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].
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 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.
Seventh Avenue has determined that Mr. Green is not responsible for payment of the order placed in his name. Seventh Avenue will request deletion of the credit inquiry associated with this order. No other information has been or will be furnished to the consumer reporting agencies regarding this...
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.
[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]
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,
[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.
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]
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.
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.
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.
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]
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.
We received the correspondence from the Revdex.com in regards to your order placed 10/1/2016 via internet. We are sorry for any confusion with your order and the concerns with the returns processing and billing.
Our records indicate while the replacements and returns were issued and...
processed, payments were not received on your account. When this occurs late fees and finance charges are incurred according to the credit plan agreement. Each month statements are sent and the minimum payment is due on your account when it has a balance. The intention to return an item or exchange does not exempt you from the need to make a payment. No payments have been received on account to date.
We have as a courtesy, credited all late fees and finance charges as well as the Smart Label option that was used to return some of your items at a cost of $7.95 to be applied to your account when returned. This convenience is offered to our customers and allows them to return easily by dropping at the post office without waiting in line or just giving to their postman. The instructions are enclosed with the label. Your account will reflect a zero balance within the next twenty four to forty eight hours and your account will be closed. A letter will be sent to notify you of the closure within the next seven to ten business days.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
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 said a Niece LIVED NEAR ME, NOT WITH ME which could confirm their ORIGINAL response of 2 accounts being merged. They have NOT responded to why the original account had a different number AND different name..... they are the ones that that "assumed" I have anything to do AT ALL with my Niece who was and still is (I assume since I haven't seen her in 8 years) is addicted to drugs. I am a victim here. I still have ALL the documents they are talking about. Just because something was "delivered to my address" ( I never received OR signed for ANYTHING) DOES NOT mean it wasn't fraud or was stolen off of my porch!!! THEY also reported (November 4, 2013) that the account had gone to a COLLECTION AGENCY (when I asked for VALIDATION) which is a LIE since they retained the account and HAVE CONTINUED to report a late balance, and charge fee's on something that happened in 2010!! I have reported this case to my States Attorney General and will pursue legal redress if this can't be taken care of. [redacted]
Information regarding these accounts did not appear on a consumer credit report until after they were charged off as a loss and referred to a collection agency. As stated previously, billing statements and collection notices were mailed to Ms. [redacted]' attention and collection calls were placed to her home, yet Ms. [redacted] states in her complaint that she did not know of the accounts until she noticed them on her credit report. The companies are well aware that Ms. [redacted] filed disputes regarding the information furnished on her accounts. She did not file any of them, however until January of 2015, a year after they were charged off as a loss and first reported to the consumer reporting agencies. Moreover, Ms. [redacted] was asked to complete and return an identity theft affidavit in support of her disputes. She has not done so. The companies reiterate their previous response that they have a reasonable basis for believing that the accounts belong to Ms. [redacted] and that the information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the accounts.
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].
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 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.
Seventh Avenue has determined that Mr. Green is not responsible for payment of the order placed in his name. Seventh Avenue will request deletion of the credit inquiry associated with this order. No other information has been or will be furnished to the consumer reporting agencies regarding this...
matter.
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.
[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]
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]
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.
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]
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.
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.
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.
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]
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.
We received the correspondence from the Revdex.com in regards to your order placed 10/1/2016 via internet. We are sorry for any confusion with your order and the concerns with the returns processing and billing.
Our records indicate while the replacements and returns were issued and...
processed, payments were not received on your account. When this occurs late fees and finance charges are incurred according to the credit plan agreement. Each month statements are sent and the minimum payment is due on your account when it has a balance. The intention to return an item or exchange does not exempt you from the need to make a payment. No payments have been received on account to date.
We have as a courtesy, credited all late fees and finance charges as well as the Smart Label option that was used to return some of your items at a cost of $7.95 to be applied to your account when returned. This convenience is offered to our customers and allows them to return easily by dropping at the post office without waiting in line or just giving to their postman. The instructions are enclosed with the label. Your account will reflect a zero balance within the next twenty four to forty eight hours and your account will be closed. A letter will be sent to notify you of the closure within the next seven to ten business days.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
Seventh Avenue requested deletion of the inquiry from Ms. [redacted]'s credit file. No further response is required.
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 said a Niece LIVED NEAR ME, NOT WITH ME which could confirm their ORIGINAL response of 2 accounts being merged. They have NOT responded to why the original account had a different number AND different name..... they are the ones that that "assumed" I have anything to do AT ALL with my Niece who was and still is (I assume since I haven't seen her in 8 years) is addicted to drugs. I am a victim here. I still have ALL the documents they are talking about. Just because something was "delivered to my address" ( I never received OR signed for ANYTHING) DOES NOT mean it wasn't fraud or was stolen off of my porch!!! THEY also reported (November 4, 2013) that the account had gone to a COLLECTION AGENCY (when I asked for VALIDATION) which is a LIE since they retained the account and HAVE CONTINUED to report a late balance, and charge fee's on something that happened in 2010!! I have reported this case to my States Attorney General and will pursue legal redress if this can't be taken care of. [redacted]
Information regarding these accounts did not appear on a consumer credit report until after they were charged off as a loss and referred to a collection agency. As stated previously, billing statements and collection notices were mailed to Ms. [redacted]' attention and collection calls were placed to her home, yet Ms. [redacted] states in her complaint that she did not know of the accounts until she noticed them on her credit report. The companies are well aware that Ms. [redacted] filed disputes regarding the information furnished on her accounts. She did not file any of them, however until January of 2015, a year after they were charged off as a loss and first reported to the consumer reporting agencies. Moreover, Ms. [redacted] was asked to complete and return an identity theft affidavit in support of her disputes. She has not done so. The companies reiterate their previous response that they have a reasonable basis for believing that the accounts belong to Ms. [redacted] and that the information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the accounts.