Mr. [redacted] received notice of the returned payments on his account in the form of his monthly billing statement. All activity for the billing period is listed on each statement, including all returned payments, late payment fees and/or returned payment fees.
Seventh Avenue assumes Mr. [redacted] also receives a monthly account statement from his bank. Presumably the returned payments, along with any resulting fees, would have appeared on the appropriate statement. Regardless, Mr. [redacted] no longer has the option of paying his account via ACH.
Montgomery Ward and Seventh Avenue have routinely verified orders placed by Ms. [redacted] based on the instructions on her consumer credit report.
The companies have had consistent, repeated communications with Ms. [redacted] at the number listed on the complaint. In the past twelve months Ms....
[redacted] has requested accommodations on her accounts due to medical hardship, requested a due date change, made multiple payments and requested forbearance due to flooding in her area, all without ever disputing the balance on her account.
Additionally, it should be noted that all orders have been shipped to Ms. [redacted]’s attention at the address listed on the complaint, which matches the only address that has ever been listed in the account record.
Bureau:
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 all it shows on my credit report.Through the Country Door account # [redacted] $70.00 Regards,
[redacted]
Ms. [redacted]' account had the [redacted] as the billing address from May of 2015, when the account was opened, through April 3, 2017. Monroe and Main has no record of an address change at any time during 2016. Monroe and Main has no record of a statement being returned from the [redacted]...
[redacted] at any time from May of 2015 through April of 2017. Moreover, Monroe and Main made multiple calls to Ms. [redacted] regarding payment of her account. Monroe and Main has no record of a conversation with Ms. [redacted] in which she indicated she was not receiving an account statement.
Ms. [redacted] account is currently linked to an affiliate account that was included in a bankruptcy filing in 2015. The bankruptcy is preventing the approval of any further purchases on Ms. [redacted] account. Seventh Avenue is working to correct this issue.
As stated in our guarantee, we will gladly make an adjustment for the merchandise amount for an item that has been returned to us because you changed your mind, it did not fit, or you did not like it. We received the tablet back and a credit for the merchandise amount of $199.99 was issued on...
12/29/17.
We would be happy to send an itemized statement that would reflect all purchases, return credits and finance charges if the customer would like.
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.you can close the matter. the rest of it will be handled by the courts!
[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,
[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,
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.] The reason I do not accept the response is because it is not about expedited shipping from Midnight Velvet. It is about Ginny's foul practices. The entire complaint is about that company and only that one within the Colony Brand. I have NO issues with the other companies. I would like to resolve the issue that is brought forth to Ginny's from Ginny's. I would appreciate a reasonable resolution to the issue. I thank everyone that is involved with trying to get this resolved. Please, contact me about the matter at the phone number that is included within my account. The complaint is due to the supposedly promotional credit that Sheila and I spoke about. To have a further detail about the matter, please read the complaint. I thank you for expediently handling this issue.
Regards,
Denise [redacted]
Every effort is made to provide the best service and highest quality possible. However, sometimes we make a mistake. Midnight Velvet appreciates your taking the time to bring this matter to our attention so that it can be addressed and corrected, as this is not a common occurrence. We sincerely...
apologize for the poor way in which your concerns were treated and want you to be assured it is not our practice to handle orders or customers in this manner.
Our investigation brought forth that it was our representative’s error. They had not followed proper Call Center Training Procedures when receiving the following customer’s call, and in error their order was put in your name. This is rare. We have forwarded this information to the proper departments for their immediate review and considerations. We have also addressed the situation with our representative who will receive additional training, so this does not occur in the future.
The Midnight Velvet order was canceled per your request on 4/15/2016. Your account was not compromised and no items were shipped from this order. You can be assured when submitting any payment either by check, credit or debit card, whether by phone or online, you will meet with professionalism. We are grateful for your understanding. Sincerely, Montgomery Ward
On June 20, 2017 an identity theft affidavit was mailed to Ms. [redacted] attention at: [redacted] Montgomery Ward looks forward to receiving the completed affidavit and working with Ms. [redacted] to resolve this issue.
Seventh Avenue offers its apologies to Ms. Spencer for her poor experience with a customer service agent. This complaint will be reviewed with the agent for retraining purposes.
It should be noted that the agent did request a shipping label be sent to Ms. Spencer's attention so that she could...
return the item at no cost. The Ginny's order placed in Ms. [redacted] name was canceled on the same day. The account was also referred to loss prevention for handling. The account will be credited in full upon receipt of the merchandise. In the interim, no payment will be due and no information will be furnished to the consumer reporting agencies regarding the 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.I have attached proof of payments being made and want the $160.00 credited to my account.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 3/30/2016 via internet. We are sorry to hear of any disappointment with the 10.1” Quad Core Tablet.
Our records indicate the conversation with our representative shows the screen had been...
accidentally cracked. Regardless of how this happened, we have as a one time courtesy extended our policy and issued a replacement tablet which should arrive about 9/30/16. Tracking information will be furnished to the email address on file. Free return labels have also been mailed to your physical address and should arrive within the next seven to ten days. Many times we can send them via email, however, the email address listed above does not match the data we have on file.
For future reference, it is an industry standard, if a product has arrived damaged it must be reported upon delivery. If you crack it, drop it, or it incurs any liquid/physical damage or misuse it after it was delivered, it will not be replaced. It is recommended to perform a factory reset so all personal information and data is removed, before returning or gifting any electronic device. Please refer to the product manual or manufacturer website for instructions, prior to the return of the cracked tablet.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Seventh Avenue
As indicated previously, Ms. [redacted]'s accounts were credited upon remittance of the funds by the collection agency handling her accounts. Ms. [redacted] paid the full balance on both accounts shortly before the payments from the collection agency were received. Ms. [redacted] then contacted the companies and demanded immediate updating of her account information reflecting that the accounts had been paid in full. This is 1) not legally required and 2) contrary to the companies' policies and procedures. Payments may be dishonored, canceled or otherwise reversed. Updating the account information immediately can provide a temporary illusion that a debt has been paid when it has not. Nonetheless, the companies complied with Ms. [redacted]'s request and the accounts have been updated to reflect as paid in full. As a result of Ms. [redacted]'s direct payments, each of the accounts now has a credit balance. The credit balances will be refunded to her in the next 2-3 weeks.
Ms. [redacted] had a fraud alert on her credit file at the time she opened her Ginny's and Seventh Avenue accounts. The companies' records indicate she was contacted in September of 2014 to verify her identity before the accounts were approved. It is the companies' position that Ms. [redacted]...
opened the accounts and is responsible for payment of the balances. Further, the companies' believe the information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the accounts.
Montgomery Ward regrets any inconvenience Ms. [redacted] may have experienced as a result of this matter. Ms. [redacted] charge card payments were processed in the same manner as all other payments received by Montgomery Ward. The payments submitted by Ms. [redacted] on April 4 and April 17, 2015 were...
processed successfully. All other payments were returned by Montgomery Ward's payment processor with a code stating "Do not honor." Unfortunately Montgomery Ward is unable to provide any additional information regarding the declined payments. As a courtesy, Montgomery Ward has credited Ms. [redacted] account to remove all late payment fees. Since the account was paid in full on May 20, 2015, the credit balance of $20 created by this adjustment will be refunded to Ms. [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]
Mr. [redacted] received notice of the returned payments on his account in the form of his monthly billing statement. All activity for the billing period is listed on each statement, including all returned payments, late payment fees and/or returned payment fees.
Seventh Avenue assumes Mr. [redacted] also receives a monthly account statement from his bank. Presumably the returned payments, along with any resulting fees, would have appeared on the appropriate statement. Regardless, Mr. [redacted] no longer has the option of paying his account via ACH.
Montgomery Ward and Seventh Avenue have routinely verified orders placed by Ms. [redacted] based on the instructions on her consumer credit report.
The companies have had consistent, repeated communications with Ms. [redacted] at the number listed on the complaint. In the past twelve months Ms....
[redacted] has requested accommodations on her accounts due to medical hardship, requested a due date change, made multiple payments and requested forbearance due to flooding in her area, all without ever disputing the balance on her account.
Additionally, it should be noted that all orders have been shipped to Ms. [redacted]’s attention at the address listed on the complaint, which matches the only address that has ever been listed in the account record.
Better Business...
Bureau:
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 all it shows on my credit report.Through the Country Door account # [redacted] $70.00 Regards,
[redacted]
Ms. [redacted]' account had the [redacted] as the billing address from May of 2015, when the account was opened, through April 3, 2017. Monroe and Main has no record of an address change at any time during 2016. Monroe and Main has no record of a statement being returned from the [redacted]...
[redacted] at any time from May of 2015 through April of 2017. Moreover, Monroe and Main made multiple calls to Ms. [redacted] regarding payment of her account. Monroe and Main has no record of a conversation with Ms. [redacted] in which she indicated she was not receiving an account statement.
Ms. [redacted] account is currently linked to an affiliate account that was included in a bankruptcy filing in 2015. The bankruptcy is preventing the approval of any further purchases on Ms. [redacted] account. Seventh Avenue is working to correct this issue.
As stated in our guarantee, we will gladly make an adjustment for the merchandise amount for an item that has been returned to us because you changed your mind, it did not fit, or you did not like it. We received the tablet back and a credit for the merchandise amount of $199.99 was issued on...
12/29/17.
We would be happy to send an itemized statement that would reflect all purchases, return credits and finance charges if the customer would like.
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.you can close the matter. the rest of it will be handled by the courts!
[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,
[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]
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.] The reason I do not accept the response is because it is not about expedited shipping from Midnight Velvet. It is about Ginny's foul practices. The entire complaint is about that company and only that one within the Colony Brand. I have NO issues with the other companies. I would like to resolve the issue that is brought forth to Ginny's from Ginny's. I would appreciate a reasonable resolution to the issue. I thank everyone that is involved with trying to get this resolved. Please, contact me about the matter at the phone number that is included within my account. The complaint is due to the supposedly promotional credit that Sheila and I spoke about. To have a further detail about the matter, please read the complaint. I thank you for expediently handling this issue.
Regards,
Denise [redacted]
Every effort is made to provide the best service and highest quality possible. However, sometimes we make a mistake. Midnight Velvet appreciates your taking the time to bring this matter to our attention so that it can be addressed and corrected, as this is not a common occurrence. We sincerely...
apologize for the poor way in which your concerns were treated and want you to be assured it is not our practice to handle orders or customers in this manner.
Our investigation brought forth that it was our representative’s error. They had not followed proper Call Center Training Procedures when receiving the following customer’s call, and in error their order was put in your name. This is rare. We have forwarded this information to the proper departments for their immediate review and considerations. We have also addressed the situation with our representative who will receive additional training, so this does not occur in the future.
The Midnight Velvet order was canceled per your request on 4/15/2016. Your account was not compromised and no items were shipped from this order. You can be assured when submitting any payment either by check, credit or debit card, whether by phone or online, you will meet with professionalism. We are grateful for your understanding. Sincerely, Montgomery Ward
On June 20, 2017 an identity theft affidavit was mailed to Ms. [redacted] attention at: [redacted] Montgomery Ward looks forward to receiving the completed affidavit and working with Ms. [redacted] to resolve this issue.
Seventh Avenue offers its apologies to Ms. Spencer for her poor experience with a customer service agent. This complaint will be reviewed with the agent for retraining purposes.
It should be noted that the agent did request a shipping label be sent to Ms. Spencer's attention so that she could...
return the item at no cost. The Ginny's order placed in Ms. [redacted] name was canceled on the same day. The account was also referred to loss prevention for handling. The account will be credited in full upon receipt of the merchandise. In the interim, no payment will be due and no information will be furnished to the consumer reporting agencies regarding the 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.I have attached proof of payments being made and want the $160.00 credited to my account.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 3/30/2016 via internet. We are sorry to hear of any disappointment with the 10.1” Quad Core Tablet.
Our records indicate the conversation with our representative shows the screen had been...
accidentally cracked. Regardless of how this happened, we have as a one time courtesy extended our policy and issued a replacement tablet which should arrive about 9/30/16. Tracking information will be furnished to the email address on file. Free return labels have also been mailed to your physical address and should arrive within the next seven to ten days. Many times we can send them via email, however, the email address listed above does not match the data we have on file.
For future reference, it is an industry standard, if a product has arrived damaged it must be reported upon delivery. If you crack it, drop it, or it incurs any liquid/physical damage or misuse it after it was delivered, it will not be replaced. It is recommended to perform a factory reset so all personal information and data is removed, before returning or gifting any electronic device. Please refer to the product manual or manufacturer website for instructions, prior to the return of the cracked tablet.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Seventh Avenue
As indicated previously, Ms. [redacted]'s accounts were credited upon remittance of the funds by the collection agency handling her accounts. Ms. [redacted] paid the full balance on both accounts shortly before the payments from the collection agency were received. Ms. [redacted] then contacted the companies and demanded immediate updating of her account information reflecting that the accounts had been paid in full. This is 1) not legally required and 2) contrary to the companies' policies and procedures. Payments may be dishonored, canceled or otherwise reversed. Updating the account information immediately can provide a temporary illusion that a debt has been paid when it has not. Nonetheless, the companies complied with Ms. [redacted]'s request and the accounts have been updated to reflect as paid in full. As a result of Ms. [redacted]'s direct payments, each of the accounts now has a credit balance. The credit balances will be refunded to her in the next 2-3 weeks.
Ms. [redacted] had a fraud alert on her credit file at the time she opened her Ginny's and Seventh Avenue accounts. The companies' records indicate she was contacted in September of 2014 to verify her identity before the accounts were approved. It is the companies' position that Ms. [redacted]...
opened the accounts and is responsible for payment of the balances. Further, the companies' believe the information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the accounts.
Montgomery Ward regrets any inconvenience Ms. [redacted] may have experienced as a result of this matter. Ms. [redacted] charge card payments were processed in the same manner as all other payments received by Montgomery Ward. The payments submitted by Ms. [redacted] on April 4 and April 17, 2015 were...
processed successfully. All other payments were returned by Montgomery Ward's payment processor with a code stating "Do not honor." Unfortunately Montgomery Ward is unable to provide any additional information regarding the declined payments. As a courtesy, Montgomery Ward has credited Ms. [redacted] account to remove all late payment fees. Since the account was paid in full on May 20, 2015, the credit balance of $20 created by this adjustment will be refunded to Ms. [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]