Ward's records indicate Ms. [redacted] has furnished additional information in support of her claim that she is not responsible for this account. Ward's Loss Prevention department re-opened its investigation and has elected to delete the information for this account from Ms. R[redacted] credit file. This change may not appear on a consumer credit report for 30 days or more.
Seventh Avenue has no record of calling Mr. [redacted] since 9/22/15. His account is coded to stop all calls to his home. Seventh Avenue's records also indicate Mr. [redacted] failed to make the minimum payment due on his account in September. A late payment fee of $10 was assessed on September 19, 2015....
If Mr. [redacted] wishes to avoid the assessment of additional late payment fees he will need to pay the minimum amount due listed on his most recent account statement on or before the due date. If Mr. [redacted] is unable to make the required payments on his account due to a recent change in his circumstances he should contact Seventh Avenue's credit department to discuss possible accommodations.
Good Morning [redacted],
Thank you for contacting us regarding your bill.
I'm sorry to have learned that your bill wasn't adjusted when the items were returned. I've issued credit for the returns and removed the late fees associated with your account. Your balance is now $0.00.
Please let me...
know if there is anything else we can help you with.
Thank you,
Ginny's Customer Service
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.
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].
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.
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.
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
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.
We received the correspondence from the Revdex.com in regards to a change in your account status. We are sorry you were disappointed.
We strive to improve our ability to provide our customers with fine service and products and take these decisions very seriously. Nonetheless, it...
should be obvious that we cannot continue to ship merchandise that is lost, stolen or misdirected. Please keep in mind if any further delivery issues arise we will have no choice but to cease delivering to your address. All shipping and tracking information is sent via email, this allows our customers the convenience of knowing when their shipment will arrive by tracking its progress. Please feel free to review our guarantees listed on the order blank in the center of the catalog or online under Customer Service/Help.
As a courtesy, we have restored your ability to utilize your Ashro credit account. Due to the status change, you will need to resubmit your last order and it will be processed as a standard credit order subject to final credit approval. Our records indicate you have been a customer since 5/24/2012 and we regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
Business Bureau:
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.]I have reviewed the answer and, while I'm glad it is resolved and they have sent my merchandise, I am not happy about what I have had to do to get this matter resolved. Seventh Avenue did not follow through as they had promised. They said that as soon as they received my check, they would send out my merchandise. My check was received by them and cleared my bank and they had still not sent out my order. I had to go through the Revdex.com to get the issue resolved and, within two days, they had shipped my order. Thank you to Revdex.com. I will probably not order throuh Seventh Avenue again.
Regards,
[redacted]
Ashro cannot locate an account using the address information provided in the complaint. Please provide the billing address on the account at the time it was opened and/or paid.
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] [redacted] It did not cost them $80.00 to mail it to me so why should I pay $80.00 to send it back. I think they are mad because I want do anymore business with them.
Mr. [redacted] opened his Home at Five account in April of 2014 with a purchase of just under $100. The payment plan for Home at Five required a minimum payment of $5 on a balance up to $100 and 5% of the Highest New Balance above $100. Mr. [redacted] made regular payments of $5 for approximately one year...
before he made a second purchase on his account. This purchase created a new high balance that exceeded $100 and increased his payment to $5.24. Mr. [redacted] failed to make the required minimum payment in the first month after his new purchase, resulting in a late payment fee. Mr. [redacted] resumed making regular payments, but failed to make the required payment in November of 2015 and February, March, June, September, November and December of 2016, resulting in the imposition of additional late payment fees.
As a courtesy to Mr. [redacted], Home at Five has credited his account to remove all late payment fees. This adjustment will appear on his next monthly billing statement and will bring his account current. If Mr. [redacted] wishes to pay his account in full he will need to commit to making regular, timely payments equal to or greater than the minimum payment due.
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.
Ward's records indicate Ms. [redacted] has furnished additional information in support of her claim that she is not responsible for this account. Ward's Loss Prevention department re-opened its investigation and has elected to delete the information for this account from Ms. R[redacted] credit file. This change may not appear on a consumer credit report for 30 days or more.
Seventh Avenue has no record of calling Mr. [redacted] since 9/22/15. His account is coded to stop all calls to his home. Seventh Avenue's records also indicate Mr. [redacted] failed to make the minimum payment due on his account in September. A late payment fee of $10 was assessed on September 19, 2015....
If Mr. [redacted] wishes to avoid the assessment of additional late payment fees he will need to pay the minimum amount due listed on his most recent account statement on or before the due date. If Mr. [redacted] is unable to make the required payments on his account due to a recent change in his circumstances he should contact Seventh Avenue's credit department to discuss possible accommodations.
Good Morning [redacted],
Thank you for contacting us regarding your bill.
I'm sorry to have learned that your bill wasn't adjusted when the items were returned. I've issued credit for the returns and removed the late fees associated with your account. Your balance is now $0.00.
Please let me...
know if there is anything else we can help you with.
Thank you,
Ginny's Customer Service
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.
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].
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.
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.
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
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.
We received the correspondence from the Revdex.com in regards to a change in your account status. We are sorry you were disappointed.
We strive to improve our ability to provide our customers with fine service and products and take these decisions very seriously. Nonetheless, it...
should be obvious that we cannot continue to ship merchandise that is lost, stolen or misdirected. Please keep in mind if any further delivery issues arise we will have no choice but to cease delivering to your address. All shipping and tracking information is sent via email, this allows our customers the convenience of knowing when their shipment will arrive by tracking its progress. Please feel free to review our guarantees listed on the order blank in the center of the catalog or online under Customer Service/Help.
As a courtesy, we have restored your ability to utilize your Ashro credit account. Due to the status change, you will need to resubmit your last order and it will be processed as a standard credit order subject to final credit approval. Our records indicate you have been a customer since 5/24/2012 and we regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Ashro
[redacted]2:21 PM (20 minutes ago)tomeSeventh Avenue sent me a check today for $100 dollars
Better...
Business Bureau:
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.]I have reviewed the answer and, while I'm glad it is resolved and they have sent my merchandise, I am not happy about what I have had to do to get this matter resolved. Seventh Avenue did not follow through as they had promised. They said that as soon as they received my check, they would send out my merchandise. My check was received by them and cleared my bank and they had still not sent out my order. I had to go through the Revdex.com to get the issue resolved and, within two days, they had shipped my order. Thank you to Revdex.com. I will probably not order throuh Seventh Avenue again.
Regards,
[redacted]
Ashro cannot locate an account using the address information provided in the complaint. Please provide the billing address on the account at the time it was opened and/or paid.
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] [redacted] It did not cost them $80.00 to mail it to me so why should I pay $80.00 to send it back. I think they are mad because I want do anymore business with them.
Mr. [redacted] opened his Home at Five account in April of 2014 with a purchase of just under $100. The payment plan for Home at Five required a minimum payment of $5 on a balance up to $100 and 5% of the Highest New Balance above $100. Mr. [redacted] made regular payments of $5 for approximately one year...
before he made a second purchase on his account. This purchase created a new high balance that exceeded $100 and increased his payment to $5.24. Mr. [redacted] failed to make the required minimum payment in the first month after his new purchase, resulting in a late payment fee. Mr. [redacted] resumed making regular payments, but failed to make the required payment in November of 2015 and February, March, June, September, November and December of 2016, resulting in the imposition of additional late payment fees.
As a courtesy to Mr. [redacted], Home at Five has credited his account to remove all late payment fees. This adjustment will appear on his next monthly billing statement and will bring his account current. If Mr. [redacted] wishes to pay his account in full he will need to commit to making regular, timely payments equal to or greater than the minimum payment due.
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.