We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 4/14/17 via internet. We are sincerely sorry your first shopping experience with Ginny’s was not as you expected.
We regret any errors that occurred during the placement of the order...
online. Unfortunately, our records do not indicate a gift certificate was submitted. We will gladly apply the gift certificate towards your balance if you would be able to supply the gift certificate number (please verify the amount),as well as the name, address, zip code and phone number of the person that gifted you. This would allow us to locate the information and make adjustments.
We extend our apologies for the assistance you received, as this is not how we help solve our customer requests. Colony Brands has been in business for over 90 years and we want you to be assured it is uncommon to handle orders in this manner. We look forward to receiving the additional information shortly via the Revdex.com.
We have built our success with satisfied customers, and hope you will give us the opportunity to make this right. Sincerely, Ginny’s
This is an issue that Mr. [redacted] will need to address directly with the consumer reporting agency that included the inquiry on his consumer credit report. Ginny's did not make the determination that it should be included and does not have the ability to remove it.
Montgomery Ward customer service has credited Ms. [redacted]
account for the full amount of the original order and for all related finance
charges and late fees. The account now has a zero balance. In addition,
Montgomery Ward has requested deletion of the account information from...
Ms.
[redacted] consumer credit file.
Montgomery Ward regrets any inconvenience Ms. [redacted] may
have experienced as a result of this matter.
Ms. [redacted] payment was received by Ginny's on July 18, 2016. The status of her account will be updated as part of Ginny's next scheduled report to the consumer reporting agencies in August of 2016. This schedule complies with the requirements of the Fair Credit Reporting Act.
Ashro is puzzled by a number of aspects of Ms. [redacted] account. Ms. [redacted] did not provide a credit card number when she placed her order on August 23, 2015. Ashro sent the first account statement to Ms. [redacted] on August 27, 2015. Finance charges were not assessed on the account, however, until the...
next closing, on September 28, 2015. Ms. [redacted] could have called and used her Visa card to pay the entire balance on her Ashro account at any time before September 28, 2015 and been charged $0 in finance charges. Instead Ms. [redacted] waited until November 23, 2015 to make a payment on her account – three months after the account was opened and more than a month after the replacement dress was shipped to her home.
Ms. [redacted] was clearly aware of the account before November of 2015, as she state in a telephone conversation on October 14, 2015 that she would “check what she ordered before making a payment.” Ashro spoke with Ms. [redacted] again on November 10, November 23 of 2015 and January 16 of 2016. In all, Ashro spoke with Ms. [redacted] on five separate occasions before she decided in February of 2016 that she had intended to pay for this order with her Visa card.
In the interest of resolving this complaint - and solely in the interest of resolving this complaint – Ashro has credited Ms. Martin’s account for the late fees and finance charges assessed since she made the one payment on her account. These adjustments will appear on her next monthly billing statement. Ms. [redacted] may then either pay the remaining balance in full or pay the account in accordance with the terms and conditions of the account agreement, including the assessment of finance charges and late fees.
Montgomery Ward did not open an account in Mr. [redacted] name. The order and application for credit placed in Mr. [redacted] name was identified as potentially fraudulent upon receipt. A notice was sent to Mr. [redacted] indicating that the order would need to be paid in full before it could be...
shipped, i.e. no credit account would be opened for the purchase. There is, therefore, no account to close.Please note also that Montgomery Ward did not request or review a copy of Mr. [redacted] consumer credit report and that no information regarding this transaction has been or will be furnished to a consumer reporting agency.
Swiss Colony has record of an account at the address listed in her complaint. However, the account is not in the name of [redacted] or [redacted]. Swiss Colony has credited the account to a zero balance and coded it for deletion. If this is the account that appears on Ms. [redacted] credit report, the information should disappear in the next 30 days.
An accounting of your order will be sent to the email address provided and will reflect a zero balance. Please allow twenty four to forty eight hours for receipt. The $50 refund was issued 1/31/2017. Due to confidentiality concerns we are unable to forward the information via email. We are sending this information under separate cover via United States Postal Service; this should be received within the next seven to ten business days. You may also contact your Financial Institution to verify your refund; it will also be reflected on the monthly statement you receive from them. Montgomery Ward
Ms. [redacted] alleges that an account was opened in her name without her knowledge or consent. Montgomery Ward has sent an identity theft affidavit to Ms. [redacted] on four separate occasions beginning in December of 2015. None of the affidavits have been returned. Based on the information...
currently available, Montgomery Ward believes the information it has furnished regarding the account is accurate and correct. Montgomery Ward will investigate further upon receipt of additional information or documentation from Ms. [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. Thank you for your assistance with this matter. I do find it puzzling as to how an original order for two items that with shipping added up to less than $100 somehow ended adding up to a bill for $187 for an alleged single item? No copies of any USPS, FEDEX, or UPS deliveries with a date or time stamp signed by me or even delivery confirmation. These guys are as shady as can be. Thanks again for your help here.
Regards,
[redacted]
We received your correspondence
from the Revdex.com regarding Order #[redacted] placed via phone
11/19/2014. We apologize for your receiving unsatisfactory
merchandise.
Our records indicate your return
of the Animal Massage Slipper/Dog 12/9/2014 was processed 12/9/2014, and a...
credit of $23.95 ($19.95 merchandise credit + $4.00 associated shipping and
processing) was issued to your account.
Your return of the Lumbar Pillow
was processed 1/13/2015 and merchandise credit of $39.95 was issued. Our
guarantee states: “When you receive your order, if you are not completely
satisfied you can return any unused item in its original packaging within 60
days of its receipt for a full refund of the purchase price (excluding shipping
and processing charges).” It is a standard practice in the catalog industry that
the customer is responsible for any return postage if an item is returned
because the customer changed his or her mind, the item didn’t fit, or that the
customer just did not like the item. Likewise, shipping and processing is not
automatically credited. As a courtesy, the remaining shipping and processing on
this order has been credited, and your account now reflects a zero balance.
As requested, your account has
been closed and your name removed from our mailing list. However, it is still
possible that you may receive another catalog from us. Some catalogs are already
at their shipping destinations, to be released at a later date. The entire
process can take six to eight weeks. If any are received you may
discard.
We hope this information is
helpful to you. We appreciate the opportunity to explain. Sincerely, Montgomery
Ward
We received the correspondence from the Revdex.com regarding your order #[redacted] placed 11/16/14 for $19.95. We are sorry for any confusion regarding your billing statement. Credit terms are listed on the order blank in the center of the catalog or online under Customer...
Service/Help and state:
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 $1,500, 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.
LATE CHARGES: If you fail to pay the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date listed on your monthly statement you will be assessed a late payment fee according to the table above (see website), subject to any regulatory limitations.
Unfortunately, records show the payment due 2/10/15 of $19.95 was received and posted 3/6/2015. We have, as a courtesy, credited your account to a zero balance. Please allow twenty four to forty eight hours for this to process. Per your request, we have also requested your name to be removed from our mailing list and closed your account. We appreciate the opportunity to explain. Swiss Colony
The Swiss
Colony provides a customer service number in its account statements, in its
catalogs and on its web site. Its return policy - with a toll free telephone
number - is also published on its web site. If Mr. [redacted] had a problem with any
product he ordered from Swiss Colony, a resolution...
was as simple as placing a
telephone call – the Swiss Colony product guarantee is open ended.
Mr. [redacted]
instead elected to write
a note on his account statement - the one method of
communication virtually guaranteed to fail. Like most businesses, Swiss Colony
utilizes automated payment processing equipment to rapidly scan and deposit
incoming payments. Optical scanning equipment reads the account number off of the
payment stub and the account number and payment amount off of the check or
other payment instrument. As a result, no one read or responded to Mr. [redacted]'s
note.
It is
worth noting that Mr. [redacted] placed his order in December of 2014, but did not
make a payment until April of 2015. In the intervening four months, Mr. [redacted]
made no attempt to contact Swiss Colony or return the gloves he alleges were
defective.
At the
time he made his first payment his account was two months past due and the
balance had increased due to late payment fees and finance charges. Mr. [redacted]
then made one additional payment and stopped paying, ignoring the subsequent
billing statements, collection calls and past due notices.
In answer
to Mr. [redacted]’s question, The Swiss Colony believes it is perfectly fair to
expect a consumer to either a.) return merchandise that they find
unsatisfactory or b.) pay for the merchandise in accordance with the terms of
the purchase agreement. The current balance on Mr. [redacted]’s account is the result
of his failure to do either of these things.
Nonetheless,
Swiss Colony has elected to cease all efforts to collect the outstanding
balance on Mr. [redacted]’s account and to request deletion of the account
information from his credit file. The account will remain permanently closed
and Mr. [redacted]’s name will be deleted from the mailing list of Swiss Colony and
its affiliates.
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 disagree because if they believe there's some fraud going on when the representative told me it was due to fraud why did the super visor I spoke to deny that there was any fraud. I also offered to send in my ID and Social Security Card and any other paper work they need. As far as others using the address and phone number, there are 8 people in my home. We all use one cell phone as our home phone and of course we all have the same address. The adults names are my name which is, [redacted]. So, if there's any other names besides these then they may have fraud. I don't see any excuse not to send out my order, because they could just ask for verification. Thank You.
The act as if I have been receiving 2 bills.... I have only been receiving 1 bill so how could they have had 2 accounts for me. They are full of it. I want them to straighten out my billing and send me a printout with my balance to let me know they have done so with an apology for the BS.
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]
Seventh Avenue has no record of receiving documentation of multiple payments from Ms. [redacted]. Moreover, Seventh Avenue has searched its payment records for any payments made using accounts Ms. [redacted] has used in the past. The last payment using any of her previous accounts was posted to her Seventh...
Avenue account on June 7, 2016. Ms. [redacted] can mail copies of any documentation in her possession to Special Account Handling, 1112 7th Ave., Monroe, WI 53566.
Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Ms. [redacted] account. Seventh Avenue responded to a dispute received through Equifax in December of 2014 in accordance with the requirements of...
The order form received by Swiss Colony in this matter was altered to delete the name and address of the intended recipient. The information that replaced the original name and address was used to process the order, resulting in an account in the name of Mrs. [redacted]. Swiss Colony has elected to...
request deletion of the account information from Mrs. [redacted] credit file. This change may take up to 30 days to appear on a consumer credit report.
[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 in regards to your order #[redacted] placed 4/14/17 via internet. We are sincerely sorry your first shopping experience with Ginny’s was not as you expected.
We regret any errors that occurred during the placement of the order...
online. Unfortunately, our records do not indicate a gift certificate was submitted. We will gladly apply the gift certificate towards your balance if you would be able to supply the gift certificate number (please verify the amount),as well as the name, address, zip code and phone number of the person that gifted you. This would allow us to locate the information and make adjustments.
We extend our apologies for the assistance you received, as this is not how we help solve our customer requests. Colony Brands has been in business for over 90 years and we want you to be assured it is uncommon to handle orders in this manner. We look forward to receiving the additional information shortly via the Revdex.com.
We have built our success with satisfied customers, and hope you will give us the opportunity to make this right. Sincerely, Ginny’s
This is an issue that Mr. [redacted] will need to address directly with the consumer reporting agency that included the inquiry on his consumer credit report. Ginny's did not make the determination that it should be included and does not have the ability to remove it.
Montgomery Ward customer service has credited Ms. [redacted]
account for the full amount of the original order and for all related finance
charges and late fees. The account now has a zero balance. In addition,
Montgomery Ward has requested deletion of the account information from...
Ms.
[redacted] consumer credit file.
Montgomery Ward regrets any inconvenience Ms. [redacted] may
have experienced as a result of this matter.
A refund check was issued on 3/19/18.
Ms. [redacted] payment was received by Ginny's on July 18, 2016. The status of her account will be updated as part of Ginny's next scheduled report to the consumer reporting agencies in August of 2016. This schedule complies with the requirements of the Fair Credit Reporting Act.
Ashro is puzzled by a number of aspects of Ms. [redacted] account. Ms. [redacted] did not provide a credit card number when she placed her order on August 23, 2015. Ashro sent the first account statement to Ms. [redacted] on August 27, 2015. Finance charges were not assessed on the account, however, until the...
next closing, on September 28, 2015. Ms. [redacted] could have called and used her Visa card to pay the entire balance on her Ashro account at any time before September 28, 2015 and been charged $0 in finance charges. Instead Ms. [redacted] waited until November 23, 2015 to make a payment on her account – three months after the account was opened and more than a month after the replacement dress was shipped to her home.
Ms. [redacted] was clearly aware of the account before November of 2015, as she state in a telephone conversation on October 14, 2015 that she would “check what she ordered before making a payment.” Ashro spoke with Ms. [redacted] again on November 10, November 23 of 2015 and January 16 of 2016. In all, Ashro spoke with Ms. [redacted] on five separate occasions before she decided in February of 2016 that she had intended to pay for this order with her Visa card.
In the interest of resolving this complaint - and solely in the interest of resolving this complaint – Ashro has credited Ms. Martin’s account for the late fees and finance charges assessed since she made the one payment on her account. These adjustments will appear on her next monthly billing statement. Ms. [redacted] may then either pay the remaining balance in full or pay the account in accordance with the terms and conditions of the account agreement, including the assessment of finance charges and late fees.
Montgomery Ward did not open an account in Mr. [redacted] name. The order and application for credit placed in Mr. [redacted] name was identified as potentially fraudulent upon receipt. A notice was sent to Mr. [redacted] indicating that the order would need to be paid in full before it could be...
shipped, i.e. no credit account would be opened for the purchase. There is, therefore, no account to close.Please note also that Montgomery Ward did not request or review a copy of Mr. [redacted] consumer credit report and that no information regarding this transaction has been or will be furnished to a consumer reporting agency.
Swiss Colony has record of an account at the address listed in her complaint. However, the account is not in the name of [redacted] or [redacted]. Swiss Colony has credited the account to a zero balance and coded it for deletion. If this is the account that appears on Ms. [redacted] credit report, the information should disappear in the next 30 days.
An accounting of your order will be sent to the email address provided and will reflect a zero balance. Please allow twenty four to forty eight hours for receipt. The $50 refund was issued 1/31/2017. Due to confidentiality concerns we are unable to forward the information via email. We are sending this information under separate cover via United States Postal Service; this should be received within the next seven to ten business days. You may also contact your Financial Institution to verify your refund; it will also be reflected on the monthly statement you receive from them. Montgomery Ward
Ms. [redacted] alleges that an account was opened in her name without her knowledge or consent. Montgomery Ward has sent an identity theft affidavit to Ms. [redacted] on four separate occasions beginning in December of 2015. None of the affidavits have been returned. Based on the information...
currently available, Montgomery Ward believes the information it has furnished regarding the account is accurate and correct. Montgomery Ward will investigate further upon receipt of additional information or documentation from Ms. [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. Thank you for your assistance with this matter. I do find it puzzling as to how an original order for two items that with shipping added up to less than $100 somehow ended adding up to a bill for $187 for an alleged single item? No copies of any USPS, FEDEX, or UPS deliveries with a date or time stamp signed by me or even delivery confirmation. These guys are as shady as can be. Thanks again for your help here.
Regards,
[redacted]
We received your correspondence
from the Revdex.com regarding Order #[redacted] placed via phone
11/19/2014. We apologize for your receiving unsatisfactory
merchandise.
Our records indicate your return
of the Animal Massage Slipper/Dog 12/9/2014 was processed 12/9/2014, and a...
credit of $23.95 ($19.95 merchandise credit + $4.00 associated shipping and
processing) was issued to your account.
Your return of the Lumbar Pillow
was processed 1/13/2015 and merchandise credit of $39.95 was issued. Our
guarantee states: “When you receive your order, if you are not completely
satisfied you can return any unused item in its original packaging within 60
days of its receipt for a full refund of the purchase price (excluding shipping
and processing charges).” It is a standard practice in the catalog industry that
the customer is responsible for any return postage if an item is returned
because the customer changed his or her mind, the item didn’t fit, or that the
customer just did not like the item. Likewise, shipping and processing is not
automatically credited. As a courtesy, the remaining shipping and processing on
this order has been credited, and your account now reflects a zero balance.
As requested, your account has
been closed and your name removed from our mailing list. However, it is still
possible that you may receive another catalog from us. Some catalogs are already
at their shipping destinations, to be released at a later date. The entire
process can take six to eight weeks. If any are received you may
discard.
We hope this information is
helpful to you. We appreciate the opportunity to explain. Sincerely, Montgomery
Ward
We received the correspondence from the Revdex.com regarding your order #[redacted] placed 11/16/14 for $19.95. We are sorry for any confusion regarding your billing statement. Credit terms are listed on the order blank in the center of the catalog or online under Customer...
Service/Help and state:
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 $1,500, 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.
LATE CHARGES: If you fail to pay the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date listed on your monthly statement you will be assessed a late payment fee according to the table above (see website), subject to any regulatory limitations.
Unfortunately, records show the payment due 2/10/15 of $19.95 was received and posted 3/6/2015. We have, as a courtesy, credited your account to a zero balance. Please allow twenty four to forty eight hours for this to process. Per your request, we have also requested your name to be removed from our mailing list and closed your account. We appreciate the opportunity to explain. Swiss Colony
The Swiss
Colony provides a customer service number in its account statements, in its
catalogs and on its web site. Its return policy - with a toll free telephone
number - is also published on its web site. If Mr. [redacted] had a problem with any
product he ordered from Swiss Colony, a resolution...
was as simple as placing a
telephone call – the Swiss Colony product guarantee is open ended.
Mr. [redacted]
instead elected to write
a note on his account statement - the one method of
communication virtually guaranteed to fail. Like most businesses, Swiss Colony
utilizes automated payment processing equipment to rapidly scan and deposit
incoming payments. Optical scanning equipment reads the account number off of the
payment stub and the account number and payment amount off of the check or
other payment instrument. As a result, no one read or responded to Mr. [redacted]'s
note.
It is
worth noting that Mr. [redacted] placed his order in December of 2014, but did not
make a payment until April of 2015. In the intervening four months, Mr. [redacted]
made no attempt to contact Swiss Colony or return the gloves he alleges were
defective.
At the
time he made his first payment his account was two months past due and the
balance had increased due to late payment fees and finance charges. Mr. [redacted]
then made one additional payment and stopped paying, ignoring the subsequent
billing statements, collection calls and past due notices.
In answer
to Mr. [redacted]’s question, The Swiss Colony believes it is perfectly fair to
expect a consumer to either a.) return merchandise that they find
unsatisfactory or b.) pay for the merchandise in accordance with the terms of
the purchase agreement. The current balance on Mr. [redacted]’s account is the result
of his failure to do either of these things.
Nonetheless,
Swiss Colony has elected to cease all efforts to collect the outstanding
balance on Mr. [redacted]’s account and to request deletion of the account
information from his credit file. The account will remain permanently closed
and Mr. [redacted]’s name will be deleted from the mailing list of Swiss Colony and
its affiliates.
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 disagree because if they believe there's some fraud going on when the representative told me it was due to fraud why did the super visor I spoke to deny that there was any fraud. I also offered to send in my ID and Social Security Card and any other paper work they need. As far as others using the address and phone number, there are 8 people in my home. We all use one cell phone as our home phone and of course we all have the same address. The adults names are my name which is, [redacted]. So, if there's any other names besides these then they may have fraud. I don't see any excuse not to send out my order, because they could just ask for verification. Thank You.
The act as if I have been receiving 2 bills.... I have only been receiving 1 bill so how could they have had 2 accounts for me. They are full of it. I want them to straighten out my billing and send me a printout with my balance to let me know they have done so with an apology for the BS.
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]
Seventh Avenue has no record of receiving documentation of multiple payments from Ms. [redacted]. Moreover, Seventh Avenue has searched its payment records for any payments made using accounts Ms. [redacted] has used in the past. The last payment using any of her previous accounts was posted to her Seventh...
Avenue account on June 7, 2016. Ms. [redacted] can mail copies of any documentation in her possession to Special Account Handling, 1112 7th Ave., Monroe, WI 53566.
Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Ms. [redacted] account. Seventh Avenue responded to a dispute received through Equifax in December of 2014 in accordance with the requirements of...
the Fair Credit Reporting Act.
The order form received by Swiss Colony in this matter was altered to delete the name and address of the intended recipient. The information that replaced the original name and address was used to process the order, resulting in an account in the name of Mrs. [redacted]. Swiss Colony has elected to...
request deletion of the account information from Mrs. [redacted] credit file. This change may take up to 30 days to appear on a consumer credit report.
[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]