Seventh Avenue received an internet order in Ms. [redacted] name on August 28, 2016. The individual who placed the order provided Ms. [redacted] full name, address and social security number. This order proved to be one of a number of orders used the names and real addresses of their victims, then contacted...
the company in an effort to change the shipping address after the fact. Seventh Avenue was able to stop the shipment of the item to Ms. [redacted]' home and refuse to ship the item to the substitute address.
Ms. [redacted]' does not need to complete and return the identity theft affidavit, as this order has been identified as part of a larger fraud ring. Ms. [redacted] should be aware, however, that her personal information, including her SSN, has been compromised.
Ms. [redacted] first communication with Seventh Avenue occurred on July 16, 2015, after she paid the balance on her account. In light of the small balance, Seventh Avenue agreed to delete the account information from Ms. [redacted] credit file. This change may take 30 days or more to appear on a...
Seventh Avenue's records indicate Ms. [redacted] placed an order on September 4, 2014 that increased her account balance to $1,582.96. Ms. [redacted] then made regular, timely payments that reduced her account balance to $1,112.36 by March 3, 2015 - a reduction of 30% in only five months. Seventh Avenue's...
records indicate Ms. [redacted] then placed an order in the amount of $263.85 on March 6, 2015, which undid much of the balance reduction. Had Ms. [redacted] simply continued to make payments on her account her balance would now be less than $900. Since the purchase, Ms. [redacted] has been assessed two late payment fees for failing to make the required payment on her account on time, which has slowed the reduction of her account balance. As a courtesy to Ms. [redacted], Seventh Avenue has credited her account to remove the late payment fees and adjusted her account to remove the last six months of finance charges. Ms. [redacted]'s account has been closed to new purchases, as she requested. However, finance charges will continue to be assessed in each month that a balance remains on the account. Please note that the monthly payment on Ms. [redacted]'s account is based on the Highest New Balance and will not decrease as the balance goes down. As the account balance goes down, a larger portion of each payment goes to reduce the principal balance and less goes to pay interest. As a result, if Ms. [redacted] makes regular, timely payments in accordance with the terms of the account she will be able to pay the account in full in less than two years (assuming no further purchases or late payment fees).
[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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I never received any documents, otherwise I would of filled it out. Never bought anything from here. Why should I have to pay something back that's not mines and it's reporting on my credit report?
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.] I am not paying for something that was defective that is the bottom line they sold me a defective item they NEVER TOLD ME THAT THEY WERE GOING TO SEND A SHIPPING LABEL THAT IS A BIG LIE I AM NOT LOOKING FOR A REFUND I AM LOOKING TO BE CREDIT TO MY ACCOUNT THATS WHY I DID NOT PAY BECAUSE THEY SOLD ME A DEFECTIVE AIR CONDITIONER AND THAT IS AGAINST THE LAW TO SELL DEFECTIVE THINGS THEY CAN SEND IT TO A COLLECTION AGENCY I DO NOT CARE I AM NOT PAYING FOR SOMETHING THAT DOES NOT WORK I MADE 1 PAYMENT AND I TRIED TO HOOK IT UP IN THE SUMMER AND IT WAS DEAD AND I CALLED THEM AND TOLD THEM ABOUT IT THEY TOLD ME THAT THE 60 DAYS HAS EXPIRED FOR RETURNS THEY NEVER TOLD ME THEY WERE GOING TO SEND ME A SHIPPING LABEL THAT IS A LIE THEY ARE LYING ALL I WANT IS TO BE CREDIT FOR THE $399.95 THAT THEY ARE CHARGING ME I AM ON DISABILITY AND THEY ARE TAKING ADVANTAGE OF ME I NEVER TOLD THEM I TRIED TO TURN IT ON IN THE WINTER I MUST HAD MADE A MISTAKE WHEN I PUT THE COMPLAINT IN IT WAS SUMMER NOT WINTER WHEN I TRIED TO TURN IT ON THANK YOU
Regards,
[redacted]
Ms. Workman will need to provide additional information before this matter can be properly investigated. A copy of the information that appears on the consumer credit report would be most helpful, along with any previous addresses and/or names under which the account might be listed.
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.]I am happy with the offer of deleting all charges and having the account brought to zero; I am also satisfied with these charges being wiped from my credit report. However, in addition to these two things I would like the account with Seventh Avenue permanently closed.
Regards,
[redacted]
We received the information from the Revdex.com in regards to your order #[redacted] placed 5/4/2015 via phone. We are sincerely sorry to hear of any concerns with the use of your card number. We take these concerns very seriously and have monitored your call and interviewed our agent. Our results indicate no wrong doing on the part of our agent or company. We regret that you experienced this through another source, and we are hopeful everything was resolved. Sincerely, MontgomeryWard
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.] this account needs to be removed from my CBR immediately. Not only has this company broken the law with not identify who they were speaking with and having proper verification which is 3rd party disclosure I was also not given the call disclosure statement by all parties I have spoken with which is a violation of the FDCP. 3rd party disclosure is very serious and I am prepared to take legal action at this time. however this can be avoided with this trade line being removed ASAP. if it is not removed again I will be contact my attorney to move forward and I will also be contacting the CFPB as well as the FTC and attorney generals office. the reason I have not done that yet is because I was waiting on your response. also it is incorrect that this is my account and also if a fraud packet was received it would have been returned. so this trade line needs to be removed immediately or I am prepared to move forward.
Regards,
[redacted]
The Swiss Colony offers its apologies to Mr. [redacted] for the confusion regarding his order. Swiss Colony's records indicate his order was delivered on 10/27. In addition, Swiss Colony has credited Mr. [redacted]s account for the total of his order. Swiss Colony is investigating the error that caused Mr....
[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]
Ms. [redacted] placed an internet order with Country Door on May 8, 2015. Since this was a consumer initiated credit transaction, Country Door had a permissible purpose for requesting a copy of Ms. [redacted]'s consumer credit report.Ms. [redacted] placed an internet order with Seventh Avenue on May 2, 2015. Since...
this was a consumer initiated credit transaction, Seventh Avenue had a permissible purpose for requesting a copy of Ms. [redacted]'s consumer credit report.Please note that as part of the internet ordering process for each company, Ms. [redacted] was required to acknowledge receipt of and agree to the terms and conditions of the credit account. those terms include agreeing to allow the company to request a consumer credit report.
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.
As of today, my credit history still shows the derogatory/delinquent statements made by Seventh Avenue. Seventh Avenue has not provided me with any documentation showing that they have contacted the credit bureaus and requested removal of the derogatory/delinquent statements made by Seventh Avenue. Because of this, my credit score is still about 100 points lower than it should be -- all due to the actions of Seventh Avenue. Therefore, this complaint must stay open until the credit bureaus post an update of my credit history showing that the derogatory/delinquent statements made by Seventh Avenue have been removed -- only at that time can I determine if Seventh Avenue has corrected my credit history. At this time, Seventh Avenue is still responsible for a significant drop in my credit score due to their actions, which were unsupported.
[redacted]
Mr. [redacted] does not have, and was not mailed a pre-approved credit offer from Swiss Colony. Mr. [redacted] has had two orders approved and posted to his Swiss Colony Credit account since July of 2016. Two subsequent requests for extension of credit were held pending partial payment of the order total....
Had Mr. [redacted] made the requested payments his orders would have shipped and the remaining balances would have been posted to his open Swiss Colony Credit account. Mr. [redacted] has the opportunity to earn credit limit increases by making regular, timely payments on his account.
Seventh Avenue is not aware of any offer to Mr. [redacted] regarding his account. If Mr. [redacted] elects to pay the account the balance due will be changed to zero and the status of the account updated to "Paid in full - was a charge-off."
Per
your request, we are removing your name from our mailing listing. 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. Please accept our apologies for the confusion regarding the limits displayed for your account. The account was closed to new purchases on June 10, 2015 but the historical credit limits continued to appear on the account record. The limit has now been reduced to zero.
Seventh Avenue received an internet order in Ms. [redacted] name on August 28, 2016. The individual who placed the order provided Ms. [redacted] full name, address and social security number. This order proved to be one of a number of orders used the names and real addresses of their victims, then contacted...
the company in an effort to change the shipping address after the fact. Seventh Avenue was able to stop the shipment of the item to Ms. [redacted]' home and refuse to ship the item to the substitute address.
Ms. [redacted]' does not need to complete and return the identity theft affidavit, as this order has been identified as part of a larger fraud ring. Ms. [redacted] should be aware, however, that her personal information, including her SSN, has been compromised.
Ms. [redacted] first communication with Seventh Avenue occurred on July 16, 2015, after she paid the balance on her account. In light of the small balance, Seventh Avenue agreed to delete the account information from Ms. [redacted] credit file. This change may take 30 days or more to appear on a...
consumer credit report.
Seventh Avenue's records indicate Ms. [redacted] placed an order on September 4, 2014 that increased her account balance to $1,582.96. Ms. [redacted] then made regular, timely payments that reduced her account balance to $1,112.36 by March 3, 2015 - a reduction of 30% in only five months. Seventh Avenue's...
records indicate Ms. [redacted] then placed an order in the amount of $263.85 on March 6, 2015, which undid much of the balance reduction. Had Ms. [redacted] simply continued to make payments on her account her balance would now be less than $900. Since the purchase, Ms. [redacted] has been assessed two late payment fees for failing to make the required payment on her account on time, which has slowed the reduction of her account balance. As a courtesy to Ms. [redacted], Seventh Avenue has credited her account to remove the late payment fees and adjusted her account to remove the last six months of finance charges. Ms. [redacted]'s account has been closed to new purchases, as she requested. However, finance charges will continue to be assessed in each month that a balance remains on the account. Please note that the monthly payment on Ms. [redacted]'s account is based on the Highest New Balance and will not decrease as the balance goes down. As the account balance goes down, a larger portion of each payment goes to reduce the principal balance and less goes to pay interest. As a result, if Ms. [redacted] makes regular, timely payments in accordance with the terms of the account she will be able to pay the account in full in less than two years (assuming no further purchases or late payment fees).
[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]
They finally gave me the refund, thank you :-)
Ms. [redacted] account has a zero balance and has been closed to new purchases.
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 never received any documents, otherwise I would of filled it out. Never bought anything from here. Why should I have to pay something back that's not mines and it's reporting on my credit report?
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.] I am not paying for something that was defective that is the bottom line they sold me a defective item they NEVER TOLD ME THAT THEY WERE GOING TO SEND A SHIPPING LABEL THAT IS A BIG LIE I AM NOT LOOKING FOR A REFUND I AM LOOKING TO BE CREDIT TO MY ACCOUNT THATS WHY I DID NOT PAY BECAUSE THEY SOLD ME A DEFECTIVE AIR CONDITIONER AND THAT IS AGAINST THE LAW TO SELL DEFECTIVE THINGS THEY CAN SEND IT TO A COLLECTION AGENCY I DO NOT CARE I AM NOT PAYING FOR SOMETHING THAT DOES NOT WORK I MADE 1 PAYMENT AND I TRIED TO HOOK IT UP IN THE SUMMER AND IT WAS DEAD AND I CALLED THEM AND TOLD THEM ABOUT IT THEY TOLD ME THAT THE 60 DAYS HAS EXPIRED FOR RETURNS THEY NEVER TOLD ME THEY WERE GOING TO SEND ME A SHIPPING LABEL THAT IS A LIE THEY ARE LYING ALL I WANT IS TO BE CREDIT FOR THE $399.95 THAT THEY ARE CHARGING ME I AM ON DISABILITY AND THEY ARE TAKING ADVANTAGE OF ME I NEVER TOLD THEM I TRIED TO TURN IT ON IN THE WINTER I MUST HAD MADE A MISTAKE WHEN I PUT THE COMPLAINT IN IT WAS SUMMER NOT WINTER WHEN I TRIED TO TURN IT ON THANK YOU
Regards,
[redacted]
Ms. Workman will need to provide additional information before this matter can be properly investigated. A copy of the information that appears on the consumer credit report would be most helpful, along with any previous addresses and/or names under which the account might be listed.
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.]I am happy with the offer of deleting all charges and having the account brought to zero; I am also satisfied with these charges being wiped from my credit report. However, in addition to these two things I would like the account with Seventh Avenue permanently closed.
Regards,
[redacted]
We received the information from the Revdex.com in regards to your order #[redacted] placed 5/4/2015 via phone. We are sincerely sorry to hear of any concerns with the use of your card number. We take these concerns very seriously and have monitored your call and interviewed our agent. Our results indicate no wrong doing on the part of our agent or company. We regret that you experienced this through another source, and we are hopeful everything was resolved. Sincerely, MontgomeryWard
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.] this account needs to be removed from my CBR immediately. Not only has this company broken the law with not identify who they were speaking with and having proper verification which is 3rd party disclosure I was also not given the call disclosure statement by all parties I have spoken with which is a violation of the FDCP. 3rd party disclosure is very serious and I am prepared to take legal action at this time. however this can be avoided with this trade line being removed ASAP. if it is not removed again I will be contact my attorney to move forward and I will also be contacting the CFPB as well as the FTC and attorney generals office. the reason I have not done that yet is because I was waiting on your response. also it is incorrect that this is my account and also if a fraud packet was received it would have been returned. so this trade line needs to be removed immediately or I am prepared to move forward.
Regards,
[redacted]
The Swiss Colony offers its apologies to Mr. [redacted] for the confusion regarding his order. Swiss Colony's records indicate his order was delivered on 10/27. In addition, Swiss Colony has credited Mr. [redacted]s account for the total of his order. Swiss Colony is investigating the error that caused Mr....
[redacted] payment to be miscoded as returned.
[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]
Ms. [redacted] placed an internet order with Country Door on May 8, 2015. Since this was a consumer initiated credit transaction, Country Door had a permissible purpose for requesting a copy of Ms. [redacted]'s consumer credit report.Ms. [redacted] placed an internet order with Seventh Avenue on May 2, 2015. Since...
this was a consumer initiated credit transaction, Seventh Avenue had a permissible purpose for requesting a copy of Ms. [redacted]'s consumer credit report.Please note that as part of the internet ordering process for each company, Ms. [redacted] was required to acknowledge receipt of and agree to the terms and conditions of the credit account. those terms include agreeing to allow the company to request a consumer credit report.
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.
As of today, my credit history still shows the derogatory/delinquent statements made by Seventh Avenue. Seventh Avenue has not provided me with any documentation showing that they have contacted the credit bureaus and requested removal of the derogatory/delinquent statements made by Seventh Avenue. Because of this, my credit score is still about 100 points lower than it should be -- all due to the actions of Seventh Avenue. Therefore, this complaint must stay open until the credit bureaus post an update of my credit history showing that the derogatory/delinquent statements made by Seventh Avenue have been removed -- only at that time can I determine if Seventh Avenue has corrected my credit history. At this time, Seventh Avenue is still responsible for a significant drop in my credit score due to their actions, which were unsupported.
[redacted]
Mr. [redacted] does not have, and was not mailed a pre-approved credit offer from Swiss Colony. Mr. [redacted] has had two orders approved and posted to his Swiss Colony Credit account since July of 2016. Two subsequent requests for extension of credit were held pending partial payment of the order total....
Had Mr. [redacted] made the requested payments his orders would have shipped and the remaining balances would have been posted to his open Swiss Colony Credit account. Mr. [redacted] has the opportunity to earn credit limit increases by making regular, timely payments on his account.
Seventh Avenue is not aware of any offer to Mr. [redacted] regarding his account. If Mr. [redacted] elects to pay the account the balance due will be changed to zero and the status of the account updated to "Paid in full - was a charge-off."
Per
your request, we are removing your name from our mailing listing. 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. Please accept our apologies for the confusion regarding the limits displayed for your account. The account was closed to new purchases on June 10, 2015 but the historical credit limits continued to appear on the account record. The limit has now been reduced to zero.