Mr. [redacted] does not have a credit account with Seventh Avenue. Mr. [redacted] was mailed a Seventh Avenue catalog that included an invitation to apply for a credit account. Upon receipt of his order and request for an extension of credit, Seventh Avenue evaluated Mr. [redacted]'s creditworthiness and...
determined that it could not grant his request for credit in its entirety. Instead, Seventh Avenue offered to open a credit account for Mr. [redacted] if he paid a portion of his order in advance. Upon receipt of the requested payment Seventh Avenue would ship the merchandise Mr. [redacted] ordered and open an account in his name, posting the unpaid balance of the order to his new credit account. Mr. [redacted] would then have the opportunity to earn increases in his credit limit by making regular, timely payments on his account.
Mr. [redacted] opened his account in December of 2013. The information provided at account opening included Mr. [redacted]’ name, address, and email address, match the information included on the complaint. Moreover, Seventh Avenue has previously mailed an identity theft affidavit to Mr. [redacted]’ attention for...
him to complete sign and return. He has not done so. Seventh Avenue’s records indicate a second affidavit was mailed to his attention on February 3, 2017. Seventh Avenue will investigate this matter further if and when the affidavit in returned. In the interim, the information available establishes a reasonable basis for believing that Mr. [redacted] opened the account and is responsible for payment of the balance. Thanks, Matt
Ms. [redacted] was pre-screened to receive a pre-approved credit
offer from Home at Five. The promotional
materials for this offer state:
Home @ five
credit
UP TO
$400
Credit orders are subject to final
credit approval. See terms
of credit and pre-approved offer on the...
back of the order
form.
Please note the highlighted text. It 1.)does not indicate
that Ms. [redacted] was pre-approved for a $400 credit limit: 2.) clearly indicates
her credit order is subject to approval and 3.) refers the consumer to the
terms of the offer on the back of the order form.
Ms. [redacted] placed an order with Home at Five on April 14,
2015. The amount of the order exceeded $400. After reviewing Ms. [redacted] credit
history, Home at Five offered to open an account for her if she remitted a down
payment equal to 1/3 of her order total. Had she made the down payment, an
account would have been opened in Ms. [redacted] name and the unpaid balance of her
order would have been charged to the account. As a result, she would have
received an extension of credit between $100 (the minimum limit listed in the
terms of the offer) and the upper limit of $400 listed on the promotional materials.
Finally, it should be noted that a creditor has the right,
under the FCRA, to review the credit history of any consumer who responds to a
pre-approved offer and to revoke the offer if the review indicates the consumer
no longer meets the criteria established for the offer.
A letter indicating Ms. [redacted] settled her delinquent account for less than the full balance was faxed to her attention on April 18, 2016 and a hard copy was mailed to her attention. The information regarding the settlement of her account will be furnished to the consumer reporting agencies as...
[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]
Seventh Avenue considers its policies and procedures to be reasonable for the size and nature of its business activities. Seventh Avenue regrets any inconvenience Mr. [redacted] may have experienced as a result of this matter.
We received the correspondence from the RevDex.com in regards to orders placed 11/19/2015 by [redacted]. We sincerely
apologize for any disappointment and inconvenience caused by our
representatives. We want you to know the errors that occurred were not
intentional and we...
are taking steps to address the representatives
involved. They will receive additional training on customer focused
communications and adjustments.
[redacted]’s account has been billed for the order and has been adjusted in the amount of $53 for the sale price of
the Prime Rib. Just as local
merchants offer sales on a regular basis, our companies may offer the value pricing for a limited period of time. Since [redacted] had already had her
order in place we will gladly adjust [redacted]’s account to meet the sale
price. We regret your shopping experience was not as expected. We
appreciate the opportunity to explain and look forward to serving you better in
the future.
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.]
Oh I'm so scared....what you gonna do? Nothing....lol. Good lck getting yor money...it'll come 1.00 a month....hahahahaha.
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 11/25/2015 via mail. We apologize for any disappointment with the Furniture Protectors.
Our records indicate the prompt return of the Lodge Furniture Protectors due to just not...
fitting. We regret it was an error on our part credit was issued for the Recliner Protector only in the amount of $44.95 and we missed the Sofa Protector. Per your call on 9/22/15 it was brought to our attention and credit of $69.95 was issued. We regret it was missed when the original processing was completed in December. We have also issued credit for the original shipping and processing and will remove any finance charges and late fees from your account, reducing the account to a zero balance within the next twenty four to seventy two hours. Shipping and processing information is listed on the order blank in the center of the catalog or on line under Customer Service. It 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.
We apologize, and appreciate the opportunity to explain. We hope you’ll allow us another chance to serve you better in the future. Sincerely, Seventh Avenue
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.]
They have said they are sending a fraud package on two different occasions but have not done so. I cannot force someone to admit that they committed fraud. If they'll send the package I would be more than happy to complete the package. I would like that the fraud package be sent certified so that I can track it. Seventh Avenue is trying to Bill me for 122 dollars on merchandise they claim they have not even mailed. We do not want the merchandise but they should not be trying to charge me for something I didn't order or they haven't sent.
Regards,
[redacted]
The accounts referred to in the complaint were coded as fraud on January 22, 2016 and Ms. [redacted] was notified of that action in writing. No information regarding the accounts will appear on her consumer credit report.
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 3/20/2016 for the Opposites Attract Suit. We are sorry we disappointed you.
Firstly, we apologize that we were unable to obtain additional stock of the suit to satisfy our customers.
In...
the efforts to assist with the adjustments requested, errors occurred. It was a system error that billed your card for $109.99. This information has been forwarded to the proper department for their review, which in turn was credited in full 9/28/2016. While completing the investigation it was noted you also made payment for the suit in the amount of $93.49 (109.99- 16.50 discount = 93.49) received 4/18/2016. We have issued a request for the refund check to be sent within the next seven to fourteen days.
We have built our success with satisfied customers, and regret any inconvenience we may have caused. We hope you’ll allow us another opportunity to serve you better in the future. Sincerely, Monroe & Main
As a courtesy to Ms. [redacted], Seventh Avenue and Ginny's have coded her account records to request deletion of the account information from her consumer credit file. This request will be transmitted as part of the companies next regular update to the consumer reporting agencies and may take 30 days...
to appear on a consumer credit report, depending on the update schedule for the various agencies.
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 10/9/2015 via internet. We are sorry the Pumpkin Wreath [redacted] was no longer available for purchase. We make every effort to provide the best service and highest quality possible, however,...
sometimes circumstances are beyond our control. It is difficult to determine how popular an item will be when creating our catalog and unfortunately the wreaths popularity and supplier inventory were unable to meet demand. A notice was sent in this regard on 10/20/2015. We also noted an additional [redacted] which is available and is very similar , yet listed with a different identifying code and price. It is a darker, more Rust colored Pumpkin with Red & Green Leaves. Records indicate an order was started and deleted prior to completion 10/20/2015.
Please accept our apologies for any problems you have experienced in placing an order. The previous accounts included in bankruptcy cause any new orders to be automatically declined by the system, which is why you have been asked to place all orders by telephone. We are sorry to for any inconvenience, but appreciate the opportunity to explain. Sincerely, Seventh Avenue
Montgomery Ward believes its previous response was completely self explanatory. Ms. [redacted] may cooperate with Ward's investigation of her claim or not, as she chooses.
Home at Five apologizes for the delay on responding to
Mr. [redacted] request for a credit limit increase. Home at Five will also not
be increasing Mr. [redacted] credit limit. Please note, however that this
decision is not based on Mr. [redacted] credit or payment history, but on
planned...
changes to the Home at Five business. These changes are scheduled to be
announced on the Home at Five web site on February 24, 2016.
An identity theft affidavit was mailed to Ms. [redacted] in January, but was never returned. The account at issue was opened in August of 2013 and features multiple purchases and payments. Based on the information currently available, Seventh Avenue has a reasonable basis for believing the information it...
has furnished to the consumer reporting agencies is correct. Seventh Avenue will investigate further upon receipt of additional information or documentation from Ms. [redacted].
Mr. [redacted] does not have a credit account with Seventh Avenue. Mr. [redacted] was mailed a Seventh Avenue catalog that included an invitation to apply for a credit account. Upon receipt of his order and request for an extension of credit, Seventh Avenue evaluated Mr. [redacted]'s creditworthiness and...
determined that it could not grant his request for credit in its entirety. Instead, Seventh Avenue offered to open a credit account for Mr. [redacted] if he paid a portion of his order in advance. Upon receipt of the requested payment Seventh Avenue would ship the merchandise Mr. [redacted] ordered and open an account in his name, posting the unpaid balance of the order to his new credit account. Mr. [redacted] would then have the opportunity to earn increases in his credit limit by making regular, timely payments on his account.
Mr. [redacted] opened his account in December of 2013. The information provided at account opening included Mr. [redacted]’ name, address, and email address, match the information included on the complaint. Moreover, Seventh Avenue has previously mailed an identity theft affidavit to Mr. [redacted]’ attention for...
him to complete sign and return. He has not done so. Seventh Avenue’s records indicate a second affidavit was mailed to his attention on February 3, 2017. Seventh Avenue will investigate this matter further if and when the affidavit in returned. In the interim, the information available establishes a reasonable basis for believing that Mr. [redacted] opened the account and is responsible for payment of the balance. Thanks, Matt
Ms. [redacted] was pre-screened to receive a pre-approved credit
offer from Home at Five. The promotional
materials for this offer state:
Home @ five
credit
UP TO
$400
Credit orders are subject to final
credit approval. See terms
of credit and pre-approved offer on the...
back of the order
form.
Please note the highlighted text. It 1.)does not indicate
that Ms. [redacted] was pre-approved for a $400 credit limit: 2.) clearly indicates
her credit order is subject to approval and 3.) refers the consumer to the
terms of the offer on the back of the order form.
Ms. [redacted] placed an order with Home at Five on April 14,
2015. The amount of the order exceeded $400. After reviewing Ms. [redacted] credit
history, Home at Five offered to open an account for her if she remitted a down
payment equal to 1/3 of her order total. Had she made the down payment, an
account would have been opened in Ms. [redacted] name and the unpaid balance of her
order would have been charged to the account. As a result, she would have
received an extension of credit between $100 (the minimum limit listed in the
terms of the offer) and the upper limit of $400 listed on the promotional materials.
Finally, it should be noted that a creditor has the right,
under the FCRA, to review the credit history of any consumer who responds to a
pre-approved offer and to revoke the offer if the review indicates the consumer
no longer meets the criteria established for the offer.
A letter indicating Ms. [redacted] settled her delinquent account for less than the full balance was faxed to her attention on April 18, 2016 and a hard copy was mailed to her attention. The information regarding the settlement of her account will be furnished to the consumer reporting agencies as...
part of Midnight Velvet's next regular update.
[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]
Seventh Avenue considers its policies and procedures to be reasonable for the size and nature of its business activities. Seventh Avenue regrets any inconvenience Mr. [redacted] may have experienced as a result of this matter.
We received the correspondence from the RevDex.com in regards to orders placed 11/19/2015 by [redacted]. We sincerely
apologize for any disappointment and inconvenience caused by our
representatives. We want you to know the errors that occurred were not
intentional and we...
are taking steps to address the representatives
involved. They will receive additional training on customer focused
communications and adjustments.
[redacted]’s account has been billed for the order and has been adjusted in the amount of $53 for the sale price of
the Prime Rib. Just as local
merchants offer sales on a regular basis, our companies may offer the value pricing for a limited period of time. Since [redacted] had already had her
order in place we will gladly adjust [redacted]’s account to meet the sale
price. We regret your shopping experience was not as expected. We
appreciate the opportunity to explain and look forward to serving you better in
the future.
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.]
Oh I'm so scared....what you gonna do? Nothing....lol. Good lck getting yor money...it'll come 1.00 a month....hahahahaha.
Regards,
[redacted]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 11/25/2015 via mail. We apologize for any disappointment with the Furniture Protectors.
Our records indicate the prompt return of the Lodge Furniture Protectors due to just not...
fitting. We regret it was an error on our part credit was issued for the Recliner Protector only in the amount of $44.95 and we missed the Sofa Protector. Per your call on 9/22/15 it was brought to our attention and credit of $69.95 was issued. We regret it was missed when the original processing was completed in December. We have also issued credit for the original shipping and processing and will remove any finance charges and late fees from your account, reducing the account to a zero balance within the next twenty four to seventy two hours. Shipping and processing information is listed on the order blank in the center of the catalog or on line under Customer Service. It 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.
We apologize, and appreciate the opportunity to explain. We hope you’ll allow us another chance to serve you better in the future. Sincerely, Seventh Avenue
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.]
They have said they are sending a fraud package on two different occasions but have not done so. I cannot force someone to admit that they committed fraud. If they'll send the package I would be more than happy to complete the package. I would like that the fraud package be sent certified so that I can track it. Seventh Avenue is trying to Bill me for 122 dollars on merchandise they claim they have not even mailed. We do not want the merchandise but they should not be trying to charge me for something I didn't order or they haven't sent.
Regards,
[redacted]
The accounts referred to in the complaint were coded as fraud on January 22, 2016 and Ms. [redacted] was notified of that action in writing. No information regarding the accounts will appear on her consumer credit report.
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 3/20/2016 for the Opposites Attract Suit. We are sorry we disappointed you.
Firstly, we apologize that we were unable to obtain additional stock of the suit to satisfy our customers.
In...
the efforts to assist with the adjustments requested, errors occurred. It was a system error that billed your card for $109.99. This information has been forwarded to the proper department for their review, which in turn was credited in full 9/28/2016. While completing the investigation it was noted you also made payment for the suit in the amount of $93.49 (109.99- 16.50 discount = 93.49) received 4/18/2016. We have issued a request for the refund check to be sent within the next seven to fourteen days.
We have built our success with satisfied customers, and regret any inconvenience we may have caused. We hope you’ll allow us another opportunity to serve you better in the future. Sincerely, Monroe & Main
As a courtesy to Ms. [redacted], Seventh Avenue and Ginny's have coded her account records to request deletion of the account information from her consumer credit file. This request will be transmitted as part of the companies next regular update to the consumer reporting agencies and may take 30 days...
to appear on a consumer credit report, depending on the update schedule for the various agencies.
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 10/9/2015 via internet. We are sorry the Pumpkin Wreath [redacted] was no longer available for purchase. We make every effort to provide the best service and highest quality possible, however,...
sometimes circumstances are beyond our control. It is difficult to determine how popular an item will be when creating our catalog and unfortunately the wreaths popularity and supplier inventory were unable to meet demand. A notice was sent in this regard on 10/20/2015. We also noted an additional [redacted] which is available and is very similar , yet listed with a different identifying code and price. It is a darker, more Rust colored Pumpkin with Red & Green Leaves. Records indicate an order was started and deleted prior to completion 10/20/2015.
Please accept our apologies for any problems you have experienced in placing an order. The previous accounts included in bankruptcy cause any new orders to be automatically declined by the system, which is why you have been asked to place all orders by telephone. We are sorry to for any inconvenience, but appreciate the opportunity to explain. Sincerely, Seventh Avenue
As previously stated, we have credited Mr. [redacted] account to reflect a zero balance.
Montgomery Ward believes its previous response was completely self explanatory. Ms. [redacted] may cooperate with Ward's investigation of her claim or not, as she chooses.
Home at Five apologizes for the delay on responding to
Mr. [redacted] request for a credit limit increase. Home at Five will also not
be increasing Mr. [redacted] credit limit. Please note, however that this
decision is not based on Mr. [redacted] credit or payment history, but on
planned...
changes to the Home at Five business. These changes are scheduled to be
announced on the Home at Five web site on February 24, 2016.
An identity theft affidavit was mailed to Ms. [redacted] in January, but was never returned. The account at issue was opened in August of 2013 and features multiple purchases and payments. Based on the information currently available, Seventh Avenue has a reasonable basis for believing the information it...
has furnished to the consumer reporting agencies is correct. Seventh Avenue will investigate further upon receipt of additional information or documentation from Ms. [redacted].