On September 6,Mr*** placed an order in the amount of $This order would have increased his account balance beyond the approved credit limit in effect at the time of the orderSeventh Avenue requested a consumer credit report to determine if the additional credit could be extended
to Mr***The consumer credit report received by Seventh Avenue included a consumer fraud alert that prohibited any additional extension of credit unless the consumer was contactedSeventh Avenue will attempt to contact Mr*** to resolve the fraud alert so that his orders can be released
The email address was a data entry errorMidnight Velvet offers its apologies for this errorNone of the personal information (name, address, SSN) on the order matches Mr*** information and there is no indication that this is a case of identity theft. Midnight Velvet customer service agents are trained, in an abundance of caution, to offer an identity theft affidavit any time a customer indicates they did not place an orderMidnight Velvet will not be providing Mr*** with any additional information from the order
None of the companies named in the complaint have a record of an account in MsBell's name at the address listed in the complaintPlease provide account numbers or other information to allow verification of the correct account
[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,
*** ***
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've delayed this response in hopes of receiving either a return shipping label or the forms I was told to complete in order to close this account and to send back the item. As of today, 1/17/18, days after calling in and filing this complaint I still have yet to receive ANYTHING other than the letter attached. In this letter, it even states that this account is fraud, and that the order should not have been approved. This being after the fact that I now have a product and an account that is still under my name and in my credit history, including the hard inquiry that was made. I need to have everything and anything under my name associated with this company and its affiliates to be wiped completely clean.I was directly told by both agents I spoke with that I would not be able to get a return shipping label because of the claim of fraud and that I would be able to do so ONLY AFTER the account was investigated and closed. The response from the company is not only and inaccurate, but also not showing current actual resolve since I have not received forms nor return label. Only further frustrating my attempts to resolve a matter that even the company claims was not even my fault.
Regards,
*** ***
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.] If the policy is to only report charge offs to the credit agencies which negatively impacts one's credit rating and score - this is not good for the customer I am requesting that the policy be CHANGED to report ALL information negative or positive It is a disservice to the customer who does not have a negative payment history, made all their payments on time, and even paid the account off in full For this information not to be reported in my view is a violation of the FCRA - Fair credit reporting Act And if necessary I will contact the attorney general of Wisconsin and ask them to investigate this company for its discriminatory practices in credit reporting on customers
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. I have faxed the death certificate to the number given to me by a representative at Swiss Colony on Tuesday. Thank you
Regards,
*** ***
Thank you for contacting customer service, we have received your items back and have credited your accountItems are removed from our website when inventory is depleted and they become no longer available
Ashro’s records indicate Ms***’ account was opened in October of and that multiple payments were made on the account before it was charged off as a loss in August of The charge off of the account was reported to the consumer reporting agencies beginning in September of Ms
*** first disputed the account through a consumer reporting agency in January of 2016, more than three years after the charge off was first reportedIn response to her dispute Ashro mailed an identity theft affidavit to Ms***Ashro has not received a completed affidavitBased on the information currently available, Ashro has a reasonable basis for believing that Ms*** opened the account and is responsible for payment of the balanceAshro will investigate this matter further upon receipt of additional information , such as an identity theft affidavit, from Ms***
Seventh Avenue regrets that previous experience with bad checks has created a situation in which her check has been heldA refund check will be sent to her attention in the next five days
An agent from Monroe & Main will contact Ms*** directly to resolve this issue as Monroe & Main has no record of an account in the name of *** *** anywhere in the U.SThe attached image does not include an account number or other information that would assist in locating the account at issue
We received the correspondence from the Revdex.com in regards to your order #*** placed via phone on 7/5/2015. We apologize for any confusion regarding your returns and account billing
Our records indicate the Marnie Shoe was returned and processed 7/14/for $and the Lace Trim Gown followed on 8/5/for $62.99. Shipping and processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind or the item did not fit. The Midnight Velvet guarantee is listed on the order blank in the center of the catalog, or online under Customer Service and states, “If any item, for any reason, does not meet your expectations, just return it to us within days. We’ll gladly, refund your merchandise amount, credit your account, or send a replacement (if available). Your satisfaction is guaranteed!”
The items were returned using the Smart Label option at a cost of $to be applied to your account when returnedThis is a convenience we offer our customers to save time by allowing them to give the return to their postman or by just dropping it off at the post office The information regarding the use of the Smart label are clearly attached to the label prior to the removal and attaching to the box for return. The remaining balance reflects finance charges and late fees, and amount due for the Round Pave Bracelet. Additional charges were incurred as payment was not made in accordance with the credit agreement
As a courtesy, we have credited your account for the Smart Label option, the original shipping and processing of $and removed the late fee and finance charges. Your account balance will reflect the balance of $within the next twenty four to forty eight hours. The balance would be need to be paid prior to November 10th, 2015. We regret any disappointment or inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet
We are sorry if you did not have the opportunity to see our response to Complaint: ***, which was posted October 14,and states:
We received the correspondence from the Revdex.com in regards to your orders from Seventh Avenue. We are sorry for any disappointment
with your orders and appreciate the opportunity to review your concerns. Please accept our sincere apology for any inconvenience you encountered while waiting to speak with Supervision. Customer satisfaction is very important to us; we are further researching how your call was lost and apologize your concern was not resolved at that time
Our records indicate your orders were placed via phone. The orders were placed from different catalogs. Each catalog is unique with offerings for different seasons and comparative pricing. Merchandising offers can be for extended periods of time, or a pre-season special. Complete portrayals of products in our catalog are listed giving size, color and descriptions. This allows the customer to visualize the item or complete any measuring calculations prior to orderingOur guarantee states, “If any item for any reason does not meet your expectations, just return it to us. We’ll gladly, refund your merchandise amount, credit your account, or send a replacement (if available). Your satisfaction is guaranteed!”
On the order blank in the center of the catalog is a Mail Opt Out which states, “We may permit reputable companies to send catalogs to our customers. If you prefer not to receive such mailings, write us and enclose your current mailing label.” You may also contact us via phone or email to relay this informationCurrently our records show requests for no additional catalogs from Seventh Avenue and Home at Five. Please allow six to eight weeks, as some catalogs may already be at the distribution center to be mailed at a later dateYour request to not divulge or share information has been issued We received your name on a listing from the Union Workers Advantage in May of 2014. Additionally, you may contact the Direct Marketing Association online at https://dmachoice.org/ to opt out or make changes for any mail preference or additional information
An order acknowledgement is sent to your email address after the completion of the orderThis allows the consumer to review the order along with order totals The balance of $reflected a portion of the balance remaining for the Tribeca Curtain along with shipping and processing of the itemWe have as a courtesy credited your account for the Tribeca Curtain which will return the down payment of $21.16. This will be refunded within the next seven to twenty one days. We are sorry for any inconvenience but appreciate the opportunity to explain. Sincerely, Seventh Avenue
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
Why are you ignoring my dispute to validate this debt? I am disputing it now and you are just saying you don't have to validate or verify this debt you are reporting to the credit bureaus?
Regards,
*** ***
We received the correspondence from the Revdex.com in regards to your order #*** placed 4/27/via phoneWe sincerely apologize your experience shopping with Ashro was not as anticipatedThank you for bringing your concerns to our attentionWe appreciate the opportunity to
explain the shipping and processing of your order
Our records indicate the total amount of your order was indeed correct for $One day delivery has a premium price, as indicated by most mail order catalogsThese orders require special shipping and processing, as well as literally being shipped via air transport to your delivery zoneYour inquiry(s) regarding cost prior to placing the order was exactly what an informed consumer should requestIt was an error on our part the balance was not reviewed with you before submitting the order; nor was a call initiated to confirm your approvalWe are sorry to have disappointed you, and will be taking additional steps for retraining our staff so these errors do not occur
We have issued full credit for all shipping and processing leaving your account balance at $for the cost of the Corsica Snakeskin MocYour complete satisfaction is of the utmost importance to us and we regret any inconvenienceWe hope you’ll allow us another chance to serve you better in the near futureSincerely, Ashro
We received the correspondence from the Revdex.comWe are sincerely sorry for any inconvenience you experienced with the return of your gift items
You received items shipped to you that were purchased on the account of another customerWhen you returned those items the credit
for the return was applied to that accountThe items you ordered as “replacements” could not be charged to the original account without the consent of the account holderUnder these circumstances the request for “replacement items” should have been discarded and the payment you included should have been returnedInstead, a new order was created and processed in your name and a new account was openedWe regret any inconvenience this may have caused
Our guarantee is listed on the order blank in the center of the catalog or online and states, “All items come with a money-back guarantee, only if returned within days of invoice dateYou may request a full merchandise refund or exchange (if available)The refund or credit amount does not include the original shipping charges or return shipping charges.”
Records indicate items returned were considerably past the thirty day return policyThey were delivered June 1st & 3rd of
We have as a courtesy extended credit for merchandise returned beyond our policy, and applied it to your order, even though we had also extended credit to the original buyer for the items returnedYou will receive a refund of the $($& $9.36) you submitted for the difference
[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 Maybe if Midnight Velvet did not make a mistake, we would not find ourselves in the situation we do today and I would not have to go to such great lengths to have this matter rectified
Regards,
*** ***
We received the correspondence from the Revdex.com in regards to your account concernsWe are sorry for any confusion and will take the opportunity to explain why your account has a balance
Our records indicate your first order #552971-placed 12/29/($605) for the Signature
Electric FireplaceYour call was received 1/11/stating the fireplace had not been received and was credited due to carrier non-delivery
A second order #*** was placed 1/11/($370.94) for the Storage Electric FireplaceWhen we received your call 1/19/it was determined the wrong item was sent, so a replacement was issuedThe replacement was also determined to be incorrectWe issued Call Tags for UPS pickup on both units and upon the returns processing your order was credited in full
A third order #*** ($609.94) was placed 1/19/for the Electric Fireplace in Cherry as it was determined it was a larger model to suit your needsOur records indicate the day following receipt, a call was received stating assembly was difficult; due to improper factory pre-drilled holes and that you had disposed of the productIt is customary in the retail business and catalog business to have defective products returnedOur procedure for defective product is to have the item picked up and after returns processing the account credit is issuedIt is always desirable to save any packaging until it has been determined the product meets your needsWe regret any misunderstanding and have as a one time courtesy issued full creditPlease allow twenty four to seventy two hours for your account to reflect a zero balanceSeventh Avenue
On September 6,Mr*** placed an order in the amount of $This order would have increased his account balance beyond the approved credit limit in effect at the time of the orderSeventh Avenue requested a consumer credit report to determine if the additional credit could be extended
to Mr***The consumer credit report received by Seventh Avenue included a consumer fraud alert that prohibited any additional extension of credit unless the consumer was contactedSeventh Avenue will attempt to contact Mr*** to resolve the fraud alert so that his orders can be released
The email address was a data entry errorMidnight Velvet offers its apologies for this errorNone of the personal information (name, address, SSN) on the order matches Mr*** information and there is no indication that this is a case of identity theft. Midnight Velvet customer service agents are trained, in an abundance of caution, to offer an identity theft affidavit any time a customer indicates they did not place an orderMidnight Velvet will not be providing Mr*** with any additional information from the order
None of the companies named in the complaint have a record of an account in MsBell's name at the address listed in the complaintPlease provide account numbers or other information to allow verification of the correct account
[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,
*** ***
In order to resolve this matter, Seventh Avenue has contacted Ms*** directly
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've delayed this response in hopes of receiving either a return shipping label or the forms I was told to complete in order to close this account and to send back the item. As of today, 1/17/18, days after calling in and filing this complaint I still have yet to receive ANYTHING other than the letter attached. In this letter, it even states that this account is fraud, and that the order should not have been approved. This being after the fact that I now have a product and an account that is still under my name and in my credit history, including the hard inquiry that was made. I need to have everything and anything under my name associated with this company and its affiliates to be wiped completely clean.I was directly told by both agents I spoke with that I would not be able to get a return shipping label because of the claim of fraud and that I would be able to do so ONLY AFTER the account was investigated and closed. The response from the company is not only and inaccurate, but also not showing current actual resolve since I have not received forms nor return label. Only further frustrating my attempts to resolve a matter that even the company claims was not even my fault.
Regards,
*** ***
Seventh Avenue has reversed the transfer of the balance from Ms*** account and will resume billing under her original account number
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.] If the policy is to only report charge offs to the credit agencies which negatively impacts one's credit rating and score - this is not good for the customer I am requesting that the policy be CHANGED to report ALL information negative or positive It is a disservice to the customer who does not have a negative payment history, made all their payments on time, and even paid the account off in full For this information not to be reported in my view is a violation of the FCRA - Fair credit reporting Act And if necessary I will contact the attorney general of Wisconsin and ask them to investigate this company for its discriminatory practices in credit reporting on customers
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. I have faxed the death certificate to the number given to me by a representative at Swiss Colony on Tuesday. Thank you
Regards,
*** ***
Thank you for contacting customer service, we have received your items back and have credited your accountItems are removed from our website when inventory is depleted and they become no longer available
Ashro’s records indicate Ms***’ account was opened in October of and that multiple payments were made on the account before it was charged off as a loss in August of The charge off of the account was reported to the consumer reporting agencies beginning in September of Ms
*** first disputed the account through a consumer reporting agency in January of 2016, more than three years after the charge off was first reportedIn response to her dispute Ashro mailed an identity theft affidavit to Ms***Ashro has not received a completed affidavitBased on the information currently available, Ashro has a reasonable basis for believing that Ms*** opened the account and is responsible for payment of the balanceAshro will investigate this matter further upon receipt of additional information , such as an identity theft affidavit, from Ms***
Seventh Avenue regrets that previous experience with bad checks has created a situation in which her check has been heldA refund check will be sent to her attention in the next five days
An agent from Monroe & Main will contact Ms*** directly to resolve this issue as Monroe & Main has no record of an account in the name of *** *** anywhere in the U.SThe attached image does not include an account number or other information that would assist in locating the account at issue
We received the correspondence from the Revdex.com in regards to your order #*** placed via phone on 7/5/2015. We apologize for any confusion regarding your returns and account billing
Our records indicate the Marnie Shoe was returned and processed 7/14/for $and the Lace Trim Gown followed on 8/5/for $62.99. Shipping and processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind or the item did not fit. The Midnight Velvet guarantee is listed on the order blank in the center of the catalog, or online under Customer Service and states, “If any item, for any reason, does not meet your expectations, just return it to us within days. We’ll gladly, refund your merchandise amount, credit your account, or send a replacement (if available). Your satisfaction is guaranteed!”
The items were returned using the Smart Label option at a cost of $to be applied to your account when returnedThis is a convenience we offer our customers to save time by allowing them to give the return to their postman or by just dropping it off at the post office The information regarding the use of the Smart label are clearly attached to the label prior to the removal and attaching to the box for return. The remaining balance reflects finance charges and late fees, and amount due for the Round Pave Bracelet. Additional charges were incurred as payment was not made in accordance with the credit agreement
As a courtesy, we have credited your account for the Smart Label option, the original shipping and processing of $and removed the late fee and finance charges. Your account balance will reflect the balance of $within the next twenty four to forty eight hours. The balance would be need to be paid prior to November 10th, 2015. We regret any disappointment or inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet
We are sorry if you did not have the opportunity to see our response to Complaint: ***, which was posted October 14,and states:
We received the correspondence from the Revdex.com in regards to your orders from Seventh Avenue. We are sorry for any disappointment
with your orders and appreciate the opportunity to review your concerns. Please accept our sincere apology for any inconvenience you encountered while waiting to speak with Supervision. Customer satisfaction is very important to us; we are further researching how your call was lost and apologize your concern was not resolved at that time
Our records indicate your orders were placed via phone. The orders were placed from different catalogs. Each catalog is unique with offerings for different seasons and comparative pricing. Merchandising offers can be for extended periods of time, or a pre-season special. Complete portrayals of products in our catalog are listed giving size, color and descriptions. This allows the customer to visualize the item or complete any measuring calculations prior to orderingOur guarantee states, “If any item for any reason does not meet your expectations, just return it to us. We’ll gladly, refund your merchandise amount, credit your account, or send a replacement (if available). Your satisfaction is guaranteed!”
On the order blank in the center of the catalog is a Mail Opt Out which states, “We may permit reputable companies to send catalogs to our customers. If you prefer not to receive such mailings, write us and enclose your current mailing label.” You may also contact us via phone or email to relay this informationCurrently our records show requests for no additional catalogs from Seventh Avenue and Home at Five. Please allow six to eight weeks, as some catalogs may already be at the distribution center to be mailed at a later dateYour request to not divulge or share information has been issued We received your name on a listing from the Union Workers Advantage in May of 2014. Additionally, you may contact the Direct Marketing Association online at https://dmachoice.org/ to opt out or make changes for any mail preference or additional information
An order acknowledgement is sent to your email address after the completion of the orderThis allows the consumer to review the order along with order totals The balance of $reflected a portion of the balance remaining for the Tribeca Curtain along with shipping and processing of the itemWe have as a courtesy credited your account for the Tribeca Curtain which will return the down payment of $21.16. This will be refunded within the next seven to twenty one days. We are sorry for any inconvenience but appreciate the opportunity to explain. Sincerely, Seventh Avenue
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
Why are you ignoring my dispute to validate this debt? I am disputing it now and you are just saying you don't have to validate or verify this debt you are reporting to the credit bureaus?
Regards,
*** ***
We received the correspondence from the Revdex.com in regards to your order #*** placed 4/27/via phoneWe sincerely apologize your experience shopping with Ashro was not as anticipatedThank you for bringing your concerns to our attentionWe appreciate the opportunity to
explain the shipping and processing of your order
Our records indicate the total amount of your order was indeed correct for $One day delivery has a premium price, as indicated by most mail order catalogsThese orders require special shipping and processing, as well as literally being shipped via air transport to your delivery zoneYour inquiry(s) regarding cost prior to placing the order was exactly what an informed consumer should requestIt was an error on our part the balance was not reviewed with you before submitting the order; nor was a call initiated to confirm your approvalWe are sorry to have disappointed you, and will be taking additional steps for retraining our staff so these errors do not occur
We have issued full credit for all shipping and processing leaving your account balance at $for the cost of the Corsica Snakeskin MocYour complete satisfaction is of the utmost importance to us and we regret any inconvenienceWe hope you’ll allow us another chance to serve you better in the near futureSincerely, Ashro
We received the correspondence from the Revdex.comWe are sincerely sorry for any inconvenience you experienced with the return of your gift items
You received items shipped to you that were purchased on the account of another customerWhen you returned those items the credit
for the return was applied to that accountThe items you ordered as “replacements” could not be charged to the original account without the consent of the account holderUnder these circumstances the request for “replacement items” should have been discarded and the payment you included should have been returnedInstead, a new order was created and processed in your name and a new account was openedWe regret any inconvenience this may have caused
Our guarantee is listed on the order blank in the center of the catalog or online and states, “All items come with a money-back guarantee, only if returned within days of invoice dateYou may request a full merchandise refund or exchange (if available)The refund or credit amount does not include the original shipping charges or return shipping charges.”
Records indicate items returned were considerably past the thirty day return policyThey were delivered June 1st & 3rd of
We have as a courtesy extended credit for merchandise returned beyond our policy, and applied it to your order, even though we had also extended credit to the original buyer for the items returnedYou will receive a refund of the $($& $9.36) you submitted for the difference
[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 Maybe if Midnight Velvet did not make a mistake, we would not find ourselves in the situation we do today and I would not have to go to such great lengths to have this matter rectified
Regards,
*** ***
We received the correspondence from the Revdex.com in regards to your account concernsWe are sorry for any confusion and will take the opportunity to explain why your account has a balance
Our records indicate your first order #552971-placed 12/29/($605) for the Signature
Electric FireplaceYour call was received 1/11/stating the fireplace had not been received and was credited due to carrier non-delivery
A second order #*** was placed 1/11/($370.94) for the Storage Electric FireplaceWhen we received your call 1/19/it was determined the wrong item was sent, so a replacement was issuedThe replacement was also determined to be incorrectWe issued Call Tags for UPS pickup on both units and upon the returns processing your order was credited in full
A third order #*** ($609.94) was placed 1/19/for the Electric Fireplace in Cherry as it was determined it was a larger model to suit your needsOur records indicate the day following receipt, a call was received stating assembly was difficult; due to improper factory pre-drilled holes and that you had disposed of the productIt is customary in the retail business and catalog business to have defective products returnedOur procedure for defective product is to have the item picked up and after returns processing the account credit is issuedIt is always desirable to save any packaging until it has been determined the product meets your needsWe regret any misunderstanding and have as a one time courtesy issued full creditPlease allow twenty four to seventy two hours for your account to reflect a zero balanceSeventh Avenue