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.
Ms. [redacted] made payments on multiple accounts on February 18, 2015 which were returned unpaid. Ms. [redacted] called on March 9, 2015 regarding this issue. A supervisor reviewed a recording of the call and determined that Ms. [redacted] had provided an incorrect routing number for her bank, causing the...
payments to be returned without being processed. Ms. [redacted] was informed of this finding and was invited to make her account payments using another method. Ms. [redacted] instead chose to stop making payments on her accounts, all of which were eventually charged off as a loss. Unfortunately the charge off of the accounts cannot be reversed. If Ms. [redacted] wishes to make payments on the accounts she can contact the collection agencies to which they were referred.
Monroe and Main's records indicate Ms. [redacted] was pre-screened in December of 2015 and was sent a pre-approved credit offer during the spring 2016 mailing season. The pre-approved offer expired on June 30, 2016. Monroe & Main has no record of an account under the name [redacted] in area code...
[redacted], let alone a charged off account in the name of [redacted]. Please note that pre-screen inquiries are not visible to other creditors and do not impact a consumer's credit score.
[redacted] ATTENTION [redacted]Your e-mail is being returned to you because there was a problem with its delivery. The reason your mail is being returned to you is listed in the section labeled: "----- The delivery status notification errors -----".The line beginning with "Diagnostic-Code:" describes...
the specific reason your e-mail could not be delivered. The following lines contains the RFC822 header of the original email message.Please direct further questions regarding this message to your e-mail administrator.--AOL Postmaster----- The delivery status notification errors -----<[redacted] Your mail could not be delivered because the recipient is only accepting mail from specific email addresses. If you feel you received this in error, please contact the recipient directly and ask them to check their email settings. (in reply to end of DATA command)[redacted]
Original-Recipient: [redacted]Action: failedStatus: 5.7.1Remote-MTA: dns; lmtp.mail.aol.comDiagnostic-Code: smtp; 554 5.7.1 Your mail could not be delivered because the recipient is only accepting mail from specific email addresses. If you feel you received this in error, please contact the recipient directly and ask them to check their email settings.
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]
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]
Ms. [redacted] has not been pre-screened and does not have a pre-approved credit limit with any company. At this time Ms. [redacted]'s repeated applications for credit are counterproductive, in that the cumulative total of open orders is used in the approval process (orders that are pending a down payment...
request are considered open). If Ms. [redacted] wishes to establish credit with one or more Colony Brands affiliates she would be best served to open one account by making the requested down payment on one of her existing orders account and then making regular, timely payments on the account.
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] placed an order with Monroe and Main on November 25, 2015 in the amount of $538.12, which was approved for shipment, on account number XXX-XXX-[redacted]. However, on December 3, 2015 Ms. [redacted] placed an order via the internet using account number XXX-XXX-[redacted]. Unfortunately, Ms....
[redacted] pre-approved limits are not associated with that account number. In fact, no limits are attached to that account number, which resulted in Monroe and Main requesting a consumer credit report and a request for a down payment prior to shipping the order. Ms. [redacted] pre-approved limits remain in place on her existing account. Monroe and Main regrets an inconvenience Ms. [redacted] may have experienced as a result of this matter.
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 may have gotten the date wrong it may have been on on 05/04/2015, most assuredly is was between 05/04/2015 and 05/15/2015 and I'm sure they have the records of me contacting each one that day. After I spoke with the lady-supervisor on all 3 of the accounts(Wards, Ginny's, & Home At Five), she assured/promised me that it would be removed from my credit report. She said she understood why I didn't want to file the stolen ID report since it was one of my children. After going into full details of what happened and the health situation we were in at that time when the accounts were taken out in my name. She said it had already been sold to 3 different collection agencies and she couldn't stop that part but give me phone numbers to each and told me they might work something out with me, just tell them she had me to call and explain the whole story to them. As stated she promised me that from Colony Brands stand point that all negative remarks would be removed from my credit report quickly. I'm sorry that I threw the lady's name away after she given it to me to use as a reference to each collection agency. I understand that when I found out about these accounts it was already sold and nothing can be done about that (I suppose?). I just want it removed from my credit report at all 3 credit reporting bureaus. It's a simple task for them to finish what they promised they would do. If this was solely on me and I actually opened the accounts then I would never even consider asking them to do this, BUT I didn't. It's not harming them or costing them anything to do this and it helps me get a second mortgage so I can payoff these debts, and put roof on my home. As stated to the lady/supervisor both my wife and I are 100% disabled and live on a fixed income and if I hadn't been turned down for trying to get the second mortgage and then pulling my credit report, I wouldn't even known about these accounts. So if they help me by doing as they promised, and removing the negative reports from my credit report at all 3 bureaus them I should be able to get the second mortgage and in return the accounts will be paid off as well, even through their not mine, but since my child did this I will still pay them off. [redacted]
Seventh Avenue's records indicate four orders have been placed on Ms. [redacted]'s account since March of 2013, in the amounts of $258. $30, $283, and $47. Items ordered include a 7" tablet, a chair, and a set of headphones. All of the items were shipped to the billing address on the account and...
all purchases were reflected in the monthly billing statements sent to Ms. [redacted]'s attention. Ms. [redacted] has made consistent, timely payments for the entire time the account has been open, and Seventh Avenue has no record of any previous dispute on the account.
Seventh Avenue has mailed an identity theft affidavit to Ms. [redacted] and will attempt to reach her by phone at the number provided in the complaint.
Seventh Avenue has sent an identity theft affidavit to Ms. [redacted] attention for her to complete and return. Seventh Avenue anticipates concluding its investigation shortly after receiving the completed affidavit. Please note that, contrary to Ms. [redacted] assertion, the information...
received on the order included a social security number.
Montgomery Ward’s records indicate Ms. [redacted] made a purchase that was posted to her credit account on December 23, 2015. The first payment of $20 on her account was due on or before January 25, 2016. No payment was received by the due date. As a result, a billing statement was prepared on or about...
January 27, 2016 that reflected a Minimum Amount Due of $40 (the past due payment plus the scheduled payment for February).
A payment of $25 was received and posted to her account on February 2, 2016, leaving an additional payment of $15 due on or before February 25, 2016. Again, the required payment was not received by the due date. A payment of $20 was received on March 5, 2016, leaving an additional $25 due on or before March 25, 2016 (Ms. [redacted] made a second purchase in February that increased her scheduled payment to $25). The required payment was not received by the due date and, once again, a statement was sent to Ms. [redacted] indicating the need to pay the current payment and the past due amount. No payment was received and, as a result, on or about April 27, 2016, a statement was sent to Ms. [redacted] indicating a Minimum Amount Due of $70, consisting of a past due payments totaling $45 and the current payment of $25.
As a courtesy to Ms. [redacted], Montgomery Ward has credited her account to remove two late payment fees. This adjustment will appear on her next monthly billing statement.
Further, Montgomery Ward will cease calling Ms. [redacted] regarding the collection of her account. However, the balance remains due and payable. Ms. [redacted] should be aware that failure to pay the outstanding balance will result in the assessment of finance charges and late payments fees and may result in other adverse consequences.
If Ms. [redacted] has reported this incident to the police, Home at Five would appreciate receiving a copy of the police report to assist in resolving this matter as quickly as possible. Please note that Home at Five will not be contacting the FBI or any other law enforcement agency regarding the...
possibility that someone is breaking into Ms. [redacted] mail box.
We received the correspondence from the Revdex.com regarding requests for a catalog and promotional email. Thank you for requesting the Seventh Avenue catalog. We appreciate your notifying us that a catalog has not been received, and apologize for any...
disappointment.
Occasionally there are problems with delivery. Our records did not indicate the same address as listed on the complaint, so it is entirely possible the catalog may have been sent to an incorrect address. Normal delivery for a catalog request can be from seven to twenty one days. At times there is the possibility that we are out of catalogs and may not be able to send one until the next issue is printed. We are in the process of manually sending a catalog to you, please allow seven to ten business days for delivery. In the interim, please feel free to view our catalog site seventhavenue.com. You may place an order online, or contact us toll free @ 800-218-3945 for assistance twenty four hours a day.
Promotional emails are sent periodically. Since the confirmation email had been received, rest assured, they will arrive when upcoming promotional information is sent. Please feel free to check your spam folder, just in case.
We have forwarded your information to the proper departments for their further investigation and review. We appreciate your understanding and are grateful for your understanding. Sincerely, Seventh Avenue
[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]
Home at five received an internet order on March 8, 2015 and that included a request for extension of credit. Home at five opened a credit account in accordance with the information provided on the order. No one from Home at five reviewed, edited or altered the information entered by the...
consumer. Home at five's records indicate Ms. [redacted] called on June 5, 2015 to indicate the order was placed on the wrong account. There is no indication in the notes that Ms. [redacted] was told the purchase could not be moved to her account. Nonetheless, Ms. [redacted] chose to pay the account balance in full via internet payment on the same day. As a courtesy to Ms. [redacted], Home at five has credited the account to remove the previously assessed late fee and finance charges. However, since the account remains in the name of [redacted], the refund will be issued in her name. Home at five has closed the account to new purchases.
Ms. [redacted] was mailed an identity theft affidavit on February 5, 2015, which she has failed to complete and return. Based on the information currently available, Ashro has a reasonable basis for believing the account was opened by Ms. [redacted] and that she is responsible for payment of the balance....
Ashro will investigate this matter further upon receipt of additional information or documentation from Ms. [redacted].
As stated previously, the second account, ending in [redacted], was not opened until January of 2015, thus the only months in which this issue could have arisen were February and March of 2015. Also, as previously noted, the account was opened in the name [redacted] via the internet, using the information supplied by the consumer at the time the account was opened. The name on the account ending in [redacted] was changed to [redacted] in October of 2014. That change, however, had nothing to do with the establishment of the new account in the name of [redacted]. Since Ms. [redacted] has acknowledged that both accounts are hers, Ashro will join the accounts into one so that she will receive only one billing statement.
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.
Ms. [redacted] made payments on multiple accounts on February 18, 2015 which were returned unpaid. Ms. [redacted] called on March 9, 2015 regarding this issue. A supervisor reviewed a recording of the call and determined that Ms. [redacted] had provided an incorrect routing number for her bank, causing the...
payments to be returned without being processed. Ms. [redacted] was informed of this finding and was invited to make her account payments using another method. Ms. [redacted] instead chose to stop making payments on her accounts, all of which were eventually charged off as a loss. Unfortunately the charge off of the accounts cannot be reversed. If Ms. [redacted] wishes to make payments on the accounts she can contact the collection agencies to which they were referred.
Monroe and Main's records indicate Ms. [redacted] was pre-screened in December of 2015 and was sent a pre-approved credit offer during the spring 2016 mailing season. The pre-approved offer expired on June 30, 2016. Monroe & Main has no record of an account under the name [redacted] in area code...
[redacted], let alone a charged off account in the name of [redacted]. Please note that pre-screen inquiries are not visible to other creditors and do not impact a consumer's credit score.
[redacted] ATTENTION [redacted]Your e-mail is being returned to you because there was a problem with its delivery. The reason your mail is being returned to you is listed in the section labeled: "----- The delivery status notification errors -----".The line beginning with "Diagnostic-Code:" describes...
the specific reason your e-mail could not be delivered. The following lines contains the RFC822 header of the original email message.Please direct further questions regarding this message to your e-mail administrator.--AOL Postmaster----- The delivery status notification errors -----<[redacted] Your mail could not be delivered because the recipient is only accepting mail from specific email addresses. If you feel you received this in error, please contact the recipient directly and ask them to check their email settings. (in reply to end of DATA command)[redacted]
Original-Recipient: [redacted]Action: failedStatus: 5.7.1Remote-MTA: dns; lmtp.mail.aol.comDiagnostic-Code: smtp; 554 5.7.1 Your mail could not be delivered because the recipient is only accepting mail from specific email addresses. If you feel you received this in error, please contact the recipient directly and ask them to check their email settings.
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]
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]
Ms. [redacted] has not been pre-screened and does not have a pre-approved credit limit with any company. At this time Ms. [redacted]'s repeated applications for credit are counterproductive, in that the cumulative total of open orders is used in the approval process (orders that are pending a down payment...
request are considered open). If Ms. [redacted] wishes to establish credit with one or more Colony Brands affiliates she would be best served to open one account by making the requested down payment on one of her existing orders account and then making regular, timely payments on the account.
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] placed an order with Monroe and Main on November 25, 2015 in the amount of $538.12, which was approved for shipment, on account number XXX-XXX-[redacted]. However, on December 3, 2015 Ms. [redacted] placed an order via the internet using account number XXX-XXX-[redacted]. Unfortunately, Ms....
[redacted] pre-approved limits are not associated with that account number. In fact, no limits are attached to that account number, which resulted in Monroe and Main requesting a consumer credit report and a request for a down payment prior to shipping the order. Ms. [redacted] pre-approved limits remain in place on her existing account. Monroe and Main regrets an inconvenience Ms. [redacted] may have experienced as a result of this matter.
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 may have gotten the date wrong it may have been on on 05/04/2015, most assuredly is was between 05/04/2015 and 05/15/2015 and I'm sure they have the records of me contacting each one that day. After I spoke with the lady-supervisor on all 3 of the accounts(Wards, Ginny's, & Home At Five), she assured/promised me that it would be removed from my credit report. She said she understood why I didn't want to file the stolen ID report since it was one of my children. After going into full details of what happened and the health situation we were in at that time when the accounts were taken out in my name. She said it had already been sold to 3 different collection agencies and she couldn't stop that part but give me phone numbers to each and told me they might work something out with me, just tell them she had me to call and explain the whole story to them. As stated she promised me that from Colony Brands stand point that all negative remarks would be removed from my credit report quickly. I'm sorry that I threw the lady's name away after she given it to me to use as a reference to each collection agency. I understand that when I found out about these accounts it was already sold and nothing can be done about that (I suppose?). I just want it removed from my credit report at all 3 credit reporting bureaus. It's a simple task for them to finish what they promised they would do. If this was solely on me and I actually opened the accounts then I would never even consider asking them to do this, BUT I didn't. It's not harming them or costing them anything to do this and it helps me get a second mortgage so I can payoff these debts, and put roof on my home. As stated to the lady/supervisor both my wife and I are 100% disabled and live on a fixed income and if I hadn't been turned down for trying to get the second mortgage and then pulling my credit report, I wouldn't even known about these accounts. So if they help me by doing as they promised, and removing the negative reports from my credit report at all 3 bureaus them I should be able to get the second mortgage and in return the accounts will be paid off as well, even through their not mine, but since my child did this I will still pay them off. [redacted]
Seventh Avenue's records indicate four orders have been placed on Ms. [redacted]'s account since March of 2013, in the amounts of $258. $30, $283, and $47. Items ordered include a 7" tablet, a chair, and a set of headphones. All of the items were shipped to the billing address on the account and...
all purchases were reflected in the monthly billing statements sent to Ms. [redacted]'s attention. Ms. [redacted] has made consistent, timely payments for the entire time the account has been open, and Seventh Avenue has no record of any previous dispute on the account.
Seventh Avenue has mailed an identity theft affidavit to Ms. [redacted] and will attempt to reach her by phone at the number provided in the complaint.
Seventh Avenue has sent an identity theft affidavit to Ms. [redacted] attention for her to complete and return. Seventh Avenue anticipates concluding its investigation shortly after receiving the completed affidavit. Please note that, contrary to Ms. [redacted] assertion, the information...
received on the order included a social security number.
Montgomery Ward’s records indicate Ms. [redacted] made a purchase that was posted to her credit account on December 23, 2015. The first payment of $20 on her account was due on or before January 25, 2016. No payment was received by the due date. As a result, a billing statement was prepared on or about...
January 27, 2016 that reflected a Minimum Amount Due of $40 (the past due payment plus the scheduled payment for February).
A payment of $25 was received and posted to her account on February 2, 2016, leaving an additional payment of $15 due on or before February 25, 2016. Again, the required payment was not received by the due date. A payment of $20 was received on March 5, 2016, leaving an additional $25 due on or before March 25, 2016 (Ms. [redacted] made a second purchase in February that increased her scheduled payment to $25). The required payment was not received by the due date and, once again, a statement was sent to Ms. [redacted] indicating the need to pay the current payment and the past due amount. No payment was received and, as a result, on or about April 27, 2016, a statement was sent to Ms. [redacted] indicating a Minimum Amount Due of $70, consisting of a past due payments totaling $45 and the current payment of $25.
As a courtesy to Ms. [redacted], Montgomery Ward has credited her account to remove two late payment fees. This adjustment will appear on her next monthly billing statement.
Further, Montgomery Ward will cease calling Ms. [redacted] regarding the collection of her account. However, the balance remains due and payable. Ms. [redacted] should be aware that failure to pay the outstanding balance will result in the assessment of finance charges and late payments fees and may result in other adverse consequences.
If Ms. [redacted] has reported this incident to the police, Home at Five would appreciate receiving a copy of the police report to assist in resolving this matter as quickly as possible. Please note that Home at Five will not be contacting the FBI or any other law enforcement agency regarding the...
possibility that someone is breaking into Ms. [redacted] mail box.
We received the correspondence from the Revdex.com regarding requests for a catalog and promotional email. Thank you for requesting the Seventh Avenue catalog. We appreciate your notifying us that a catalog has not been received, and apologize for any...
disappointment.
Occasionally there are problems with delivery. Our records did not indicate the same address as listed on the complaint, so it is entirely possible the catalog may have been sent to an incorrect address. Normal delivery for a catalog request can be from seven to twenty one days. At times there is the possibility that we are out of catalogs and may not be able to send one until the next issue is printed. We are in the process of manually sending a catalog to you, please allow seven to ten business days for delivery. In the interim, please feel free to view our catalog site seventhavenue.com. You may place an order online, or contact us toll free @ 800-218-3945 for assistance twenty four hours a day.
Promotional emails are sent periodically. Since the confirmation email had been received, rest assured, they will arrive when upcoming promotional information is sent. Please feel free to check your spam folder, just in case.
We have forwarded your information to the proper departments for their further investigation and review. We appreciate your understanding and are grateful for your understanding. Sincerely, Seventh Avenue
[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]
Home at five received an internet order on March 8, 2015 and that included a request for extension of credit. Home at five opened a credit account in accordance with the information provided on the order. No one from Home at five reviewed, edited or altered the information entered by the...
consumer. Home at five's records indicate Ms. [redacted] called on June 5, 2015 to indicate the order was placed on the wrong account. There is no indication in the notes that Ms. [redacted] was told the purchase could not be moved to her account. Nonetheless, Ms. [redacted] chose to pay the account balance in full via internet payment on the same day. As a courtesy to Ms. [redacted], Home at five has credited the account to remove the previously assessed late fee and finance charges. However, since the account remains in the name of [redacted], the refund will be issued in her name. Home at five has closed the account to new purchases.
Ms. [redacted] was mailed an identity theft affidavit on February 5, 2015, which she has failed to complete and return. Based on the information currently available, Ashro has a reasonable basis for believing the account was opened by Ms. [redacted] and that she is responsible for payment of the balance....
Ashro will investigate this matter further upon receipt of additional information or documentation from Ms. [redacted].
As stated previously, the second account, ending in [redacted], was not opened until January of 2015, thus the only months in which this issue could have arisen were February and March of 2015. Also, as previously noted, the account was opened in the name [redacted] via the internet, using the information supplied by the consumer at the time the account was opened. The name on the account ending in [redacted] was changed to [redacted] in October of 2014. That change, however, had nothing to do with the establishment of the new account in the name of [redacted]. Since Ms. [redacted] has acknowledged that both accounts are hers, Ashro will join the accounts into one so that she will receive only one billing statement.