We received the correspondence from the Revdex.com in regards to your order # [redacted] placed 10/9/via internetWe are sorry the Pumpkin Wreath [redacted] was no longer available for purchaseWe make every effort to provide the best service and highest quality possible, however, sometimes circumstances are beyond our control It is difficult to determine how popular an item will be when creating our catalog and unfortunately the wreaths popularity and supplier inventory were unable to meet demandA notice was sent in this regard on 10/20/ We also noted an additional [redacted] which is available and is very similar , yet listed with a different identifying code and priceIt is a darker, more Rust colored Pumpkin with Red & Green LeavesRecords indicate an order was started and deleted prior to completion 10/20/ Please accept our apologies for any problems you have experienced in placing an orderThe previous accounts included in bankruptcy cause any new orders to be automatically declined by the system, which is why you have been asked to place all orders by telephoneWe are sorry to for any inconvenience, but appreciate the opportunity to explain Sincerely, Seventh Avenue
The Fair and Accurate Credit Transactions Act (FACT Act) required certain changes in the processing of credit applicationsSpecific to this matter, it required consumer reporting agencies to provide an address discrepancy notice when a request for a consumer credit report included an address that did not match ANY of the addresses in the agency’s record for that consumerThe FACT Act prohibited creditors from extending credit to a consumer unless and until the address discrepancy was resolved Seventh Avenue received an order and request for extension of credit from MrWatkins on February 15, Seventh Avenue requested a consumer credit report in order to evaluate MrWatkins’ creditworthinessThe report included an address discrepancy noticeSeventh Avenue sent a request for a down payment to MrWatkins to resolve the discrepancy (since the purpose of the notice is to prevent fraud, calling the individual who placed the order is NOT an allowable method for resolving the dispute)MrWatkins elected not to make the requested down payment and canceled the orderSeventh Avenue regrets any inconvenience MrWatkins may have experienced as a result of this matter
Swiss Colony received an order and request for credit on March 12, via US MailThe order was placed using a pre-printed order form addressed to Ms [redacted] at [redacted] ***The request for credit was not approved and the merchandise was not shipped Nonetheless, Swiss Colony received a request for credit initiated by the consumer and, therefore, does not believe there is sufficient basis to request deletion of the credit inquiry from Ms [redacted] ’s 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, Nichole [redacted]
Mr [redacted] received notice of the returned payments on his account in the form of his monthly billing statementAll activity for the billing period is listed on each statement, including all returned payments, late payment fees and/or returned payment fees Seventh Avenue assumes Mr [redacted] also receives a monthly account statement from his bankPresumably the returned payments, along with any resulting fees, would have appeared on the appropriate statementRegardless, Mr [redacted] no longer has the option of paying his account via ACH
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 I reject this response for the following reasonI dispute the reporting of information directly with the Furnisher the elected not to respond to to my complaint and refused to respond to my attorney as required under the Furnisher RuleI have attached a copy of the required rule below.Disputes to FurnishersYou must investigate a consumer’s dispute if it relates to:the consumer’s liability for a credit account or other debt with youFor example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account;the terms of a credit account or other debt with youFor example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account;the consumer's performance or other conduct concerning an account or other relationship with youFor example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed; orany other information in a consumer report about an account or relationship with you that affects the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle Furnisher Rule 660.4(a)You must:conduct a reasonable investigationreview all relevant information provided by the consumerreport results to the consumer, generally within days ***notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate Furnisher Rule 660.4(e)You are not required to investigate the dispute if it relates to:the consumer's identifying information on a consumer report, including name, date of birth, Social Security number, phone number, or address;the names of previous or current employers;inquiries or requests for consumer reports;information from public records, including judgments, bankruptcies, and liens;information related to fraud alerts or active duty alerts;information provided to a CRA by another furnisher; orwhen you believe that the dispute is submitted by, prepared on behalf of the consumer by, or submitted on a form supplied to the consumer by a credit repair organization Furnisher Rule 660.4(b)You also are not required to investigate disputes that are frivolous or irrelevant, as defined by the Rule:the consumer didn’t provide enough informationthe dispute is substantially the same as a dispute previously submittedyou already fulfilled your obligation, and there is no new informationyou are not required to investigate the dispute, as described in the list above from 660.4(b) Furnisher Rule 660.4(f)If a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the disputeThis notice can be a form letterInclude the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information Regards, [redacted]
in the matter of case number ID Scott [redacted] versus Colonial Brands Inc I would prefer to have this account marked as paid as agreed no late payment status whatsoever I want this account totally removed from my credit report before I send payment please forward this to the company thank you Scott [redacted] ***
Montgomery Ward’s records indicate Ms [redacted] made a purchase that was posted to her credit account on December 23, The first payment of $on her account was due on or before January 25, No payment was received by the due dateAs a result, a billing statement was prepared on or about January 27, that reflected a Minimum Amount Due of $(the past due payment plus the scheduled payment for February) A payment of $was received and posted to her account on February 2, 2016, leaving an additional payment of $due on or before February 25, Again, the required payment was not received by the due dateA payment of $was received on March 5, 2016, leaving an additional $due on or before March 25, (Ms [redacted] made a second purchase in February that increased her scheduled payment to $25)The required payment was not received by the due date and, once again, a statement was sent to Ms [redacted] indicating the need to pay the current payment and the past due amountNo payment was received and, as a result, on or about April 27, 2016, a statement was sent to Ms [redacted] indicating a Minimum Amount Due of $70, consisting of a past due payments totaling $and the current payment of $ As a courtesy to Ms [redacted] , Montgomery Ward has credited her account to remove two late payment feesThis adjustment will appear on her next monthly billing statement Further, Montgomery Ward will cease calling Ms [redacted] regarding the collection of her accountHowever, the balance remains due and payableMs [redacted] should be aware that failure to pay the outstanding balance will result in the assessment of finance charges and late payments fees and may result in other adverse consequences
We received the correspondence from the Revdex.com in regards to a change in your account statusWe 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 seriouslyNonetheless, it should be obvious that we cannot continue to ship merchandise that is lost, stolen or misdirectedPlease keep in mind if any further delivery issues arise we will have no choice but to cease delivering to your addressAll shipping and tracking information is sent via email, this allows our customers the convenience of knowing when their shipment will arrive by tracking its progressPlease 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 accountDue 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 approvalOur records indicate you have been a customer since 5/24/and we regret any inconvenience, but appreciate the opportunity to explainSincerely, Ashro
[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, Dominic [redacted]
Seventh Avenue has sent an identity theft affidavit to Ms [redacted] attention for her to complete and returnSeventh Avenue anticipates concluding its investigation shortly after receiving the completed affidavitPlease note that, contrary to Ms [redacted] assertion, the information received on the order included a social security number
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] My account shows no current balance owedI do not owe any monies on this accountno one ever informed me of a new account numberI am not paying on an account that is not mine
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 This is all it shows on my credit report.Through the Country Door account # [redacted] $Regards, [redacted]
Ginny's records indicate Ms [redacted] opened her account in August of She made two payments on the account - one in January of and one in June of - before the account was charged off as a loss in November of Ginny's records indicate Ms [redacted] called in about her account shortly after the charge off was furnished to the consumer reporting agenciesMs [redacted] indicate she intended to pay the account in full, but no payment was ever received by Ginny's or the collection to which the account was referredGinny's has not communicated with Ms [redacted] since, although a number of automated disputes have been received from the consumer reporting agenciesIn response to the disputes that allege the account does not belong to her, Ginny's has sent an Identity Theft affidavit for Ms [redacted] to complete and returnMs [redacted] has never returned a completed affidavitBased on the information available, Ginny's it has a reasonable bass for believing that the account belongs to Ms [redacted] and that she is responsible for payment of the account balanceGinny's also believes that the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of MsRussell's account
Ms [redacted] account is currently linked to an affiliate account that was included in a bankruptcy filing in The bankruptcy is preventing the approval of any further purchases on Ms [redacted] accountSeventh Avenue is working to correct this issue
Ms [redacted] room mate has contacted Ginny's and confirmed that she placed the orderThe balance of the order has been transferred to a new account in the purchasers name and the account belonging to Ms [redacted] has been closedIt should be noted that Ginny's did not request or receive a copy of Ms ***'s consumer credit report and that no information regarding her short-lived account has been or will be furnished to a consumer reporting agency
The Swiss Colony provides a customer service number in its account statements, in its catalogs and on its web siteIts return policy - with a toll free telephone number - is also published on its web siteIf 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 failLike most businesses, Swiss Colony utilizes automated payment processing equipment to rapidly scan and deposit incoming paymentsOptical 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 instrumentAs a result, no one read or responded to Mr***'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 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 chargesMr [redacted] then made one additional payment and stopped paying, ignoring the subsequent billing statements, collection calls and past due notices In answer to Mr***’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 agreementThe current balance on Mr***’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***’s account and to request deletion of the account information from his credit fileThe account will remain permanently closed and Mr***’s name will be deleted from the mailing list of Swiss Colony and its affiliates
Please post an addendum to our initial response: We apologize for any confusion Fortunately, our One Step Ahead Customer Service, was able to locate the gift certificate information, and was in contact with you by phone Your satisfaction is important to us and we appreciate the opportunity to be of service Sincerely, One Step Ahead Thank you, [redacted] ***Customer Service
We received the correspondence from the Revdex.com in regards to your order # [redacted] placed 10/9/via internetWe are sorry the Pumpkin Wreath [redacted] was no longer available for purchaseWe make every effort to provide the best service and highest quality possible, however, sometimes circumstances are beyond our control It is difficult to determine how popular an item will be when creating our catalog and unfortunately the wreaths popularity and supplier inventory were unable to meet demandA notice was sent in this regard on 10/20/ We also noted an additional [redacted] which is available and is very similar , yet listed with a different identifying code and priceIt is a darker, more Rust colored Pumpkin with Red & Green LeavesRecords indicate an order was started and deleted prior to completion 10/20/ Please accept our apologies for any problems you have experienced in placing an orderThe previous accounts included in bankruptcy cause any new orders to be automatically declined by the system, which is why you have been asked to place all orders by telephoneWe are sorry to for any inconvenience, but appreciate the opportunity to explain Sincerely, Seventh Avenue
The Fair and Accurate Credit Transactions Act (FACT Act) required certain changes in the processing of credit applicationsSpecific to this matter, it required consumer reporting agencies to provide an address discrepancy notice when a request for a consumer credit report included an address that did not match ANY of the addresses in the agency’s record for that consumerThe FACT Act prohibited creditors from extending credit to a consumer unless and until the address discrepancy was resolved Seventh Avenue received an order and request for extension of credit from MrWatkins on February 15, Seventh Avenue requested a consumer credit report in order to evaluate MrWatkins’ creditworthinessThe report included an address discrepancy noticeSeventh Avenue sent a request for a down payment to MrWatkins to resolve the discrepancy (since the purpose of the notice is to prevent fraud, calling the individual who placed the order is NOT an allowable method for resolving the dispute)MrWatkins elected not to make the requested down payment and canceled the orderSeventh Avenue regrets any inconvenience MrWatkins may have experienced as a result of this matter
Unable to verify an account based on the information providedPlease provide a full or partial account number from the consumer credit report
Swiss Colony received an order and request for credit on March 12, via US MailThe order was placed using a pre-printed order form addressed to Ms [redacted] at [redacted] ***The request for credit was not approved and the merchandise was not shipped Nonetheless, Swiss Colony received a request for credit initiated by the consumer and, therefore, does not believe there is sufficient basis to request deletion of the credit inquiry from Ms [redacted] ’s 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, Nichole [redacted]
Seventh Avenue requested deletion of the inquiry from Ms [redacted] 's credit fileNo further response is required
Mr [redacted] received notice of the returned payments on his account in the form of his monthly billing statementAll activity for the billing period is listed on each statement, including all returned payments, late payment fees and/or returned payment fees Seventh Avenue assumes Mr [redacted] also receives a monthly account statement from his bankPresumably the returned payments, along with any resulting fees, would have appeared on the appropriate statementRegardless, Mr [redacted] no longer has the option of paying his account via ACH
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 I reject this response for the following reasonI dispute the reporting of information directly with the Furnisher the elected not to respond to to my complaint and refused to respond to my attorney as required under the Furnisher RuleI have attached a copy of the required rule below.Disputes to FurnishersYou must investigate a consumer’s dispute if it relates to:the consumer’s liability for a credit account or other debt with youFor example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account;the terms of a credit account or other debt with youFor example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account;the consumer's performance or other conduct concerning an account or other relationship with youFor example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed; orany other information in a consumer report about an account or relationship with you that affects the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle Furnisher Rule 660.4(a)You must:conduct a reasonable investigationreview all relevant information provided by the consumerreport results to the consumer, generally within days ***notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate Furnisher Rule 660.4(e)You are not required to investigate the dispute if it relates to:the consumer's identifying information on a consumer report, including name, date of birth, Social Security number, phone number, or address;the names of previous or current employers;inquiries or requests for consumer reports;information from public records, including judgments, bankruptcies, and liens;information related to fraud alerts or active duty alerts;information provided to a CRA by another furnisher; orwhen you believe that the dispute is submitted by, prepared on behalf of the consumer by, or submitted on a form supplied to the consumer by a credit repair organization Furnisher Rule 660.4(b)You also are not required to investigate disputes that are frivolous or irrelevant, as defined by the Rule:the consumer didn’t provide enough informationthe dispute is substantially the same as a dispute previously submittedyou already fulfilled your obligation, and there is no new informationyou are not required to investigate the dispute, as described in the list above from 660.4(b) Furnisher Rule 660.4(f)If a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the disputeThis notice can be a form letterInclude the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information Regards, [redacted]
in the matter of case number ID Scott [redacted] versus Colonial Brands Inc I would prefer to have this account marked as paid as agreed no late payment status whatsoever I want this account totally removed from my credit report before I send payment please forward this to the company thank you Scott [redacted] ***
Montgomery Ward’s records indicate Ms [redacted] made a purchase that was posted to her credit account on December 23, The first payment of $on her account was due on or before January 25, No payment was received by the due dateAs a result, a billing statement was prepared on or about January 27, that reflected a Minimum Amount Due of $(the past due payment plus the scheduled payment for February) A payment of $was received and posted to her account on February 2, 2016, leaving an additional payment of $due on or before February 25, Again, the required payment was not received by the due dateA payment of $was received on March 5, 2016, leaving an additional $due on or before March 25, (Ms [redacted] made a second purchase in February that increased her scheduled payment to $25)The required payment was not received by the due date and, once again, a statement was sent to Ms [redacted] indicating the need to pay the current payment and the past due amountNo payment was received and, as a result, on or about April 27, 2016, a statement was sent to Ms [redacted] indicating a Minimum Amount Due of $70, consisting of a past due payments totaling $and the current payment of $ As a courtesy to Ms [redacted] , Montgomery Ward has credited her account to remove two late payment feesThis adjustment will appear on her next monthly billing statement Further, Montgomery Ward will cease calling Ms [redacted] regarding the collection of her accountHowever, the balance remains due and payableMs [redacted] should be aware that failure to pay the outstanding balance will result in the assessment of finance charges and late payments fees and may result in other adverse consequences
We received the correspondence from the Revdex.com in regards to a change in your account statusWe 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 seriouslyNonetheless, it should be obvious that we cannot continue to ship merchandise that is lost, stolen or misdirectedPlease keep in mind if any further delivery issues arise we will have no choice but to cease delivering to your addressAll shipping and tracking information is sent via email, this allows our customers the convenience of knowing when their shipment will arrive by tracking its progressPlease 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 accountDue 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 approvalOur records indicate you have been a customer since 5/24/and we regret any inconvenience, but appreciate the opportunity to explainSincerely, Ashro
[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, Dominic [redacted]
Seventh Avenue has sent an identity theft affidavit to Ms [redacted] attention for her to complete and returnSeventh Avenue anticipates concluding its investigation shortly after receiving the completed affidavitPlease note that, contrary to Ms [redacted] assertion, the information received on the order included a social security number
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] My account shows no current balance owedI do not owe any monies on this accountno one ever informed me of a new account numberI am not paying on an account that is not mine
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 This is all it shows on my credit report.Through the Country Door account # [redacted] $Regards, [redacted]
Ginny's records indicate Ms [redacted] opened her account in August of She made two payments on the account - one in January of and one in June of - before the account was charged off as a loss in November of Ginny's records indicate Ms [redacted] called in about her account shortly after the charge off was furnished to the consumer reporting agenciesMs [redacted] indicate she intended to pay the account in full, but no payment was ever received by Ginny's or the collection to which the account was referredGinny's has not communicated with Ms [redacted] since, although a number of automated disputes have been received from the consumer reporting agenciesIn response to the disputes that allege the account does not belong to her, Ginny's has sent an Identity Theft affidavit for Ms [redacted] to complete and returnMs [redacted] has never returned a completed affidavitBased on the information available, Ginny's it has a reasonable bass for believing that the account belongs to Ms [redacted] and that she is responsible for payment of the account balanceGinny's also believes that the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of MsRussell's account
Ms [redacted] account is currently linked to an affiliate account that was included in a bankruptcy filing in The bankruptcy is preventing the approval of any further purchases on Ms [redacted] accountSeventh Avenue is working to correct this issue
Ms [redacted] room mate has contacted Ginny's and confirmed that she placed the orderThe balance of the order has been transferred to a new account in the purchasers name and the account belonging to Ms [redacted] has been closedIt should be noted that Ginny's did not request or receive a copy of Ms ***'s consumer credit report and that no information regarding her short-lived account has been or will be furnished to a consumer reporting agency
The Swiss Colony provides a customer service number in its account statements, in its catalogs and on its web siteIts return policy - with a toll free telephone number - is also published on its web siteIf 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 failLike most businesses, Swiss Colony utilizes automated payment processing equipment to rapidly scan and deposit incoming paymentsOptical 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 instrumentAs a result, no one read or responded to Mr***'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 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 chargesMr [redacted] then made one additional payment and stopped paying, ignoring the subsequent billing statements, collection calls and past due notices In answer to Mr***’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 agreementThe current balance on Mr***’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***’s account and to request deletion of the account information from his credit fileThe account will remain permanently closed and Mr***’s name will be deleted from the mailing list of Swiss Colony and its affiliates
Please post an addendum to our initial response: We apologize for any confusion Fortunately, our One Step Ahead Customer Service, was able to locate the gift certificate information, and was in contact with you by phone Your satisfaction is important to us and we appreciate the opportunity to be of service Sincerely, One Step Ahead Thank you, [redacted] ***Customer Service