Ginny's does not now and has never offered a program that allows consumers to pay $per month for lifeGinny's monthly payment amount is and always has been calculated on the Highest New Balance on an account
More specifically, Ms*** was mailed a Ginny's catalog in the fall of that
included a pre-approved credit offer in the amount of $The offer stated "YOU CAN CHARGE $AND PAY ONLY $A MONTH!"
This exact language appears on the order form Ms*** mailed in with her first order on August 21,
The order form also stated "See terms of credit and pre-approved offer on the back of this form." Ms*** was also sent a copy of the full credit agreement with her first order
Ms*** subsequently received a credit limit increase to $1,and then to $1,200, with monthly payments of $and $indicated on the order formsPlease note that all of these payment amounts apply ONLY
In November of Ms*** placed an order that exceeded her existing credit limitGinny's reviewed her credit history and approved the additional extension of creditAs a result, her monthly payment increased to $in January of and, following another purchase in April, to $in May of
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 was only included in a bankruptcy filing because it was fraudulently on my credit report, not because this was a debt proven to be validatedInclusion in a bankruptcy proceeding is not validation of a debtPlease produce any application for credit or contract bearing my signature as an obligation to paySince the organization is absent these items, this MUST be removed from my credit file(s) pursuant to the FCRA
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.]
Regards,
Rae ***: RE: I only had one account with MONROE AND MAINThey are speaking of their own inadequate accounting procedures.I do not accept the response made by the business, as the business is merely repeating my complaintsWhen an individual pays on an account in good faith, it is in the businesses best interest to keep that customerToo many customers walk away owing the businessSubmitting for information from the credit bureau for that small amount, when nothing in my history with this business would provocate such a search orapproval, is dispicableAnd since I have already paid the entire amount owed to them, my account is PAID IN FULL, I will now end my relationship with them.Please close this account, so that my damaged credit account can be repaired, by one less accountIf this account is not closed within days, I will submit again to the Revdex.com towards this complaintDO NOT SOLICIT YOUR CATALOGS TO MY ADDRESS.MS***
We received the correspondence from the Revdex.com in regards to order *** placed 8/21/via internetWe are sorry to hear of any disappointment with your order
We promptly credited your account for the price of the phone upon receipt of your returnShipping 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 fitYour order was returned using the Smart Label return option at a cost of $to be applied to your account when returnedThis is a convenience we offer our customers to assist them for ease of return, by just dropping it off at the nearest post office, or handing to your postmanThis information is clearly listed on the label prior to removalThe Montgomery Ward guarantee is listed on the order blank in the center of the catalog or online under Customer Service and states, “When you receive your order, if you are not completely satisfied you can return any unused item in its original packaging for a full refund of the purchase price (excluding shipping and processing charges) or exchange (subject to the terms and conditions below).” A chart is listed for your convenience both online and in the catalog
We wished you had been in contact with us prior to sending the return, and arrangements would have been made to return the defective product at no chargeAfter review, we have issued full credit for the shipping and processingPreviously, records also indicate upon receipt of your call 11/14, full credit was issued for the Shoe Rack as a non deliveryWe have as a courtesy credited your account for the remaining Smart Label, as well as finance charges incurredAfter the adjustments have been completed we will be issuing a refund of the $down payment to your cardPlease allow forty eight to seventy two hours for this to be completedWe regret any inconvenience, but appreciate the opportunity to explainSincerely, Montgomery Ward
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, the FCRA states that all information must be validated prior to inclusion in a credit reportThis debt nor the bankruptcy that you speak of has NEVER been validatedYour organization has provided nothing bearing my signature INCLUDING the bankruptcy that you continually reference EVEN THIS DOCUMENT DOES NOT BEAR MY SIGNATURE AND HAS NOT BEEN VALIDATED AS BELONGING TO MEPlease present items that bear my signature or remove these items from my credit report, or face me in court!!!!!!!!!!!!!
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,
*** *** Dear Revdex.com,Thank you for your assistance in this matter. What I am awaiting now is my refund which has not be credited back to the card used to make the payments. Ms***
Ms*** called in April of and indicated that her mother was responsible for payment of the accountA form was sent to her attention to allow for the transfer of the account from her name to her mother'sThe form, which required a notarized signature from the person who would be responsible
for paying the account, was never returnedThe companies did not hear from Ms*** again until August, when she stated she no longer believed her mother was responsibleAn identity theft packet was mailed to Ms*** home address on September 9,
[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. However, the business did not tell me that they are sending UPS to pickup the item, they told me they will be mailing me a prepaid UPS label and I will have to bring it to a UPS location myselfSo they are not truthful about that part
Regards,
*** ***
All of Ms*** accounts closed as scheduled in AugustAs part of it's disaster relief policy, none of Ms*** accounts closed in September - meaning no payment was due, and no finance charges were assessedCompany records indicate Ms*** made payments on her accounts in August,
before Harvey made landfall on August However, to the extent that those payments failed to bring or keep Ms*** accounts current, they incurred late payment feesThose late payment fee - for any of Ms*** accounts that were past due BEFORE HARVEY - will not be waivedAs a specific example, Ms*** Monroe and Main account was past due in JulyThe August billing cycle closed on schedule prior to the arrival of HarveyMs*** made a payment on her account on August 31, that did not bring her account currentthis resulted in the assessment of a late payment fee for the August billing cycleThe account was placed in disaster hold after Harvey made landfallAs a result, no billing statement was generated and no payment was due in September, so no late payment fee was assessedHowever, the account will be billed as beginning with the closing of the October billing cycle.-
We received the correspondence from the Revdex.com in regards to deliver of an anticipated order, not yet in place
We are sorry for any confusion on specific delivery date confirmation. We strive for customer satisfaction and make every attempt to provide the most
accurate information at the time of order placement. Our representative input the request for November 24th delivery and reviewed the delivery date as an estimated time of arrival. Regretfully, product choices were never disclosed, which may have determined product availability or additional shipping information that could have been provided. The offer of transferring to customer service was declined.
After an order is in place and successfully processed, it is released for shipment. The method of delivery is determined using a variety of factors, being size, weight, supplier, or dimension Customer security is of the utmost importance to us; should an order be placed under another’s account, the owner of the account will have access to the order information. Tracking is provided to the customer once the product is in motion via email, this allows the customer the most current delivery status to make arrangements.
We will have a special Customer Service Liaison contact you to review any additional information within the next several business daysWe appreciate the opportunity to explain and regret any inconvenience Sincerely, Country Door
The companies' records indicate multiple orders were shipped to *** *** *** *** ** *** and that monthly billing statements and past due notices were mailed to Ms*** attention at that same addressCalls regarding payment of the accounts were made to multiple phone numbers, including
***Each of the companies received one or more payments on the accountsNonetheless, Ms*** alleges that she was unaware of these accounts until she noticed them on her consumer credit report
Based on the information currently available, the companies have a reasonable basis for believing that Ms*** opened the accounts and is responsible for payment of the balances
Applying for credit does not mean that an extension of credit will be approvedMr*** application was reviewed and it was determined that an account could only be approved if part of the order total was paid prior to shipmentIf Mr*** wishes to open a credit account with Seventh Avenue
he will need to make the requested payment
Apparently I did not read all the fine print of the many many restrictions Monroe & Main impose on their customersI've never had any bad experiences with any other online shopping and I do most all my shopping online so your company is "unique" in their practices and I'm just glad to not be doing business with you at any time in the futureAlso, please stop sending me catalogThanks
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 did not order everything charge and Seven they have not spoken to since the 1st od nor have I placed orderI would like documentation for each order, time and day they suppose you spoke o me and if they followed the statement on my credit file to make sure it is meIn addition, provided each instance of confirming they actually talking to meThe address is a leased property and my mail is forwards to my new address or PO Box
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.]
Regards,
*** ***I do not have any contract with this company so the info that is on my credit report should be deleted from this company
Mr*** alleges that someone used his personal information to open a credit account without his knowledge or consentAn identity theft packet was sent to Mr*** on December 28, Upon receipt of the completed affidavit Seventh Avenue will make a determination of Mr***'s
claim and inform him of the result
The TransUnion information does not match the information Midnight Velvet has furnished to the consumer reporting agenciesThat does not make the information Midnight Velvet has furnished inaccurate, it makes the information TU is reporting inaccurate
Midnight Velvet responded to an online dispute from Experian in March of 2016, making that the most recent report dateHowever, as stated previously, Midnight Velvet has sent a manual update to the agencies in an effort to correct the inaccurate information being reported by TransUnionThus, the new report date will be June of
Ms*** account was credited to a zero balance on July 10, Monroe & Main has reviewed the conversation of July 9, and will take appropriate action with the customer service representative who spoke with Ms***
Montgomery Ward has credited Mr*** account for the missing payment, and adjusted the account to remove all late fees and finance chargesThe account now has a zero balance
Seventh Avenue has sent an identity theft affidavit to Mr*** on two occasions, once in and again in Mr*** has failed to complete and return either affidavit
Mr*** account was opened upon receipt, by mail, of a completed, written order form and request for
extension of creditThe only address associated with the account since it was opened is *** *** *** *** *** **
Based on the information currently available, Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Mr*** account
Ginny's does not now and has never offered a program that allows consumers to pay $per month for lifeGinny's monthly payment amount is and always has been calculated on the Highest New Balance on an account
More specifically, Ms*** was mailed a Ginny's catalog in the fall of that
included a pre-approved credit offer in the amount of $The offer stated "YOU CAN CHARGE $AND PAY ONLY $A MONTH!"
This exact language appears on the order form Ms*** mailed in with her first order on August 21,
The order form also stated "See terms of credit and pre-approved offer on the back of this form." Ms*** was also sent a copy of the full credit agreement with her first order
Ms*** subsequently received a credit limit increase to $1,and then to $1,200, with monthly payments of $and $indicated on the order formsPlease note that all of these payment amounts apply ONLY
In November of Ms*** placed an order that exceeded her existing credit limitGinny's reviewed her credit history and approved the additional extension of creditAs a result, her monthly payment increased to $in January of and, following another purchase in April, to $in May of
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 was only included in a bankruptcy filing because it was fraudulently on my credit report, not because this was a debt proven to be validatedInclusion in a bankruptcy proceeding is not validation of a debtPlease produce any application for credit or contract bearing my signature as an obligation to paySince the organization is absent these items, this MUST be removed from my credit file(s) pursuant to the FCRA
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.]
Regards,
Rae ***: RE: I only had one account with MONROE AND MAINThey are speaking of their own inadequate accounting procedures.I do not accept the response made by the business, as the business is merely repeating my complaintsWhen an individual pays on an account in good faith, it is in the businesses best interest to keep that customerToo many customers walk away owing the businessSubmitting for information from the credit bureau for that small amount, when nothing in my history with this business would provocate such a search orapproval, is dispicableAnd since I have already paid the entire amount owed to them, my account is PAID IN FULL, I will now end my relationship with them.Please close this account, so that my damaged credit account can be repaired, by one less accountIf this account is not closed within days, I will submit again to the Revdex.com towards this complaintDO NOT SOLICIT YOUR CATALOGS TO MY ADDRESS.MS***
We received the correspondence from the Revdex.com in regards to order *** placed 8/21/via internetWe are sorry to hear of any disappointment with your order
We promptly credited your account for the price of the phone upon receipt of your returnShipping 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 fitYour order was returned using the Smart Label return option at a cost of $to be applied to your account when returnedThis is a convenience we offer our customers to assist them for ease of return, by just dropping it off at the nearest post office, or handing to your postmanThis information is clearly listed on the label prior to removalThe Montgomery Ward guarantee is listed on the order blank in the center of the catalog or online under Customer Service and states, “When you receive your order, if you are not completely satisfied you can return any unused item in its original packaging for a full refund of the purchase price (excluding shipping and processing charges) or exchange (subject to the terms and conditions below).” A chart is listed for your convenience both online and in the catalog
We wished you had been in contact with us prior to sending the return, and arrangements would have been made to return the defective product at no chargeAfter review, we have issued full credit for the shipping and processingPreviously, records also indicate upon receipt of your call 11/14, full credit was issued for the Shoe Rack as a non deliveryWe have as a courtesy credited your account for the remaining Smart Label, as well as finance charges incurredAfter the adjustments have been completed we will be issuing a refund of the $down payment to your cardPlease allow forty eight to seventy two hours for this to be completedWe regret any inconvenience, but appreciate the opportunity to explainSincerely, Montgomery Ward
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, the FCRA states that all information must be validated prior to inclusion in a credit reportThis debt nor the bankruptcy that you speak of has NEVER been validatedYour organization has provided nothing bearing my signature INCLUDING the bankruptcy that you continually reference EVEN THIS DOCUMENT DOES NOT BEAR MY SIGNATURE AND HAS NOT BEEN VALIDATED AS BELONGING TO MEPlease present items that bear my signature or remove these items from my credit report, or face me in court!!!!!!!!!!!!!
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,
*** *** Dear Revdex.com,Thank you for your assistance in this matter. What I am awaiting now is my refund which has not be credited back to the card used to make the payments. Ms***
Ms*** called in April of and indicated that her mother was responsible for payment of the accountA form was sent to her attention to allow for the transfer of the account from her name to her mother'sThe form, which required a notarized signature from the person who would be responsible
for paying the account, was never returnedThe companies did not hear from Ms*** again until August, when she stated she no longer believed her mother was responsibleAn identity theft packet was mailed to Ms*** home address on September 9,
[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. However, the business did not tell me that they are sending UPS to pickup the item, they told me they will be mailing me a prepaid UPS label and I will have to bring it to a UPS location myselfSo they are not truthful about that part
Regards,
*** ***
All of Ms*** accounts closed as scheduled in AugustAs part of it's disaster relief policy, none of Ms*** accounts closed in September - meaning no payment was due, and no finance charges were assessedCompany records indicate Ms*** made payments on her accounts in August,
before Harvey made landfall on August However, to the extent that those payments failed to bring or keep Ms*** accounts current, they incurred late payment feesThose late payment fee - for any of Ms*** accounts that were past due BEFORE HARVEY - will not be waivedAs a specific example, Ms*** Monroe and Main account was past due in JulyThe August billing cycle closed on schedule prior to the arrival of HarveyMs*** made a payment on her account on August 31, that did not bring her account currentthis resulted in the assessment of a late payment fee for the August billing cycleThe account was placed in disaster hold after Harvey made landfallAs a result, no billing statement was generated and no payment was due in September, so no late payment fee was assessedHowever, the account will be billed as beginning with the closing of the October billing cycle.-
We received the correspondence from the Revdex.com in regards to deliver of an anticipated order, not yet in place
We are sorry for any confusion on specific delivery date confirmation. We strive for customer satisfaction and make every attempt to provide the most
accurate information at the time of order placement. Our representative input the request for November 24th delivery and reviewed the delivery date as an estimated time of arrival. Regretfully, product choices were never disclosed, which may have determined product availability or additional shipping information that could have been provided. The offer of transferring to customer service was declined.
After an order is in place and successfully processed, it is released for shipment. The method of delivery is determined using a variety of factors, being size, weight, supplier, or dimension Customer security is of the utmost importance to us; should an order be placed under another’s account, the owner of the account will have access to the order information. Tracking is provided to the customer once the product is in motion via email, this allows the customer the most current delivery status to make arrangements.
We will have a special Customer Service Liaison contact you to review any additional information within the next several business daysWe appreciate the opportunity to explain and regret any inconvenience Sincerely, Country Door
The companies' records indicate multiple orders were shipped to *** *** *** *** ** *** and that monthly billing statements and past due notices were mailed to Ms*** attention at that same addressCalls regarding payment of the accounts were made to multiple phone numbers, including
***Each of the companies received one or more payments on the accountsNonetheless, Ms*** alleges that she was unaware of these accounts until she noticed them on her consumer credit report
Based on the information currently available, the companies have a reasonable basis for believing that Ms*** opened the accounts and is responsible for payment of the balances
Applying for credit does not mean that an extension of credit will be approvedMr*** application was reviewed and it was determined that an account could only be approved if part of the order total was paid prior to shipmentIf Mr*** wishes to open a credit account with Seventh Avenue
he will need to make the requested payment
Apparently I did not read all the fine print of the many many restrictions Monroe & Main impose on their customersI've never had any bad experiences with any other online shopping and I do most all my shopping online so your company is "unique" in their practices and I'm just glad to not be doing business with you at any time in the futureAlso, please stop sending me catalogThanks
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 did not order everything charge and Seven they have not spoken to since the 1st od nor have I placed orderI would like documentation for each order, time and day they suppose you spoke o me and if they followed the statement on my credit file to make sure it is meIn addition, provided each instance of confirming they actually talking to meThe address is a leased property and my mail is forwards to my new address or PO Box
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.]
Regards,
*** ***I do not have any contract with this company so the info that is on my credit report should be deleted from this company
Mr*** alleges that someone used his personal information to open a credit account without his knowledge or consentAn identity theft packet was sent to Mr*** on December 28, Upon receipt of the completed affidavit Seventh Avenue will make a determination of Mr***'s
claim and inform him of the result
The TransUnion information does not match the information Midnight Velvet has furnished to the consumer reporting agenciesThat does not make the information Midnight Velvet has furnished inaccurate, it makes the information TU is reporting inaccurate
Midnight Velvet responded to an online dispute from Experian in March of 2016, making that the most recent report dateHowever, as stated previously, Midnight Velvet has sent a manual update to the agencies in an effort to correct the inaccurate information being reported by TransUnionThus, the new report date will be June of
Ms*** account was credited to a zero balance on July 10, Monroe & Main has reviewed the conversation of July 9, and will take appropriate action with the customer service representative who spoke with Ms***
Montgomery Ward has credited Mr*** account for the missing payment, and adjusted the account to remove all late fees and finance chargesThe account now has a zero balance
Seventh Avenue has sent an identity theft affidavit to Mr*** on two occasions, once in and again in Mr*** has failed to complete and return either affidavit
Mr*** account was opened upon receipt, by mail, of a completed, written order form and request for
extension of creditThe only address associated with the account since it was opened is *** *** *** *** *** **
Based on the information currently available, Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Mr*** account