Ms. [redacted] made a payment on her Midnight Velvet account on February 26, 2017. After six months without payment, her account was charged off as a loss and referred to a collection agency on August 26, 2017. On September 6, 2017 Midnight Velvet received a payment from Ms. [redacted]. Neither this nor...
any subsequent payments will change the status of the account. If she wishes to continue making payments, Ms. [redacted] can do so either directly to Midnight Velvet or through the collection agency handling her account.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
The complaint does not include sufficient information to formulate a response. GrandPointe has not changed its name, therefore, there is no entity "formerly known as" GrandPointe.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Montgomery Ward has not prescreened Mr. [redacted] for the purpose of extending an offer of credit. Mr. [redacted] does not currently have a pre-approved credit limit with Montgomery Ward. Any order Mr. [redacted] might place is subject to credit approval on an individual basis. He can check the status of an...
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.
How can you say it is accurate when I have clearly pointed out that the information being reported to all three bureaus is not correct. Don't blame TransUnion on your inaccurate reporting. It is ultimately up to the furnisher to ensure correct information is being reported.
Regards,
[redacted]
[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.
Regards,
[redacted]
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.
Regards,
[redacted]
[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.] I have received a letter that the account has been closed and the free shipping label. The package will be shipped today. In the future I hope MidnightVelvet will change their policy and ask the consumer if they want credit. With credit fraud on the rise respect and consideration would be appreciated.
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.
Regards,
[redacted]
Monroe & Main has spoken with an individual ([redacted]) who has indicated she will accept responsibility for payment of the account opened in Ms. [redacted] name. Monroe & Main cannot transfer legal responsibility for payment of an account on the basis of a telephone conversation. Michelle...
has, to date, failed to provide a signed, notarized letter agreeing to the transfer of the account to her name. As a result, Monroe & Main has sent an identity theft affidavit to Ms. Gardner for her to complete and return.
Monroe & Main will continue to work with Ms. Gardner to either complete the transfer of ownership of the account to Michelle or complete the identity theft investigation.
Finally, it is worth noting that a payment of $150 was received on the account on June 8, 2016.
Swiss Colony received an order and request for credit on March 12, 2015 via US Mail. The order was placed using a pre-printed order form addressed to Ms. [redacted] at [redacted]. The request for credit was not approved and the merchandise was not shipped....
Nonetheless, Swiss Colony received a request for credit initiated by the consumer and, therefore, does not believe there is sufficient basis to request deletion of the credit inquiry from Ms. [redacted]’s credit report.
Please post an addendum to our initial response: We apologize for any confusion. Fortunately, our One Step Ahead Customer Service, was able to locate the gift certificate information, and was in contact with you by phone. Your satisfaction is important to us and we...
appreciate the opportunity to be of service. Sincerely, One Step Ahead Thank you,[redacted]Customer Service
Mr. [redacted] was allowed to make automated check (ACH) payments on his account until the second consecutive ACH payment was returned on August 13, 2015. Mr. [redacted] made subsequent payments in October and November 2015 using other forms of remittance. It is Seventh Avenue's position that it has a...
reasonable basis for refusing to allow Mr. [redacted] to make payments on his account via ACH. Nonetheless, as a courtesy to Mr. [redacted], Seventh Avenue has credited his account to remove the late payment fees assessed since August of 2015. This adjustment will appear on his next monthly billing statement.
The order identified in the correspondence attached to the complaint was not approved and no merchandise was shipped. No account has been opened in her name in conjunction with this order. Seventh Avenue will request deletion of the inquiry made on Ms. Spencer's 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.]
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.
Regards,
[redacted]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I do not understand where the confusion and trouble is coming from. I have attached all documentation that supports my statements, and have again attached the confirmation that your company sent me indicating that my payment was accepted. So you do, in contrary to your own statement, have record of receiving payment from me for the balance on my account. Why it was never processed is not my concern, nor my responsibility. I did make a payment and received the automatically generated email confirming such payment was received. I am sick and tired of these games and will not consider the matter closed until I receive written confirmation in the mail that my account is closed with a $0 balance.
Regards,
[redacted]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Lorraine [redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted]-** placed 2/28/2017 via phone. We apologize if any misinformation has caused confusion in regards to your account payment.
When orders are received it is customary to invoice all items on one order...
with one total for products including shipping and processing. The total of the order is $101.23 (items $76.98 + 31.95 shipping and processing less $7.70 Customer Service Discount). The order acknowledgement confirms this information when emailed to the customer the following day. Customers are expected to make at least the minimum monthly payment on any portion of their order that has shipped. Approximately $48.94, which includes the 20pc Towel Set and shipping and processing of the order is due and payable according to the credit plan agreement. The first monthly payment was due on or before April 5th. To date, no payment has been received on account. As a courtesy, we have issued credit for the finance charge that was incurred, and put your account on hold for thirty days. To bring your account into compliance $40 is due on or before May 5, 2017. In the event payment for the shipped merchandise is received, Seventh Avenue will discontinue billing the account until the remaining merchandise is shipped or canceled.
The following is a portion of the Credit Plan Agreement which can be located online under Customer Service/Seventh Avenue Credit:
PAYMENTS: Each month you must pay at least the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statement. Your Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $3,300, then 3.34% of the HNB. The HNB is the highest principal balance of your Account since it was last paid in full. This means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustments. We can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable law. Payments in excess of the minimum will not reduce future Minimum Monthly Payments
We regret any disappointment or inconvenience, but appreciate the opportunity to explain. Sincerely, Seventh Avenue
As stated in the Terms and Conditions of the credit agreement, “A FINANCE CHARGE will be imposed for a monthly billing cycle if the New Balance shown on the previous monthly statement is not paid in full by the due date shown on the previous statement”. During the time that Ms. [redacted] had paid on...
this account, finance charges equaling $15.95 had accrued. Once the customer had returned the merchandise beyond the return policy of 7 days, the account was credited for the merchandise amount of $169.95. Our records indicate that the customer had paid in a total amount of $120.00 and therefore is entitled to a refund equaling the difference of $77.10 which was mailed on 06/07/17.
Ms. [redacted] made a payment on her Midnight Velvet account on February 26, 2017. After six months without payment, her account was charged off as a loss and referred to a collection agency on August 26, 2017. On September 6, 2017 Midnight Velvet received a payment from Ms. [redacted]. Neither this nor...
any subsequent payments will change the status of the account. If she wishes to continue making payments, Ms. [redacted] can do so either directly to Midnight Velvet or through the collection agency handling her account.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
The complaint does not include sufficient information to formulate a response. GrandPointe has not changed its name, therefore, there is no entity "formerly known as" GrandPointe.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Montgomery Ward has not prescreened Mr. [redacted] for the purpose of extending an offer of credit. Mr. [redacted] does not currently have a pre-approved credit limit with Montgomery Ward. Any order Mr. [redacted] might place is subject to credit approval on an individual basis. He can check the status of an...
order at Wards.com.
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.
How can you say it is accurate when I have clearly pointed out that the information being reported to all three bureaus is not correct. Don't blame TransUnion on your inaccurate reporting. It is ultimately up to the furnisher to ensure correct information is being reported.
Regards,
[redacted]
[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.
Regards,
[redacted]
[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.
Regards,
[redacted]
See Attached
[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.] I have received a letter that the account has been closed and the free shipping label. The package will be shipped today. In the future I hope MidnightVelvet will change their policy and ask the consumer if they want credit. With credit fraud on the rise respect and consideration would be appreciated.
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.
Regards,
[redacted]
Monroe & Main has spoken with an individual ([redacted]) who has indicated she will accept responsibility for payment of the account opened in Ms. [redacted] name. Monroe & Main cannot transfer legal responsibility for payment of an account on the basis of a telephone conversation. Michelle...
has, to date, failed to provide a signed, notarized letter agreeing to the transfer of the account to her name. As a result, Monroe & Main has sent an identity theft affidavit to Ms. Gardner for her to complete and return.
Monroe & Main will continue to work with Ms. Gardner to either complete the transfer of ownership of the account to Michelle or complete the identity theft investigation.
Finally, it is worth noting that a payment of $150 was received on the account on June 8, 2016.
Swiss Colony received an order and request for credit on March 12, 2015 via US Mail. The order was placed using a pre-printed order form addressed to Ms. [redacted] at [redacted]. The request for credit was not approved and the merchandise was not shipped....
Nonetheless, Swiss Colony received a request for credit initiated by the consumer and, therefore, does not believe there is sufficient basis to request deletion of the credit inquiry from Ms. [redacted]’s credit report.
Please post an addendum to our initial response: We apologize for any confusion. Fortunately, our One Step Ahead Customer Service, was able to locate the gift certificate information, and was in contact with you by phone. Your satisfaction is important to us and we...
appreciate the opportunity to be of service. Sincerely, One Step Ahead Thank you,[redacted]Customer Service
Mr. [redacted] was allowed to make automated check (ACH) payments on his account until the second consecutive ACH payment was returned on August 13, 2015. Mr. [redacted] made subsequent payments in October and November 2015 using other forms of remittance. It is Seventh Avenue's position that it has a...
reasonable basis for refusing to allow Mr. [redacted] to make payments on his account via ACH. Nonetheless, as a courtesy to Mr. [redacted], Seventh Avenue has credited his account to remove the late payment fees assessed since August of 2015. This adjustment will appear on his next monthly billing statement.
The order identified in the correspondence attached to the complaint was not approved and no merchandise was shipped. No account has been opened in her name in conjunction with this order. Seventh Avenue will request deletion of the inquiry made on Ms. Spencer's 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.]
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.
Regards,
[redacted]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I do not understand where the confusion and trouble is coming from. I have attached all documentation that supports my statements, and have again attached the confirmation that your company sent me indicating that my payment was accepted. So you do, in contrary to your own statement, have record of receiving payment from me for the balance on my account. Why it was never processed is not my concern, nor my responsibility. I did make a payment and received the automatically generated email confirming such payment was received. I am sick and tired of these games and will not consider the matter closed until I receive written confirmation in the mail that my account is closed with a $0 balance.
Regards,
[redacted]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Lorraine [redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted]-** placed 2/28/2017 via phone. We apologize if any misinformation has caused confusion in regards to your account payment.
When orders are received it is customary to invoice all items on one order...
with one total for products including shipping and processing. The total of the order is $101.23 (items $76.98 + 31.95 shipping and processing less $7.70 Customer Service Discount). The order acknowledgement confirms this information when emailed to the customer the following day. Customers are expected to make at least the minimum monthly payment on any portion of their order that has shipped. Approximately $48.94, which includes the 20pc Towel Set and shipping and processing of the order is due and payable according to the credit plan agreement. The first monthly payment was due on or before April 5th. To date, no payment has been received on account. As a courtesy, we have issued credit for the finance charge that was incurred, and put your account on hold for thirty days. To bring your account into compliance $40 is due on or before May 5, 2017. In the event payment for the shipped merchandise is received, Seventh Avenue will discontinue billing the account until the remaining merchandise is shipped or canceled.
The following is a portion of the Credit Plan Agreement which can be located online under Customer Service/Seventh Avenue Credit:
PAYMENTS: Each month you must pay at least the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statement. Your Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $3,300, then 3.34% of the HNB. The HNB is the highest principal balance of your Account since it was last paid in full. This means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustments. We can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable law. Payments in excess of the minimum will not reduce future Minimum Monthly Payments
We regret any disappointment or inconvenience, but appreciate the opportunity to explain. Sincerely, Seventh Avenue
As stated in the Terms and Conditions of the credit agreement, “A FINANCE CHARGE will be imposed for a monthly billing cycle if the New Balance shown on the previous monthly statement is not paid in full by the due date shown on the previous statement”. During the time that Ms. [redacted] had paid on...
this account, finance charges equaling $15.95 had accrued. Once the customer had returned the merchandise beyond the return policy of 7 days, the account was credited for the merchandise amount of $169.95. Our records indicate that the customer had paid in a total amount of $120.00 and therefore is entitled to a refund equaling the difference of $77.10 which was mailed on 06/07/17.