As stated previously, there is no record of a conversation similar to the one described by Mr. [redacted] on any date. Equally importantly, the information Mr. [redacted] alleges he was given by the agent is factually inaccurate. Colony Brands companies do not sell their accounts to third parties. Each of the accounts remains the property of the company that originally extended credit. Further, submitting an identity theft affidavit would have no impact on Mr. P[redacted] children. Mr. [redacted] has already indicated his belief that one of his children opened the accounts - putting that belief in writing and signing a declaration as to its validity will change nothing. Submitting an identity theft affidavit does not obligate Mr. [redacted] to pursue criminal charges or even file a police report. Given the extensive history on the accounts, the companies will not delete the account records based solely on Mr. P[redacted] verbal assertion that they are not his. He can either pay the accounts or file an identity theft affidavit asserting, under penalty of perjury, that the accounts are not his. Finally please note that the companies do not request or accept deletion of account information as a condition of payment on a delinquent account. Thus, the companies will not delete the account information in the expectation that Mr. [redacted] will pay the balances in full, nor will the companies agree to delete the account information after the accounts are paid.
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 have pasted a copy of the most current activity to my account. This clearly shows that the full refund has not been credited as promised. It also indicates that no further refund or other good-faith effort has been made. I continue to be dissatisfied by this company.
Regards,
[redacted]
Seventh Avenue has not determined that Ms. [redacted] is responsible for payment of this account - it's investigation is ongoing. Further, Seventh Avenue has not furnished any information regarding the account to a consumer reporting agency. Finally, a social security number is not required to place an order with Seventh Avenue. However, in instances like this one, when an order is received from a consumer who was not pre-screened, a social security number is required. As stated previously, a social security number was provided as part of the application. Seventh Avenue anticipates Ms. [redacted] cooperation in its investigation of this matter so that a swift and amicable resolution can be achieved.
[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 11853181, and find that this resolution is satisfactory to me.
Regards,
Lula T[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 apparently the only thing this business will do to resolve the problem. I sent the payment for the towels and cancelled the art. THERE SHOULD BE A STANDARD THAT A COMPANY IS REQUIRED TO FOLLOW SO AS NOT TO ABUSE THE CONSUMER. This business would do nothing to correct their invoice . I had to cancel my order to get the invoice corrected. Why would a business turn down a chance to sell product ???
I do intend to tell all of my friends about the way this company treats a paying customer.
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.
[This is not what I asked for. I already knew that nothing else could be ordered or shipped in my name due to my credit]
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.
I have not heard from any of these companies, nor have I received any of the itemized statements that I requested.
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.
They obviously did NOT read my complaint because I clearly wrote that I repeatedly filed disputes regarding both accounts with the credit bureaus and there statement shows a lack of reading, comprehension or an automatic response.
Regards,
Ms [redacted]
Ms. [redacted] placed an order with Midnight Velvet that was
posted to her Midnight Velvet credit account on March 6, 2015. A statement was
prepared and mailed to Ms. [redacted] indicating the first monthly payment of $25 was
due on or before April 10, 2015. Ms. [redacted] failed to make the required...
monthly
payment. On or about April 13, 2015 prepared another billing statement and
mailed it to Ms. [redacted]’s attention. This statement indicated a payment of $50
(the $25 scheduled payment plus the $25 past due amount) was due on or before
May 10, 2015. The due date on this statement did not alter the fact that $25
was past due and immediately payable. Midnight Velvet called Ms. [redacted] on April
29, 2015, seeking immediate payment of the past due amount.
Ms. [redacted] called Midnight Velvet on May 1, 2015 to request
her account number. Midnight Velvet required Ms. [redacted] to provide sufficient personal
information to demonstrate that she was, in fact, the account holder.
Ms. [redacted] received a collection call regarding her past due
account 18 days after her payment was due.
Midnight Velvet refused to provide a caller with a customer account
number until and unless it could verify the identity of the caller. Midnight
Velvet does not believe either of these instances constitutes harassment of any
kind. Ms. [redacted] can avoid further collections calls by making the required
monthly payment on her account on or before the due date and can refer to her
monthly billing statement for her account number.
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]My account shows no current balance owed. I do not owe any monies on this account. no one ever informed me of a new account number. I am not paying on an account that is not mine...
A credit to Ms. [redacted]’ account on September 21, 2016 reduced her account balance to $32.08. A statement was prepared and mailed to Ms. [redacted] on or about October 12, 2016, reflecting an account balance of $33.08 and a payment due date of November 10, 2016. Ms. [redacted] failed to make a payment on or...
before the due date. A new account statement was prepared and mailed to Ms. [redacted] reflecting a balance of $34.08 and a payment due date of December 10, 2016.
Ten days after the November due date, no payment having been received, a late payment fee was assessed on the account on November 22, 2016. Ms. [redacted] made a payment of $34.08 on December 9, 2016, leaving an unpaid balance of $10 on the account.
As a courtesy to Ms. [redacted], Ginny’s has credited her account for the $10 late fee and the related finance charges. The account now has a zero balance.
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 have disputed this information with the credit bureau that the inquiry is associated with and Ginny's is confirming that it me.Their response to my complaint is not acceptable due to Ginny's admitting that I hold no account with the company however my credit still took a hard inquiry. It's very evident that Ginny's has poor and shady business practices. The credit bureau has once again for the 2nd time, to reach out to Ginny's and they will no remove the fraudulent inquiry that they have placed on my credit report. I'm and suffering from the consequences of the mistakes that Ginny's has made and I want justice. I will stop at nothing until this is handled in a fair and professional manner.Best Regards, Royal [redacted] III
[redacted]
Ms. [redacted] account is past due. The fact that she has indicated an intent to make a payment in the future does not change the current status of her account. Montgomery Ward has the right, under the account agreement, to suspend purchasing privileges at any time - including when an account is past...
due. Ms. [redacted] will be free to contact Montgomery Ward regarding her held order after she brings her account current. Please note that the order will not be released automatically if/when the account becomes current.
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]
[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,
Nichole [redacted]
Dear [redacted] Thank you for contacting the Credit Department. We do apoligize about the issues that you had with your account. The reason why you received a late fee was because your account was due on 2/5/15 and payment wasn't received until 2/20/15. Your balance has been written...
off in full, and within a 24-48 hour period your balance will be at $00.00. If you have any other questions or concerns, please call the number below. We hope this information is helpful. Sincerely, Swiss Colony Credit Department www.swisscolony.com608-324-3021
An identity theft affidavit was sent to Ms. [redacted] attention in January of 2017. The affidavit has not been returned. Based on the information currently available, the company has a reasonable basis for believing the account was opened by Ms. [redacted] and that she is responsible for...
[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 disputed this account back in May 2017 and it was deleted from my Trans Union account so I’m trying to figure out why is it still on my experien and Equifax credit report. I have not received any information from this company regarding a affidavit identity theft paper I have made a police report regarding my information was stolen
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 just wanted to make sure that it was stated for the record that my address was updated last year to [redacted]. Also, prior to paying the balance I will need an agreement that this item will be removed from my credit file.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
As stated previously, there is no record of a conversation similar to the one described by Mr. [redacted] on any date. Equally importantly, the information Mr. [redacted] alleges he was given by the agent is factually inaccurate. Colony Brands companies do not sell their accounts to third parties. Each of the accounts remains the property of the company that originally extended credit. Further, submitting an identity theft affidavit would have no impact on Mr. P[redacted] children. Mr. [redacted] has already indicated his belief that one of his children opened the accounts - putting that belief in writing and signing a declaration as to its validity will change nothing. Submitting an identity theft affidavit does not obligate Mr. [redacted] to pursue criminal charges or even file a police report. Given the extensive history on the accounts, the companies will not delete the account records based solely on Mr. P[redacted] verbal assertion that they are not his. He can either pay the accounts or file an identity theft affidavit asserting, under penalty of perjury, that the accounts are not his. Finally please note that the companies do not request or accept deletion of account information as a condition of payment on a delinquent account. Thus, the companies will not delete the account information in the expectation that Mr. [redacted] will pay the balances in full, nor will the companies agree to delete the account information after the accounts are paid.
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 have pasted a copy of the most current activity to my account. This clearly shows that the full refund has not been credited as promised. It also indicates that no further refund or other good-faith effort has been made. I continue to be dissatisfied by this company.
Regards,
[redacted]
Seventh Avenue has not determined that Ms. [redacted] is responsible for payment of this account - it's investigation is ongoing. Further, Seventh Avenue has not furnished any information regarding the account to a consumer reporting agency. Finally, a social security number is not required to place an order with Seventh Avenue. However, in instances like this one, when an order is received from a consumer who was not pre-screened, a social security number is required. As stated previously, a social security number was provided as part of the application. Seventh Avenue anticipates Ms. [redacted] cooperation in its investigation of this matter so that a swift and amicable resolution can be achieved.
[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 11853181, and find that this resolution is satisfactory to me.
Regards,
Lula T[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 apparently the only thing this business will do to resolve the problem. I sent the payment for the towels and cancelled the art. THERE SHOULD BE A STANDARD THAT A COMPANY IS REQUIRED TO FOLLOW SO AS NOT TO ABUSE THE CONSUMER. This business would do nothing to correct their invoice . I had to cancel my order to get the invoice corrected. Why would a business turn down a chance to sell product ???
I do intend to tell all of my friends about the way this company treats a paying customer.
[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.
[This is not what I asked for. I already knew that nothing else could be ordered or shipped in my name due to my credit]
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.
I have not heard from any of these companies, nor have I received any of the itemized statements that I requested.
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.
They obviously did NOT read my complaint because I clearly wrote that I repeatedly filed disputes regarding both accounts with the credit bureaus and there statement shows a lack of reading, comprehension or an automatic response.
Regards,
Ms [redacted]
Ms. [redacted] placed an order with Midnight Velvet that was
posted to her Midnight Velvet credit account on March 6, 2015. A statement was
prepared and mailed to Ms. [redacted] indicating the first monthly payment of $25 was
due on or before April 10, 2015. Ms. [redacted] failed to make the required...
monthly
payment. On or about April 13, 2015 prepared another billing statement and
mailed it to Ms. [redacted]’s attention. This statement indicated a payment of $50
(the $25 scheduled payment plus the $25 past due amount) was due on or before
May 10, 2015. The due date on this statement did not alter the fact that $25
was past due and immediately payable. Midnight Velvet called Ms. [redacted] on April
29, 2015, seeking immediate payment of the past due amount.
Ms. [redacted] called Midnight Velvet on May 1, 2015 to request
her account number. Midnight Velvet required Ms. [redacted] to provide sufficient personal
information to demonstrate that she was, in fact, the account holder.
Ms. [redacted] received a collection call regarding her past due
account 18 days after her payment was due.
Midnight Velvet refused to provide a caller with a customer account
number until and unless it could verify the identity of the caller. Midnight
Velvet does not believe either of these instances constitutes harassment of any
kind. Ms. [redacted] can avoid further collections calls by making the required
monthly payment on her account on or before the due date and can refer to her
monthly billing statement for her account number.
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]My account shows no current balance owed. I do not owe any monies on this account. no one ever informed me of a new account number. I am not paying on an account that is not mine...
A credit to Ms. [redacted]’ account on September 21, 2016 reduced her account balance to $32.08. A statement was prepared and mailed to Ms. [redacted] on or about October 12, 2016, reflecting an account balance of $33.08 and a payment due date of November 10, 2016. Ms. [redacted] failed to make a payment on or...
before the due date. A new account statement was prepared and mailed to Ms. [redacted] reflecting a balance of $34.08 and a payment due date of December 10, 2016.
Ten days after the November due date, no payment having been received, a late payment fee was assessed on the account on November 22, 2016. Ms. [redacted] made a payment of $34.08 on December 9, 2016, leaving an unpaid balance of $10 on the account.
As a courtesy to Ms. [redacted], Ginny’s has credited her account for the $10 late fee and the related finance charges. The account now has a zero balance.
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 have disputed this information with the credit bureau that the inquiry is associated with and Ginny's is confirming that it me.Their response to my complaint is not acceptable due to Ginny's admitting that I hold no account with the company however my credit still took a hard inquiry. It's very evident that Ginny's has poor and shady business practices. The credit bureau has once again for the 2nd time, to reach out to Ginny's and they will no remove the fraudulent inquiry that they have placed on my credit report. I'm and suffering from the consequences of the mistakes that Ginny's has made and I want justice. I will stop at nothing until this is handled in a fair and professional manner.Best Regards, Royal [redacted] III
[redacted]
Ms. [redacted] account is past due. The fact that she has indicated an intent to make a payment in the future does not change the current status of her account. Montgomery Ward has the right, under the account agreement, to suspend purchasing privileges at any time - including when an account is past...
due. Ms. [redacted] will be free to contact Montgomery Ward regarding her held order after she brings her account current. Please note that the order will not be released automatically if/when the account becomes current.
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]
[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,
Nichole [redacted]
Dear [redacted] Thank you for contacting the Credit Department. We do apoligize about the issues that you had with your account. The reason why you received a late fee was because your account was due on 2/5/15 and payment wasn't received until 2/20/15. Your balance has been written...
off in full, and within a 24-48 hour period your balance will be at $00.00. If you have any other questions or concerns, please call the number below. We hope this information is helpful. Sincerely, Swiss Colony Credit Department www.swisscolony.com608-324-3021
An identity theft affidavit was sent to Ms. [redacted] attention in January of 2017. The affidavit has not been returned. Based on the information currently available, the company has a reasonable basis for believing the account was opened by Ms. [redacted] and that she is responsible for...
payment of the balance.
[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 disputed this account back in May 2017 and it was deleted from my Trans Union account so I’m trying to figure out why is it still on my experien and Equifax credit report. I have not received any information from this company regarding a affidavit identity theft paper I have made a police report regarding my information was stolen
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 just wanted to make sure that it was stated for the record that my address was updated last year to [redacted]. Also, prior to paying the balance I will need an agreement that this item will be removed from my credit file.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]