Seventh Avenue regrets the need for the policy that delayed the shipment of her order, however past experience has indicated a significant risk of fraud when a payment instrument meets certain criteriaMs [redacted] check was held for payment verification based on those parametersIt should be noted, however, that Ms [redacted] declined an offer to expedite the release of her order by joining Seventh Avenue in contacting her bank directly to verify the payment Again, Seventh Avenue offers its apologies to Ms [redacted] for this issue
If Ms [redacted] has reported this incident to the police, Home at Five would appreciate receiving a copy of the police report to assist in resolving this matter as quickly as possiblePlease note that Home at Five will not be contacting the FBI or any other law enforcement agency regarding the possibility that someone is breaking into Ms [redacted] mail box
We received your correspondence from the Revdex.com regarding Order # [redacted] Please accept our apologies that the Oh Baby Top was less than satisfactory We regret that your concerns were not able to be properly addressed during your call to Customer Service call on 3/14/The call has been reviewed and we believe the call was disconnected due to a malfunctionWe apologize for any inconvenience experienced as a result Our guarantee, which can be found on the back of the center order form as well as on our website, 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 replacementIf your item is damaged, contact us at 800-727-9496.” Shipping and processing is not automatically credited which is a common practice in the catalog industry when a customer returns an item because it did not fit, was not as expected, or the customer changed his or her mindThe reason code provided on the return form indicates that the item was returned due to “Did not like style/features” Additionally, the item was returned using the Smart Label optionThis option is provided by Monroe & Main as a customer convenience at a cost of $which is charged to your account when the item is returnedThis information is clearly disclosed on the return label As a courtesy, we have credited original shipping and processing of $as well as the Smart Label charge of $Your account will reflect a zero balance within the next hours We hope this information is helpfulWe appreciate the opportunity to explain Sincerely, Monroe & Main
Seventh Avenue has credited the account to remove the shipping and processing charges and will credit the account to remove all associated late fees and finance chargesThe account will have a zero balance in the next hours
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 do not know who Midnight Velvet is and I would like to know what order was placed using my e-mail address and what address "was" the order going to be mailed to (which was cancelled)?I would like to know why Midnight Velvet was asking me to send a notarized statement to them! 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.]I have disputed this information with the credit bureau that the inquiry is associated with and Ginny's is confirming that it me.Their response to my complaint is not acceptable due to Ginny's admitting that I hold no account with the company however my credit still took a hard inquiryIt's very evident that Ginny's has poor and shady business practicesThe credit bureau has once again for the 2nd time, to reach out to Ginny's and they will no remove the fraudulent inquiry that they have placed on my credit reportI'm and suffering from the consequences of the mistakes that Ginny's has made and I want justiceI will stop at nothing until this is handled in a fair and professional manner.Best Regards, Royal [redacted] III *** ***
Seventh Avenue's records indicate three calls from Ms [redacted] on January 12, Seventh Avenue is reviewing the calls to determine if the agent involved met the company's expectations for customer service The fact remains, however, that Seventh Avenue has not furnished information regarding the account at issue since April of If information regarding the account appears on a consumer credit report, Ms [redacted] should dispute the information with the agency that prepared the report
GrandPointe sent deletion requests to the consumer reporting agencies in April, May, June and July of If the account information has not been deleted by one or more of the consumer reporting agencies, Ms [redacted] will need to address the issue directly with the agency involved
Our records indicate the receipt of the Jacobean Quilt ($52.99) to our processing facilityInformation received previously indicated the [redacted] ($79.99) was being returnedSince credit of $(includes shipping & processing) was issued for the [redacted] prior to return, you received $in additional credit due to the price difference in the quiltsWe will leave the adjustment as is We are in the process of issuing credit of $to reimburse the return shippingThis will be returned to your card within the next 24-hours As previously stated, “If any additional information is provided, such as an order number, we will gladly complete additional research.” Unfortunately, we are unable to locate any additional orders with your physical address, email address, or phone numberIf specific information is submitted from the letter received, such as the order number, or any account reference, we will review any underlying circumstances and respond
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 have proof of certified mail sent to this company who has still not acted in good faith in regards sending my signature of a validated contract of agreement that this is my account and that they are reporting correctly on my credit file which as of this date they have not./ By lookin at a computer screen and saying I made payment or see a name does not validate a debt owed I would like to know what steps were taken to validate this debts I would like cancelled checks or proof of how these so called payment we made when the debt was charged off and how did this allege debt go from to To date you still have not validated that this is my debt by my signature and you still continue to report a debt on my credit report that I have dispute and have not responded until days after request, once again you failed to report accurately on my credit file
Seventh Avenue received a payment of $on March 31, The payment left an outstanding balance of $on the accountSeventh Avenue sent monthly billing statements and collection notices to the billing address on the account from April of until the account was charged off as a loss in February of Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the current balance and the payment history on the accountFinally, Seventh Avenue does not, as a matter of policy, offer or accept deletion of accurate account information in exchange for payment of a charged off account
The "documentation" does not include any information regarding the financial institution or account number used for the alleged payments and does not include verification that the payment was actually processed, was accepted and cleared Ms***'s accountAdequate documentation of the payments would consist of a bank statement (redacted remove other transactions) on the letterhead of the financial institution that included the number of the account used to make the payments, the date and transaction number of each payment and a running balance total showing the payments actually cleared
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.Bank printout attached [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***
We received the correspondence from the Revdex.com regarding your order # [redacted] placed 11/16/for $ 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 statementYour 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 HNBThe HNB is the highest principal balance of your Account since it was last paid in fullThis 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 adjustmentsWe can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable lawPayments 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/of $was received and posted 3/6/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
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 belowThis is not trueWhen I returned the item to the merchant there was one credit put back on the credit cardI show no record of multiple credits and neither does my credit card companyThe first few times I contacted the merchant on this matter (over a year ago), they claimed it was a mistake on their endThen they changed their position and started claiming this issue however provided no supporting evidenceI have asked them multiple times to show evidence to support their claim and they still have yet to do so a year laterThis claim is not factually correct, there is no evidence to support it, and it has gone on unsubstantiated for over a year, so with that said, I consider this issue closedRegards, [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 said a Niece LIVED NEAR ME, NOT WITH ME which could confirm their ORIGINAL response of accounts being mergedThey have NOT responded to why the original account had a different number AND different namethey are the ones that that "assumed" I have anything to do AT ALL with my Niece who was and still is (I assume since I haven't seen her in years) is addicted to drugs I am a victim hereI still have ALL the documents they are talking aboutJust because something was "delivered to my address" ( I never received OR signed for ANYTHING) DOES NOT mean it wasn't fraud or was stolen off of my porch!!! THEY also reported (November 4, 2013) that the account had gone to a COLLECTION AGENCY (when I asked for VALIDATION) which is a LIE since they retained the account and HAVE CONTINUED to report a late balance, and charge fee's on something that happened in 2010!! I have reported this case to my States Attorney General and will pursue legal redress if this can't be taken care of [redacted] ***
Ginny's offers its apologies to Ms [redacted] for any inconvenience she may have experienced as a result of this matterA credit agent mistakenly combined Mrand Mrs [redacted] accounts in July of this yearThe error was corrected on September 6,
Mr [redacted] was allowed to make automated check (ACH) payments on his account until the second consecutive ACH payment was returned on August 13, Mr [redacted] made subsequent payments in October and November using other forms of remittanceIt is Seventh Avenue's position that it has a reasonable basis for refusing to allow Mr [redacted] to make payments on his account via ACHNonetheless, as a courtesy to Mr [redacted] , Seventh Avenue has credited his account to remove the late payment fees assessed since August of This adjustment will appear on his next monthly billing statement
Seventh Avenue regrets the need for the policy that delayed the shipment of her order, however past experience has indicated a significant risk of fraud when a payment instrument meets certain criteriaMs [redacted] check was held for payment verification based on those parametersIt should be noted, however, that Ms [redacted] declined an offer to expedite the release of her order by joining Seventh Avenue in contacting her bank directly to verify the payment Again, Seventh Avenue offers its apologies to Ms [redacted] for this issue
No further response is required from Montgomery Ward
If Ms [redacted] has reported this incident to the police, Home at Five would appreciate receiving a copy of the police report to assist in resolving this matter as quickly as possiblePlease note that Home at Five will not be contacting the FBI or any other law enforcement agency regarding the possibility that someone is breaking into Ms [redacted] mail box
We received your correspondence from the Revdex.com regarding Order # [redacted] Please accept our apologies that the Oh Baby Top was less than satisfactory We regret that your concerns were not able to be properly addressed during your call to Customer Service call on 3/14/The call has been reviewed and we believe the call was disconnected due to a malfunctionWe apologize for any inconvenience experienced as a result Our guarantee, which can be found on the back of the center order form as well as on our website, 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 replacementIf your item is damaged, contact us at 800-727-9496.” Shipping and processing is not automatically credited which is a common practice in the catalog industry when a customer returns an item because it did not fit, was not as expected, or the customer changed his or her mindThe reason code provided on the return form indicates that the item was returned due to “Did not like style/features” Additionally, the item was returned using the Smart Label optionThis option is provided by Monroe & Main as a customer convenience at a cost of $which is charged to your account when the item is returnedThis information is clearly disclosed on the return label As a courtesy, we have credited original shipping and processing of $as well as the Smart Label charge of $Your account will reflect a zero balance within the next hours We hope this information is helpfulWe appreciate the opportunity to explain Sincerely, Monroe & Main
Seventh Avenue has credited the account to remove the shipping and processing charges and will credit the account to remove all associated late fees and finance chargesThe account will have a zero balance in the next hours
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 do not know who Midnight Velvet is and I would like to know what order was placed using my e-mail address and what address "was" the order going to be mailed to (which was cancelled)?I would like to know why Midnight Velvet was asking me to send a notarized statement to them! 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.]I have disputed this information with the credit bureau that the inquiry is associated with and Ginny's is confirming that it me.Their response to my complaint is not acceptable due to Ginny's admitting that I hold no account with the company however my credit still took a hard inquiryIt's very evident that Ginny's has poor and shady business practicesThe credit bureau has once again for the 2nd time, to reach out to Ginny's and they will no remove the fraudulent inquiry that they have placed on my credit reportI'm and suffering from the consequences of the mistakes that Ginny's has made and I want justiceI will stop at nothing until this is handled in a fair and professional manner.Best Regards, Royal [redacted] III *** ***
Seventh Avenue's records indicate three calls from Ms [redacted] on January 12, Seventh Avenue is reviewing the calls to determine if the agent involved met the company's expectations for customer service The fact remains, however, that Seventh Avenue has not furnished information regarding the account at issue since April of If information regarding the account appears on a consumer credit report, Ms [redacted] should dispute the information with the agency that prepared the report
GrandPointe sent deletion requests to the consumer reporting agencies in April, May, June and July of If the account information has not been deleted by one or more of the consumer reporting agencies, Ms [redacted] will need to address the issue directly with the agency involved
Our records indicate the receipt of the Jacobean Quilt ($52.99) to our processing facilityInformation received previously indicated the [redacted] ($79.99) was being returnedSince credit of $(includes shipping & processing) was issued for the [redacted] prior to return, you received $in additional credit due to the price difference in the quiltsWe will leave the adjustment as is We are in the process of issuing credit of $to reimburse the return shippingThis will be returned to your card within the next 24-hours As previously stated, “If any additional information is provided, such as an order number, we will gladly complete additional research.” Unfortunately, we are unable to locate any additional orders with your physical address, email address, or phone numberIf specific information is submitted from the letter received, such as the order number, or any account reference, we will review any underlying circumstances and respond
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 have proof of certified mail sent to this company who has still not acted in good faith in regards sending my signature of a validated contract of agreement that this is my account and that they are reporting correctly on my credit file which as of this date they have not./ By lookin at a computer screen and saying I made payment or see a name does not validate a debt owed I would like to know what steps were taken to validate this debts I would like cancelled checks or proof of how these so called payment we made when the debt was charged off and how did this allege debt go from to To date you still have not validated that this is my debt by my signature and you still continue to report a debt on my credit report that I have dispute and have not responded until days after request, once again you failed to report accurately on my credit file
Seventh Avenue received a payment of $on March 31, The payment left an outstanding balance of $on the accountSeventh Avenue sent monthly billing statements and collection notices to the billing address on the account from April of until the account was charged off as a loss in February of Seventh Avenue believes the information it has furnished to the consumer reporting agencies accurately reflects the current balance and the payment history on the accountFinally, Seventh Avenue does not, as a matter of policy, offer or accept deletion of accurate account information in exchange for payment of a charged off account
The "documentation" does not include any information regarding the financial institution or account number used for the alleged payments and does not include verification that the payment was actually processed, was accepted and cleared Ms***'s accountAdequate documentation of the payments would consist of a bank statement (redacted remove other transactions) on the letterhead of the financial institution that included the number of the account used to make the payments, the date and transaction number of each payment and a running balance total showing the payments actually cleared
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.Bank printout attached [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***
We received the correspondence from the Revdex.com regarding your order # [redacted] placed 11/16/for $ 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 statementYour 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 HNBThe HNB is the highest principal balance of your Account since it was last paid in fullThis 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 adjustmentsWe can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable lawPayments 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/of $was received and posted 3/6/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
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 belowThis is not trueWhen I returned the item to the merchant there was one credit put back on the credit cardI show no record of multiple credits and neither does my credit card companyThe first few times I contacted the merchant on this matter (over a year ago), they claimed it was a mistake on their endThen they changed their position and started claiming this issue however provided no supporting evidenceI have asked them multiple times to show evidence to support their claim and they still have yet to do so a year laterThis claim is not factually correct, there is no evidence to support it, and it has gone on unsubstantiated for over a year, so with that said, I consider this issue closedRegards, [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 said a Niece LIVED NEAR ME, NOT WITH ME which could confirm their ORIGINAL response of accounts being mergedThey have NOT responded to why the original account had a different number AND different namethey are the ones that that "assumed" I have anything to do AT ALL with my Niece who was and still is (I assume since I haven't seen her in years) is addicted to drugs I am a victim hereI still have ALL the documents they are talking aboutJust because something was "delivered to my address" ( I never received OR signed for ANYTHING) DOES NOT mean it wasn't fraud or was stolen off of my porch!!! THEY also reported (November 4, 2013) that the account had gone to a COLLECTION AGENCY (when I asked for VALIDATION) which is a LIE since they retained the account and HAVE CONTINUED to report a late balance, and charge fee's on something that happened in 2010!! I have reported this case to my States Attorney General and will pursue legal redress if this can't be taken care of [redacted] ***
Ginny's offers its apologies to Ms [redacted] for any inconvenience she may have experienced as a result of this matterA credit agent mistakenly combined Mrand Mrs [redacted] accounts in July of this yearThe error was corrected on September 6,
Mr [redacted] was allowed to make automated check (ACH) payments on his account until the second consecutive ACH payment was returned on August 13, Mr [redacted] made subsequent payments in October and November using other forms of remittanceIt is Seventh Avenue's position that it has a reasonable basis for refusing to allow Mr [redacted] to make payments on his account via ACHNonetheless, as a courtesy to Mr [redacted] , Seventh Avenue has credited his account to remove the late payment fees assessed since August of This adjustment will appear on his next monthly billing statement
Monroe and Main and Seventh Avenue have no further response to MsTate's complaint