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
*** ***
Montgomery Wards has reviewed the complaint submitted by Mr*** and has determined that the account should be coded as fraudA deletion notice will be sent to the consumer reporting agenciesPlease note that this change may take days to appear on a consumer credit report
Ms*** was pre-screened on September 2, and was sent a pre-approved offer of $Pre-screening inquiries do not impact a consumer’s credit score and they are not visible to creditors who request a consumer credit reportPre-screened or “soft” inquiries appear in a separate section of a report provided to the consumer that labels them as such
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
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
The information regarding Mr*** account has been updated to reflect its current status as a paid charge offAs a courtesy to Mr***, Seventh Avenue will request deletion of the account information from his consumer credit reportPlease note that this change will take days to
appear on a consumer credit report
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 as long as Colony Brands credit the billI will gladly pay the for the bracelet
Regards,
*** ***
Ms*** has made multiple payments exceeding the balance on her accountShe has received a refund for some of those paymentsShe will receive a refund for the remaining amount when the payments have cleared and the funds are secured
[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,
*** ***
Colony Brands offers its apologies for any inconvenience Ms*** may have experienced as a result of this matterAn agent was able to contact Ms*** directly and help to resolve her concerns
[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,
*** ***
Mr
*** should refer to the text of the Fair Credit Reporting Act (USC 1681)
to see that 1.) it is the responsibility of the consumer reporting agency to
remove outdated consumer information from a credit report and 2.) the seven
year reporting period begins when the account is charged off as a loss, not
when the account is openedMr***’s account was charged off in January of
USC 1681(c)
Except as authorized under
subsection (b) of this section, no consumer reporting agency may make any
consumer report containing any of the following items of information:
…
(4) Accounts placed for collection or charged
to profit and loss which antedate the report by more than seven years
(c)The 7-year period
referred to in paragraphs (4) and (6) of subsection (a) of this section shall
begin, with respect to any delinquent account that is placed for collection
(internally or by referral to a third party, whichever is earlier), charged to
profit and loss, or subjected to any similar action, upon the expiration of the
180-day period beginning on the date of the commencement of the delinquency
which immediately preceded the collection activity, charge to profit and loss,
or similar action
[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 11981760, and find that this resolution is satisfactory to me.
Regards,
William ***
Ginny's furnishes identical account information to each of the consumer reporting agenciesIf the information published by one of the agencies differs from the others, it is an error or omission by the agencyMoreover, in this instance, Ginny's responded to an automated consumer dispute received from Equifax on February 10, and provided accurate information regarding the accountThe account status was reported as a Paid Charge Off, with a $balance dueIf Equifax has failed to update its records to reflect the correct status of Ms*** account, as reported by Ginny's, she will need to address her concerns directly to the agency
Home at Five has never offered or advertised "no interest" on its credit plan
More important, however, a purchase of almost $on a plan that features a $monthly minimum payment would require more than payments to reach a zero balance
Mr***'s scheduled payment amount did not increase to $10, it increased to $based on the balance on his account after his second purchaseThe MINIMUM PAYMENT DUE on his account, however, increased each time he missed a paymentThus, when he missed his first payment, the minimum payment due by the next due date increased to $(the $scheduled payment amount PLUS the $past due amount)
Home at Five has closed Mr***'s account and has, as stated previously, credited his account as a courtesy to remove the late payment fees assessedNo further adjustments will be made to the account
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. I closed my checking account prior due to someone having my account number. I have an active checking account that has been active and used ever since. So either accept the payment from the current checking account. And, yes it is identical complaint because the contact I have made to Seventh Avenue regarding making payments online by check, I HAVE NEVER been told that I was declined payment by check.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
The cost in has never went down the pictures show the difference .bought items that didn't come to over went from a month to a month after yrs of paying its not changing the offer of no interest doesn't workI want the ACCOUNT closed thank you so much ms Jae *** also the offer was to mr J*** they Don't Know who they are Billing
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
How frustrating that a person/customer/victim of fraud needs to hand hold customer service and the fraud department to resolve a complaint now going on a month later. Its also very frustrating that a response to the initial complaint was so quickly overlooked in the most recent response regarding another order under my name. If more than just the minimal effort was provided I wouldn't have to explain that if you pull up my name and info, the order that initially started this complaint would show that a product and amount was issued.Specifically, I AM STILL WAITING FOR A SHIPPING LABEL to send a product that was sent in error in order to CLEAR ANY AMOUNTS with ANY orders listed and in conjunction with my name and ID. Specifically the order number which should already have been reported as fraud, sent out and resolved is: ***Specifically this order was sent to a address that DOES NOT CORRESPOND WITH MY CURRENT ADDRESS AS LISTED THROUGH ALL CREDIT AGENCIES.Specifically this order was sent 12/29/charging $in a fraudulent account under my nameSpecifically this order initiated a direct call to Seventh Avenue customer service who told me I could not have a return shipping label sent to me until this fraudulent claim was investigated and resolvedSpecifically this inability to resolve this issue through company service (unlike any other company I've ever had to deal with) initiated this complaint to resolve this problemIf it is for some reason still unclear how to resolve this matter, any records, amounts, products, ANYTHING ASSOCIATED WITH MY NAME AND ID needs to be COMPLETELY wiped clean from not only credit issued through this company but also on my credit report.
Regards,
*** ***
[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,
*** ***
I will close the complaint once I receive the check what was the amount
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
*** ***
Montgomery Wards has reviewed the complaint submitted by Mr*** and has determined that the account should be coded as fraudA deletion notice will be sent to the consumer reporting agenciesPlease note that this change may take days to appear on a consumer credit report
Ms*** was pre-screened on September 2, and was sent a pre-approved offer of $Pre-screening inquiries do not impact a consumer’s credit score and they are not visible to creditors who request a consumer credit reportPre-screened or “soft” inquiries appear in a separate section of a report provided to the consumer that labels them as such
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
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
The information regarding Mr*** account has been updated to reflect its current status as a paid charge offAs a courtesy to Mr***, Seventh Avenue will request deletion of the account information from his consumer credit reportPlease note that this change will take days to
appear on a consumer credit report
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 as long as Colony Brands credit the billI will gladly pay the for the bracelet
Regards,
*** ***
Ms*** has made multiple payments exceeding the balance on her accountShe has received a refund for some of those paymentsShe will receive a refund for the remaining amount when the payments have cleared and the funds are secured
[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,
*** ***
Colony Brands offers its apologies for any inconvenience Ms*** may have experienced as a result of this matterAn agent was able to contact Ms*** directly and help to resolve her concerns
[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,
*** ***
Mr
*** should refer to the text of the Fair Credit Reporting Act (USC 1681)
to see that 1.) it is the responsibility of the consumer reporting agency to
remove outdated consumer information from a credit report and 2.) the seven
year reporting period begins when the account is charged off as a loss, not
when the account is openedMr***’s account was charged off in January of
USC 1681(c)
Except as authorized under
subsection (b) of this section, no consumer reporting agency may make any
consumer report containing any of the following items of information:
…
(4) Accounts placed for collection or charged
to profit and loss which antedate the report by more than seven years
(c)The 7-year period
referred to in paragraphs (4) and (6) of subsection (a) of this section shall
begin, with respect to any delinquent account that is placed for collection
(internally or by referral to a third party, whichever is earlier), charged to
profit and loss, or subjected to any similar action, upon the expiration of the
180-day period beginning on the date of the commencement of the delinquency
which immediately preceded the collection activity, charge to profit and loss,
or similar action
[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 11981760, and find that this resolution is satisfactory to me.
Regards,
William ***
Ginny's furnishes identical account information to each of the consumer reporting agenciesIf the information published by one of the agencies differs from the others, it is an error or omission by the agencyMoreover, in this instance, Ginny's responded to an automated consumer dispute received from Equifax on February 10, and provided accurate information regarding the accountThe account status was reported as a Paid Charge Off, with a $balance dueIf Equifax has failed to update its records to reflect the correct status of Ms*** account, as reported by Ginny's, she will need to address her concerns directly to the agency
Home at Five has never offered or advertised "no interest" on its credit plan
More important, however, a purchase of almost $on a plan that features a $monthly minimum payment would require more than payments to reach a zero balance
Mr***'s scheduled payment amount did not increase to $10, it increased to $based on the balance on his account after his second purchaseThe MINIMUM PAYMENT DUE on his account, however, increased each time he missed a paymentThus, when he missed his first payment, the minimum payment due by the next due date increased to $(the $scheduled payment amount PLUS the $past due amount)
Home at Five has closed Mr***'s account and has, as stated previously, credited his account as a courtesy to remove the late payment fees assessedNo further adjustments will be made to the account
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. I closed my checking account prior due to someone having my account number. I have an active checking account that has been active and used ever since. So either accept the payment from the current checking account. And, yes it is identical complaint because the contact I have made to Seventh Avenue regarding making payments online by check, I HAVE NEVER been told that I was declined payment by check.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
The cost in has never went down the pictures show the difference .bought items that didn't come to over went from a month to a month after yrs of paying its not changing the offer of no interest doesn't workI want the ACCOUNT closed thank you so much ms Jae *** also the offer was to mr J*** they Don't Know who they are Billing
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
How frustrating that a person/customer/victim of fraud needs to hand hold customer service and the fraud department to resolve a complaint now going on a month later. Its also very frustrating that a response to the initial complaint was so quickly overlooked in the most recent response regarding another order under my name. If more than just the minimal effort was provided I wouldn't have to explain that if you pull up my name and info, the order that initially started this complaint would show that a product and amount was issued.Specifically, I AM STILL WAITING FOR A SHIPPING LABEL to send a product that was sent in error in order to CLEAR ANY AMOUNTS with ANY orders listed and in conjunction with my name and ID. Specifically the order number which should already have been reported as fraud, sent out and resolved is: ***Specifically this order was sent to a address that DOES NOT CORRESPOND WITH MY CURRENT ADDRESS AS LISTED THROUGH ALL CREDIT AGENCIES.Specifically this order was sent 12/29/charging $in a fraudulent account under my nameSpecifically this order initiated a direct call to Seventh Avenue customer service who told me I could not have a return shipping label sent to me until this fraudulent claim was investigated and resolvedSpecifically this inability to resolve this issue through company service (unlike any other company I've ever had to deal with) initiated this complaint to resolve this problemIf it is for some reason still unclear how to resolve this matter, any records, amounts, products, ANYTHING ASSOCIATED WITH MY NAME AND ID needs to be COMPLETELY wiped clean from not only credit issued through this company but also on my credit report.
Regards,
*** ***
As previously stated, the statement sent on 6/9/will reflect the current balance for the towels plus shipping and handling charges
[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,
*** ***
I will close the complaint once I receive the check what was the amount