Mr. [redacted] has placed numerous orders and applied for credit to purchase the items he ordered. His requests for extensions of credit have not been approved. Mr. [redacted] has been sent the appropriate notices regarding the decline of his applications for credit.
The account opened in Ms. [redacted] name was coded as fraud on December 13, 2015. There is no need for Ms. [redacted] to complete an identity theft affidavit or submit a police report to Ginny's. No information regarding the account has been furnished to a consumer reporting agency.
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 1/20/2016 via phone. We are sorry for any confusion with the returns processing of your order.
Your account was promptly credited $279.96 2/19/2016 for merchandise returned. Shipping and...
processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind or the item did not fit. The Midnight Velvet guarantee is listed on the order blank in the center of the catalog or online under Customer Service states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. We’ll gladly, refund your merchandise amount, credit your account or, send a replacement (if available). Your complete satisfaction is guaranteed.”
The order was returned using the Smart Label option at a cost of $7.95 to be applied to your account when returned. This is a convenience offered to our customers, so they may save time and just drop the item at the post office, without waiting in line, or giving to their postman for return. This information is clearly disclosed on the return label. Because we value your business, we have credited your account for the Smart Label and the original shipping and processing. Your account will reflect a zero balance within the next twenty four to seventy two hours.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet
Mr. [redacted] has been informed of the need to complete and return an identity theft affidavit in order to process his claim of unauthorized use. The information currently available indicates there is a reasonable basis for believing Mr. [redacted] placed the order that opened the account and is...
responsible for payment of the balance. Ginny's will investigate this matter further upon receipt of additional information from Mr. [redacted].
The receipts Ms. [redacted] included with her complaint indicate money orders were purchased on the dates and in the amounts shown. They do not provide evidence that a) the money orders were mailed, b) they were received and c) that they were processed and the proceeds deposited by either...
Seventh Avenue or Ginny's. Neither Ginny's nor Seventh Avenue have any record of receiving a payment in the month of September from Ms. [redacted]. In order to prove the payments were made, Ms. [redacted] would need to request tracking of the money orders and copies of the front and back of instruments.
In the interest of resolving this complaint, both companies have credited Ms. [redacted]'s account to remove late fees assessed since September. These adjustments, which will appear on Ms. [redacted]'s next account statement, will bring her account current so that she will not receive any further past due notices.
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]
The Fair and Accurate Credit Transactions Act (FACT Act) required certain changes in the processing of credit applications. Specific to this matter, it required consumer reporting agencies to provide an address discrepancy notice when a request for a consumer credit report included an address that...
did not match ANY of the addresses in the agency’s record for that consumer. The FACT Act prohibited creditors from extending credit to a consumer unless and until the address discrepancy was resolved.
Seventh Avenue received an order and request for extension of credit from Mr. Watkins on February 15, 2017. Seventh Avenue requested a consumer credit report in order to evaluate Mr. Watkins’ creditworthiness. The report included an address discrepancy notice. Seventh Avenue sent a request for a down payment to Mr. Watkins to resolve the discrepancy (since the purpose of the notice is to prevent fraud, calling the individual who placed the order is NOT an allowable method for resolving the dispute). Mr. Watkins elected not to make the requested down payment and canceled the order. Seventh Avenue regrets any inconvenience Mr. Watkins may have experienced as a result of this matter.
We received the
correspondence from the Revdex.com regarding your order #[redacted]
placed on 10/29/2014. Our records indicate that after speaking with you on
2/17/15 we mailed you a courtesy, pre-paid post office return label. On
3/27/2015 you contacted us and we again mailed to...
you a pre-paid post office
return label. Your satisfaction is guaranteed and we will issue a credit to your
account once you have boxed and returned the items to us. We hope this
information is helpful. 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.
Ginny's states that the status of my account was updated to indicate the account had been paid in full, and the balance due was reduced to zero. The current status of the account is a Paid Charge-off. That is not what is shows in payment status for Equifax (See attached).
Regards,
[redacted]
We received the correspondence from the Revdex.com regarding your Seventh Avenue account #[redacted] Under the TERMS of our credit plan you will find the ACCOUNT AGREEMENT information that states: PAYMENTS: Each month you must pay at least the full Minimum...
Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statement. Your Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $2,400, then 3.34% of the HNB. The HNB is the highest principal balance of your Account since it was last paid in full. This means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustments. We can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable law. Payments in excess of the minimum will not reduce future Minimum Monthly Payments. We appreciate your business and hope this information is helpful.Sincerely Seventh Avenue Thank you, [redacted]Customer Service
[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]
Montgomery Ward received an order in Mr. [redacted] name on May 27, 2015 that included a request for an extension of credit. The order included Mr. [redacted]'s personal information, including his home address and social security number. The shipping and billing address on the order were the...
same: [redacted] Montgomery Ward sent a request to Mr. [redacted] for a down payment of 50% of the order total before a credit account would be opened in his name. Mr. [redacted] received the request for a down payment and informed Montgomery Ward that he had not placed the order. Montgomery Ward has not shipped the merchandise or opened a credit account in Mr. [redacted]'s name. Nonetheless, Mr. [redacted] should be aware that someone used his personal information in an attempt to open a credit account and may wish to take precautions to prevent similar occurrences in the future. Mr. [redacted] was not on Montgomery Ward's mailing list prior to the order and is not on its mailing list now. Montgomery Ward will add Mr. [redacted]'s information to its fraud file to prevent any future orders from being processed.
[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,
Mr. [redacted] desired resolution:
delete all 3 accounts off my credit reports.
The companies have complied with this request and consider this matter to be closed.
We received the correspondence from the Revdex.com in regards to your order #[redacted]-17 placed 6/27/2016 via internet for the [redacted] Steel Pool. We make every effort to provide the best service and highest quality products, however, sometimes circumstances are beyond our control. We...
apologize the pool was not available for shipment. We regret we are unable to reserve inventory pending receipt of down payment. We are truly sorry for any inconvenience this may have caused.
Montgomery Ward does not request or receive demographic data on its customers. Wards routinely pre-screens consumers for the purpose of providing them with a pre-approved credit offer. Ward’s offers its down payment program as an opportunity for consumers to receive their merchandise and open a credit account, even if they are not initially approved for the full amount of their order. We regret the item you ordered was no longer available when you made the requested down payment. The multiple orders placed in a short period time, specifically three separate orders on July 2, 2016, triggered the increased down payment requests.
The down payment of $20.19 was returned to the card used for payment on 7/11/2016. It may take several days for the adjustment to be processed and returned to your card. We are sorry for any disappointment but appreciate the opportunity to explain. Sincerely, Montgomery Ward.
[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.Bank printout attached.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Mr. [redacted] has placed numerous orders and applied for credit to purchase the items he ordered. His requests for extensions of credit have not been approved. Mr. [redacted] has been sent the appropriate notices regarding the decline of his applications for credit.
The account opened in Ms. [redacted] name was coded as fraud on December 13, 2015. There is no need for Ms. [redacted] to complete an identity theft affidavit or submit a police report to Ginny's. No information regarding the account has been furnished to a consumer reporting agency.
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 1/20/2016 via phone. We are sorry for any confusion with the returns processing of your order.
Your account was promptly credited $279.96 2/19/2016 for merchandise returned. Shipping and...
processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind or the item did not fit. The Midnight Velvet guarantee is listed on the order blank in the center of the catalog or online under Customer Service states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. We’ll gladly, refund your merchandise amount, credit your account or, send a replacement (if available). Your complete satisfaction is guaranteed.”
The order was returned using the Smart Label option at a cost of $7.95 to be applied to your account when returned. This is a convenience offered to our customers, so they may save time and just drop the item at the post office, without waiting in line, or giving to their postman for return. This information is clearly disclosed on the return label. Because we value your business, we have credited your account for the Smart Label and the original shipping and processing. Your account will reflect a zero balance within the next twenty four to seventy two hours.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet
Mr. [redacted] has been informed of the need to complete and return an identity theft affidavit in order to process his claim of unauthorized use. The information currently available indicates there is a reasonable basis for believing Mr. [redacted] placed the order that opened the account and is...
responsible for payment of the balance. Ginny's will investigate this matter further upon receipt of additional information from Mr. [redacted].
The receipts Ms. [redacted] included with her complaint indicate money orders were purchased on the dates and in the amounts shown. They do not provide evidence that a) the money orders were mailed, b) they were received and c) that they were processed and the proceeds deposited by either...
Seventh Avenue or Ginny's. Neither Ginny's nor Seventh Avenue have any record of receiving a payment in the month of September from Ms. [redacted]. In order to prove the payments were made, Ms. [redacted] would need to request tracking of the money orders and copies of the front and back of instruments.
In the interest of resolving this complaint, both companies have credited Ms. [redacted]'s account to remove late fees assessed since September. These adjustments, which will appear on Ms. [redacted]'s next account statement, will bring her account current so that she will not receive any further past due notices.
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]
The Fair and Accurate Credit Transactions Act (FACT Act) required certain changes in the processing of credit applications. Specific to this matter, it required consumer reporting agencies to provide an address discrepancy notice when a request for a consumer credit report included an address that...
did not match ANY of the addresses in the agency’s record for that consumer. The FACT Act prohibited creditors from extending credit to a consumer unless and until the address discrepancy was resolved.
Seventh Avenue received an order and request for extension of credit from Mr. Watkins on February 15, 2017. Seventh Avenue requested a consumer credit report in order to evaluate Mr. Watkins’ creditworthiness. The report included an address discrepancy notice. Seventh Avenue sent a request for a down payment to Mr. Watkins to resolve the discrepancy (since the purpose of the notice is to prevent fraud, calling the individual who placed the order is NOT an allowable method for resolving the dispute). Mr. Watkins elected not to make the requested down payment and canceled the order. Seventh Avenue regrets any inconvenience Mr. Watkins may have experienced as a result of this matter.
We received the
correspondence from the Revdex.com regarding your order #[redacted]
placed on 10/29/2014. Our records indicate that after speaking with you on
2/17/15 we mailed you a courtesy, pre-paid post office return label. On
3/27/2015 you contacted us and we again mailed to...
you a pre-paid post office
return label. Your satisfaction is guaranteed and we will issue a credit to your
account once you have boxed and returned the items to us. We hope this
information is helpful. 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.
Ginny's states that the status of my account was updated to indicate the account had been paid in full, and the balance due was reduced to zero. The current status of the account is a Paid Charge-off. That is not what is shows in payment status for Equifax (See attached).
Regards,
[redacted]
We received the correspondence from the Revdex.com regarding your Seventh Avenue account #[redacted] Under the TERMS of our credit plan you will find the ACCOUNT AGREEMENT information that states: PAYMENTS: Each month you must pay at least the full Minimum...
Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statement. Your Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $2,400, then 3.34% of the HNB. The HNB is the highest principal balance of your Account since it was last paid in full. This means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustments. We can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable law. Payments in excess of the minimum will not reduce future Minimum Monthly Payments. We appreciate your business and hope this information is helpful.Sincerely Seventh Avenue Thank you, [redacted]Customer Service
[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]
Montgomery Ward received an order in Mr. [redacted] name on May 27, 2015 that included a request for an extension of credit. The order included Mr. [redacted]'s personal information, including his home address and social security number. The shipping and billing address on the order were the...
same: [redacted] Montgomery Ward sent a request to Mr. [redacted] for a down payment of 50% of the order total before a credit account would be opened in his name. Mr. [redacted] received the request for a down payment and informed Montgomery Ward that he had not placed the order. Montgomery Ward has not shipped the merchandise or opened a credit account in Mr. [redacted]'s name. Nonetheless, Mr. [redacted] should be aware that someone used his personal information in an attempt to open a credit account and may wish to take precautions to prevent similar occurrences in the future. Mr. [redacted] was not on Montgomery Ward's mailing list prior to the order and is not on its mailing list now. Montgomery Ward will add Mr. [redacted]'s information to its fraud file to prevent any future orders from being processed.
[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]
Mr. [redacted] desired resolution:
delete all 3 accounts off my credit reports.
The companies have complied with this request and consider this matter to be closed.
We received the correspondence from the Revdex.com in regards to your order #[redacted]-17 placed 6/27/2016 via internet for the [redacted] Steel Pool. We make every effort to provide the best service and highest quality products, however, sometimes circumstances are beyond our control. We...
apologize the pool was not available for shipment. We regret we are unable to reserve inventory pending receipt of down payment. We are truly sorry for any inconvenience this may have caused.
Montgomery Ward does not request or receive demographic data on its customers. Wards routinely pre-screens consumers for the purpose of providing them with a pre-approved credit offer. Ward’s offers its down payment program as an opportunity for consumers to receive their merchandise and open a credit account, even if they are not initially approved for the full amount of their order. We regret the item you ordered was no longer available when you made the requested down payment. The multiple orders placed in a short period time, specifically three separate orders on July 2, 2016, triggered the increased down payment requests.
The down payment of $20.19 was returned to the card used for payment on 7/11/2016. It may take several days for the adjustment to be processed and returned to your card. We are sorry for any disappointment but appreciate the opportunity to explain. Sincerely, Montgomery Ward.
[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 requested deletion of the inquiry from Ms. [redacted]'s credit file. No further response is required.
[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.Bank printout attached.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]