Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I reject this response for the following reason. I dispute the reporting of information directly with the Furnisher the elected not to respond to to my complaint and refused to respond to my attorney as required under the Furnisher Rule. I have attached a copy of the required rule below.Disputes to FurnishersYou must investigate a consumer’s dispute if it relates to:the consumer’s liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account;the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account;the consumer's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed; orany other information in a consumer report about an account or relationship with you that affects the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4(a)You must:conduct a reasonable investigationreview all relevant information provided by the consumerreport results to the consumer, generally within 30 days [redacted]notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4(e)You are not required to investigate the dispute if it relates to:the consumer's identifying information on a consumer report, including name, date of birth, Social Security number, phone number, or address;the names of previous or current employers;inquiries or requests for consumer reports;information from public records, including judgments, bankruptcies, and liens;information related to fraud alerts or active duty alerts;information provided to a CRA by another furnisher; orwhen you believe that the dispute is submitted by, prepared on behalf of the consumer by, or submitted on a form supplied to the consumer by a credit repair organization. Furnisher Rule 660.4(b)You also are not required to investigate disputes that are frivolous or irrelevant, as defined by the Rule:the consumer didn’t provide enough informationthe dispute is substantially the same as a dispute previously submittedyou already fulfilled your obligation, and there is no new informationyou are not required to investigate the dispute, as described in the list above from 660.4(b). Furnisher Rule 660.4(f)If a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the dispute. This notice can be a form letter. Include the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information.
Regards,
[redacted]
We apologize for any inconvenience this has caused, unfortunately Country Door is unable to request FedEx to pick up the bed at the customer's home and deliver it to her granddaughter. We would be able to have FedEx pick up the item and return it to us for full credit or if the customer is willing,...
she can request FedEx to pick up the item at her home and deliver to her granddaughter. She can send the receipt to Country Door and we would be willing to reimburse her for the cost.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I do not know who Midnight Velvet is and I would like to know what order was placed using my e-mail address and what address "was" the order going to be mailed to (which was cancelled)?I would like to know why Midnight Velvet was asking me to send a notarized statement to them!
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 9/9/2016 via phone for $380.69. We sincerely apologize for any disappointment when you had called for assistance and our phones were unable to handle the call volume. Rather than having our...
customers holding for a great length of time, we offer options to return calls at a less busy time. We are sorry you were inconvenienced, and have forwarded your comments to the departments involved for their additional review and considerations.
Our records indicate your order for the Indoor/Outdoor Surveillance System with DVR & Four Cameras lists the description as follows: Whether you're sleeping, in the neighborhood or not even close, you'll rest easy knowing your home is safe. Color camera with pivoting base mount has 45' infrared range for nighttime and records both audio and video (in 420TVL resolution). System pre-records when motion is detected and sends you real-time alerts via email so you can view the footage on any Internet-capable device (tablet, smartphone, computer) with simultaneous playback from all 4 cameras. Connect directly to your TV and back up footage on flash drive, hard drive or disk via USB or hard drive (up to 3 TB, hard drive not included). Four cameras are 2 1/4" l x 2 1/2" w x 6 1/4" h; DVR box is 8 1/2" l x 9" w x 2" h. The second item on your order was the Solar Dual Head Spotlight, we apologize if the cables were missing. This was not intentional. Products are reviewed periodically by Quality Assurance to verify items that are received and inventoried meet the specifications as required.
Free Return labels were issued 11/23/2016 and should be received at your post office box address usually within seven to ten days. As a courtesy we will accept the return of these electronics past the7 day return policy which is listed online under Customer Service or on the order blank in the center of the catalog and states, “Satisfaction Guaranteed 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). The number of days from purchase that you have to return merchandise varies depending upon the item, as follows: Electronics 7 days from date of receipt.” Upon the return and processing, your order will be credited and refunded the $50 payment received on account 11/1/2016 via credit card.
We are sorry we disappointed you, but appreciate the opportunity to explain. Sincerely, Montgomery Ward
At the time Ms. [redacted] placed her order on May 8, 2017, no payment had been received on the account since March 23, 2017. The past due status of her account at the time of the order prompted the request for a consumer credit report. Moreover, review of an existing account is a permissible purpose...
under the Fair Credit Reporting Act. Finally, the credit agreement governing Ms. [redacted]s account states: "You agree to give us permission to access your credit report in connection with any transaction, or extension of credit, and on an on-going basis, for the purpose of reviewing your Account, adjusting the credit line on your Account, taking collection action on your Account or for any other legitimate purposes associated with your Account."
The Ashro account opened in Ms. [redacted] name has been credited to a zero balance and closed. No information concerning the account has been furnished to the consumer reporting agencies. Ashro offers its apologies to Ms. [redacted] for any inconvenience she may have experienced as a result of...
Ms. [redacted] account was
opened in September of 2012. Seventh Avenue requested a copy of Ms. [redacted]
consumer credit report as part of its evaluation of her request for credit. The
report did not include a consumer fraud alert or other restriction on use of
the report for the...
extension of consumer credit. After reviewing her credit
history, Seventh Avenue requested a down payment from Ms. [redacted] prior to
shipping the initial order and granting the requested extension of credit. The
down payment was made using a credit card issued in Ms. [redacted] name.
The account was charged off as a
loss and referred to a collection agency in October of 2013. On May 4, 2015,
Seventh Avenue received a notice of dispute Ms. [redacted] filed with Experian,
alleging the account was not hers. The dispute did not include any supporting
documentation, such as an identity theft affidavit or a police report. On May
5, 2015 an identity theft affidavit was sent to Ms. [redacted] attention for
her to complete and return. As of this date the affidavit has not been
returned.
Based on the information
currently available, it is Seventh Avenue’s position that the account was
opened by Ms. [redacted] and that she is responsible for payment of the balance.
If Ms. [redacted] wishes to provide additional information or documentation in
support of her claim Seventh Avenue will investigate this matter further.
Midnight Velvet has no record of any communication directly from Ms. [redacted] at any time in which she alleged that she did not receive the merchandise she ordered. Ms. [redacted] entered into a contract with Midnight Velvet when she placed an order and asked that her purchase be charged to a Midnight Velvet Credit account. Ms. [redacted] subsequently made two payments in her account, indicating her acceptance of the account agreement and her acknowledgement that the account balance was correct. Midnight Velvet believes the information it has furnished accurately reflects the payment history and current status of Ms. [redacted]'s 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 [redacted], and find that this resolution is satisfactory to me. Just an FYI. Swiss Colony has been reporting on all my credit reports on all 3 bureaus. What they stated was false. I will be happy once the account is removed. As of today its still reporting.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11938984, 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,
Andrew S[redacted]
After checking with our credit department, we have determined that the credit card payment of $98.92 was declined. The email that was sent was that a payment was received but was not an acknowledgement that the payment had processed.
The account has been closed with no balance due and the customer's next statement will reflect this.
Seventh Avenue received a payment of $100 on March 31, 2014. The payment left an outstanding balance of $28.24 on the account. Seventh Avenue sent monthly billing statements and collection notices to the billing address on the account from April of 2014 until the account was charged off as a loss in...
February of 2015. Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the current balance and the payment history on the account. Finally, Seventh Avenue does not, as a matter of policy, offer or accept deletion of accurate account information in exchange for payment of a charged off account.
Seventh Avenue has credited the account to remove the shipping and processing charges and will credit the account to remove all associated late fees and finance charges. The account will have a zero balance in the next 24 hours.
Tender Filet has determined that payments are being made on the account by someone other than Ms. [redacted] and has changed the account record to reflect the person making the payments.
None of the companies' records indicate a call on May 15, 2015, or a conversation at any time that remotely resembles Mr. [redacted] account. Mr. [redacted] has begun filing disputes with the consumer reporting agencies, claiming the accounts are not his. Each of the companies has investigated the...
disputes and determined that the accounts belong to Mr. [redacted] and that his is responsible for payment of the outstanding balances.
Solely in the interest of resolving this complaint, the companies have elected to request deletion of the account information from Ms. [redacted] credit file. This change will take approximately 30 days to appear on a consumer credit report.
[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.]
Better Business...
Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Seventh Avenue and Midnight Velvet will update the status of Ms. [redacted] account upon receipt of the remittances from the collection agencies handling the accounts. The companies will then include the updated account information in their regularly scheduled reporting to the consumer reporting...
agencies. If Ms. [redacted] has need of evidence that she settled the accounts she should contact the collection agencies directly and request letters of confirmation.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I reject this response for the following reason. I dispute the reporting of information directly with the Furnisher the elected not to respond to to my complaint and refused to respond to my attorney as required under the Furnisher Rule. I have attached a copy of the required rule below.Disputes to FurnishersYou must investigate a consumer’s dispute if it relates to:the consumer’s liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account;the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account;the consumer's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed; orany other information in a consumer report about an account or relationship with you that affects the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4(a)You must:conduct a reasonable investigationreview all relevant information provided by the consumerreport results to the consumer, generally within 30 days [redacted]notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4(e)You are not required to investigate the dispute if it relates to:the consumer's identifying information on a consumer report, including name, date of birth, Social Security number, phone number, or address;the names of previous or current employers;inquiries or requests for consumer reports;information from public records, including judgments, bankruptcies, and liens;information related to fraud alerts or active duty alerts;information provided to a CRA by another furnisher; orwhen you believe that the dispute is submitted by, prepared on behalf of the consumer by, or submitted on a form supplied to the consumer by a credit repair organization. Furnisher Rule 660.4(b)You also are not required to investigate disputes that are frivolous or irrelevant, as defined by the Rule:the consumer didn’t provide enough informationthe dispute is substantially the same as a dispute previously submittedyou already fulfilled your obligation, and there is no new informationyou are not required to investigate the dispute, as described in the list above from 660.4(b). Furnisher Rule 660.4(f)If a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the dispute. This notice can be a form letter. Include the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information.
Regards,
[redacted]
We apologize for any inconvenience this has caused, unfortunately Country Door is unable to request FedEx to pick up the bed at the customer's home and deliver it to her granddaughter. We would be able to have FedEx pick up the item and return it to us for full credit or if the customer is willing,...
she can request FedEx to pick up the item at her home and deliver to her granddaughter. She can send the receipt to Country Door and we would be willing to reimburse her for the cost.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I do not know who Midnight Velvet is and I would like to know what order was placed using my e-mail address and what address "was" the order going to be mailed to (which was cancelled)?I would like to know why Midnight Velvet was asking me to send a notarized statement to them!
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 9/9/2016 via phone for $380.69. We sincerely apologize for any disappointment when you had called for assistance and our phones were unable to handle the call volume. Rather than having our...
customers holding for a great length of time, we offer options to return calls at a less busy time. We are sorry you were inconvenienced, and have forwarded your comments to the departments involved for their additional review and considerations.
Our records indicate your order for the Indoor/Outdoor Surveillance System with DVR & Four Cameras lists the description as follows: Whether you're sleeping, in the neighborhood or not even close, you'll rest easy knowing your home is safe. Color camera with pivoting base mount has 45' infrared range for nighttime and records both audio and video (in 420TVL resolution). System pre-records when motion is detected and sends you real-time alerts via email so you can view the footage on any Internet-capable device (tablet, smartphone, computer) with simultaneous playback from all 4 cameras. Connect directly to your TV and back up footage on flash drive, hard drive or disk via USB or hard drive (up to 3 TB, hard drive not included). Four cameras are 2 1/4" l x 2 1/2" w x 6 1/4" h; DVR box is 8 1/2" l x 9" w x 2" h. The second item on your order was the Solar Dual Head Spotlight, we apologize if the cables were missing. This was not intentional. Products are reviewed periodically by Quality Assurance to verify items that are received and inventoried meet the specifications as required.
Free Return labels were issued 11/23/2016 and should be received at your post office box address usually within seven to ten days. As a courtesy we will accept the return of these electronics past the7 day return policy which is listed online under Customer Service or on the order blank in the center of the catalog and states, “Satisfaction Guaranteed 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). The number of days from purchase that you have to return merchandise varies depending upon the item, as follows: Electronics 7 days from date of receipt.” Upon the return and processing, your order will be credited and refunded the $50 payment received on account 11/1/2016 via credit card.
We are sorry we disappointed you, but appreciate the opportunity to explain. Sincerely, Montgomery Ward
At the time Ms. [redacted] placed her order on May 8, 2017, no payment had been received on the account since March 23, 2017. The past due status of her account at the time of the order prompted the request for a consumer credit report. Moreover, review of an existing account is a permissible purpose...
under the Fair Credit Reporting Act. Finally, the credit agreement governing Ms. [redacted]s account states: "You agree to give us permission to access your credit report in connection with any transaction, or extension of credit, and on an on-going basis, for the purpose of reviewing your Account, adjusting the credit line on your Account, taking collection action on your Account or for any other legitimate purposes associated with your Account."
The Ashro account opened in Ms. [redacted] name has been credited to a zero balance and closed. No information concerning the account has been furnished to the consumer reporting agencies. Ashro offers its apologies to Ms. [redacted] for any inconvenience she may have experienced as a result of...
this matter.
Ms. [redacted] account was
opened in September of 2012. Seventh Avenue requested a copy of Ms. [redacted]
consumer credit report as part of its evaluation of her request for credit. The
report did not include a consumer fraud alert or other restriction on use of
the report for the...
extension of consumer credit. After reviewing her credit
history, Seventh Avenue requested a down payment from Ms. [redacted] prior to
shipping the initial order and granting the requested extension of credit. The
down payment was made using a credit card issued in Ms. [redacted] name.
The account was charged off as a
loss and referred to a collection agency in October of 2013. On May 4, 2015,
Seventh Avenue received a notice of dispute Ms. [redacted] filed with Experian,
alleging the account was not hers. The dispute did not include any supporting
documentation, such as an identity theft affidavit or a police report. On May
5, 2015 an identity theft affidavit was sent to Ms. [redacted] attention for
her to complete and return. As of this date the affidavit has not been
returned.
Based on the information
currently available, it is Seventh Avenue’s position that the account was
opened by Ms. [redacted] and that she is responsible for payment of the balance.
If Ms. [redacted] wishes to provide additional information or documentation in
support of her claim Seventh Avenue will investigate this matter further.
Midnight Velvet has no record of any communication directly from Ms. [redacted] at any time in which she alleged that she did not receive the merchandise she ordered. Ms. [redacted] entered into a contract with Midnight Velvet when she placed an order and asked that her purchase be charged to a Midnight Velvet Credit account. Ms. [redacted] subsequently made two payments in her account, indicating her acceptance of the account agreement and her acknowledgement that the account balance was correct. Midnight Velvet believes the information it has furnished accurately reflects the payment history and current status of Ms. [redacted]'s 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 [redacted], and find that this resolution is satisfactory to me. Just an FYI. Swiss Colony has been reporting on all my credit reports on all 3 bureaus. What they stated was false. I will be happy once the account is removed. As of today its still reporting.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11938984, 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,
Andrew S[redacted]
Monroe & Main will review Ms. [redacted]'s affidavit upon receipt and make a determination regarding her claim.
After checking with our credit department, we have determined that the credit card payment of $98.92 was declined. The email that was sent was that a payment was received but was not an acknowledgement that the payment had processed.
The account has been closed with no balance due and the customer's next statement will reflect this.
Seventh Avenue received a payment of $100 on March 31, 2014. The payment left an outstanding balance of $28.24 on the account. Seventh Avenue sent monthly billing statements and collection notices to the billing address on the account from April of 2014 until the account was charged off as a loss in...
February of 2015. Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the current balance and the payment history on the account. Finally, Seventh Avenue does not, as a matter of policy, offer or accept deletion of accurate account information in exchange for payment of a charged off account.
This complaint is redundant. Please see response to complaint [redacted].
Seventh Avenue has credited the account to remove the shipping and processing charges and will credit the account to remove all associated late fees and finance charges. The account will have a zero balance in the next 24 hours.
Tender Filet has determined that payments are being made on the account by someone other than Ms. [redacted] and has changed the account record to reflect the person making the payments.
None of the companies' records indicate a call on May 15, 2015, or a conversation at any time that remotely resembles Mr. [redacted] account. Mr. [redacted] has begun filing disputes with the consumer reporting agencies, claiming the accounts are not his. Each of the companies has investigated the...
disputes and determined that the accounts belong to Mr. [redacted] and that his is responsible for payment of the outstanding balances.
Solely in the interest of resolving this complaint, the companies have elected to request deletion of the account information from Ms. [redacted] credit file. This change will take approximately 30 days to appear on a consumer credit report.
[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.]
Better Business...
Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Seventh Avenue and Midnight Velvet will update the status of Ms. [redacted] account upon receipt of the remittances from the collection agencies handling the accounts. The companies will then include the updated account information in their regularly scheduled reporting to the consumer reporting...
agencies. If Ms. [redacted] has need of evidence that she settled the accounts she should contact the collection agencies directly and request letters of confirmation.