Ms*** was sent an identity theft affidavit in August of Ms*** has not returned the signed, completed identity theft affidavitBased on the information currently available, Seventh Avenue has a reasonable basis for believing the information it has furnished to the consumer reporting
agencies is accurateSeventh Avenue will investigate this matter further upon receipt of additional information from the consumer
Revdex.com:I know you have the ability to remove it!!! If I don't don't have available credit then I shouldn't not be able to buy things but I do have available credit lots of it and I pay my bills and the interest that comes with itIf I would of known I was going to get a hard inquiry to my credit it would have been called a credit check not an identification check
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
The outstanding balance on the account is $Given the small balance on the account Monroe and Main will delete the account information from MsPerkins' credit file upon receipt of payment of the account balance
Ms*** placed an order with Swiss Colony on December 2, 2016, which qualified for deferred billing until January of She made one payment of $before the order was posted to her account on January 1, A payment was due on the remaining balance on or before February 5, Ms
*** failed to make that payment, which resulted in the assessment of finance charges on February 7, 2017, and a late payment fee on February 17, Ms*** paid the balance from her January statement on February 27, 2017, leaving an unpaid balance of $No payments were received before the March, April or May due dates, resulting in the assessment of additional finance chargesSwiss Colony received an additional payment on May 10, that left an unpaid balance of $This small balance has been written offAs a courtesy to Ms***, Swiss Colony has also credited the account to remove the late payment fee and additional finance chargesThis will result in a credit balance equal to Ms***’s second payment, which will be refunded to her in the next 10-days
[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:
Thank you for your assistance in this matter. I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
A Credit Specialist was in contact with Mr*** *** and investigated his concernsIt had been determined that Mr*** account will be removed from the reportMr*** was satisfied with the resolution
[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 ***, and find that this resolution is satisfactory to me. I will be forwarding a copy of our communication to the appropriate credit bureaus so they may correct the information as settled and paid
Regards,
*** ***
Seventh Avenue will send an itemized invoice detailing all transactions since 08/17/15.This will include all new purchases, payments and finance or late feesWe will also send copies of the order acknowledgements in a separate mailing, these will detail what items were purchased
We received the correspondence from the Revdex.com in regards to your order #***-placed online 3/30/We are sorry for any disappointment with your order for the Meadow Poncho
The Monroe & Main guarantee is listed on the order blank in the center of the catalog or
online under Customer Service and states, “If any item, for any reason, does not meet your expectations, just return it to us within daysSimply tell us your preference, and we'll gladly refund your merchandise amount, credit your account or issue a replacement.” Our records indicate upon return processing of the dress on 6/15/credit of $was issued to your accountShipping and processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fit
Your order was returned using the Smart Label option at a cost of $to be applied to your account when returnedThis convenience is offered to our customers and allows them to return easily by dropping the return off at the post office without waiting in line or just giving to their postmanThe instructions are clearly marked and enclosed with the labelThe Smart Label was credited as a courtesy 8/3/
Our records indicate your account has been fully credited for the late fees and finance charges and will reflect a zero balance within the next twenty four to forty eight hoursThe $payment for shipping and processing had been receivedPlease note for future reference that a payment is due on your account each month that it has a balanceYour intention to return an item does not exempt you from the need to make a paymentFailure to make the required payment on time and in full results in the imposition of finance charges and late fees, increasing the balance due on the account and potential to be notified of non payment
The second order placed 6/11/was canceled onlineThe reference number issued to you upon cancellation was: Via Internet/Ref: ***We regret any inconvenience, but appreciate the opportunity to explainPer your request we have requested verification that your account be closedSincerely, Monroe & Main
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Can someone provide me with a letter via the Revdex.com?
Regards,
*** ***
Ginny's and Midnight Velvet are catalog and online retailers that offer internal lines of credit to consumers to finance purchasesEach of the companies engages in customer acquisition activities, including pre-screening potential customers for the purpose of extending an offer of creditGinny's
and Midnight Velvet have each pre-screened Ms*** in this mannerMs*** was mailed catalogs from Ginny's and Midnight Velvet during the fall mailing campaign, each of which included a pre-approved credit offer of $The companies have conducted pre-screening for the fall campaign but have not completed mailingPre-screened inquiries appear in a separate section of a consumer credit reportThese inquiries are viewable only by the consumer - not by other potential creditorsMoreover, they do not affect a consumer's credit score
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 information is incorrect. My statements from Swiss Colony indicate a returned check fee of $on two statements when I have no returned check fees from my bank. I do not know what this code is they are referring to nor can they tell me the exact dates of the returned checks. I have no returned checks from anywhere via a regularly processed check or electronically processed check, and am not understanding where they are getting this from. I also do not feel I should have to turn over my personal banking information to a business to correct a matter that should not be a matter in a first place.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Problem:THIS COMPLAINT IS A RESUBMIT OF A PRIOR COMPLAINT THAT WAS FILEDCOMPLAINT ID NUMBER IS Apparently, there was a misunderstandingI logged into the account and I clicked where it said " I accept the business response to resolve this complaint." I thought what I was clicking was stating that I approve of the business resolving this issueI didn't see until 8/17/2017, that business had made a response on 8/1/Many statements in their response are not trueTherefore due to misunderstanding of what I clicked on, I am asking to reopen this complaintI noticed that during the middle part of 2016, I stopped receiving my statements in the mailFor the longest, I had intentions of calling Monroe and Main to inform them that I had not been receiving my statements lately BUT I never got around to it because of my hectic work schedule (never able to use the phone at work and when I get off, Monroe and Main were usually closedAlso, there were serious family issues taking place)I called Monroe and Main today, July 26, I informed the customer service rep that I had not been received my statement in the mail since the middle of The rep informed me that my account has been turned over to a collection agency and the statements were/are being sent to an address on River Road in Jackson, MSI informed the rep that I had never heard of that address and that I never changed my billing addressThe rep rudely told me that the River Road address has always been my address every since I opened the accountI told her that was not true and that I had old statements that have actually come to my billing address which is Noble St#I even told them that when I logged in online, it was showing my correct address, so I don't know how this could have happenedI got tired of trying to convince her so I hung up and called back to speak to someone elseThis new rep told me they DIDN'T see where I had changed my billing information and could not understand how a mistake such as this could have happenedI can obtain phone records that show Monroe and Main did not contact meWhen I contacted the company before submitting the initial complaint, they told me that my statements were being sent to the River Road address in Jackson, MSThey asked for my correct address but I didn't give it to them because I didn't want them to try to correct the problem before I contacted the Revdex.com.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:When I pull my Monroe and Main account online, my information is correct but when I called Monroe and Main those days, my address was incorrect and they even told me that it was being sent to the River Road address in Jackson, MSThey even told me the number address but when I asked the rep to repeat it so I could write it down, they wouldn'tI would like my address correctedMonroe and Main told me that my account had been turned over to a collection agencyI haven't even gotten a letter from a collection agency regarding this all because it is being sent to the River Road addressI would like my account taken out of collections and all correspondence from here on sent to my address where I started getting my statements when I first opened my account which is *** *** *** *** *** *** * *** ** ***
Regards,
*** ***
Thank you for letting us know about the issue you had with your itemsWe have sent you a free return label to use to return the items to usThese labels will sent to you via the USPS and should arrive within the next 7-business daysOnce we receive the items back, we will credit your account
We received the correspondence from the Revdex.com in regards to your order *** placed online 12/26/We are sorry for any disappointment
Our records indicate an account was opened when the order was placed onlineAfter the order had been received and was being processed,
we received a call to redeem the gift certificate on that orderWhen this happens the order then needs to reprocess, and standard processing time of twenty four to forty eight hours is allowedHad the gift certificate been applied prior to submission of the order, an account would not have been openedThis, along with scheduled company holiday closings, as well as all delivery service holiday closings (USPS, UPS, Fed EX), delayed the order for shipment until January 3, Monroe & Main, as a courtesy, expedited the Inch Boot to arrive 1/4/at no additional charge to youTracking of the order shows delivery had been completedNo inquiries were made to the credit reportWe regret any inconvenience, but appreciate the opportunity to explainSincerely, Monroe & Main
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
The account opened in Ms*** name has been closed as fraudulent and information regarding the account has been deleted from her consumer credit fileMontgomery Ward declines Ms*** request for a payment of $10,
Ashro recalled Ms*** account and reversed the charge off after it's last scheduled update to the consumer reporting agenciesAshro has coded the account to be deleted from Ms*** credit file, which will be included in the next scheduled update of information to the consumer reporting agencies
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
Here is the account number#*** please delete this negative remark as soon as possibleDue to the fact I cant get a home loan because of this negative mark on my credit reports
Ms*** was sent an identity theft affidavit in August of Ms*** has not returned the signed, completed identity theft affidavitBased on the information currently available, Seventh Avenue has a reasonable basis for believing the information it has furnished to the consumer reporting
agencies is accurateSeventh Avenue will investigate this matter further upon receipt of additional information from the consumer
Revdex.com:I know you have the ability to remove it!!! If I don't don't have available credit then I shouldn't not be able to buy things but I do have available credit lots of it and I pay my bills and the interest that comes with itIf I would of known I was going to get a hard inquiry to my credit it would have been called a credit check not an identification check
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
The outstanding balance on the account is $Given the small balance on the account Monroe and Main will delete the account information from MsPerkins' credit file upon receipt of payment of the account balance
Ms*** placed an order with Swiss Colony on December 2, 2016, which qualified for deferred billing until January of She made one payment of $before the order was posted to her account on January 1, A payment was due on the remaining balance on or before February 5, Ms
*** failed to make that payment, which resulted in the assessment of finance charges on February 7, 2017, and a late payment fee on February 17, Ms*** paid the balance from her January statement on February 27, 2017, leaving an unpaid balance of $No payments were received before the March, April or May due dates, resulting in the assessment of additional finance chargesSwiss Colony received an additional payment on May 10, that left an unpaid balance of $This small balance has been written offAs a courtesy to Ms***, Swiss Colony has also credited the account to remove the late payment fee and additional finance chargesThis will result in a credit balance equal to Ms***’s second payment, which will be refunded to her in the next 10-days
[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:
Thank you for your assistance in this matter. I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
A Credit Specialist was in contact with Mr*** *** and investigated his concernsIt had been determined that Mr*** account will be removed from the reportMr*** was satisfied with the resolution
[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 ***, and find that this resolution is satisfactory to me. I will be forwarding a copy of our communication to the appropriate credit bureaus so they may correct the information as settled and paid
Regards,
*** ***
Seventh Avenue will send an itemized invoice detailing all transactions since 08/17/15.This will include all new purchases, payments and finance or late feesWe will also send copies of the order acknowledgements in a separate mailing, these will detail what items were purchased
We received the correspondence from the Revdex.com in regards to your order #***-placed online 3/30/We are sorry for any disappointment with your order for the Meadow Poncho
The Monroe & Main guarantee is listed on the order blank in the center of the catalog or
online under Customer Service and states, “If any item, for any reason, does not meet your expectations, just return it to us within daysSimply tell us your preference, and we'll gladly refund your merchandise amount, credit your account or issue a replacement.” Our records indicate upon return processing of the dress on 6/15/credit of $was issued to your accountShipping and processing is not automatically credited, which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fit
Your order was returned using the Smart Label option at a cost of $to be applied to your account when returnedThis convenience is offered to our customers and allows them to return easily by dropping the return off at the post office without waiting in line or just giving to their postmanThe instructions are clearly marked and enclosed with the labelThe Smart Label was credited as a courtesy 8/3/
Our records indicate your account has been fully credited for the late fees and finance charges and will reflect a zero balance within the next twenty four to forty eight hoursThe $payment for shipping and processing had been receivedPlease note for future reference that a payment is due on your account each month that it has a balanceYour intention to return an item does not exempt you from the need to make a paymentFailure to make the required payment on time and in full results in the imposition of finance charges and late fees, increasing the balance due on the account and potential to be notified of non payment
The second order placed 6/11/was canceled onlineThe reference number issued to you upon cancellation was: Via Internet/Ref: ***We regret any inconvenience, but appreciate the opportunity to explainPer your request we have requested verification that your account be closedSincerely, Monroe & Main
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Can someone provide me with a letter via the Revdex.com?
Regards,
*** ***
Ginny's and Midnight Velvet are catalog and online retailers that offer internal lines of credit to consumers to finance purchasesEach of the companies engages in customer acquisition activities, including pre-screening potential customers for the purpose of extending an offer of creditGinny's
and Midnight Velvet have each pre-screened Ms*** in this mannerMs*** was mailed catalogs from Ginny's and Midnight Velvet during the fall mailing campaign, each of which included a pre-approved credit offer of $The companies have conducted pre-screening for the fall campaign but have not completed mailingPre-screened inquiries appear in a separate section of a consumer credit reportThese inquiries are viewable only by the consumer - not by other potential creditorsMoreover, they do not affect a consumer's credit score
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 information is incorrect. My statements from Swiss Colony indicate a returned check fee of $on two statements when I have no returned check fees from my bank. I do not know what this code is they are referring to nor can they tell me the exact dates of the returned checks. I have no returned checks from anywhere via a regularly processed check or electronically processed check, and am not understanding where they are getting this from. I also do not feel I should have to turn over my personal banking information to a business to correct a matter that should not be a matter in a first place.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Problem:THIS COMPLAINT IS A RESUBMIT OF A PRIOR COMPLAINT THAT WAS FILEDCOMPLAINT ID NUMBER IS Apparently, there was a misunderstandingI logged into the account and I clicked where it said " I accept the business response to resolve this complaint." I thought what I was clicking was stating that I approve of the business resolving this issueI didn't see until 8/17/2017, that business had made a response on 8/1/Many statements in their response are not trueTherefore due to misunderstanding of what I clicked on, I am asking to reopen this complaintI noticed that during the middle part of 2016, I stopped receiving my statements in the mailFor the longest, I had intentions of calling Monroe and Main to inform them that I had not been receiving my statements lately BUT I never got around to it because of my hectic work schedule (never able to use the phone at work and when I get off, Monroe and Main were usually closedAlso, there were serious family issues taking place)I called Monroe and Main today, July 26, I informed the customer service rep that I had not been received my statement in the mail since the middle of The rep informed me that my account has been turned over to a collection agency and the statements were/are being sent to an address on River Road in Jackson, MSI informed the rep that I had never heard of that address and that I never changed my billing addressThe rep rudely told me that the River Road address has always been my address every since I opened the accountI told her that was not true and that I had old statements that have actually come to my billing address which is Noble St#I even told them that when I logged in online, it was showing my correct address, so I don't know how this could have happenedI got tired of trying to convince her so I hung up and called back to speak to someone elseThis new rep told me they DIDN'T see where I had changed my billing information and could not understand how a mistake such as this could have happenedI can obtain phone records that show Monroe and Main did not contact meWhen I contacted the company before submitting the initial complaint, they told me that my statements were being sent to the River Road address in Jackson, MSThey asked for my correct address but I didn't give it to them because I didn't want them to try to correct the problem before I contacted the Revdex.com.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:When I pull my Monroe and Main account online, my information is correct but when I called Monroe and Main those days, my address was incorrect and they even told me that it was being sent to the River Road address in Jackson, MSThey even told me the number address but when I asked the rep to repeat it so I could write it down, they wouldn'tI would like my address correctedMonroe and Main told me that my account had been turned over to a collection agencyI haven't even gotten a letter from a collection agency regarding this all because it is being sent to the River Road addressI would like my account taken out of collections and all correspondence from here on sent to my address where I started getting my statements when I first opened my account which is *** *** *** *** *** *** * *** ** ***
Regards,
*** ***
Thank you for letting us know about the issue you had with your itemsWe have sent you a free return label to use to return the items to usThese labels will sent to you via the USPS and should arrive within the next 7-business daysOnce we receive the items back, we will credit your account
We received the correspondence from the Revdex.com in regards to your order *** placed online 12/26/We are sorry for any disappointment
Our records indicate an account was opened when the order was placed onlineAfter the order had been received and was being processed,
we received a call to redeem the gift certificate on that orderWhen this happens the order then needs to reprocess, and standard processing time of twenty four to forty eight hours is allowedHad the gift certificate been applied prior to submission of the order, an account would not have been openedThis, along with scheduled company holiday closings, as well as all delivery service holiday closings (USPS, UPS, Fed EX), delayed the order for shipment until January 3, Monroe & Main, as a courtesy, expedited the Inch Boot to arrive 1/4/at no additional charge to youTracking of the order shows delivery had been completedNo inquiries were made to the credit reportWe regret any inconvenience, but appreciate the opportunity to explainSincerely, Monroe & Main
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
The account opened in Ms*** name has been closed as fraudulent and information regarding the account has been deleted from her consumer credit fileMontgomery Ward declines Ms*** request for a payment of $10,
Ashro recalled Ms*** account and reversed the charge off after it's last scheduled update to the consumer reporting agenciesAshro has coded the account to be deleted from Ms*** credit file, which will be included in the next scheduled update of information to the consumer reporting agencies
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
Here is the account number#*** please delete this negative remark as soon as possibleDue to the fact I cant get a home loan because of this negative mark on my credit reports