendent is not real its gold plated. Yesterday I received a call from PJ Services Inc stating that they are a collection agency for Prestigio Jewelers I informed them of the situation and when I told the lady that I am in the process of filing a claim and obtaining me a lawyer she told me why don't I just give it back and just leave it alone. She then told me that if I am going to file a suit against them then they are going to file a suit against me and garnish my wages, she then took the opportunity to give me a name and ask me do I know this person. This company have been sending letters to my employer which I have not authorized them to do so.Desired Settlement: I would like to be refunded the amount that I did pay for the jewelery and I will like for this company to be investigated. Being that I am sure that there are more people that have been done this same way and do not know the steps to take to get this resolved. This is an out rages matter and I don't think its ok at all for companies to get over on people. This does not only effect my credit this effect my life being that I need my credit to buy homes new car etc.

Business

Response:

I am responding to a complaint that you filed to Revdex.com in March of 2014. I just received it yesterday as I was browsing their website. I am sorry that you were not happy with the merchandise. It appears that you have made only one payment of $150 on an account that was opened in August 2013. You were set up to pay monthly, therefore your account is now 6 months behind in payments. The reason I bring the delinquency up is because we have tried to reach out to you and resolve issues regarding this account with 15 calls beginning in Nov of 2014. You did not return any of our phone calls until March 2014 when you complained about the merchandise. I can also see by the notes that you were offered to return the merchandise for a full refund or exchange it if you were not happy with it. Still no response other than a complaint to Revdex.com. I am not sure what you are trying to resolve here, but the offer stands. You have paid one payment of $150 on a $2,500 purchase that we will gladly take back and refund your money. The only way we can do this is to have you come in. We can also offer you an exchange if that suits you better at this time. If you would like to talk to me personally re this, I can be reached at ###-###-#### between 10am and 4pm Mon-Fri.