[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Purely in the interest of resolving this complaint, Ashro has elected to request deletion of the account information from Ms***' credit fileThis change may take up to days to appear on a consumer credit report
Seventh Avenue has requested deletion of the January, inquiry from Ms*** consumer credit filePlease note that this is a request and that the discretion to remove consumer initiated inquiries (even ones determined after the fact to be fraudulent) lies entirely with the individual consumer reporting agenciesThe inquiry reflects a pre-screen conducted by Seventh Avenue, which resulted in a pre-approved offer being sent to Ms***Inquires of this type are not seen by other creditors and do not affect a consumer's credit scoreThe consumer reporting agencies will not consent to remove a creditor initiated consumer inquiry
Please note that Ms*** Montgomery Ward account was opened in February of and was charged off as a loss in June of 2011, both of which are less than seven years agoPlease also note that Ward's has no record of receiving a return of any merchandise on this account
Nonetheless, due to
the small balance and the age of the account, Montgomery Ward elected to request deletion of the account information from Ms*** credit file in March of
Mr*** called on March 15, and was a receipt would not be issued until any payment received was processed and clearedMr*** was also given the telephone number of the collection agency that is handling his accountHe can contact the agency to make payment arrangements
Mr***
should note, however, that payment of the delinquent account will not result in the deletion of the account information from his credit reportThe balance due and the status of the account will be updated to reflect the payment in full, but the account history will remain on his consumer credit report
We received the correspondence from the Revdex.com and regret the information listed by the consumer does not exactly match the profileWe maintain security practices designed to protect the security, integrity and confidentiality of customer informationShould additional data become
available to match the account profile, we will address the concernsSincerely, Swiss Colony
Midnight Velvet does not, as a matter of policy, offer or accept deletion of account information as a condition of payment of a delinquent accountMs***’s account was charged off as a loss in Aril of and referred to a collection agencyCollection agencies that work Midnight Velvet accounts
are also prohibited from offering or accepting deletion of account information as a condition of payment of a delinquent accountOn May 16, Midnight Velvet received a payment from the collection agency handling her accountThere is no indication that an agent of Midnight Velvet informed Ms*** that her account information would be deleted if she paid the balance in fullHer account is now reporting as Paid in Full, was a charge-offThis information accurately reflects the payment history and current status of the account: Ms*** failed to pay her account, it was charged off as a loss and she subsequently paid the charged off account in full
The account may appear under my maiden name of Jordan Lawrence, I have sent a direct dispute and received no responseWho at Swiss colony could I contact to provide my social security number or other detailed informationI included all that information in my direct dispute and when I called customer service and I am still being told the account can't be foundOnly the last few numbers of the account appear in my credit reportHaving the file deleted is what I'm hoping for but I can't seem to get anyonecto help me get it doneIf the account can't be found how is it on my credit reportPlease provide a contact person or detailed information on how I can resolve this directly with your company
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.]
I am fully aware of the Fair Debt Collection Act; I work for
Credit and Collections in a Corporate Office
Seventh Avenue ran my credit without my authorization on
November which resulted in a hard hit on my report. This has affected my credit report in a
negative way
I am an existing customer with all their companies. I placed an order and provided my Seventh
Avenue Charge Card Account to bill the purchase. When I noticed the hard hit on my credit
report, and Seventh Avenue requesting a partial payment towards the purchase, I
contacted Seventh Avenue and was advised a customer service representative, in
error, created a new account for me, not checking the system to see if I was an
existing customer. The new account was
closed, the balance transferred to my old account.
Taking shield behind the rules of the Fair Debt Collection
Act is not good business practice. Seventh
Avenue needs to take responsibility for their error and correct the situation
Seventh Avenue has the relationship with the credit bureaus
and can rectify this situation to soften the hit
I recommend the company to conduct training within their
Credit Department and how to handle orders, credit checks, etc
I am requesting for my complaint to be made public as this
may have already affected other consumers and must cease
Regards,
*** ***
The companies Ms*** mentions are all related through common ownershipMs*** can opt out of the sharing of external creditworthiness information, such as consumer credit reports, between the companiesShe cannot, however, prevent the sharing of payment performance
information between related companiesAs a result, late payments and/or defaults with one company will have an impact on the credit granting decision of other companies
Finally, it should be noted that review and maintenance of an account is a permissible purpose for obtaining a consumer credit report, regardless of any existing limitFurther, the terms of the credit agreement Ms*** entered into specifically provide for such credit inquiries
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is just a generic responseIt is up to the furnisher to report accurate informationThey need to delete this from my credit report.
Regards,
*** ***
Ms*** placed an order with Seventh Avenue that was posted to her credit account on August 14, No payments were received before the account was charged off as a loss and referred to a collection agency in June of The account balance was paid in full in three installment,
beginning in September of an concluding in November of Seventh Avenue has accurately reported the status of MsDickerson's account - Paid in Full, Was a Charge-off, with a zero balance dueNonetheless, as a courtesy to MsDickerson, Seventh Avenue will request deletion of the account information from her credit fileThis change will take at least days to appear on a consumer credit report
We received your correspondence from the Revdex.com regarding Order #*** received by mail 11/30/Please accept our apologies that your order did not arrive when expected
Our records indicate that the order was requested to arrive December 15th, The order was shipped
from our facility 12/9/and was delivered 12/16/Notes from a call received 12/16/show we were informed the carrier would not deliver to your address and the items would be held until they were picked upOur agent advised that the items be donated and to send in a receipt from the donation so that the order could be creditedAs of today’s date, our system does not have record of a donation receipt or refused items received
As a courtesy, we have issued full credit for your orderInformation regarding your credit standing is being corrected
We hope this information is helpful
Sincerely,
The Swiss Colony
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***I never received merchandise from the company which I stated to them back in I do not have nay contract with this company so with this being said I want negative information from this company taking off my credit report
We received the correspondence from the RevDex.com regarding the internet order (#***) you placed on 8/23/in the
amount of $91.45. We are sorry for any inconvenience you experienced with
your order
Thank you for bringing your concerns to our
attentionOur
information indicates our system was unable to locate the Gift Certificate due
to an error in entering the gift certificate numberThis error prompted a
request for you to contact us directlyUnfortunately, when you called our
agents did not identify your concern and failed to issue a
correction. Please accept our apologies for this errorWe corrected the
data entry for your gift certificate completed the processing of your order
The order was shipped on August 28, and is estimated to arrive about
September 4th. The tracking information should be received via
email for your convenience
Mr*** will need to provide additional information in order for Midnight Velvet to investigate and respond to his complaintSpecifically, the account number included on a consumer credit report would be helpful
Montgomery Ward's records indicate Mr*** placed an order for an air conditioner on August 18, The item was delivered on August 27, 2014, yet Mr*** complaint alleges he was unable to test the operation of the air conditioner because he received it in the middle of winterMr***
contacted Wards in July of and alleged that the air condition was defectiveDespite the fact that the purchase was well beyond the day return period stated in Ward's guarantee - and in contract to Mr*** claims - Wards offered to send shipping labels for the return of the air conditioner. As of this date Mr*** has not returned the air conditionerMore to the point, however, Mr*** made only $in payments on his account after purchasing the air conditionerHis account was charged off as a loss and referred to a collection agency in April of Mr*** will not be receiving a refund for the purchase of the air conditioner because he has never paid for the air conditioner
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Unfortunately, I didn't receive any letters or notices at the time the incidents first occured (2013) and/or perhaps because I live in a QUADPLEX and was a fairly new residentI have a neighbor with a similar address and she's 75+ years old and is not 100% cognizant (it even to this DAY sometimes my mail is delivered to her)Also, the phone I have on record is a Google Voice number with an automatic spam filter and most numbers are sent directly to voicemail and put in a trash folderI did NOT know about the orders until sometime in when I checked my credit reportsAt that time I filed my first disputes then subsequently put the problem off to the sideThen filed additional disputes in and tried to come up with a solution and offered to pay an amount as long as the negative information was deletedWhen that was denied I obtained legal advice that I was NOT liable for the orders in the first place because they were unauthorizedI then spoke with the FCC etc I received the companies reply letters in as I noted the deeply discounted payment offer they sent but at that time I knew I wasn't liable and they did not offer to delete the negative information and even stated that the account woul be further marred as a "partially paid collection account"I've done everything I can do at this point other than filing with the FCC, CFPB and obtaining a lawyer for damages
*** ***
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Purely in the interest of resolving this complaint, Ashro has elected to request deletion of the account information from Ms***' credit fileThis change may take up to days to appear on a consumer credit report
Seventh Avenue has requested deletion of the January, inquiry from Ms*** consumer credit filePlease note that this is a request and that the discretion to remove consumer initiated inquiries (even ones determined after the fact to be fraudulent) lies entirely with the individual consumer reporting agenciesThe inquiry reflects a pre-screen conducted by Seventh Avenue, which resulted in a pre-approved offer being sent to Ms***Inquires of this type are not seen by other creditors and do not affect a consumer's credit scoreThe consumer reporting agencies will not consent to remove a creditor initiated consumer inquiry
Please note that Ms*** Montgomery Ward account was opened in February of and was charged off as a loss in June of 2011, both of which are less than seven years agoPlease also note that Ward's has no record of receiving a return of any merchandise on this account
Nonetheless, due to
the small balance and the age of the account, Montgomery Ward elected to request deletion of the account information from Ms*** credit file in March of
Ms*** account has been credited to a zero balance and closedHer account has been coded to prevent sharing of her information
Mr*** called on March 15, and was a receipt would not be issued until any payment received was processed and clearedMr*** was also given the telephone number of the collection agency that is handling his accountHe can contact the agency to make payment arrangements
Mr***
should note, however, that payment of the delinquent account will not result in the deletion of the account information from his credit reportThe balance due and the status of the account will be updated to reflect the payment in full, but the account history will remain on his consumer credit report
We received the correspondence from the Revdex.com and regret the information listed by the consumer does not exactly match the profileWe maintain security practices designed to protect the security, integrity and confidentiality of customer informationShould additional data become
available to match the account profile, we will address the concernsSincerely, Swiss Colony
Midnight Velvet does not, as a matter of policy, offer or accept deletion of account information as a condition of payment of a delinquent accountMs***’s account was charged off as a loss in Aril of and referred to a collection agencyCollection agencies that work Midnight Velvet accounts
are also prohibited from offering or accepting deletion of account information as a condition of payment of a delinquent accountOn May 16, Midnight Velvet received a payment from the collection agency handling her accountThere is no indication that an agent of Midnight Velvet informed Ms*** that her account information would be deleted if she paid the balance in fullHer account is now reporting as Paid in Full, was a charge-offThis information accurately reflects the payment history and current status of the account: Ms*** failed to pay her account, it was charged off as a loss and she subsequently paid the charged off account in full
My apologies for the typo, the last date should be Regardless, the determination will be made by the consumer reporting agencies, not by Ginny's
The account may appear under my maiden name of Jordan Lawrence, I have sent a direct dispute and received no responseWho at Swiss colony could I contact to provide my social security number or other detailed informationI included all that information in my direct dispute and when I called customer service and I am still being told the account can't be foundOnly the last few numbers of the account appear in my credit reportHaving the file deleted is what I'm hoping for but I can't seem to get anyonecto help me get it doneIf the account can't be found how is it on my credit reportPlease provide a contact person or detailed information on how I can resolve this directly with your company
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.]
I am fully aware of the Fair Debt Collection Act; I work for
Credit and Collections in a Corporate Office
Seventh Avenue ran my credit without my authorization on
November which resulted in a hard hit on my report. This has affected my credit report in a
negative way
I am an existing customer with all their companies. I placed an order and provided my Seventh
Avenue Charge Card Account to bill the purchase. When I noticed the hard hit on my credit
report, and Seventh Avenue requesting a partial payment towards the purchase, I
contacted Seventh Avenue and was advised a customer service representative, in
error, created a new account for me, not checking the system to see if I was an
existing customer. The new account was
closed, the balance transferred to my old account.
Taking shield behind the rules of the Fair Debt Collection
Act is not good business practice. Seventh
Avenue needs to take responsibility for their error and correct the situation
Seventh Avenue has the relationship with the credit bureaus
and can rectify this situation to soften the hit
I recommend the company to conduct training within their
Credit Department and how to handle orders, credit checks, etc
I am requesting for my complaint to be made public as this
may have already affected other consumers and must cease
Regards,
*** ***
The companies Ms*** mentions are all related through common ownershipMs*** can opt out of the sharing of external creditworthiness information, such as consumer credit reports, between the companiesShe cannot, however, prevent the sharing of payment performance
information between related companiesAs a result, late payments and/or defaults with one company will have an impact on the credit granting decision of other companies
Finally, it should be noted that review and maintenance of an account is a permissible purpose for obtaining a consumer credit report, regardless of any existing limitFurther, the terms of the credit agreement Ms*** entered into specifically provide for such credit inquiries
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is just a generic responseIt is up to the furnisher to report accurate informationThey need to delete this from my credit report.
Regards,
*** ***
Ms*** placed an order with Seventh Avenue that was posted to her credit account on August 14, No payments were received before the account was charged off as a loss and referred to a collection agency in June of The account balance was paid in full in three installment,
beginning in September of an concluding in November of Seventh Avenue has accurately reported the status of MsDickerson's account - Paid in Full, Was a Charge-off, with a zero balance dueNonetheless, as a courtesy to MsDickerson, Seventh Avenue will request deletion of the account information from her credit fileThis change will take at least days to appear on a consumer credit report
We received your correspondence from the Revdex.com regarding Order #*** received by mail 11/30/Please accept our apologies that your order did not arrive when expected
Our records indicate that the order was requested to arrive December 15th, The order was shipped
from our facility 12/9/and was delivered 12/16/Notes from a call received 12/16/show we were informed the carrier would not deliver to your address and the items would be held until they were picked upOur agent advised that the items be donated and to send in a receipt from the donation so that the order could be creditedAs of today’s date, our system does not have record of a donation receipt or refused items received
As a courtesy, we have issued full credit for your orderInformation regarding your credit standing is being corrected
We hope this information is helpful
Sincerely,
The Swiss Colony
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***I never received merchandise from the company which I stated to them back in I do not have nay contract with this company so with this being said I want negative information from this company taking off my credit report
We received the correspondence from the RevDex.com regarding the internet order (#***) you placed on 8/23/in the
amount of $91.45. We are sorry for any inconvenience you experienced with
your order
Thank you for bringing your concerns to our
attentionOur
information indicates our system was unable to locate the Gift Certificate due
to an error in entering the gift certificate numberThis error prompted a
request for you to contact us directlyUnfortunately, when you called our
agents did not identify your concern and failed to issue a
correction. Please accept our apologies for this errorWe corrected the
data entry for your gift certificate completed the processing of your order
The order was shipped on August 28, and is estimated to arrive about
September 4th. The tracking information should be received via
email for your convenience
Mr*** will need to provide additional information in order for Midnight Velvet to investigate and respond to his complaintSpecifically, the account number included on a consumer credit report would be helpful
Montgomery Ward's records indicate Mr*** placed an order for an air conditioner on August 18, The item was delivered on August 27, 2014, yet Mr*** complaint alleges he was unable to test the operation of the air conditioner because he received it in the middle of winterMr***
contacted Wards in July of and alleged that the air condition was defectiveDespite the fact that the purchase was well beyond the day return period stated in Ward's guarantee - and in contract to Mr*** claims - Wards offered to send shipping labels for the return of the air conditioner. As of this date Mr*** has not returned the air conditionerMore to the point, however, Mr*** made only $in payments on his account after purchasing the air conditionerHis account was charged off as a loss and referred to a collection agency in April of Mr*** will not be receiving a refund for the purchase of the air conditioner because he has never paid for the air conditioner
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Unfortunately, I didn't receive any letters or notices at the time the incidents first occured (2013) and/or perhaps because I live in a QUADPLEX and was a fairly new residentI have a neighbor with a similar address and she's 75+ years old and is not 100% cognizant (it even to this DAY sometimes my mail is delivered to her)Also, the phone I have on record is a Google Voice number with an automatic spam filter and most numbers are sent directly to voicemail and put in a trash folderI did NOT know about the orders until sometime in when I checked my credit reportsAt that time I filed my first disputes then subsequently put the problem off to the sideThen filed additional disputes in and tried to come up with a solution and offered to pay an amount as long as the negative information was deletedWhen that was denied I obtained legal advice that I was NOT liable for the orders in the first place because they were unauthorizedI then spoke with the FCC etc I received the companies reply letters in as I noted the deeply discounted payment offer they sent but at that time I knew I wasn't liable and they did not offer to delete the negative information and even stated that the account woul be further marred as a "partially paid collection account"I've done everything I can do at this point other than filing with the FCC, CFPB and obtaining a lawyer for damages
*** ***