We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 12/1/2016 via mail. We are sorry you were disappointed with your gift choices.
Every effort is made to provide the best service and highest quality possible. Descriptions of our products...
in the catalog and online reflect an accurate narrative of color, size and price. The photographs display the actual gift packages in order to help the customer visualize. Supplemental information regarding style, materials and special instructions are also included, or you may speak with our friendly customer service representatives if there are any special questions or concerns with the quality of the product received. Our records indicate we have served you satisfactorily since 2015. Regretfully we had not heard from you prior the complaint to the Revdex.com. We are forwarding your concerns to the departments involved for their additional review and considerations.
We have as a courtesy credited your order in full, you will note the credit of $115.90 on your next billing statement. We are in the process of removing your name from our mailing listing. Please allow six to eight weeks for the entire process to be completed. You may discard any catalogs received in the interim.
We appreciate the opportunity to explain and sincerely wish you a full recovery. Swiss Colony
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.
Mr. [redacted] order history indicates he placed an order with Midnight Velvet in December of 2013 that was shipped to a gift recipient. Midnight Velvet has no record of receiving a return on the order, nor does Midnight Velvet have a record of speaking with Mr. [redacted] about an anticipated return or...
refund. If Mr. [redacted] has additional information or documentation of the return he should contact customer service at [redacted].
The address on Ms. [redacted]' account is [redacted] Monroe and Main has no record of speaking with Ms. [redacted] since July 26, 2017, and has not mailed anything to her attention since may of 2017. Monroe and Main has also verified that the collection agency handling her account has the correct address on its file.
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.
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.
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
A review of its records indicates the personal information provided at account opening does not match Ms. [redacted]. Nonetheless, information regarding the account continues to appear on her consumer credit report. Montgomery Ward has now coded the account as fraudulent to permanently delete the...
account information and prevent it from reappearing on Ms. [redacted] credit report.
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 at the time was [redacted]. I have faxed documentation to them four times. The accounts were with Monroe & Main and Seventh Avenue. Colony Brands is the parent corporation for those entities. I spoke with yet another person, [redacted] who served as the go-between for a Ms [redacted] (At Monroe & Main) and was told flat out, they would NOT be correcting this. That it was reported correctly and I should contact the credit bureaus. The credit bureaus cannot place information on your credit report unless a creditor advises or instructs them to do so. When I asked to speak with Ms [redacted], conveniently, she had left for the day. I asked that she call me today and no call has been made. The documentation clearly shows their reporting error and violation of bankruptcy discharge injunction. They have no intention of clearing this up. I then investigated on my own and was able to reach the General Counsel for Colony Brands, who I had also sent a complete packet of documentation to, and just in our conversation, he agreed that the delinquencies should not have been reported. This is not settled and I risk losing the loan approval for my home because of their years of inaccurate reporting. This company is in violation of Federal Bankruptcy Law and The Fair Credit Reporting Act for failing to correct information that is in error.
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,
[redacted] I want my stuff or i'll file claim against them with people claim
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]
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]
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.
The reason it was placed by card was because as I have already said u sat on my check for so long the items were not avalable any longer. I had to place my order once again with credit card. I have a letter from the company stating that and an eleven dollar bill for a return.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
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.
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 received the correspondence from the Revdex.com in regards to your order #[redacted]-** placed via mail 4/25/2016. We sincerely apologize for any inconvenience.
Every effort is made to provide you with the best service and highest quality possible. It was an error on our part we did...
not follow through with additional information prior to shipment of your order regarding the 2nd Handset Cordless Phone. Upon receipt of product for our warehouse, it was brought to our attention this item did not fulfill the description in the catalog. Call in customers received the following information while placing the order “The catalog states one corded phone and two cordless handsets, when actually the product is only one corded phone and one cordless handset. There are two phones only.” This allowed the customer to determine if they wished to keep the item as is or select another.
We have issued a 50% discount to your order of $50 and credited the shipping and processing of $18.95. Please allow twenty four to forty eight hours for your account to reflect these adjustments. We regret we disappointed a first time customer and hope you’ll give us another chance to serve you better in the future. Sincerely, Seventh Avenue
We received the correspondence from the Revdex.com in regards to your order #171075-65 placed 5/20/2015 via internet. We are sorry for any confusion regarding the return of the Gisele Jacket Dress and charges and credits to your account.
We promptly credited your account upon...
the receipt and processing of your return for $149.22 on 7/2/2015, even though it was beyond the return policy guidelines. 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.
Our guarantee is listed on the order blank in the center of the catalog or online under Customer Service/Help 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.”
Your order was returned using the Smart Label Option at a cost of $7.95 to be applied to your account when returned. This convenience is offered to our customers and allows them to return easily by dropping at the post office without waiting in line or just giving to their postman. This information is clearly labeled on the form supplied prior to the removal of the label.
Unfortunately, payment on account had not been received in accordance with the terms and conditions of the Credit Agreement. This initiated finance charges and a late fee to accrue on the account. We have as a courtesy credited your order for the original shipping and processing of $21.95 plus the Smart Label of $7.95. We have also requested to have the late fee and finance charges to also be removed from your account. Your account will reflect a zero balance within the next twenty four to forty eight hours. We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 12/1/2016 via mail. We are sorry you were disappointed with your gift choices.
Every effort is made to provide the best service and highest quality possible. Descriptions of our products...
in the catalog and online reflect an accurate narrative of color, size and price. The photographs display the actual gift packages in order to help the customer visualize. Supplemental information regarding style, materials and special instructions are also included, or you may speak with our friendly customer service representatives if there are any special questions or concerns with the quality of the product received. Our records indicate we have served you satisfactorily since 2015. Regretfully we had not heard from you prior the complaint to the Revdex.com. We are forwarding your concerns to the departments involved for their additional review and considerations.
We have as a courtesy credited your order in full, you will note the credit of $115.90 on your next billing statement. We are in the process of removing your name from our mailing listing. Please allow six to eight weeks for the entire process to be completed. You may discard any catalogs received in the interim.
We appreciate the opportunity to explain and sincerely wish you a full recovery. Swiss Colony
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.
Mr. [redacted] order history indicates he placed an order with Midnight Velvet in December of 2013 that was shipped to a gift recipient. Midnight Velvet has no record of receiving a return on the order, nor does Midnight Velvet have a record of speaking with Mr. [redacted] about an anticipated return or...
refund. If Mr. [redacted] has additional information or documentation of the return he should contact customer service at [redacted].
The address on Ms. [redacted]' account is [redacted] Monroe and Main has no record of speaking with Ms. [redacted] since July 26, 2017, and has not mailed anything to her attention since may of 2017. Monroe and Main has also verified that the collection agency handling her account has the correct address on its file.
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.
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.
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
A review of its records indicates the personal information provided at account opening does not match Ms. [redacted]. Nonetheless, information regarding the account continues to appear on her consumer credit report. Montgomery Ward has now coded the account as fraudulent to permanently delete the...
account information and prevent it from reappearing on Ms. [redacted] credit report.
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 at the time was [redacted]. I have faxed documentation to them four times. The accounts were with Monroe & Main and Seventh Avenue. Colony Brands is the parent corporation for those entities. I spoke with yet another person, [redacted] who served as the go-between for a Ms [redacted] (At Monroe & Main) and was told flat out, they would NOT be correcting this. That it was reported correctly and I should contact the credit bureaus. The credit bureaus cannot place information on your credit report unless a creditor advises or instructs them to do so. When I asked to speak with Ms [redacted], conveniently, she had left for the day. I asked that she call me today and no call has been made. The documentation clearly shows their reporting error and violation of bankruptcy discharge injunction. They have no intention of clearing this up. I then investigated on my own and was able to reach the General Counsel for Colony Brands, who I had also sent a complete packet of documentation to, and just in our conversation, he agreed that the delinquencies should not have been reported. This is not settled and I risk losing the loan approval for my home because of their years of inaccurate reporting. This company is in violation of Federal Bankruptcy Law and The Fair Credit Reporting Act for failing to correct information that is in error.
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,
[redacted] I want my stuff or i'll file claim against them with people claim
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]
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]
Please provide the full account number to assist in verifying the correct 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.
The reason it was placed by card was because as I have already said u sat on my check for so long the items were not avalable any longer. I had to place my order once again with credit card. I have a letter from the company stating that and an eleven dollar bill for a return.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
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.
No further response is required from Montgomery Ward.
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 received the correspondence from the Revdex.com in regards to your order #[redacted]-** placed via mail 4/25/2016. We sincerely apologize for any inconvenience.
Every effort is made to provide you with the best service and highest quality possible. It was an error on our part we did...
not follow through with additional information prior to shipment of your order regarding the 2nd Handset Cordless Phone. Upon receipt of product for our warehouse, it was brought to our attention this item did not fulfill the description in the catalog. Call in customers received the following information while placing the order “The catalog states one corded phone and two cordless handsets, when actually the product is only one corded phone and one cordless handset. There are two phones only.” This allowed the customer to determine if they wished to keep the item as is or select another.
We have issued a 50% discount to your order of $50 and credited the shipping and processing of $18.95. Please allow twenty four to forty eight hours for your account to reflect these adjustments. We regret we disappointed a first time customer and hope you’ll give us another chance to serve you better in the future. Sincerely, Seventh Avenue
We received the correspondence from the Revdex.com in regards to your order #171075-65 placed 5/20/2015 via internet. We are sorry for any confusion regarding the return of the Gisele Jacket Dress and charges and credits to your account.
We promptly credited your account upon...
the receipt and processing of your return for $149.22 on 7/2/2015, even though it was beyond the return policy guidelines. 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.
Our guarantee is listed on the order blank in the center of the catalog or online under Customer Service/Help 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.”
Your order was returned using the Smart Label Option at a cost of $7.95 to be applied to your account when returned. This convenience is offered to our customers and allows them to return easily by dropping at the post office without waiting in line or just giving to their postman. This information is clearly labeled on the form supplied prior to the removal of the label.
Unfortunately, payment on account had not been received in accordance with the terms and conditions of the Credit Agreement. This initiated finance charges and a late fee to accrue on the account. We have as a courtesy credited your order for the original shipping and processing of $21.95 plus the Smart Label of $7.95. We have also requested to have the late fee and finance charges to also be removed from your account. Your account will reflect a zero balance within the next twenty four to forty eight hours. We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro