Signet Jewelers

October 11, 2016 Dear Ms. [redacted]:   We appreciate the opportunity to respond to your concerns with your credit account. We located the credit account to which you refer in your complaint, and we confirmed that the name on our account is associated with the name under which you submitted your...

complaint.   We would first like to clarify that the 12 Month No Interest Plan we offer does require monthly payments of 1/12 of the qualifying purchase. This information is provided in the Retailers Installment Credit Agreement you received when you opened the credit account. In addition, your monthly payment amount is printed on our receipts.   We research your complaint and found the following. ·         On May 23, 2015, Mr. [redacted] opened a credit account with our store Kay Jewelers. ·         On June 18, 2016, Mr. [redacted] financed a purchase for $961.93. The 20% down payment to convert the purchase to our 12 Month Plan reduced your financed balance to $761.93. ·         The minimum monthly payment of $65.00 was due on or before the 13th of each month. ·         On September 19, 2016, the account was closed for non-payment. ·         On September 24, 2016, Mr. [redacted] gave us permission to speak with you about the account and scheduled a payment for September 30, 2016 with our Recovery Department. You alleged that the store associate told you no payment was due for 12 months. ·         On September 26, 2016, a representative from our Customer Care Department contacted you regarding your Twitter post about the situation. During this conversation, you stated that you had received statements showing $65.00 payment due by August 13, 2016 and then on September 13, 2016 but had ignored them. As a customer service, the representative removed the $25.00 late fee from the account.   According to store management, the store team member who assisted with the purchase is a tenured employee and is aware that monthly payments are still required on our 12 Month No Interest Plan. Nonetheless, we have forwarded your service complaint to the district manager over the store for review.   We are obligated by the Fair Credit Reporting Act to accurately report your account history to all credit bureaus. The information we are reporting is accurate. Therefore, we are unable to honor your request to change its reporting or remove the remaining past due balance as you have requested.   We apologize for your dissatisfaction in this matter.     Sincerely,     Vicki C. Resolution Specialist