Ms. [redacted] was not pre-screened by Midnight Velvet, nor was she mailed a pre-approved credit offer. Ms. [redacted] first order was held and she was notified that payment in full would be required before the order could be shipped. Ms. Burch canceled that order and attempted to place a second...
This complaint is virtually identical to the one Mr. [redacted] filed in February of this year. As stated in that response, two consecutive ACH payments from Mr. [redacted] were returned in 2015. As a result, Seventh Avenue no longer permits ACH payments on Mr. [redacted]'s account. Seventh Avenue credited Mr....
[redacted]'s account to remove late fees in response to the previous complaint, in the belief that he would pay his account as agreed using other forms of remittance. Mr. [redacted] has not made a payment on his account since November of 2015. Seventh Avenue will not credit Mr. [redacted]'s account for any further late payment fee unless and until he makes a legitimate effort to bring his account current.
We received your correspondence from the Revdex.com regarding Order #[redacted]. Please accept our apologies that the Oh Baby Top was less than satisfactory.
We regret that your concerns were not able to be properly addressed during your call to Customer Service call on 3/14/2016. The...
call has been reviewed and we believe the call was disconnected due to a malfunction. We apologize for any inconvenience experienced as a result.
Our guarantee, which can be found on the back of the center order form as well as on our website, states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. Simply tell us your preference, and we'll gladly refund your merchandise amount, credit your account or issue a replacement. If your item is damaged, contact us at 800-727-9496.” Shipping and processing is not automatically credited which is a common practice in the catalog industry when a customer returns an item because it did not fit, was not as expected, or the customer changed his or her mind. The reason code provided on the return form indicates that the item was returned due to “Did not like style/features”.
Additionally, the item was returned using the Smart Label option. This option is provided by Monroe & Main as a customer convenience at a cost of $7.95 which is charged to your account when the item is returned. This information is clearly disclosed on the return label.
As a courtesy, we have credited original shipping and processing of $10.95 as well as the Smart Label charge of $7.95. Your account will reflect a zero balance within the next 48 hours.
We hope this information is helpful. We appreciate the opportunity to explain.
Sincerely, Monroe & Main
The payment Ms. [redacted] made on January 6, 2017 was directed by the payment service to another account with a zero balance. The payment was refunded via check on January 13, 2017. The refund check was returned to Seventh Avenue on February 17, 2017. The payment will be applied to Ms. [redacted]'s account. As...
a courtesy, Seventh Avenue has credited Ms. [redacted]'s account to remove late payment fees and finance charges. These adjustments will appear on her next monthly billing statement. No information regarding the account has been furnished to a consumer reporting agency.
The disclosures included in the catalog sent to Ms. [redacted] in the spring of 2016 included the following:
TERMS: Your ability to obtain a credit account (“Account”) is conditioned on your meeting certain creditworthiness requirements that we have established for the Account. You authorize us to...
obtain a consumer report on you. We may not provide an Account to you, or we may limit the amount of credit initially available to you, if you do not meet our creditworthiness requirements. Account not available if we cannot verify information about you or if you cannot enter into a binding contract.
More importantly, the same provision is included in the terms and conditions disclosed to Ms. [redacted] online when she placed her second order on July 30, 2016. Consumer's are required to agree to the terms and conditions of the account in order to complete their transaction using a Seventh Avenue credit account. Thus, Ms. [redacted] consented to the credit inquiry.
Finally, the Fair Credit Reporting Act allows a creditor to request a consumer credit report for the purpose of opening, maintaining or collecting on a credit account. Even without the specific consent, Seventh Avenue had a permissible purpose for requesting a consumer credit report in conjunction with Ms. [redacted]' request for an extension of credit.
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.] U WANT MY STUFF I JAVE ORDERED YOU GUYS BELIVE A COMPANY THAT HAS A F RATING IN THE Revdex.com YOU GUYS MUST BE STUPID BLING OR BOTH TIS COMPANY MUST BE PAYING YOU GUYS OFF TO BRLIEVE THEIR LIES THERE IS A LAWSUIT ALREADY FILRD AGAINST THEM I AND I HAVE THE PROOF
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed online 2/1/2017. We apologize for any confusion about the shipping and processing.
Shipping and processing charges are calculated when the order is placed. This becomes a part of your...
order total prior to submitting your order online. We promptly credited your card for the price of the Jeniece and Gigi dresses when returned because they were not as expected. Shipping and processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fit. The Ashro guarantee is listed on the order blank in the center of the catalog or online under Customer Service and states, “All items come with a money-back guarantee* only if returned within 30 days of invoice date. You may request a full* merchandise refund or exchange (if available). The refund or credit amount does not include the original shipping charges or the return shipping charges.”
Records indicate per your call today, full credit for the shipping and processing was issued as a one time courtesy. We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
Unfortunately our attempts to reach you were unsuccessful on 1/28/2016, but a message was left. On 1/29/2016 the voice mailbox was full so a letter was sent 2/1/2016. Full credit has been issued to your account (which now reflects a zero balance) and you may dispose of the Diffuser. The photographs will be reviewed. We kindly ask if you would fill out and return the information that was sent to you, for our records. We regret any disappointment, but appreciate the opportunity to stand behind our products. Montgomery Ward
Mr. [redacted] did not have a pre-approved limit with Montgomery Ward at the time he placed his order on 11/15/17. His previous orders had been evaluated and approved individually. Based on his payment performance, however, Mr. [redacted] now has a pre-approved limit of $400.
Monroe & Main has contacted Ms. [redacted] and resolved this issue. The call Ms. [redacted] received was the result of an incorrect phone number assigned to an existing customer's account. The number has been removed from the account record. Monroe and Main offers its apologies for any inconvenience she...
All activity on the account has been suspended pending completion of an investigation of the order. No information has been or will be furnished to a consumer reporting agency regarding the account.
Ginny's offers its apologies to Ms. [redacted] for any inconvenience she may have experienced as a result of this matter. A credit agent mistakenly combined Mr. and Mrs. [redacted] accounts in July of this year. The error was corrected on September 6, 2016.
[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]
Seventh Avenue is unable to locate an account in Ms. [redacted]'s name at the address she provided. Seventh Avenue requests additional information from Ms. [redacted] to allow it to locate the account at issue, which may include the full or partial account number, previous addresses and/or previous...
We make every effort to provide the best service and highest quality possible and apologize for any inconvenience you may have experienced while attempting to have your name removed from our mailing listing. Names may come in many different formats when acquired. Upon review your name was coded as...
Do Not Mail a catalog, however: we have forwarded this information on to the department involved for further review. Keep in mind, a variance of any type, i.e. first name, initial, middle initial, abbreviation of street, or formal spelling of first name can initiate an additional customer address. We have used the information below to remove your name.
[redacted]
You may also elect to go online to: www.DMAchoice.org where you may specifically select what you wish to receive and what not. Per your request, we are removing your name, as shown, from our mailing listing. However, it is still possible that you may receive another catalog from us. Some catalogs are already at their shipping destinations, to be released at a later date. The entire process can take from six to eight weeks. If any are received you may discard. We appreciate the opportunity to serve. Sincerely, Swiss Colony
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.MY NAME IS [redacted] NOT MR. [redacted]. DID YOU NOT READ MY THE LATEST COMPLAINT I FILED WITH THE Revdex.com REGARDING THE WAY YOU ARE ADDRESSING ME. YOU ARE OBVIOUSLY NOT READING MY COMPLAINTS OR YOU WOULD KNOW TO STOP CALLING ME MR. [redacted]. MY CHARGE ACCOUNT IS IN THE NAME OF [redacted] IF YOU BOTHER TO TAKE THE TIME TO LEARN WHO YOUR CUSTOMERS ARE.I HAVE HAD IT WITH THIS WE HAVE NO RECORD OF CALLING YOU ON SUCH AND SUCH A DATE. YOU CALLED NOT ONCE BUT TWICE ON 9/22/2015. TOMORROW I PHOTOGRAPH MY CELL PHONE CALL LOG AND I WILL HAVE EVIDENCE THAT YOU CALLED ME. THE CALL LOG SAYS FOR EACH CALL WHETHER IT WAS RECEIVED, DIALED, OR MISSED. IN ADDITION, IT STATES THE TIME OF THE CALL, THE DURATION OF THE CALL, AND THE DATE. IT DOES THIS FOR EACH CALL. THERE WILL BE 7 PHOTOGRAPHS COMING TO Revdex.com. 0N 9/22, I SPOKE WITH JASON, EBONY, AND A SUPERVISOR. ALL OF THIS IS IN MY FIRST COMPLAINT. DID YOU EVEN BOTHER TO READ IT OR DID YOU JUST SKIM OVER IT? CONSIDERING YOU CONTINUALLY ADDRESS ME AS MR. [redacted], I QUESTION YOUR READING ABILITY. WHAT IS WRONG WITH YOU PEOPLE? YOU CERTAINLY KNOW NOTHING ABOUT CUSTOMER SERVICE OR GRATITUDE. YOU DO NOTHING BUT CONTINUE TO INFURIATE ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THIS IS NOT AN ACCEPTABLE RESPONSE. I DO NOT THINK YOU ARE CAPABLE OF GIVING ACCEPTABLE OR APPROPRIATE RESPONSES. YOU CERTAINLY DO NOT DESERVE TO BE IN THE PEOPLE BUSINESS. I LOOK FORWARD TO SENDING THE Revdex.com MY PHOTOGRAPHS OF MY CELL PHONE PROVING YOU CONTINUE TO DENY SOMETHING YOU KNOW DARN GOOD AND WELL IS TRUE. YOU ARE HOPING NOT TO HUMBLE YOURSELF AND ADMIT YOU ARE WRONG. YOU ARE VERY WRONG. ARROGANCE IS NOT GOOD KARMA!!!!! On Thu, 8 Oct at 7:13 AM , [redacted]> wrote:As promised here are the cell phone photos document the calls Seventh Avenue made to me. I have one call on 9/22/2015 because I called them. I had to many dialed calls out and the call was automatically deleted. The call on 10/01/2015 came from a different because it was Seventh Avenue's sister company, Ginny's, calling. You call one number and you can pay your bill for both Ginny's and Seventh Avenue. I am curious how they are going to deny the calls were made to me as I stated from the beginning of my complaint. Thank you Revdex.com for your assistance with my complaint. I don't believe it will ever be resolved with Seventh Avenue, but I appreciate all the Revdex.com has done. Thanks for being there.Sincerely,[redacted] not Mr. [redacted]
Someone who has obtained Ms. [redacted] personal information has used it on two occasions to attempt to open an account in her name with Montgomery Ward. Montgomery Ward does not have the ability to prevent this person from visiting its web site, entering Ms. [redacted] information and using it to...
place an order. Ward's does have the ability to prevent an account from being opened when such an attempt is made. It is worth noting that neither attempt resulted in the shipment of merchandise or the opening of an account in Ms. [redacted] name. Finally, the individual placing these orders is not using information obtained from Montgomery Ward, he or she is using information they already have to attempt to open an account in Ms. [redacted] name. Removing the information regarding previous attempts will not prevent the individual from making another attempt. More to the point, information from the first attempt helped to identify the second attempt as fraudulent more quickly.
Given the small balance on the account and the age of the account, Ashro will delete the account information from Ms. Mccray's credit file. It should be noted, however, that Ashro does not offer or accept deletion of account information as a condition of payment of a delinquent account.
Colony Brands offers its apologies to Mr. [redacted] for any inconvenience he may have experienced as a result of this matter. Creditors are required by law to establish reasonable policies and procedures to prevent and mitigate identity theft and other forms of fraud. Purchase velocity (the frequency...
with which credit purchases are made) is one of the measures creditors use to detect and prevent possible fraud. The companies with which Mr. [redacted] has accounts share purchase data for this purpose, so that multiple purchases from related companies in a short amount of time can result in orders being held as potentially fraudulent. Since this is a fraud prevention application that is governed by an algorithm, credit agents are not able to override the hold and release orders. It appears that Mr. [redacted] called in on June 9, 2017 and was advised that his best course of action is to wait 10-14 days before placing another order.
Ms. [redacted] was not pre-screened by Midnight Velvet, nor was she mailed a pre-approved credit offer. Ms. [redacted] first order was held and she was notified that payment in full would be required before the order could be shipped. Ms. Burch canceled that order and attempted to place a second...
order, which was also held.
This complaint is virtually identical to the one Mr. [redacted] filed in February of this year. As stated in that response, two consecutive ACH payments from Mr. [redacted] were returned in 2015. As a result, Seventh Avenue no longer permits ACH payments on Mr. [redacted]'s account. Seventh Avenue credited Mr....
[redacted]'s account to remove late fees in response to the previous complaint, in the belief that he would pay his account as agreed using other forms of remittance. Mr. [redacted] has not made a payment on his account since November of 2015. Seventh Avenue will not credit Mr. [redacted]'s account for any further late payment fee unless and until he makes a legitimate effort to bring his account current.
We received your correspondence from the Revdex.com regarding Order #[redacted]. Please accept our apologies that the Oh Baby Top was less than satisfactory.
We regret that your concerns were not able to be properly addressed during your call to Customer Service call on 3/14/2016. The...
call has been reviewed and we believe the call was disconnected due to a malfunction. We apologize for any inconvenience experienced as a result.
Our guarantee, which can be found on the back of the center order form as well as on our website, states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. Simply tell us your preference, and we'll gladly refund your merchandise amount, credit your account or issue a replacement. If your item is damaged, contact us at 800-727-9496.” Shipping and processing is not automatically credited which is a common practice in the catalog industry when a customer returns an item because it did not fit, was not as expected, or the customer changed his or her mind. The reason code provided on the return form indicates that the item was returned due to “Did not like style/features”.
Additionally, the item was returned using the Smart Label option. This option is provided by Monroe & Main as a customer convenience at a cost of $7.95 which is charged to your account when the item is returned. This information is clearly disclosed on the return label.
As a courtesy, we have credited original shipping and processing of $10.95 as well as the Smart Label charge of $7.95. Your account will reflect a zero balance within the next 48 hours.
We hope this information is helpful. We appreciate the opportunity to explain.
Sincerely, Monroe & Main
Monroe and Main and Seventh Avenue have no further response to Ms. Tate's complaint.
The payment Ms. [redacted] made on January 6, 2017 was directed by the payment service to another account with a zero balance. The payment was refunded via check on January 13, 2017. The refund check was returned to Seventh Avenue on February 17, 2017. The payment will be applied to Ms. [redacted]'s account. As...
a courtesy, Seventh Avenue has credited Ms. [redacted]'s account to remove late payment fees and finance charges. These adjustments will appear on her next monthly billing statement. No information regarding the account has been furnished to a consumer reporting agency.
The disclosures included in the catalog sent to Ms. [redacted] in the spring of 2016 included the following:
TERMS: Your ability to obtain a credit account (“Account”) is conditioned on your meeting certain creditworthiness requirements that we have established for the Account. You authorize us to...
obtain a consumer report on you. We may not provide an Account to you, or we may limit the amount of credit initially available to you, if you do not meet our creditworthiness requirements. Account not available if we cannot verify information about you or if you cannot enter into a binding contract.
More importantly, the same provision is included in the terms and conditions disclosed to Ms. [redacted] online when she placed her second order on July 30, 2016. Consumer's are required to agree to the terms and conditions of the account in order to complete their transaction using a Seventh Avenue credit account. Thus, Ms. [redacted] consented to the credit inquiry.
Finally, the Fair Credit Reporting Act allows a creditor to request a consumer credit report for the purpose of opening, maintaining or collecting on a credit account. Even without the specific consent, Seventh Avenue had a permissible purpose for requesting a consumer credit report in conjunction with Ms. [redacted]' request for an extension of credit.
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.] U WANT MY STUFF I JAVE ORDERED YOU GUYS BELIVE A COMPANY THAT HAS A F RATING IN THE Revdex.com YOU GUYS MUST BE STUPID BLING OR BOTH TIS COMPANY MUST BE PAYING YOU GUYS OFF TO BRLIEVE THEIR LIES THERE IS A LAWSUIT ALREADY FILRD AGAINST THEM I AND I HAVE THE PROOF
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed online 2/1/2017. We apologize for any confusion about the shipping and processing.
Shipping and processing charges are calculated when the order is placed. This becomes a part of your...
order total prior to submitting your order online. We promptly credited your card for the price of the Jeniece and Gigi dresses when returned because they were not as expected. Shipping and processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fit. The Ashro guarantee is listed on the order blank in the center of the catalog or online under Customer Service and states, “All items come with a money-back guarantee* only if returned within 30 days of invoice date. You may request a full* merchandise refund or exchange (if available). The refund or credit amount does not include the original shipping charges or the return shipping charges.”
Records indicate per your call today, full credit for the shipping and processing was issued as a one time courtesy. We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
Unfortunately our attempts to reach you were unsuccessful on 1/28/2016, but a message was left. On 1/29/2016 the voice mailbox was full so a letter was sent 2/1/2016. Full credit has been issued to your account (which now reflects a zero balance) and you may dispose of the Diffuser. The photographs will be reviewed. We kindly ask if you would fill out and return the information that was sent to you, for our records. We regret any disappointment, but appreciate the opportunity to stand behind our products. Montgomery Ward
Mr. [redacted] did not have a pre-approved limit with Montgomery Ward at the time he placed his order on 11/15/17. His previous orders had been evaluated and approved individually. Based on his payment performance, however, Mr. [redacted] now has a pre-approved limit of $400.
Monroe & Main has contacted Ms. [redacted] and resolved this issue. The call Ms. [redacted] received was the result of an incorrect phone number assigned to an existing customer's account. The number has been removed from the account record. Monroe and Main offers its apologies for any inconvenience she...
may have experienced as a result of this matter.
All activity on the account has been suspended pending completion of an investigation of the order. No information has been or will be furnished to a consumer reporting agency regarding the account.
Ginny's offers its apologies to Ms. [redacted] for any inconvenience she may have experienced as a result of this matter. A credit agent mistakenly combined Mr. and Mrs. [redacted] accounts in July of this year. The error was corrected on September 6, 2016.
[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]
Seventh Avenue is unable to locate an account in Ms. [redacted]'s name at the address she provided. Seventh Avenue requests additional information from Ms. [redacted] to allow it to locate the account at issue, which may include the full or partial account number, previous addresses and/or previous...
names.
We make every effort to provide the best service and highest quality possible and apologize for any inconvenience you may have experienced while attempting to have your name removed from our mailing listing. Names may come in many different formats when acquired. Upon review your name was coded as...
Do Not Mail a catalog, however: we have forwarded this information on to the department involved for further review. Keep in mind, a variance of any type, i.e. first name, initial, middle initial, abbreviation of street, or formal spelling of first name can initiate an additional customer address. We have used the information below to remove your name.
[redacted]
You may also elect to go online to: www.DMAchoice.org where you may specifically select what you wish to receive and what not. Per your request, we are removing your name, as shown, from our mailing listing. However, it is still possible that you may receive another catalog from us. Some catalogs are already at their shipping destinations, to be released at a later date. The entire process can take from six to eight weeks. If any are received you may discard. We appreciate the opportunity to serve. Sincerely, Swiss Colony
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.MY NAME IS [redacted] NOT MR. [redacted]. DID YOU NOT READ MY THE LATEST COMPLAINT I FILED WITH THE Revdex.com REGARDING THE WAY YOU ARE ADDRESSING ME. YOU ARE OBVIOUSLY NOT READING MY COMPLAINTS OR YOU WOULD KNOW TO STOP CALLING ME MR. [redacted]. MY CHARGE ACCOUNT IS IN THE NAME OF [redacted] IF YOU BOTHER TO TAKE THE TIME TO LEARN WHO YOUR CUSTOMERS ARE.I HAVE HAD IT WITH THIS WE HAVE NO RECORD OF CALLING YOU ON SUCH AND SUCH A DATE. YOU CALLED NOT ONCE BUT TWICE ON 9/22/2015. TOMORROW I PHOTOGRAPH MY CELL PHONE CALL LOG AND I WILL HAVE EVIDENCE THAT YOU CALLED ME. THE CALL LOG SAYS FOR EACH CALL WHETHER IT WAS RECEIVED, DIALED, OR MISSED. IN ADDITION, IT STATES THE TIME OF THE CALL, THE DURATION OF THE CALL, AND THE DATE. IT DOES THIS FOR EACH CALL. THERE WILL BE 7 PHOTOGRAPHS COMING TO Revdex.com. 0N 9/22, I SPOKE WITH JASON, EBONY, AND A SUPERVISOR. ALL OF THIS IS IN MY FIRST COMPLAINT. DID YOU EVEN BOTHER TO READ IT OR DID YOU JUST SKIM OVER IT? CONSIDERING YOU CONTINUALLY ADDRESS ME AS MR. [redacted], I QUESTION YOUR READING ABILITY. WHAT IS WRONG WITH YOU PEOPLE? YOU CERTAINLY KNOW NOTHING ABOUT CUSTOMER SERVICE OR GRATITUDE. YOU DO NOTHING BUT CONTINUE TO INFURIATE ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THIS IS NOT AN ACCEPTABLE RESPONSE. I DO NOT THINK YOU ARE CAPABLE OF GIVING ACCEPTABLE OR APPROPRIATE RESPONSES. YOU CERTAINLY DO NOT DESERVE TO BE IN THE PEOPLE BUSINESS. I LOOK FORWARD TO SENDING THE Revdex.com MY PHOTOGRAPHS OF MY CELL PHONE PROVING YOU CONTINUE TO DENY SOMETHING YOU KNOW DARN GOOD AND WELL IS TRUE. YOU ARE HOPING NOT TO HUMBLE YOURSELF AND ADMIT YOU ARE WRONG. YOU ARE VERY WRONG. ARROGANCE IS NOT GOOD KARMA!!!!! On Thu, 8 Oct at 7:13 AM , [redacted]> wrote:As promised here are the cell phone photos document the calls Seventh Avenue made to me. I have one call on 9/22/2015 because I called them. I had to many dialed calls out and the call was automatically deleted. The call on 10/01/2015 came from a different because it was Seventh Avenue's sister company, Ginny's, calling. You call one number and you can pay your bill for both Ginny's and Seventh Avenue. I am curious how they are going to deny the calls were made to me as I stated from the beginning of my complaint. Thank you Revdex.com for your assistance with my complaint. I don't believe it will ever be resolved with Seventh Avenue, but I appreciate all the Revdex.com has done. Thanks for being there.Sincerely,[redacted] not Mr. [redacted]
Someone who has obtained Ms. [redacted] personal information has used it on two occasions to attempt to open an account in her name with Montgomery Ward. Montgomery Ward does not have the ability to prevent this person from visiting its web site, entering Ms. [redacted] information and using it to...
place an order. Ward's does have the ability to prevent an account from being opened when such an attempt is made. It is worth noting that neither attempt resulted in the shipment of merchandise or the opening of an account in Ms. [redacted] name. Finally, the individual placing these orders is not using information obtained from Montgomery Ward, he or she is using information they already have to attempt to open an account in Ms. [redacted] name. Removing the information regarding previous attempts will not prevent the individual from making another attempt. More to the point, information from the first attempt helped to identify the second attempt as fraudulent more quickly.
Given the small balance on the account and the age of the account, Ashro will delete the account information from Ms. Mccray's credit file. It should be noted, however, that Ashro does not offer or accept deletion of account information as a condition of payment of a delinquent account.
Colony Brands offers its apologies to Mr. [redacted] for any inconvenience he may have experienced as a result of this matter. Creditors are required by law to establish reasonable policies and procedures to prevent and mitigate identity theft and other forms of fraud. Purchase velocity (the frequency...
with which credit purchases are made) is one of the measures creditors use to detect and prevent possible fraud. The companies with which Mr. [redacted] has accounts share purchase data for this purpose, so that multiple purchases from related companies in a short amount of time can result in orders being held as potentially fraudulent. Since this is a fraud prevention application that is governed by an algorithm, credit agents are not able to override the hold and release orders. It appears that Mr. [redacted] called in on June 9, 2017 and was advised that his best course of action is to wait 10-14 days before placing another order.